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    • Just as the title says, if ever there was a good reason to ditch Micro$oft and move to Linux then this is it :-   Giving Windows total recall is a privacy minefield • The Register WWW.THEREGISTER.COM It's only a preview, and maybe it should stay there ... forever Help is available, most modern PC's can run a version of Linux suitable for your needs and it is not difficult to use or learn. Ubuntu is popular, new version is very modern Garuda Linux is the one I use, based on Arch, rolling release, bang up to date. I have friends and acquaintances, old and young, PC Literate and not. Most people who try it never go back to Windows Hamster
    • I've had to hide two of your posts.  Anyone clicking on your links gets sent to external sites.  On top of that your real name is showing on one screenshot.  Fellow Site Team member dx100uk has already politely asked - Anyway, jk2054 wants to see the communication you got from your local court which will have told you about the hearing date of 17 June, and will have mentioned a deadline for filing your Witness Statement.
    • I believe it is helpful to seek guidance from a range of places and decide on the validity of the sources and frequency of responses which are most helpful. A single voice can be a dangerous thing. As, of course, can groupthink. Scott, it feels like £4k on a solicitor for a £1.5k bill is overkill. Were we back in time I'd suggest small claims court as your claim sounds like it may be straightforward? By all means add that phrase on. I also suggest you contact the court and go and sit in on a couple of similar cases to get a better understanding before you shell out.
    • a card should be 16 digits...urm... note your dates above please. do not miss them no matter what happens  ......................... 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.  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 CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
    • Which Court have you received the claim from ? Northamton, civil national business centre Name of the Claimant ? PRA Group Uk Portfolios ltd. How many defendant's  joint or self ? self Date of issue –  21 May 24 date of AOS - 07-06-2024 date for filing defence by - 21-06-2024 Particulars of Claim 1. The claimant claims the sum of £5600 for an outstanding debt owed. 2. On Mar 2000 the Defendant entered into an agreement with Barclays Bank Uk PLC for a credit card under reference ( 11 digit ref ). 3. on Mar 21 the defendant defaulted on the agreement  with an outstanding balance of £5600. 4. On Aug 21 the debt £5600 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on Dec 23. 5. Notices of assignment were sent to the defendant in accordance with S136 Law of Property act 1925. 6. The claimant has instructed PRA Group (UK) Limited to act on its behalf in the recovery of the outstanding debt and to pursue litigation on its behalf. AND THE CLAIMANT CLAIMS 1. The sum of £5600 What is the total value of the claim? £6100  Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No - just emails threatening action   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes   Did you inform the claimant of your change of address? no Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? credit card   When did you enter into the original agreement before or after April 2007 ? before - in 2000   Do you recall how you entered into the agreement...On line /In branch/By post ? I don't recall - I suspect post / online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? am awaiting access - but I suspect it is    Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. assigned - debt purchaser has issued the claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Pretty certain - Yes   Did you receive a Default Notice from the original creditor? pretty certain - Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? there's been gaps - they went very quiet  Why did you cease payments? Covid lockdowns  What was the date of your last payment? i thought it was 2020 - they say 2021 Was there a dispute with the original creditor that remains unresolved? no Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? no
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Getting back on track with PD loans, help needed!

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Hello all, newly registered but I've often come onto the site to seek advice through others threads. So here goes with my story. I have been in the payday loan trap for a fair time, now I want to get out. The debts that I currently have are as follows;


Speed Credit 300

PDUK 350

Wonga 300

Lending stream 775

QQ 650

PDExpress 400

24/7 Money 150


I've never written them out like this before today and that looks quite a mess. A summary of how I stand with them are as follows.


Speedcredit: Repayment plan over 3 weeks, will be paid by end of December, don't want to mess with these as they seem to be stubborn.


PDUK: £350 owed, repayment plan of £50 per month is agreed after I threatened to report them.


Wonga: Repayment plan of 3 monthly payments has been agreed.


Now the others are either not willing to listen or just won't reply.


Lending stream: saying £775 is owed on a £300 loan after a few missed payments. They told me £12 fee for every missed payment so I have calculated I should owe £610 taking these fees into consideration. I have told them about this and informed them I'd like to get into a repayment plan but haven't heard back.


Quickquid are adamant I owe £750. I informed them I was going to miss the next payment so I could set up a repayment plan. They ignored this and applied an extension. I missed this and the next payment so they want the loan amount plus interest plus this extra extension fee. I may have to let this get to debt collection as I don't have any money in the next few months and they don't appear to accept longer term plans.


Payday express don't seem to want to play ball. They said they only accept repayment plans for unemployed. Does anyone know if they continue to add charges.


24/7 moneybox: Only recently missed payment with these, I don't know how I should approach them, any ideas?


