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    • Hmm yes I see your point about proof of postage but nonetheless... "A Notice to Keeper can be served by ordinary post and the Protection of Freedoms Act requires that the Notice, to be valid,  must be delivered either (Where a notice to driver (parking ticket) has been served) Not earlier than 28 days after, nor more than 56 days after, the service of that notice to driver; or (Where no notice to driver has been served (e.g ANPR is used)) Not later than 14 days after the vehicle was parked A notice sent by post is to be presumed, unless the contrary is proved, to have been delivered on the second working day after the day on which it is posted; and for this purpose “working day” means any day other than a Saturday, Sunday or a public holiday in England and Wales." My question there is really what might constitute proof? Since you say the issue of delivery is a common one I suppose that no satisfactory answer has been established or you would probably have told me.
    • I would stand your ground and go for the interest. Even if the interest is not awarded you will get the judgement and the worst that might happen is that you won't get your claim fee.  However, it is almost inevitable that you will get the interest.  It is correct that it is at the discretion of the judge but the discretion is almost always exercised in favour of the claimant in these cases.  I think you should stand your ground and don't give even the slightest penny away Another judgement against them on this issue would be very bad for them and they would be really stupid to risk it but if they did, it would cost them far more than the interest they are trying to save which they will most likely have to pay anyway
    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
    • The sign says "Parking conditions apply 24/7". Mind you, that's after a huge wall of text. The whole thing is massively confusing.  Goodness knows what you're meant to do if you spend only a fiver in Iceland or you stay a few minutes over the hour there.
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Payday Express Cancellation - Help please


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Hello All

 

I applied for a £120 loan from these people yesterday.

I had an email this morning telling me it had been sent however they'd only sent £105 as they used £15 for same day transfer.

The agreement was signed yesterday morning therefore they havent used same day transfer. Also, I didnt see anywhere it stated it would cost me another £15 (it usually comes out of the extortionate interest doesnt it?)

 

Anyway, I called them and expplained this and told them i want to cancel and was told that the cooling off period doesnt applied to me as Ive had a loan from them before??!!

 

My T&Cs say i do have the cancellation period at a rate of 0.70p per day and it doesnt mention anywhere that £15 will come off me for the transfer.

 

Does anyone know where i stand please?? I need to act quick due to the 0.70 rate of interest per day.

 

thanks

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Have you had any loans from them before (or indeed any other payday style companies that might be part of the same group) ? I suggest that you cancel the loan (distance selling regulations) and the fact that the loan you took out was £15 light without any indication that this is what you were going to receive would not stand up in court against CPUTR2008. I have copied their FAQ's for future use. Are you able to scan up a copy of the agreement ? (minus the personal details). I also suggest that you send a complaint to the OFT too.

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This is exactly what I thought, ive scoured their T&CS and cant find anything.

 

Also the man on the phone said the cancellation period (or lack of) is on their website (which I couldnt find)

 

the thing is, if i cancel now, will I lose that £15 on the transfer fee too>??? and shall i say i want to pay back their £105 immediately ??

 

ok, ill print it and try to scan the agreement up.

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ooh forgot to mention, i have had a loan or two off them before.. all paid back.

 

i have a loan outstanding with money shop (who ive noticed they are connected to) but its a seperate agreement.

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Same day service with a £15 charge (the £15 will be deducted from the amount transferred)

Two-day service with no charge

This is what I found on the application process... so I got that big wrong. However.. it didnt transfer on the same day, they sent it the day after it was approved.. and also as someone already said, it says on their website transfers within 45min (with no mention of fee)

 

hmmmm

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RESULT RESULT RESULT!!!!!!!!!!!!!!

 

I have spoken to consumer direct who basically told me whatever is in the T&Cs they have to adhere to..

 

Ok, so phoned Payyday express back.. went through the story again and was told yes i have to pay the fll amount of credit etc etc... so.. i told them ahem.. please check your own T&Cs.. i have a 14 day cooling off period and if i cancel within that time, i owe you the amount funded + 70 per day.. so off he went to his manager and came back after what seemed like ages... and agreed.. yess miss melbel, we will honour that but you cant do this again blah blah... EXCUSE ME?? do what again? i suggest you change your T&Cs i was simply following my rights! cheeky sod!

 

anyway, he then tried to take £120.05 (15 pounds of it being the same day transfer charge) when i had to correct him again, i explained, there was NO same day transfer.. and this was where it all started!! so he is only authourised to take £105.70 off me!! off he went again and spoke to his manager...

he came back and agreed to it!!

 

sorted!!

 

how annoying having to go through that stress though!!

 

They are obviiously not very confident or well trained in their T&Cs either

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Good stuff.

 

The argument that these people provide a valuable service to those who can't get finace elsewhere I think is as shallow as a puddle of flea's pee. I think they are **** loan sharks and and should be treated with utter contempt.

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Good result,

 

All OFT calls are 'routed' via Consumerdirect, apparently this is because some OFT offices were only dealing with certain issues and leaving others alone, and they all needed to have better clarity on what they have dealt with complaints wise. Quite sensible in a way.

 

Perhaps the CAB could do the same, our one is as good as a chocolate teapot... I knew more than them about who to complain to!

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  • 1 year later...
  • 1 month later...

I have to say I had a result with them, had a loan of 756 to pay off, the first girl said they would only forego 32 of the 155 interest owed, when I phoned back to pay I got pit through to a supervisor to make payment, he messed up and didn't take any interest :)) silly boy, so I emptied my account so they get sod all from me ever again.

 

Wages into new non toxic account and payday hell over and done with, never again will I use them, ill turn to prostitution first :))

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  • 1 month later...

Seems some how I've ended up on the payday express mailing list, i'm getting their emails and this morning received a flier in my post box, i can opt out of the email which i now have but there's no mention of how to opt out from their post mailings... i'm also receiving other payday orientated emails that don't have an opt out which is quite annoying.

payday loans uk

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Seems some how I've ended up on the payday express mailing list, i'm getting their emails and this morning received a flier in my post box, i can opt out of the email which i now have but there's no mention of how to opt out from their post mailings... i'm also receiving other payday orientated emails that don't have an opt out which is quite annoying.

payday loans uk

 

 

Marketing emails must have a clear optout. Failure to do so is a Breach of he privacy and electronic communications ( EC dirctive ) regulations 2003. Report to oft....

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Send them a request under the DPA that you revoke the right for them to use any information they may hold on you to be used for any purpose.

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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  • 2 months later...

I applied for a loan with payday express back in november 2012, i wasn't even accepted and yet still get emails and have even been phoned several times on my mobile by other finance companies. I've never applied for a payday loan before or since so there I must have been put on some form of list by payday express that's been sold on... so yes this goes on.

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