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    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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WDA additional charges, do i have to pay these?


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MY REPLY :-

 

 

Hi ******,

 

I totally disagree, I had already contacted you well in advance of my pay date, to explain my account will not allow payments to go out due to the fraud issue. Bank had put a total block on any bank activity so it would be impossible for you to receive payment. I was then on holiday and the 7th was the first day I was back home and I could then continue to sort this matter out.

 

I will get legal advice on this and also report WDA actions to Trading Standards and the FSA, as I believe as a 30 day loan company the most you can charge is the loan amount with 1 months interest. I maybe wrong but you leave me no option but to check. You had prior warming that the payment would fail, I feel your argument about me having to wait to contact you after the DD is returned, is a very weak one, and would like to see a judge in court agree with you.

 

Again I stress, please look for a 2nd time at my account, over the last what 3 or 4 months, I've always paid you in full and on time, without this internet fraud occurring I would have again. Surely even as I good will gesture you, on this occasion you can waive the addition charges and interest and allow my to pay the £600 I originally owed.

 

Look forward to hearing back from you,

 

Kind Regards

NATIONWIDE:

WON - 26/10/06

FULL REFUND - WITHIN 7 DAYS OF MCOL

Acknowledged - 25/10/06

MCOL Issued - 24/10/06

MCOL Sent - 23/10/06

LBA sent 01/09/06

Prelim Sent - 07/08/06

BARCLAYS BANK:

AQ sent 25/1/07

Defended on last day possible.

MCOL - Issued 13/12/06

MCOL- Sent 12/12/06

S.A.R - Sent - 25/10/2006

S/Ment rec - 4/11/06

Prelim sent - 6/11/06

BARCLAYS LOAN:

S.A.R - Sent - 25/10/2006

BLACK HORSE:

SETTLED IN FULL

S.A.R - Sent - 25/10/2006

CCA to get loan agreement info - Sent - 25/10/06

Prelim sent PPI + Charges 11/11/06

CAPITAL ONE

Prem sent 11/12/06

S/Ments Rec - 5/12/06

S.A.R - (Subject Access Request) - Sent - 9/11/06

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WDA RESPONCE:-

 

Dear *******,

 

Thank you for your email.

 

As a goodwill gesture due to your previous good custom, I would be willing to waiver the £51.48 interest.

The default charge would still stand as on the 30th August, when you contacted us, the direct debits had already been sent which we were unable to do anything about.

 

This would make the total repayable £636 form the end of this month.

 

Please advise if this is suitable for you.

 

Regards

 

SO THE AMOUNT IS NEARLY THERE, DO I ACCEPT THAT £36 DEFAULT FEE ON TOP OF THE 1 MONTHS INTEREST AND JUST PAY BACK THE £636 OR SHOULD I REFUSE IT AND FIGHT THAT TOO ????

 

ALL ADVICE AND VIEWS PLEASE, MANY THANKS

NATIONWIDE:

WON - 26/10/06

FULL REFUND - WITHIN 7 DAYS OF MCOL

Acknowledged - 25/10/06

MCOL Issued - 24/10/06

MCOL Sent - 23/10/06

LBA sent 01/09/06

Prelim Sent - 07/08/06

BARCLAYS BANK:

AQ sent 25/1/07

Defended on last day possible.

MCOL - Issued 13/12/06

MCOL- Sent 12/12/06

S.A.R - Sent - 25/10/2006

S/Ment rec - 4/11/06

Prelim sent - 6/11/06

BARCLAYS LOAN:

S.A.R - Sent - 25/10/2006

BLACK HORSE:

SETTLED IN FULL

S.A.R - Sent - 25/10/2006

CCA to get loan agreement info - Sent - 25/10/06

Prelim sent PPI + Charges 11/11/06

CAPITAL ONE

Prem sent 11/12/06

S/Ments Rec - 5/12/06

S.A.R - (Subject Access Request) - Sent - 9/11/06

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MY REPLY :-

 

Hi ******

 

We are nearly there aren't we. :)

 

You are clearly aware I have been seeking plenty of advice regarding this issue and there is just one more thing I ask of you.

 

With all the knowledge I have now regarding WDA and other customers who were NOT made to pay the default fee, I feel that it is only right you treat me like them and remove the £36 default fee bringing the frozen total of interest and further charges to the £600.

 

Once you agree to this and I have it in writing I will set up the standing order and send an email to confirm when its done.

