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    • I think I know the answer , but We booked our dog into boarding kennels for our holiday , starting Tuesday 16 Unfortunately about 2 weeks ago the dog picked up a parasite called giardia .this causes soft stools etc . The vet gave us the treatment and said the dog “should “ be ok in time for the boarding .A side effect of the treatment is that the dog has still has soft stools , similar the those when the parasite is present We messaged the kennel Friday , explaining the situation , also topping up the final payment , It appears the kennel did not receive the message , so we spoke yesterday ( Monday ) They were unsure as to whether the dog should be accepted . over night they massaged us and cancelled the booking , we do have a plan “B” this involves our daughter moving  back home for a week . Their T&Cs are quite tight , regarding cancelation by the client , But in this case they cancelled , have I got a hope of getting a refund , less , say , a admin charge , over £300 fees have been paid for 10 days boarding We do have "Pet Plan" Insurance Extract from T&Cs     “You agree that if you do not arrive on the start date of your booking, you will be liable for the full payment per day. You agree that should you return from holiday early and decide to collect your dog before the end of your booking, you will not be entitled to any refund of payment. In the unlikely event of illness or other circumstances resulting in a reduced stay with us, the total booking fee is still due and you will not be entitled to a refund or part refund. You agree that if you cancel giving less than 14 days notice the total fee is due. You agree that if you cancel your booking you will lose your full deposit. If you bring less dogs than are booked, you are still responsible for the balance due. “
    • The SD is dead, when  I applied to have it set aside a copy was sent to by the court to Credit Agricole the debt owner,  it was part of my appeal that Credil Limits were not authorised to make the application. Credit Limits then withdrew the application. As far as I am aware Credit Agricole did not respond. Creditl Limits came back to me ignoring the grounds of appeal see letter 15/4. They refer to statute barred, the loan was for double glazing it was not part of the mortgage so I still contend that the 5 year rule applies.   I did not contest the original French court order but before the hearing  I wrote to Credit Agricole offering to pay over a long period of time as the home in France was about to be repossessed by the mortgage bank (and it was). Credit Agricole did not reply to my letters. The original judgement had the following 'Since immediate enforcement is not a necessity, it shall not be ordered.'   See compliments slip below purported to be from Credit Agricole, undated and unsigned, this is probably in response to my appeal when I said that I had nothing from Credit Agricole suggesting that CLI were agents. I am not convinced that this is genuine, CLI have had plenty of opportunity to produce this since they were 'appointed'  in 2018!   Can CLI represent Credit Agricole here in the UK as they are debt collectors and as far as I can see are  not registered with the FSA?   Thanks again   comps.pdf letter.pdf
    • thanks fk and bank fodder, yes I know been here awhile I just needed bit advice, seems this company have a habit of taking peoples money!   I can not record phone calls so will go bank ty xx
    • https://www.identityreport.co.uk/   https://uk.trustpilot.com/review/identityreport.co.uk   Bite them hard Sandy... ^_^
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Hi everyone, I'm a new user here but I can see a lot of people in the same situation as myself. I've got myself in a right pickle with 3 payday loan companies:Payday uk I owe £437.50 Payday express I owe £400.00 and here's the biggie..Wonga I owe £850.00. Purely through my own stupidity which somehow makes the situation worse :( I haven't told anyone I know as I'm so ashamed of myself. I also know they are in no position to help me so there is no point causing them any worry. So it's great at least to have support on here!Obviously this is rinsing my wages and I'm not paying anything off! It's getting to the point where i have nothing left once I've rolled them over and paid the interest charges! It's been causing me many sleepless nights, I know a lot of you can relate to this. But I must say that all of the advice on here has been brilliant and I have just today contacted them via email to try and arrange payment plans.I have offerred each of them £100 a month, which I hope is reasonable. Well, it will have to be because I can't afford anymore! But thought I would keep you all updated, and any advice dealing directly with these companies would be gratefully received!!!!Guess now I just have to wait for their responses. I'm trying not to hope for too much. But I'm not going to give up!

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Hi there! Well done for coming here.

 

Be carefully with that offer of £100 per month. Some of the lenders may consider that as an interest or rollover payment! For the 2 smaller loans with payday express and payday uk, the £100 would cover the interest.

 

I'd certainly get a payment plan from them in writing before making those payments. I'd hate for you to think that your balances are decreasing by £100 per month only to find out that they're staying the same.

 

Work out what you can comfortably afford to pay them and get it in writing!

 

Have you followed all the advice here about cancelling bank accounts and cards?? If not, watch your account! As soon as you notify these companies of problems, they get busy trying to get their hands on your money.

 

Be prepared for a bumpy ride. There's no point in sugar coating this. I'm in the process of doing what you are about to do! Whilst it hasn't been easy - caggers have been beside me every step of the way and offered some amazing advice and support.

 

Paydayexpress will tell you that they only accept repayment plans if you're deceased (lol - a few other things, redundancy etc) just keep firm with them and offer them what you can afford. Make token payments to them whether they accept your offer or not! They can not refuse them. Try getting their bank details to set up a standing order or send them a postal order recorded delivery.

 

Please, let us know of any responses you get!

 

The general rule is, don't speak to them on the phone!! Although - some here have said they've had some luck with talking to them on the phone. I personally keep everything in writing to ensure a paper trail.

 

Good luck! Hope to speak to you soon.

