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    • BTW, the reply I got to an SAR shows they got my keeper details from DVLA via ZatDVLA and apparently their footage shows the vehicle being stationary for 38 seconds.   Time for sleep.   Thanks again.
    • Morning all,   the pdf in my previous post is an error. Could soemeone delete it please as I don't seem to be able to myself. Thank you.   Correct files are below. Had to be 2 as file size limit would be exceeded.   What a night, got myself in a right muddle switching between file formats to ensure security. To cap it all it's my birthday today.   Thank you in anticipation final multi.pdf Second two page file elms 1 and 2.pdf
    • This is a draft of my WS   By no means final   Negatives:   doesnt follow smoothly    long winded   not much referene to cases except Beavis     I have tried to attach appendied but failed miserably, but I may not need them   The appendix are essentially:    IPC COP example of a contract between landowner and a PPC   IPC COP re entrance signages   IPC COD re sanctions on members who dont comply   JPEG of the erected signage showing that its back is to the entrance of the car park hence not in immediate view   JPEG of a receipt from 16.1.2021 ( yesterday) proving I went there and had a look at the signages     Not really sure if the appendices will make much difference en my defence   Please make any constructive comments etc..   I will have a look at the many links  FTM Dave kindly provided. I havent in detail because bene typing for the last 7 hours      Anyhow Thanks All             WS redacted-merged.pdf
    • Thanks DX 100   haha i totally  agree with your comment about the page 20    Yes I am awake and been all night w my WS   BUT can I point this very very very impt point please, which I am not sure if it has come to your attention   1. The payment machine and 6 hours and the free parking after 4.30 pm on a Saturday etc....all taken on board.   HOWEVER, and I cant stop myself laughing, this pay machine  he eludes to is based at The Market Shopping Centre Car park , after googling it is in CREWE.  It is not even relevant. They have put in a signage that is not even at the Merry Hill Centre which is in the West Midlands.    The Merry Hill Centre is the one I went to in Dudley, west midlands. All the signages , apart from the one you elude to have the intu Merry Hill logo     The one you refer to is in Crewe. I have never been to Crewe in my life lol so that signage is totally irrelevant    we can play this either way:   1. can take up your line of argument regarding the 6 hours etc. and pretned we are also using the pay machine    OR     2. totally dismiss it as being irrelevant, misleading , wasting the time of everyone by providing irrelevant info. Thats what I have argued in my WS so far. That signage does not belong to inTu Merry Hill            This is akin to someone being on annual leave from work between say 1.10 .2020 and 1.11.2020, and then finding out one of his/her collogues saying,  I saw you leaving work early last week , the 15th of October 2020.   hello !!!, I wasnt even in the country on the 15th of October 2020 !!   essentially thats what the claimant has done . The signage on page 20 doesnt even belong to the shopping centre I went to   I will log out and carry on with th WS     Thanks again       .   
    • Thank you FTMDave. As you can see from the time now I have had a nightmare getting questionnaire answered due to scanner problems, it is up there now though. I do not have proof of breakdown as the alternator was bought from a breakers yard near Chelmsford. I remember it well as they sold me the wrong one on the Saturday and I had to go back in my mechanic friends vehicle on Sunday as I had broken the original alternator getting it off.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

too many payday loans - help - does Card-cutting really work? **

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This month's payments match my total salary since my life spiralled out of control because of my partners insistence on taking out payday loans to cover the mortgage and council tax. I have 18 days before my bank account is emptied again, and I can no longer ask my parents for help. Most of the seven lenders (around £200-500 each) are taking the full amount.


We've got 18 days before we crash.


I read the other night that cutting your plastic up will stop them?


I need help...





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Ok, so they are taking the money out of your bank account, yes ? Directly from the account by way of the Debit/credit card ?


You have a couple of alternatives I would think. Ask for new cards, say that you think your account has been compromised by way of the cards. Or completely up sticks and move to another bank.


I then suggest you organise a budget and instill in your partner the need to stick to it. Payday Loans are a disaster.. and to be honest, if these are necessary to pay for the priority debts then you both need to do a serious rethink on your finances.


Budget sheet.. [ATTACH]30464[/ATTACH]


Have a read of Sequenci's debt blogs which are linked in my signature.



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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.