 

Kind Regards

 

TIME TO WAIT AND SEE, DONT ASK YOU DONT GET !!!!!!!!!!!! lol

NATIONWIDE:

WON - 26/10/06

FULL REFUND - WITHIN 7 DAYS OF MCOL

Acknowledged - 25/10/06

MCOL Issued - 24/10/06

MCOL Sent - 23/10/06

LBA sent 01/09/06

Prelim Sent - 07/08/06

BARCLAYS BANK:

AQ sent 25/1/07

Defended on last day possible.

MCOL - Issued 13/12/06

MCOL- Sent 12/12/06

S.A.R - Sent - 25/10/2006

S/Ment rec - 4/11/06

Prelim sent - 6/11/06

BARCLAYS LOAN:

S.A.R - Sent - 25/10/2006

BLACK HORSE:

SETTLED IN FULL

S.A.R - Sent - 25/10/2006

CCA to get loan agreement info - Sent - 25/10/06

Prelim sent PPI + Charges 11/11/06

CAPITAL ONE

Prem sent 11/12/06

S/Ments Rec - 5/12/06

S.A.R - (Subject Access Request) - Sent - 9/11/06

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WDA REPLY

 

Dear ******,

 

The default charge is only waivered under certain circumstances.

However, in your case, as you contacted us after the direct debits has already been sent there was nothing we could do regarding this so the charge will still stand making the total repayable £636.

 

Regards

 

NOT GIVING UP YET, IM GOING TO CHECK MY SENT EMAILS TO SEE WHEN I NOTIFIED THEM THAT PAYMENT WOULD NOT BE AVAILABLE. LETS HOPE IT'S WELL BEFORE WDA PAYMENT DATE IF NOT IT LOOKS LIKE THE £36 DEFAULT FEE IS MINE TO PAY :(

NATIONWIDE:

WON - 26/10/06

FULL REFUND - WITHIN 7 DAYS OF MCOL

Acknowledged - 25/10/06

MCOL Issued - 24/10/06

MCOL Sent - 23/10/06

LBA sent 01/09/06

Prelim Sent - 07/08/06

BARCLAYS BANK:

AQ sent 25/1/07

Defended on last day possible.

MCOL - Issued 13/12/06

MCOL- Sent 12/12/06

S.A.R - Sent - 25/10/2006

S/Ment rec - 4/11/06

Prelim sent - 6/11/06

BARCLAYS LOAN:

S.A.R - Sent - 25/10/2006

BLACK HORSE:

SETTLED IN FULL

S.A.R - Sent - 25/10/2006

CCA to get loan agreement info - Sent - 25/10/06

Prelim sent PPI + Charges 11/11/06

CAPITAL ONE

Prem sent 11/12/06

S/Ments Rec - 5/12/06

S.A.R - (Subject Access Request) - Sent - 9/11/06

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Hi WDA

 

On what day did you send the direct debits then for the August Payments?

 

*******

 

Hi *******,

 

The direct debits were sent on the 26th August.

 

Regards WDA

 

OK, IVE CHECKED MY EMAIL AND I CONTACTED THEM THE NIGHT BEFORE PAYMENT WAS DUE, OOPS. I WILL TAKE THE HIT OF £36 AS ITS A LESSON FOR EVERYONE ELSE OUT THERE.

 

IF YOU KNOW YOU CANT PAY THESE COMPANIES, GET IN TOUCH WILL BEFORE YOU PAYMENT DATE !!!!!!

NATIONWIDE:

WON - 26/10/06

FULL REFUND - WITHIN 7 DAYS OF MCOL

Acknowledged - 25/10/06

MCOL Issued - 24/10/06

MCOL Sent - 23/10/06

LBA sent 01/09/06

Prelim Sent - 07/08/06

BARCLAYS BANK:

AQ sent 25/1/07

Defended on last day possible.

MCOL - Issued 13/12/06

MCOL- Sent 12/12/06

S.A.R - Sent - 25/10/2006

S/Ment rec - 4/11/06

Prelim sent - 6/11/06

BARCLAYS LOAN:

S.A.R - Sent - 25/10/2006

BLACK HORSE:

SETTLED IN FULL

S.A.R - Sent - 25/10/2006

CCA to get loan agreement info - Sent - 25/10/06

Prelim sent PPI + Charges 11/11/06

CAPITAL ONE

Prem sent 11/12/06

S/Ments Rec - 5/12/06

S.A.R - (Subject Access Request) - Sent - 9/11/06

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Hi WDA

 

Thanks again for your help, Fair enough.

 

You have been understanding enough with me, so lets just get this repayment plan in place, so we can move forward.

 

Can you re send me the new settlement with details of no further charges and interest, amount to pay back is £636

 

I will set the standing order up for £50 for the next 3 months and payments will go out on the 1st of every month. Is that ok?

