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    • I can only speak from personal experience. But a similar thing happened to me. Seriously dented door.  I made the other insurance pay. They regarded it as a write off. Took the money, replaced the door. Never heard anything more about it.    Except clearly someone sold my details to claims company, because I got loads of calls in bad English for a few month's 
    • The incident was 03rd March 2024 - and that was the only letter that I have received from MET 15th April 2024 The charge I paid was at the Stansted Airport exit gate (No real relevance now - I thought this charge was for that!!).   Here is the content of email to them (Yes I know I said I was the driver !!!!) as said above -  I thought this charge was for that!! "Stansted Airport" Dear “To whom it may concern” My name is ??  PCN:  ?? Veh Reg: Date of Incident: 03rd March 2024 I have just received a parking charge final reminder letter, dated 10th April 2024 - for an overstay.  This is the first to my knowledge of any overstay. I am aware that I am out of the 28 days, I don’t mean to be rude, this feels like it is a scam My movements on this day in question are, I pulled into what looked like a service station on my way to pick my daughter and family up from Stansted airport. The reason for me pulling into this area was to use a toilet, so I found Starbucks, and when into there, after the above, I then purchased a coffee. After which I then continued with my journey to pick my daughter up. (however after I sent this email I remember that Starbucks was closed so I then I walked over to Macdonalds) There was no signs about parking or any tickets machines to explains about the parking rules. Once at Stansted, I entered and then paid on exit.  So Im not show where I overstayed my welcome.. With gratitude    
    • Just to enlarge on Dave's great rundown of your case under Penalty. In the oft quoted case often seen on PCNs,  viz PE v Beavis while to Judges said there was a case for claiming that £100 was a penalty, this was overruled in this case because PE had a legitimate interest in keeping the car park free for other motorists which outweighed the penalty. Here there is no legitimate interest since the premises were closed. Therefore the charge is a penalty and the case should be thrown out for that reason alone.   The Appeals dept need informing about what and what isn't a valid PCN. Dummies. You should also mention that you were unable to pay by Iphone as there was no internet connection and there was a long  queue to pay on a very busy day . There was no facility for us to pay from the time of our arrival only the time from when we paid at the machine so we felt that was a bit of a scam since we were not parked until we paid. On top of that we had two children to load and unload in the car which should be taken into account since Consideration periods and Grace periods are minimum time. If you weren't the driver and PoFA isn't compliant you are off scot free since only the driver is liable and they are saying it was you. 
    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
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5 Pay day Loans -


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Hello,

Thanks for all the information on this thread; I have found it very useful.

I am in a situation where I owe about £3000 in Payday Loans and I've been at my wits end about it. I owed money a few years back after a divorce but I had cleared all my debts and started to improve my credit rating. Now I have been an idiot again and got in a right muddle.

I started to use payday loans short term occasionally and although paying a relatively high fee I found they were an easy solution when short of cash. However I started rolling one over and then took out a second on the basis that I was due a £1000 bonus, planning to clear them both.

This never materialised and I very quickly found things mounting up with the interest, and I was running out of money at the end of the month. I must have paid a couple of grand in interest this year minimum.

Subsequently things went downhill further and I missed 2 monthly bonuses for the first time in years leaving me short by about another £1000. I have really tightened my belt just to keep the loans down to £3k.

I have now realised that although things will improve with my income eventually I am currently in a downward spiral.

All of the lenders would lend me more if I asked or roll over what I currently owe.

I was faced with a choice this month increase my borrowing and keep repaying what I owe or default, tank my credit rating and get out of this mess.

I owe money to Wonga, Quick Quid, Pay Day Uk, Uncle Buck and Lending Stream about £3k in total including the 1 month’s interest, all due in the next 2 days.

I have just cancelled my card and started the process of cancelling all DDs, getting a new bank account etc.

My next step is to let each company have my offer of repayment over the next 12 months. I have taken into account what I have read so far in this forum about being explaining my situation, being polite, keeping the offer to me paying them so I am in control.

I am wide open for criticism as it's my own fault, but I thought sharing my experiences may help someone else out as other peoples threads on here have been helping me.

Regards

Beefheart

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No criticism from me.I have read your thread with interest.

A change in circumstances and the spiral begins.

I like how you have decided to deal with things.Cancelling DD,s opening new bank account .

And taking control offering payment on your terms.

Yes perhaps credit rating will take a hit.

And i am sure your thread will help others as the replies and letters received from the lenders roll in.

And the way you deal with them

No more rolling over for you.

Well done.Another away from their tentacles.

I hope i do not seem biassed Tawnyowl.

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Thought I would give a quick update. Defaulted on some payday loans yesterday and some today.

Thanks for the support, much appreciated. I had a terrible nights sleep on Wednesday as I was waiting for my wages to go in so I could transfer them to a *safe account via my online banking. In the end it was about 2.30am when the funds hit and I managed to get them out. I had left it too late for my employer to pay them into the safe account*. (I thought it was safe, read on….……………………….. *insert Halloween noise here.)

*Tip 1 – Get your bank account and wages/income sorted before the due date and save yourself a sleepless night!

