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    • If you don’t want to discontinue before they pay, and they won’t pay before you discontinue: Just let the claim continue for now. You can suggest a Tomlin order (“Consent Order”), drafted at their cost, as a later way to resolve that impasse - that may make them see sense.
    • Hi Taximan   I will respond to this tomorrow at a better time - Ill have a further response for you.    
    • A few years ago I had a lot of cheque cashing loans rolled over with the Money Shop.   I only found out very recently that these are still classed as pay day loans and are therefore claimable for irresponsible lending.   I sent them the SAR which I recieved, and then the complaint.   After a bit of padding out they have sent me their 'final response', which is copied below.   Could someone please advise me how I should proceed. Many thanks   Thank you for taking the time in bringing your complaint to my attention on 04 Apr 2019 and for giving me the chance to put things right. I have now finished my investigation.   complaint Please read this part carefully as I will explain how I understand your complaint.   This is important in how I have reached my decision: We received your complaint via email on 04/04/2019. You believe that the loans were mis-sold to you by Your us. You claimed that the loan payments which you paid to us left you with too little money and that the loans were unaffordable. You claimed that you not afford these loans and after making the repayments to us, you had to borrow again to get through the next month. You claimed that we should have realised from the number of times you borrowed that your debt problems were getting worse and it was not responsible to continue to lend to you. Your lending took place between 10/03/2008 and 28/12/2012.   My Decision: We handle complaints following rules set out by the Financial Conduct Authority (FCA).   One rule is that a customer must complain within 6 years of the problem. Another rule is that if more than 6 have passed, you must complain within 3 years of knowing you could complain about the problem.   I can see that all of the loans that you are complaining about are more than 6 years old. So for me to consider these loans, I need you to tell me why you didn’t complain about these loans until now.   Next Steps: I appreciate that this may not be the response you may have been hoping for but I hope you can see how and why I have come to my decision. If you are not satisfied, you may also ask for an independent review by the Financial Ombudsman Service.   You have the right to refer your complaint to the Financial Ombudsman Service, free of charge – but you must do so within six months of the date of this letter.   If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances.   Please also see: www.financial- ombudsman.org.uk/publications/consumer-leaflet.htm A leaflet from the Financial Ombudsman Service, “Your Complaint and the Ombudsman” is available by post only; please contact us if you would like a copy to be sent to you.   If you have any queries, please do not hesitate to contact us either via telephone or email using the details below and quoting the Case Reference number above. Our telephone opening hours are from 9am to 5pm Monday to Friday. Yours faithfully,   Customer Relations Department T: 0800 280 2548 E: customerrelations@themoneyshop.co.uk The Money Shop is a trading name of Instant Cash Loans Limited. Instant Cash Loans Limited is a company registered in England and Wales, Company Number 2685515 Registered Address: 6 Bevis Marks, London EC3A 7BA Regulated by the Financial Conduct Authority in relation to credit-related activities. VAT Registration Number: 896 1022 16   *Please note that for training and security purposes, telephone calls may be recorded Letter Code - FRL  
    • Yep they are jokers.   But with a bit of stalking on linkedin and some digging i managed to find the emails of the key people who head up customer service. Needless to say i was taken care of very quickly.   Can the admin please make this a sticky for anyone else dealing with parcel2go?   n.schofield@parcel2go.com g.iveson@parcel2go.com Stephen.benson@parcel2go.com
    • Wow... made a complete hash of trying to reformat this after accidentally hitting post before I'd finished. Post above can be deleted if needed.     Then things started to become difficult     Obviously I'm not going to withdraw until I receive payment, so I completed N205A requesting Judgment on Admission and including their admission forms they sent to me. I was also mailed a copy of the companies accounts. I'm happy to upload these but I believe they are what is freely available over at Companies House.     Sent off the docs to CCMCC and expect to have the Judgment in the next few days. I'm not sure I fully accept they panicked and considered themselves out of time, because they replied to the claim a day before the forms were considered as Served by CCMCC. I think though, that rather than a discontinuance from my side on payment, to get a judgment may be beneficial to others in the future.   I'll update this as soon as I have payment or an update from the courts. I'd call this a win!
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies
MsMush

Read before signing up with BRIGHTHOUSE and if your allready with them.

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I want to share my experience and knowledge of brighthouse with the public so people can make an informed choice.

 

Firstly BRIGHTHOUSE used to be know as CRAZY GEORGES, they basically operated a very shady shall we say business, that used questionable methods of dealing with their customers,

SHOULD THEY BE UNABLE TO PAY.

 

When they decided to go mainstream the needed to re brand themselves so they became BRIGHTHOUSE, your friendly weekly payment store (so they advertise).

 

Brighhouse will bleed you dry of every penny you have, they will be ever so friendly when you enter their store, they will encourage you to take out an agreement,,

they will oversell the fact that there are no credit checks, no deposit and their big selling point easy weekly payments.

 

Well lets address each one of these,

firstly they dont do credit checks or ask for deposits because they know there customers are going to have bad credit,

that is who they TARGET, becasue if you have poor credit you have little and no options to go else where.