I am going to stick to the repayment plans I have in place, does anyone know how I can deal with the others. The problem is that I have no money at all until March due to these commitments. I doubt people will want to listen to a repayment plan starting in three months time, but once we do get to March I'd be in a position to settle them within 3 or 4 months providing the interest doesn't continue to build.


Any advice on how to deal with the various companies would be great. I've got an I&E sheet which I can send.


Also, I now have a different bank account and none of the companies have my card details.


Thank you guys.

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All you LEGALLY owe is the original loan amount and one months interest, read the PDL forums posts for each company to see how easy/hard it is to deal with them.


They cannot send round doorstep collectors to remove goods or visit your workplace and they cannot send a bailiff out unless they first obtain a CCJ, and you are a long way off that.


If any of them play up report them to


http://www.consumerdirect.gov.uk for the Office of Fair Trading

http://www.tradingstandards.gov.uk for Trading Standards


These companies are high profile at the moment so your complaint will count towards getting them curbed or closed down.


Don't forget to protect your income and get a new bank account with either the Post Office, Halifax Easycash Online account or the Co-op.

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Great, thank you, I'll have a look through the forum and read up as much as I can before I got back and make my offers.


Also, I have moved my funds to a co-operative bank account and none of the companies know neither my card no. or any of the bank details so I'm confident that I'm in control.


I'll update when progress is made and I'll look forward to any more advice anyone has got!

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  • 4 weeks later...
how did you get on? payday express have agreed a payment plan with me today and have also credited interest and late payment fees


My payday express one has been referred to the moneyshop. I sent them a copy of my finances which are tight until March and they they'd need payments in January and February to stop collection procedures so I offered them £20 in each of those months then £110 over the next 4 months (total owed is 440).


Lending stream were really good, dropped all the charges and started a repayment plan for £610 that I'll begin to pay in March!


24/7 have been the worst. When I said I had no money to freeze the account the guy in chat said I'd be dead within 3 days because I can't pay for food or drink. A few days before I'd offered £20 to freeze the account and they refused. They also called my bosses at work and informed them of my loan and gave them my personal mobile number! They're getting reported for that.


For now I've sent a long letter with all of the guidelines that they've broken and I'm waiting on a reply to that so hopefully they'll back down. If not I'll let it run it's course, I've got 8 emails that weren't replied to offering payment and the chat records where they refused payment.


If they want to take me to court I'll let them happy in the knowledge that I've done all I can to get the funds to them asap!


Glad to hear they are playing ball with you and thanks for asking how I'm doing!

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You HAVE to report them, no ifs or buts, this is very very much against the OFT Guidelines for Debt Collection and against the Data Protection Act. The guy who told you you would be dead in 3 days without food or drink is a headcase and he must be reported too...


Remember the OFT have payday loans in their sights at the moment so this could cost them their licence


http://www.consumerdirect.gov.uk for the Office of Fair Trading

http://www.tradingstandards.gov.uk for Trading Standards


Remember do not give them a chance to get you on the phone again and if they do email them with a formal complaint and details of the conversation - this is as much for your records as theirs.


You can block calls on most mobile phones so you could block them and not answer unknown numbers...

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Thank you sillygirl, I'll certainly be doing that, I don't want this to happen to anyone else in the future and fingers crossed they will not get their license renewed, they're terrible.


I also don't tend to answer my phone any more, I get about 10 missed calls a day from various numbers so I just leave them so I can deal with everything in writing.


And rebel, what would these credit union's be able to do to help me. I've had a quick read through the links and I've got a bit of an idea but I don't completely understand it!


Thank you for your continued help guys!

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Hiya... What did you say to Payday Express to make them give you a repayment plan??


Where QQ is concerned.. I think they make you run out of extensions before they set up a payment plan then they get the most money possible out of you!


I am trying to get payment plans set up for my loans.. do you contact them to pay as they don't have any of your card details?


AJ2012 xx

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Thank rebel, I've e-mailed my local credit union to ask about it!


AJ, with Payday express I just waited. I tried to set up plans with them before but nothing so I just ignored the calls and texts until they referred me to the money shop. Then I sent an I&E form to them and told them what I'd pay and when and that they could see that was all I could afford. They just agreed with that, the plan is over 6 months as well so they aren't too bad but initially they're terrible!


With Quickquid I didn't ask for an extension, just informed them that I wouldn't be able to make a payment. At about 3 in the morning I got a reply to the e-mail and 2 minutes later got an e-mail confirming my extension. I didn't request one and didn't sign anything so that's the sticking point, they're saying I owe them for that when I didn't want or agree to an extension! Anyone know what I can do about that? They're refusing to budge and I want to get a plan in place.

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