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    • Thanks for this! I'm still not clear if I'm facing more than 6 points on my license though. Can you explain any further please? When I accept the 2nd speeding ticket, will they just charge me £100 and 3 points, or will they be more severe concenquences since that offense took place the following day of the 1st offense? Similarly, when I accept the 3rd offense, will they look at my record or just charge me with the £100 fine and 3 points?
    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS had poll speculation FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
    • Please go back and read my message posted at 10:27 this morning @jk2054. I didn't say that I wasn't going to provide documents, only that I will upload them to an online repo that I am in control of, and that I would share links to these. You shall still be able to read and download them no different from if they were hosted here. And, the issue I have is not so much with hosting, but using an online pdf editor to create a multi-page pdf, again I have discussed this that same message.
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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My Payday Loan Story


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Hello,

I have been reading all your payday stories for a while now and finally registered.

I thought I would share my story.

 

It all began in early 2010, needed some extra cash and thought getting a payday loan was a good idea. I paid that back and got another one and before I knew it I had ten payday loans.

 

I was working full time and realised I could not pay these loans back and just paying the interest was using up all my wages.

 

Unfortunately a few months later I was made redundant and found myself in a lot of trouble.

I started claiming job seekers allowance which is not very much.

 

I then did the most silliest thing ever and ignored the debt foolishly thinking it would just go away.

 

3 months later I got a permanent job and decided to conatct all of the people I owed money too.

 

I have agreements with all my payday loan lenders and will be cleared of this debt by Dec 2012.

 

My payday loans are:

 

Capital Finance One

Minicredit

Quick Quid

1 Month Loan

24 7 Moneybox

Payday Express

Payday UK

Fancyapayday

Safe Loans

Payday Overdraft

 

By far the worst ones are minicredit and payday overdraft.

 

My advice is if you want to get out of this payday loan hell you WILL have to default.

 

You must open a new bank account to have your wages paid in.

 

If you use your old bank account, trust me they will try and take your money, believe me I know!

 

Pay everything by DD and standing order - Do not give them your card details.

 

I am turning 30 this week and can finally see light at the end of the tunnel.

 

I can not express the relief I am now feeling knowing that everything is being paid off.

 

Just wanted to share my story and give hope to you guys that you can get out of this hell.

 

If you have any questions or worries, I will be happy to answer them.

 

Amelia

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Only one argument on your story Amelia-Jade you

should NEVER EVER pay these loans by DD always

by Standing order DDs can and be and often are

abused by these loan companies we have seen people

left penniless by misuse off DDs:madgrin:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Only one argument on your story Amelia-Jade you

should NEVER EVER pay these loans by DD always

by Standing order DDs can and be and often are

abused by these loan companies we have seen people

left penniless by misuse off DDs:madgrin:

 

 

The only DD I have is with QQ and I have never had a problem.

 

I do understand your comment though.

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Many of the companies will insist that they

are unable to accept payment by SO, the only

reason for this ''policy'' is they cannot manipulate

a standing order, given that they want paying the

will after a fight accept the SO.

 

Brig.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Many of the companies will insist that they

are unable to accept payment by SO, the only

reason for this ''policy'' is they cannot manipulate

a standing order, given that they want paying the

will after a fight accept the SO.

 

Brig.

 

Yes I know, I really had to stay strong and stand my ground. The majority want your debit card details and we know what happens

when you give your card details out.

 

When I changed my bank, I applied for a cash card account which meant I would not have a debit card but can have direct debits.

 

It works pretty well for me.

 

When I go shopping, I just draw out some cash.

 

Also for 30 mins once a month to go the bank and transfer the monies to all my payday lenders, its worth it.

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Congratulation!!! you are doing everything right and

will soon be free and clear.

Brig.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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hi everyone i just wanted some advice i stupidly took out payday loans coz had car fault also christmas being here, i owe 4 wonga, payday uk, cash genie , wad , i cant afford to pay them all this i only work part time and support my family yes i know its my owe fault but its done now i just waited to know how i go bout setting up repayments and what i do first ! if anyone has any advice i will be grateful thanks

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  • 2 weeks later...

Hi Ameila - I am at the early stages of trying to resolve mine, I have 13 lenders of which many are the same as yours.How did you get on with each of yours in terms of getting a realistic repayment agreement in place? It seems that the ones that have offered me a unmanageable repayment offer are scaring me by insisting interest and charges will continue to be applied if I dont accept the offer.

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  • 1 month later...

Not to mention Payday Overdraft, surely ??? Sorry I really stuggled with this thread! Above poster - try CFO's trade association, COMPLAIN AND REPORT

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 Amelia I was wondering how you dealth with the dreaded capital finance one as I could use some advice. They are the only ones who will not agree any form of repayment plan with me.

 

Not to mention Payday Overdraft, surely ??? Sorry I really stuggled with this thread! Above poster - try CFO's trade association, COMPLAIN AND REPORT

 

Strange. I was only thinking of both these companies this morning.

 

Both these want reporting and NOW. CFO for their debt collection practice (MT Collect) and Mr Hart or his employeesfor their total beliggerent attitude

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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did you get a repayment arrangement for Minicredit?! They have been horrendous for me. I'm trying to get a settlement sorted as we speak. Congrats on going a step in the right direction!! I hope that by the end of 2012 I can be almost debt free too :)

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Best thing we can do is stop feeding this thread... the OP hasn't been here in sometime

That was the point I tried to make earlier - some of the more recent threads will be better

Don't get me wrong, I'm just really dead curious how someone allegedly gets 12 months plus of plans setup with all and some of the worst known offenders.... nor do I honestly know of many that give 'a break' without any repercusions - we're not being feed a whole story here

Nor do I seriously see anyone's bank willing to 'put payments through' not in the day and age of internet banking which is why this thread doesn't do anything for me just makes really cruel lenders look nice at first glance

Unless OP is to end up with a mountain of unexpected charges in December which may well happen... they might be back then...

My only advice to anyone would be to prepare to complain, report and if you don't receive emails - send letters recorded delivery and keep of the phone

Edited by asmilecostsnothing
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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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