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    • is the home in joint names but this is solely your debt? need far more history to be able to comment if it's paid off and was not just written of by one partly on their books and sold to anther, thus the cra file says £0. dx
    • So, Sunak has managed to get someone to 'volunteer to go to Rwanda hasn't he? .. for just £3000 payment to the person plus 5 years free board and lodging isnt it? - cost to UK taxpayer over £300M+ (300 million quid+) isnt it? - Bargain says Rwanda, especially with all the profit we made privately selling those luxury chalets Bravermann advertised for us   I wonder how many brits would jump at that offer? Thousands? Hundreds of thousands? Lets see, up to 5 years free board and lodging and £3k in my pocket .. I'd go - and like that person - just come back if/when I get bored. First job - off to Botswana for a week to see the elephants.   Of course the paid volunteers going to Botswana are meaningless - Rwanda have REPEATEDLY said they wont take any forcibly trafficked people in breach of international law eh? Have the poops actually got any civil servants to agree to go yet - probably end up as more massive payments to VIPal contractors to go and sit there doing nowt shortly eh?    
    • Hi Wondered if I could get a little advise please. I entered into a commercial lease (3 years) and within a few months I had to leave as the business I was trading with collapsed. I returned the keys to the landlord and explained the situation and no money, also likely to go on benefits but the landlord stuck to their guns. They have now instructed solicitors to send letter before action claiming just over £4000. The lease was mine and so the debt. I know this. I have emailed the solicitors twice to explain I am out of work and that with help from family I could offer a full and final settlement figure of £1500 or £10pw. This was countered by them with an offer to reduce the debt by £400, or pay off the amount over 12 months. I went back with an improved full and final offer of £2500 or £20pw. This has been rejected with the comment 'papers ready to go to court'. I have no hope of paying the £4000 and so it will have to go to court. Pity as I have no debts otherwise but not working is a killer. I wondered if they take me to court, could I ask for mediation? I also think that taking me to court will result in a pretty much nothing per week payment from my benefits. Are companies just pushing ahead with action even if a better offer is on the table? Thanks for your help.
    • Hi all, Many thanks for the advice! Unfortunately, the reply to the email was as expected…   Starbucks UK Customer Care <[email protected]> Hi xxxxxx, We are sorry to read you received a parking charge after using our Stansted Airport - A120 DT store. Unfortunately, the car park here is managed by MET parking. Both Starbucks and EuroGarages who own and operate this site are not able to help and have no authority to overturn any parking charges received. If you have followed the below terms then you would need to send all correspondence to [email protected], who will be able to assist you further. Several signs around the car park clarify the below terms and conditions: • Maximum stay 60 minutes, whilst the store is open. If the store is closed, pay to park applies. • The car park is for Starbucks customers only who make a purchase in our store, a charge will be issued if you left the site. • If you had made a purchase and required additional time, you must have inputted your registration number into the in store iPad which would have extended your stay up to 3 hours • To park in a disabled bay, you must have displayed a valid disabled badge. • If Starbucks was closed, you must have paid for parking as charges still apply, following signage located on site. • If you didn’t use the store, you must have paid for parking, following signage located on site Please ensure all further correspondence is directed to MET parking at the above email address, and accept our apologies that we cannot help you further on this matter.  Kind Regards,  Lora K  Customer Care Team Leader Starbucks Coffee Company, Building 4 Chiswick Park, London, W4 5YE
    • Thanks HB edited and re-uploaded. Thanks for the heads up 👍
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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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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

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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 ?

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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.

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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

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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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