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    • Movie theatres are welcoming back audiences on Friday hoping there is pent-up demand for a night out. View the full article
    • god where ever did you find all that twaddle rabbit hole stuff to go down .... no wonder you came here...we don't allow nor portray twaddle , neither lead people doen rabbit holes that then cost them money by sending PM's offering help of anything upto £360 for even a failed CCJ defence...   anyway enough of that BS. lets get you moving in the right direct , you should be ok as CEL are always losers if you do things correctly   can you fill this out please:   Received a Court Claim From A Private parking Speculative invoice?? - How To Deal With It HERE***Updated Aug 2016*** - Private Land Parking Enforcement - Consumer Action Group
    • A growing number of clubs big and small are using more technology to help performances on the pitch. View the full article
    • Where was the help for the environment, social care, renters, and to cover the future costs of Covid? View the full article
    • Hi All, I have received a parking ticket as RK (thats registered keeper right?) for overstaying by 16 mins in a well known wholesalers car park in Liverpool. I read some very confusing (and sometimes contradictory information on several sites) on how to deal with this. I followed the instructions to firstly challenge the validity of their claim. I wrote to them (no response) and emailed them. I had to guess at the email address because they provide only the registered office address or a 'claim line', which if i had contacted them on that, would have been agreeing to their idea of us having a contract in the first place (right?). i eventually got the admin email and sent it there, stating that i had already written to them with no response. I got a response saying that they do not respond to correspondence at that address and i should either write to them (already did) or contact via the appeals line or appeals email (again with the acknowledgement that its an appeal i need, rather than straight up confirmation). I asked in at the wholesalers customer/ member services in store about the car park ownership and they informed me it was a consistent problem and they didnt know the owner. I have contacted the head office in Herts for the information. (Customer services/ member services/ online services & complaints) for the information regarding ownership of carpark and the contract of agreement between them and the CE parking management with no luck. I received no further correspondence and therefore assumed that they had dropped their spurious claims. They acknowledged my letter with: "Response from representation team -  We refer to your recent correspondence. We accept for you to pay the original reduced sum of £100. The Parking Charge Notice has been passed to a debt recovery agency. All further enquiries, including payments, must be directed to them. Please follow the instruction on the correspondence you have received." I received nothing else until I receive a Northampton county court business service court claim. The amount is now in the hundreds (£274). I have acknowledged and sent back the form with nothing else written on it. now i have another week or so to mount my defence. I dont know anyone who speaks 'legalese' and frankly its giving me sleepless nights. Incidentally, at the time of the alleged 'contravention' there was a bout of sudden severe weather which was 'waited out' inside the wholesalers porch by several members and their children because the soft furnishings and electricals (for example) bought in store would have been destroyed by the downpour. Further investigation into the owner of the Civil Enforcement ltd has shown me that they are owned by CCP parking, who are in turn owned by Qa Nominees and are owned by people exposed in the Panama Papers scandal.   I am feeling like im a tiny part of a very big scam here, one that DVLA are profiting from. Under advisement, I have written a complaint to the wholesalers complaining about being treated so shoddily as a member. Under advisement, I have also written to CE ltd requesting a Subject Access Request. But I really dont understand the process or what steps to take now.
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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
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My Payday hell will be over in 1 month!!!!!


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I thought I would share this as I am actually very excited about the prospect!!!!

 

My OH and myself had a lot of payday loans and by 25 October we will have 0!!!!! Here goes

 

Wonga - £600 loan - Now owe £350.00

WDA - £470 - Now owe £124.00

Lending Stream - £575 (2 x loans) - Now owe £80

Txt Loan - £300 - £0 balance

Paydayexpress - £200 - £0 balance

Swift - £200 - £0 balance

 

We have both worked o/time etc to make sure that these can be paid in full next month and then we will be free. One thing I have learnt is "if you cant afford it you cant have it" I would much rather live on beans on toast for the rest of my life then to full foul of these people ever again.