 

No more sleepiness nights. I was there 6 weeks ago... I'm almost sorted now. Just paydayexpress being uncooperative!!


It never rains but it pours...

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Your doing the right thing, going into default is the best thing that can happen as some may not deal with you until payment would have been due, (though I don't mind being corrected!) can you also change your bank account as 99% of these will follow through with what they say like they will still try for payment on due date. Basic accounts are easy enough to open and can be done online today to.

 

I'm the same in that my family don't know so this is my secret so this site has been an absolute godsend :wink:

If your having problems sleeping your GP can prescibe something short term and I've found a walk in the evening/nice soak in the bath before bed helps things along, (it does get easier) I did think about writing stuff down but diary writing about the day is not really my thing - maybe being on here is the equivelent?!

 

Good luck - you are not alone and there is always hope and maybe a few glitches, but you can and will turn the corner! x


Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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Hi just

 

Welcome to CAG

 

Have you considered contacting a Credit Union to see if they can help:-

 

http://www.itv.com/daybreak/money/ph...islation-2012/

 

http://www.abcul.org/credit-unions/b...a-credit-union

 

http://www.abcul.org/media-and-research/news/view/193

 

Finding a Credit Union :- http://www.findyourcreditunion.c o.uk/home


Welcome to Consumer Action Group

 

'Challenges are what makes life interesting; overcoming them is what makes life meaningful.'

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Thanks guys that's really helpful. I will of course keep you all fully updated of what responses I get! Just been reading through lots of other threads and it just seems so hit and miss when you try and arrange payment plans. Some find it no hassle, and then others with the same company have a right battle on their hands! I am hoping for all of us that the publicity surrounding these loans lately is making them a bit more reasonable!Oh well, fingers crossed for this. Watch this space :)

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Sadly you've hit the nail on the head!

 

From personal experience

Payday UK - Great - freezes account and confirms repayment plans in writing

Wonga - Can't really comment

Payday Express - Not so good - for your own protection make sure all dealings with these are in writing and watch the figures

 

All three's bank details are on this site or can be easily obtained :wink:

 

I don't know if it's all to do with the person you get..., the amount owed..., past history..., if they have met the week/months targets does this determine their attitude..., ooohhh certainly something I'm becoming interested in, I was lucky I've tried to stay away from long term plans which is where I think the crux lies?


Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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What is most frightening to me is ho many of these companies there are, and how many people are sucked in...

 

And how many of us feel ashamed and keep it to ourselves... Reality is we are good people just trying to keep afloat, we shouldn't feel ashamed, better than resorting to crime !!

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Wonga should be ok with the £100 repayment agreement. I owed £550 and was accepted for a £30 a month repayment agreement.

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Justwannabedebtfree,

Some really good advice listed above. Wonga hopefully will be fine, found them fair and reasonable when explaining the situation. No dealings with Payday UK. Please take care with Payday Express, ensure everything is in writing. I agreed with a "Senior Manager" a repayment scheme, (stupidly over the phone), after 2 payments they started chasing the full amount. Still to be resolved some 4 months after. Ensure all in writing, keep records of all your attempts to contact them and if needs be, raise a complaint to OFT and FOS if they don't play fair.

 

Good luck, hope you get sorted.

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Ok so here is how everything has gone so far!Payday express responded just saying they will take the interest. I emailed back, no response, and they took the whole amount this month! :(No responses from PDUK or wonga.PDUK ended up taking the interest payment.This left me with not enough to cover even wongas interest payment. However, after the loan with wonga defaulted I called them today and they were really really good! I paid a £50 token payment today, and have arranged a 4 month repayment plan with them at £204.12 a month. The interest is frozen and they are confirming this in writing to me. It will be a struggle but I just want to get out of this mess, I can then work on the final one. Literally have £50 to last me the rest of this month, but I hear tesco do noodles for about 6p so at least I can eat and still afford my train fare to work!I was so impressed about how easy a payment plan was to arrange once I called wonga- i was shaking like a leaf when I phoned. If others are worried like me, just give it a try and see what they say! Maybe I was lucky but it took no negotiation on my part at all really...he originally suggested 3 months but that would have been pushing it too much; when I suggested 4 months, he instantly agreed. I imagine I could have pushed for longer, but I just want to do this as quickly as possible.But thanks so much everyone for your great advice! You don't know how much it has helped me through :)

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Get onto the OFT and complain complain complain rather than ost on here - they are NOT allowed to take the whole lot when you have come to an arrangement

 

http://www.consumerdirect.gov.uk

http://www.tradingstandards.gov.uk

 

Get your bank to reverse the charges as they have breached the contract with you.

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If Payday Express confirmed in writing they would only take interest, then took the full amount you must get a complaint off to OFT and also FOS. There's no way this outfit can be allowed to continue with these tactics.

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Best foods are value baked beans, rice (these 2 go ok together) and pasta mixed with making use of any tinned foods you may have (canned tomatoes, veggie stuff with a stock cube can go someway)

 

Change your bank account and move funds as per post 3

Sorry if I wasn't clearer but if they say they will try for payment they really do

 

FUNDS NOW PAID comes of balances - really fight you do not want to be in any roll over situation

If you have anything in writing so far you must use it to complain where needed - which is why phoning isn't a good thing unless you can record calls

 

Well done on Wonga (get that confirmed tho) and Payday Express - I take it your clear at least now their roll over trick would have cost more if any consolation..

 

x


Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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