**While writing this Wonga have taken 3 lots of £10 from my safe account! :evil:

I have had this account for a while and no longer use it. I just thought I would restart it. I have no idea how they got this card number, I guess I must have given it to them last year - but I am disputing it and I have now cancelled the card, my bank won’t let me dispute until it shows their name on my statement, they say they can’t help while it’s pending. Thankfully it’s only £30 , yesterday it had the money for my heating oil in it £300! I wonder if I should report this to Trading Standards or just let them have the £30 and include it in my repayment figures – surely the fact that have offered to pay them back should mean they are wrong to try and just grab what they can ahead of other higher priority debts?

*Tip 2 Set up a new account where they cannot possibly have your account details.

 

Uncle Buck, Quick Quid and Wonga responded nicely yesterday although they wouldn't accept my offer of repayments as it was too long and I hadn't yet defaulted. (3 months was the maximum they would offer) - I need 12 months although I do hope to pay them off more quickly) Seemed quite standard emails and I sense more difficulties to come.

 

Angrier e-mails received today from Uncle Buck, Quick Quid and Wonga and now Payday UK, saying repay now or collection department etc. I just reiterated my earlier offer. My plan is to keep singing this tune until it catches on with them. I have not been keen to speak to them yet as all the information they need is in the email I sent. I don’t want to pay the 10p a minute either!

So I will update again when I hear anything different from them.

Good luck to everyone in the same boat as I am!

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Hi Beefheart,

 

Unfortunately these payday loan guys don't care or get it that these are unsecured debts over priority payments, I don't know if you would get a refund straight from them BUT do take it of the balance - I've never encountered Wonga but don't let them try pulling the wool over your eyes!

 

I've found

Payday UK mimimum payment amount is £20 monthly but will do plan over longer term and freezes interest

Quick Quid - 3/4 months plan

Lending Stream - Will do plans, but one to watch and be careful with

Check your agreement... few contradicting lines in there me thinks!

 

Just keep at them - 3 months back I had six payday loans and was 'bricking' it before default - today I'm down to four and two after next month with snowballing!! - you can do it too - on your terms as long as any further money is kept completely safe.

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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Hi

I would definietely report Wonga, but go through their complaints procedure assuming they have been given these dormant account card details. If they have not, I am sure that sillygirl will be telling you to report it to the police and get a crime number as well as reporting them to the OFT /ombudsman.When i defaulted with wonga they were a pain in the arse slapping on fees here there and everywhere. Right now they are taking £1 per month and frozen interest.

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Hi Jon

 

That is good about Wonga - you don't have their bank details do you mate for another poster this evening?

 

:-)

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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I will try the complaint route. Rotters, if they played fair they would get their money, but they have to try and be bullies.

I don't have their bank details yet, but I remember they were posted a few days ago.

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I found these details in another Wonga thread but they are from a year or so ago.

I would definitely double check they are correct first.

 

EDIT

Edited by caro
removing bank details
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I have removed the bank details Beefheart as although they may be genuine they could belong to anyone.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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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Actually the bank details were correct. I've now found them on Wonga's site so here they are again. https://help.wonga.com/help/payments/repaying/lost-card

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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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UNLCE BUCK UPDATE

So far so friendly from Uncle Buck. They say -

"We usually only offer repayment plans in exceptional circumstances such as:

 

Severe Disability or illness

Imprisonment

Terminal illness or Mental illness

Deceased

Redundancy or Reduced hours

 

Unless these circumstances apply to your case we cannot extended the repayment term any longer than the 3 months offered."

 

Therefore I explained how my income has dropped a lot and they say they need proof. Is it good practice to send them Payslips? I don't really want to do it but just wondered if that's an acceptable request from them?

 

Regards

Beefheart

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Hi Beefheart

 

Really only a judge can demand proof of your payslip, income & expenditure form etc from what I've gleaned along the way - but use this to your power as it's totally your decision

 

A couple of mine asked - I did supply to back myself up, proved facts and things got a whole lot better

There was more leniency shown in fact with a couple which I will always be suprised at when they used to say stuff like you've had from UB.

 

Kindest regards

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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I know some people say don't tell them but I think if you tell them your income and expenditure it confirms what you're saying and proves you can't pay what you don't have.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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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Thanks for the responses, I may end up giving them copies with certain details like NI number blanked out, but I am relcutant to give them wage slips, income and expenditure etc at this stage - so currenlty I am just repeating my offer.

 

Update -

Now getting inundated with phonecalls including some at work, therefore I have sent further e-mails borrowing from the harrasment template and stating that all correspondence is to be in writing.

 

Also I am about to send the original offers I made via recorded devivery so I have full proof if it does go to court.

 

I wonder what tomorrows inbox will bring?

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No agreements yet although negotiations have been made with each company via e-mail and If I could have sorted it all out over a 4 month period I reckon it could have been sorted.

However due to a situation where my employer monitors my situation, they have said I must get professional help. So I am speaking to a couple of companies about debt management plans. CCCS / Debtline seem to be the main ones. I believe this menas they will include my 2 credit cards and a provident loan which I have been keeping up payments on so far.

Good luck with your situations everyone, don't bury your head in the sand if you are struggling woth payday loans as there is help and support out there.

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