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    • You seem to have this well documented and covered. Have you asked what the selection criteria are? And have you checked this to see if you should have a rep?   Redundancy | Acas WWW.ACAS.ORG.UK The process an employer should follow, collective consultation, and employee rights, including notice periods and pay.  
    • A bit of sadly all to rare promising news   ‘Smart’ antibiotic spares the microbiome An antibiotic called lolamicin targets disease-causing Gram-negative bacteria without disturbing healthy gut bacteria. Broad-spectrum antibiotics against these pathogens wreak havoc on the gut microbiome and can allow potentially deadly Clostridioides difficile to take over. Mice infected with antibiotic-resistant Gram-negative bacteria survived after being given lolamicin, whereas almost 90% of those that didn’t receive the drug died within three days. Lolamicin did not seem to disrupt the gut microbiome and spared mice from C. difficile infections. Nature | 4 min read Reference: Nature paper
    • Yes that's right-Parking Eye are usually very good at getting their PCNs compliant with the Act. So both being out of time means that PE cannot transfer the liability for payment from the driver to the keeper. So only the driver is liable to pay the PCN not the keeper. I understand from you that at least one of the keepers was not driving at the time which puts them in the clear providing PE are not told who was actually driving on that day. However even if with the other car the keeper and the driver were the same person the driver can still successfully argue that they are not liable to pay. The arguments are that there  appears to be no entrance sign advising that the car park is now private. That no signs were there advising that this was a new car park as it was at that time. That the signs are prohibitory so even if PE do have a contract with the landowner, the contract cannot extend to the motorist as there is no  offer other than no parking for those without a permit. You cannot form a contract with motorists trying to park if you are not allowing them to park there because they do not have a permit.  In those circumstance [parking without a permit ] you may be considered to be trespassing but only the landowner can sue for that not PE. And its not worth the landowner suing because the cost of suing would probably not outweigh the fine for trespassing.   PS  I sent you a private message-not about your case.    
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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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