 

The really funny thing is that I am now getting calls at work regarding my "application" and they are all coming from PDL's that are paid off!!!!

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Aww that's brilliant news. Massive congratulations to you both. I'm just at the beginning of my journey (default day today) emailed all companies last week, 3 of 6 have agreed to repayment plans, just 3 more to get to agree! Can't wait til I'm

Payday loan free! By April next ear that should come!

 

Well done again, u are an inspiration

:-)

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Hope you get the last payments done okay - report the companies who are calling you at work.

 

brilliant well done and good luck to u and ur family and i too HAVE been living off beans and toast and i intend on celebrating getting rid of mine soon with a full roast lamb dinner and a bottle of wine ,good luck:lol::wink::whoo:

:violin::ban::lock1::bump::clock:
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Hi guys i am in payday hell next week i have 8 payday loans and they are due next week leaving me with no monies to pay rent or council tax or live

i paid all rollover last month and was left with nothing i sold loads of my stuff just to pay my rent i really can not go through this any more i am not sleeping

or eating any advice would be helpful dont know where to start from :(

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Excellent! Bet the relief is amazing.

 

Out of curiosity did you manage to set up payment plans with txt loan and PD Express for loan and one month charges? PDE wont play ball with me atall and I am offering to pay £200 loan over three months and txt loan agreed to a payment plan but for a loan of £100 & £17 interest, they want £175!

 

Congrats again x

[FONT=Comic Sans MS][SIZE=4][COLOR=magenta]C [COLOR=black]& [/COLOR][COLOR=blue]D :) [/COLOR][/COLOR][/SIZE][/FONT] [COLOR=black][FONT=Comic Sans MS][COLOR=mediumturquoise][B]HSBC[/B][COLOR=#000000]- Full settlement received & spent! £1,477.93 :-) [/COLOR][/COLOR][/FONT] [COLOR=mediumturquoise][FONT=Comic Sans MS][COLOR=mediumturquoise][B]HSBC claim 2![/B][/COLOR][COLOR=#000000] - Full settlement offer received 27/06 - £1,116 :) [/COLOR][/FONT] [FONT=Comic Sans MS][FONT=Comic Sans MS][COLOR=mediumturquoise][B]A&L[/B][/COLOR][COLOR=#000000] (for my Nan) - full settlement received on day of prelim hearing - approx £1500 :-)[/COLOR][/FONT] [FONT=Comic Sans MS][COLOR=mediumturquoise][B]Halifax[/B][/COLOR][COLOR=#000000] - (for a friend) - full settlement received 30/06 - £2576! :) [/COLOR][/FONT] [FONT=Comic Sans MS][COLOR=mediumturquoise][B]Barclays[/B][/COLOR][COLOR=#000000] - (for a friend) - Court forms were due to be submitted but he wants to wait for results of the court case with OFT[/COLOR][/FONT] [/FONT][/COLOR][/COLOR][FONT=Comic Sans MS][COLOR=#000000][B][COLOR=mediumturquoise]A&L[/COLOR][/B] - (for a friend) - court forms submitted - claim 'stayed' due to OFT case[/COLOR][/FONT]

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PDE were actually relatively easy, I had in mind and knew that I would have to live on beans on toast for a few months and managed to get them to agree to a 3 month plan of £70 x 2 and £60 x 1, with Txt loan I did the same thing but over 4 months and though I paid slightly more than 1 months interest in terms of their default charges because I just wanted it sorted and didnt want to go through the hassle of arguing for months on end they agreed.

 

I didnt actually give them much of an option with PDE as I made the payment before we defaulted to give a bit of backbone to my request. Also with calls at work, my colleagues are ace and gave each and everyone a piece of their minds and they didnt bother phoning back as it never got them anywhere!!!!!

 

Now counting down the days til freedom, L-Stream and WDA will be gone in 9 days and Wonga in 20 days :lol:

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