 

Regards *****

 

 

Dear ******,

 

Thank you for your email.

 

I will resend the payment plan schedule minus the interest.

 

We will allow a few days after the 1st each month to allow time for your payments to clear into our account.

 

Regards WDA

NATIONWIDE:

WON - 26/10/06

FULL REFUND - WITHIN 7 DAYS OF MCOL

Acknowledged - 25/10/06

MCOL Issued - 24/10/06

MCOL Sent - 23/10/06

LBA sent 01/09/06

Prelim Sent - 07/08/06

BARCLAYS BANK:

AQ sent 25/1/07

Defended on last day possible.

MCOL - Issued 13/12/06

MCOL- Sent 12/12/06

S.A.R - Sent - 25/10/2006

S/Ment rec - 4/11/06

Prelim sent - 6/11/06

BARCLAYS LOAN:

S.A.R - Sent - 25/10/2006

BLACK HORSE:

SETTLED IN FULL

S.A.R - Sent - 25/10/2006

CCA to get loan agreement info - Sent - 25/10/06

Prelim sent PPI + Charges 11/11/06

CAPITAL ONE

Prem sent 11/12/06

S/Ments Rec - 5/12/06

S.A.R - (Subject Access Request) - Sent - 9/11/06

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AT LAST A RESULT WHICH IM HAPPY WITH ........................

 

Got the interest frozen and along with future charges , able to spread the payments over a number of months at a rate i will be able to afford. Only downside is the £36 but to be fair, if i had contacted them earlier I know that they would have wiped that charge to, so lesson learnt on my part.

 

RULE OF THOUGHT

 

If I can fight against these people anyone can, just dont give up and dont accept everything they say or offer you. You will be able to sort things the way you want them to be sorted, take control but commiuncate with them and they will communicate nicely with you.

 

I hope others reading this gain strength and knowledge as to how and what you can do against WDA, good luck.

 

If you need any help or advice I am only happy to help as many people have helped me along the way.

 

Thanks all Take Care

NATIONWIDE:

WON - 26/10/06

FULL REFUND - WITHIN 7 DAYS OF MCOL

Acknowledged - 25/10/06

MCOL Issued - 24/10/06

MCOL Sent - 23/10/06

LBA sent 01/09/06

Prelim Sent - 07/08/06

BARCLAYS BANK:

AQ sent 25/1/07

Defended on last day possible.

MCOL - Issued 13/12/06

MCOL- Sent 12/12/06

S.A.R - Sent - 25/10/2006

S/Ment rec - 4/11/06

Prelim sent - 6/11/06

BARCLAYS LOAN:

S.A.R - Sent - 25/10/2006

BLACK HORSE:

SETTLED IN FULL

S.A.R - Sent - 25/10/2006

CCA to get loan agreement info - Sent - 25/10/06

Prelim sent PPI + Charges 11/11/06

CAPITAL ONE

Prem sent 11/12/06

S/Ments Rec - 5/12/06

S.A.R - (Subject Access Request) - Sent - 9/11/06

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woe

 

who do these muppets think they are!!!!

 

you TELL THEM what they are

going to get PCM end off!

 

its YOUR MONEY take comtrol!

 

PDL companies can ONLY demand the loan totAL+ 1 months int as far as we believe

 

this is NOT a priority debt.

 

if they dont like your offer tough!

 

dx

.

 

I really wish someone would show proof of this so i know for sure.

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  • 2 weeks later...

Hi all,

 

Im happy with the arrangement i now have in place, but can any one here confirm 110% that payday loan companies can only enforce loan total + 1 months interest?

 

Many thanks

NATIONWIDE:

WON - 26/10/06

FULL REFUND - WITHIN 7 DAYS OF MCOL

Acknowledged - 25/10/06

MCOL Issued - 24/10/06

MCOL Sent - 23/10/06

LBA sent 01/09/06

Prelim Sent - 07/08/06

BARCLAYS BANK:

AQ sent 25/1/07

Defended on last day possible.

MCOL - Issued 13/12/06

MCOL- Sent 12/12/06

S.A.R - Sent - 25/10/2006

S/Ment rec - 4/11/06

Prelim sent - 6/11/06

BARCLAYS LOAN:

S.A.R - Sent - 25/10/2006

BLACK HORSE:

SETTLED IN FULL

S.A.R - Sent - 25/10/2006

CCA to get loan agreement info - Sent - 25/10/06

Prelim sent PPI + Charges 11/11/06

CAPITAL ONE

Prem sent 11/12/06

S/Ments Rec - 5/12/06

S.A.R - (Subject Access Request) - Sent - 9/11/06

Link to post
Share on other sites

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