 

As for easy weekly payments,

they highlight this because it LOOKS so affordable compared to the REALITY of what you actually pay!

Here is an example

PAYMENTS

If you by an acer laptop from them they will highlight the £12.99 weekly payment, for some this will seem affordable and acceptable.

 

Now what they will not mention is how much you actually end up paying, as its not a great sales pitch, the pricing is on the product very small and complicated.

So here is the reality, you will end up paying £1350.96 for a laptop that should only cost around £500! thats £850 over the market value.

How do they do this,

 

well they have an APR of 29.9% as well as forcing you to take out TWO insurances on top of your weekly payment.

Now exactly why they are being allowed to do this when banks are being made to pay back PPI is any ones guess but they can and they do.

 

INSURANCE

You do not have to take out their insurances, you can refuse, but then they will refuse to sell to you simple.

 

They say one insurance is to cover THEIR product from damage, they will sell it to you that should you need a repair you can just call them up and they will fix it, sounds good?

NO, why would you need insurance on a sofa? or a table?

 

The other is to cover your payments and loss theft etc.

They do this so that that you can return the product to them should you no longer be able to pay,

win win for them because they simply sell on the product as refurbished for a fraction less than what they charge new.

But most importantly to the customer should you suffer a theft of your product or accidental damage

(they will demand you bring the product in, they will attempt to fix it or prove it wasn't accidental so you have to keep paying!) you can claim on your insurance,

however all they do is cancel the rest of your payments, no replacement for you as the customer, you pay all that money and insurance and you are left with nothing!

 

They instead will attempt to get you to take out another contract, so say you have been paying for a year, tuff luck you have nothing to show for it.

 

LATE FEES

THIS IS THE REAL DANGER OF BRIGHTHOUSE, this is where they make even more money (greedy, yes they are)

Should you have some financial difficulties and be unable to pay one week they will hit you with late fees,

they set their payment plans from a certain day so say its Wednesday to Wednesday, and if you don't pay till Thursday, your charged £3.50 per item that has gone late.

 

Now many people have a number of items with them, so it can be quite expensive but here is the real problem,

say your weekly payment is £50 and you have 4 items (this is not unrealistic for brighthouse i know of people paying much more as they are not bothered if you can afford your payments)

and you cant pay that week, so you go in the following week to rectify the issue.

 

Well they will want £114, should you not be able to afford this they will be unwilling to take a payment plan, they will not offer you any assistance, they will be hostile and demand payment.

If you cant pay the following week you will owe £178! However they will not allow this to continue for longer than a week or two,

as they will send the boys round with a van, to your home address to demand payment or they will take your goods then and there,

so say its a fridge freezer or an oven and will leave you in dire straights? tuff! and they will simply sell on the product win win for them.

 

 

IT IS SAFE TO SAY THAT THEY ARE SIMPLY LEGALISED LOAN SHARKS PRAYING ON THE VULNERABLE, THEIR SHOPS ONLY APPEAR IN POORER TOWN CENTRES AND THERE MAIN CUSTOMERS ARE ON BENEFITS/LOW INCOMES. THEY DO NOT PRACTICE RESPONSIBLE LENDING AND THEY DO NOT CARE ABOUT THERE CUSTOMERS PLIGHT IN THESE FINANCIAL TIMES.

 

Should you find yourself with brighthouse, do not allow them to get you to take out more than you can realistically afford.

Be aware that legally you do not have to have their insurance you can demand they take it off, however they will be very unwilling to do this.

Should you fall behind with payments, ask them for a REWRITE this is little known, but they do do it, they will rewrite your contract,

and put what you have fallen behind with to the end of your payments leaving you to continue to pay your normal weekly payment.

 

Again they will be very unwilling to do this, you need to give a real good excuse.

 

If they come to your door, YOU DO NOT HAVE TO ALLOW THEM IN! yes the law is on their side they are legally allowed to take the goods,

BUT THEY CANNOT FORCE THERE WAY INTO YOUR PROPERTY, THEY NEED A COURT ORDER TO DO THIS, AND GUESS WHO IS VERY UNWILLING TO GO TO COURT?

YES, YOU GUESSED IT, BRIGHT HOUSE, THEY RARELY TAKE ANYONE TO COURT AS THEY KNOW MAGISTRATES WILL SIDE WITH THE CUSTOMER ON MOST OCCASIONS.

 

My advice dont answer the door, they will call round at least once a day, they will ring you all day long, and will be most likely quite aggressive, they will state the law to you,

but it works both ways, be aware of your rights!

 

Seek legal advice from citizens advice or your local law centre, they are well aware of brighthouse and their ways and will assist you in any way they can.

 

ULTIMATELY IF YOU CANT AFFORD THE ITEM AND YOU HAVEN'T HAD IT LONG GIVE IT BACK, YOU PAY THERE INSURANCE SO THAT YOU CAN DO THIS. iF YOUR THINKING OF GOING WITH THEM DONT, YOU ARE BETTER OFF SAVING UP, THEIR COBTRACTS CAN UP TO 2-3YRS!

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I would advise anyone to read round our forums in respect of any of the BAYV companies.. BEFORE entering into an agreement with them.


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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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