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    • Makers of insect-based animal feed hope to be able to compete with soybeans on price.View the full article
    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
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Depressed and worried over payday loan hell -


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I am currently dealing with WDA - I have already paid them £700 in roll overs for a £400 loan and the £400 is still outstanding plus £100 interest meaning, if paid today £1200 would be paid for borrowing £400 !!!!!

 

I have gone down the route of questioning their claim to be responsilbe lenders and that allowing a client to roll over on 7 occaasions is not responsible lending nor making their original a short term loan. I have stated to them that rolling over on 7 occasions would suggest their client does not have the ability to repay the original amount borrowed and therefore they have not been responsible in allowing it to happen. I asked them to consider using some of the £700 already paid to be offset against the original capital.

 

I though they would blow it out of the water but have acknowledged my email and said they would get back to me but in the meantime to complete their I&E and supply the most recent months bank statements.

 

I will not complete their I&E form but have supplied them with bulk figures of income, expenditure and disposable income. I will not send them my bank statement.

 

I have advised them of this stating that they did not request this information or bank statement when I originally borrowed from them so I will not supply it when trying to repay them.

 

I await their response. I have however, stated my wish to come to a "mutually agreeable repayment plan which I can afford" in all my communication with them and requested their bank destail in order that I can commence repayments.

 

They are not quick to respond but I am not yet in default with them.

 

Everyone has their own opinion of sending I&E details, but if you have nothing to hide it will probably help your case and show your willingness to negotiate with them. NO BANK STATEMENTS THOUGH !!!!

 

Hope this helps.

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  • 2 weeks later...

Hi everyone I just want to update you on my progress after contacting QuickQuid, WageDayAdvance, Swift Sterling and Mr.Lender regarding repayment plans.

 

Quickquid - Sent an email to them 5 days before defaulting and a support ticket was opened. After playing email ping pong with them I managed to secure an eight month repayment plan with them to my surprise!:-o I have already made my first payment so seven to go there.

WageDayAdvance - Sent an email to them 5 days before defaulting, the day after was sent an income and expenditure form to fill out which I did to the best of my ability. They also wanted last months banks statement, to my reluctance I sent them it also to show I am hiding nothing. After doing this they have agreed to a ten month repayment plan :-o

Mr.Lender - Sent an email to them 5 days before defaulting same as the rest asking for no phone calls whatsoever.I received no replay until the day the loan was due when I received 3 calls that morning! I bit the bullet and decided to call the person back who left the message. I told them my situation and being honest the person I dealt with was first class and really understanding. They called back later that evening with a repayment plan after I made a token payment. I now have a six month repayment plan in place with them :-o

Swift Sterling - Sent an email to them 5 days before defaulting same as the rest asking for no phone calls whatsoever. I have heard absolutly nothing back from them even though I send them an email everyday. I think they will be probably be charging the world's interest on my loan now and I dread to think what I owe them or should I say what they think I owe them. They are a disgrace in comparison to the other companies in my opinion as they have shown no effort on their part to meet a resolution in my matter. I tell them everyday by email I will make a payment according to the repayment plan I state but no reply??? can anyone advise what else to do with them to try and come to a resolution??

 

I just want to thank everyone for the advice I have received up to now it was not that long ago I was in a very bad place thanks to my stupidity with payday loans but I fell a massive weight is now off my shoulders. I am far from clearing them but this time next year they will all be gone. I now have repayment plans setup with Quickquid, Cheque Centre, Wonga, Txtloan, WageDayAdvance and Mr.Lender. Swift Sterling is the last one to overcome. I'll keep you updated keep fighting everyone.

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  • 2 months later...

Hi,

Please can anyone advise, I have successfully agreed repayment plans with a number of Payday companies now thankfully but I still have Lending Stream, Payday Express and PayDay UK to deal with. Can anyone please advise how difficult these companies are to deal with? do they add on extoriante charges? like other payday companies I am planning only to communicate with them via email. I am terrifed they will contact me at work. Any advice greatly appreciated. These are very tough times for me I can't believe I got myself into this mess.

Thank you

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I found these 3 easy to deal with. PDUK and lending stream agreed straight. PDEX wanted a I&E form so they got

income = *******

outgoings =*******

money spare = what i offered

all three added no extras only what was owed and one month interest. I found that PDEX did phone my place of work to ask for me but did not disclose anything to my employer.

You should be fine as long as what you offer is resonable. As with all PDL companys contact them first request in writting only and keep in touch, then they have no need to contact employer.

 

Fernal

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  • 8 months later...

Hi,

Stupidly I got myself into a mess with payday loans, I am glad to say I am well on the way to getting out of this mess. I am now determined to sort out my debts and improve my credit which I will do. However there is one payday loan company who have registered a default against me each month since April (I have only noticed it this week after signing up with Noodle for a credit report). This is one debt outstanding to them which I will have paid in full early next year. I understand this is against the law in that there should be one default maximum against one debt, is this correct? Can anyone please give me some advice on how to get these multiple defaults removed?do I contact the payday loan company directly?what other body can I contact?

Thank you

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That is correct after checking the date of default is 15/01/2012. Since April a D is listed under each month, can I take it then what matters is the default date 15/01/2012? I don't understand why they continualy mark each month from April with a D marker. I defaulted in January as stated surely this should be the only D marker present. Thank you for your feedback

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This is being reported correctly, the original default date will not change the ''D'' markers will continue until the default is remedied, if you not remedy the default they can report the on going exisiting default.

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  • 6 months later...

Thankfully I can see light at the end of the tunnel with my payday loan nightmare, it really has been a difficult time. At one stage I had 14 payday loans but in a few months they will all be gone. I plan to tell my story and perhaps give advice on getting out of the payday trap maybe sometime in the future. Anyway I bank with HSBC, can anyone please advise what is the best way to get them to cancel CPA on all 14 payday loan companies I dealt with. I just want ease of mind in case one of them decides to dip into my bank account sometime in the future.None have my present card details.

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Read the sticky, then form a letter and list all 14 lenders. Make sure to note their related merchants too.

 

You might also want to look into a letter of appropriation.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 3 weeks later...

Can I ask how you are repaying your debt to QQ. I only ask because Im trying to set a plan up with them but have so far been unsuccessful. I asked for their bank details but they have said they don't have a bank. They said they only accept payment by debit card, which I am not prepared to give them. I default on my loan with MR Lender on Friday. Im going to send an email and letter offering a repayment plan. Im only prepared to pay it into their bank as well. Im not paying by card. How did you make payment to them?

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Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • dx100uk changed the title to wonga Payday loan Hell - Txtloan, Wonga and SwiftSterling **
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