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andrew hart/paydayoverdraft claimform - Payday Loan Problem


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I don't think he is because the postmark was from the Court. So if he is then he's been very thorough.

 

Maybe it's just a court error. I'll call them. The papers are at home so i'll bring them to work tomorrow and scan them in tomorrow for you guys.

 

Can't believe i have to wait 2.5 months with this hanging over my head!! Nightmare.

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If you were to go bankrupt, he would get whatever the administrator of the BR gave him.. if anything after all priority debts :lol:

 

He really does appear very arrogant and very stupid.

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Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

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4: Staying Calm About Debt  Read Here

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1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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http://www.consumeractiongroup.co.uk/forum/showthread.php?339665-Have-you-been-treated-badly-by-your-payday-loan-provider-The-OFT-would-like-YOUR-help.(1-Viewing)-nbsp

 

OFT are looking for examples of bad behaviour/breaches of OFT guidelines etc.. Do you want to add a summary of the way you have been treated in the above thread ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi

Maybe I have missed something but you talkabout this payday loan company as if it were an individual. Now i know that PDL's are pond life but if this is an individual he sounds more like a loan shark to me. I have read all the posts but I have the attention span of a goldfish, has he made specific threats to you that you can show i.e in writing?

If so go to the police and consumer direct (before they close).

As for money by deception he hasn't got a cat in hells chance of proving that, after all you have paid back more than you owe.

If you live in a city got to CAB, in my experience in a city they are better funded than my local branch who are more like the old dears on the wonga advert!

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Agree - this character is a bit of a one off and needs some specific investigation on an individual basis, really Trading Standards should be taking him on and OFT looking at his license. Still - he is representative of a growing sub prime market, somewhere between Shark and legit IMO

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Sorry, but in a city CAB are more likely to be staffed by A4e people who have very little life experience and very little experience in dealing with this sort of problem. My local one is hopeless... and I am 12 miles south-west of London.

 

CAB are also not the people to deal with this type of lender, the OFT, Trading Standards, Police and Ministry of Justice are.... along with the courts.

 

If this guy is found to be a 'vexatious litigant' he can be barred from bringing court claims in his name or in any company name he sets up.

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Ok point taken, maybe I was lucky In Birmingham.

The biggest problem is finding free impartial accurate appropriate advice.

This is one of the things that scares the hell out of me when consumer direct are closed

 

One last question, why he it a case of he who must not be named? we happily talk about QQ, WDA etc but are we scared of this guy?

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One last question, why he it a case of he who must not be named? we happily talk about QQ, WDA etc but are we scared of this guy?

 

Actually, at the request of one of the 'victims' and this is something everyone MUST respect IMO

Please support CAG and they will support you.

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I have approached both Trading Standards and the FO. Trading Standards refered me directly to the FO. I have submitted a complaint but my understanding is that they don't look at it until court action is concluded. But maybe that is incorrect informjation.

 

Unfortunately, the threat to send the police to my office nd have me arrested was done on the phone, but the threat was oddly also made to my case manager at Payplan. I have various emails from him of a totally unprofessional nature but nothihng that exciting. He is charging me for every email he sent me, and every month he would send me about 7 or 8, which he charges 10 quid for each. I have all of these.

 

This company is a one-man-band. It isn't like any of the other PDLs. And the reason we cant identify him is that he reads these websites and then tries to take you to court/call the police for "libel".

 

I really, really don't want to go to court becvause the whole idea is quite terrifying but unfortunatley i can't see any other option!

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Hi guys. If anyone on here has the knowledge/inclination to help me go through the T&Cs on the website to find out which bits are legal and which are not in advance of me going to court, please let me know.

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The trouble with that route Katysue is you won't be able to counter any case law they throw back at you... it has been done and failed.

 

You need to stick to YOUR defence items, make sure you know them and if they begin discussing something not on there tell the judge (politely) that this is not part of your defence and it is your defence of their false claims that you are defending - and that you have repaid the original loan.

 

Stick to that line throughout - that you have repaid the original loan and there is no case - and you should do a lot better than 'chapter and verse' terms and conditions. For example could you argue Rankine v XYZ Bank or Carey v HSBC if it was thrown into the pot... without reading the entire case yourself?

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Err, no. Thanks Sillygirl1. That totally makes sense. I think i'm probably over analysing it. I'll just show up and explain what's happened i guess.

 

Cant help worrying though, however confident i am!

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As a general question, he says in his t&cs that once judgment is obtained, he will force bankruptcy and charge 1500 for doing it. Surely no value in this? If he charges 1500 after making you bankrupt, isn't that debt null and void?! Or am i misunderstanding....

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Don't let him get your knickers in a twist - his own y-fronts are strangling his thinking area enough!

 

He can't charge you for making you bankrupt and he can't charge you after bankruptcy for the fees - that is total hogwash.

 

Basically any debt before bankruptcy is dead, and he cannot go back to the t&cs to pass another claim, complete abuse yet again of court processes.

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