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Thank you for your advice. Here's an update. I've been to the CCCS and completed their suggested debt remedy which includes a budget and list of my debts.


My concern is still the 6 payday loans that will be emptying my halifax account (they show as 'DC' on the statements) using my Visa debit card on payday. I phoned CCCS and asked them about what to do. They suggested writing (or emailing with read-receipts) to each stating:








Creditor's Name:

Account/Agreement No:


Dear Sir/Madam

I have received advice from Consumer Credit Counselling Service to help solve my debt problem.


I am in financial difficulties and not able to meet my normal monthly payments.

At the moment I am trying to raise money to pay off my debt with you. In the meantime I will continue to make a monthly payment of whatever I can afford until the money is available.


Please remove do not collect any Continuous Payment Authority payments from my back account.


Please consider reducing or stopping interest or any other charges on my account to help me during my financial difficulties.


Yours faithfully



I was also asked to send copies to my bank and ask the bank to remove any 'Continuous Payment Authority' from the payday loan people.


My card has the CVV that has been given to the lenders, but CCCS said doing the above should stop them.


Has anyone tried this tack?


Thanks again,



Edited by mashandpeas
change to advice from CCCS
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Cancel your cards, NOW! then get new ones. Although this is not a long term answer it will give you breathing space. The companies cannot take monies from your accounts without a valid card. Obviously if you then don't come to an arrangment with the companies, that may have long term issues, but for a short term answer CANCEL THOSE CARDS NOW!!!

If any of the banks pay out, you can get the money returned by the bank, because they have honored a defunct card, the only way that the companies can then get monies from your account is if they have a Direct debit, or to start taking other action which can take months, years, but off course affects your credit rating.

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Thanks BBiker


Just been reading the loan agreements that I could find. Almost all of them can collect by direct debit it the card transaction fails!


No way was that intentionally signed (should have read it better!!!)


Can a Direct Debit be cancelled?





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Yep, just phone up your bank and cancel the Direct debit, as i say you have to be aware that the companies will reg this with credit agancies, and the sooner you can come to some arrangement to pay them back the better, but if they are not listening to you they have left you very little option, your home must come first.

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Can you get a new bank account, I would suggest you do that as a matter of urgency as these buggers have a way of emptying your account even with cancelled cards. It doesnt matter if it a simple cash account, it will keep your salary safe. This would be the first thing I would do.


Can I ask who the pdl's are with? This may help in how to go about setting up payment arrangements.

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Thanks Both of you.


I could do with reading up on new banks.


The PDLs are from: Lending Stream , Liquid Advance , Payday Express, QuickQuid, Swift Sterling Personal, Txtloan Limited and Wage Day Advance Ltd.



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I would have thought someone with debt probs can only open a basic account unless I'm missing something!I've got a repayment plan set up with all 5 of mine (in all took about 5 weeks from 1st contact with the last one to agree a plan) and I've just had 2nd batch of monthly repayments out this week with no probs they are not all so bad as long as you don't ignore them and do let them know your having difficulties making payments as soon as.If your that worried maybe invest in getting a pre-paid card (terms will apply tho and there will be a minimum loading amount)and never approach another payday loan company or apply for further credit to pay of the ones you currently have

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform


“Nothing in this world can take the place of persistence.”



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Right some of mine too


Lending Stream .. should be ok - do not let them 'disappear' would be my word of advice seeing other threads, may try to get you to re-loan

Think I've asked myself once before if they differ to the average payday lender considering their loan durations are that bit longer in some cases up to 6 months?

so not sure where the one month plus loan amount comes into it

I had a loan of £200 just shy of £500 total repayable even before having charges applied


Quick Quid - will provide plan over 3 to 4 months only


Payday Express - After huff and puffing will agree to repayments

not sure on a set duration with them as I have to have review in 5 months


One of the others (a major PDL lender) I also had agreed pretty much outright to a 12 month plan so can be done - though on some I did need to provide details such as statements, income and expenditure details, amount of debt, other creditors details even !! but I did find it helped personally.

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform


“Nothing in this world can take the place of persistence.”



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WDA were very good with us, they set up a plan without a problem. Sent email before I defaulted and plan was set up within 24 hours after a few emails.


In terms of bank accounts, many offer basic accounts, such as co-op, they may be worth a shot.


You really need to get working on this as soon as poss to avoid having your wages disappear!

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