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    • next time dont upload 19 single page pdfs use the sites listed on upload to merge them into one multipage pdf.. we aint got all day to download load single page files 2024-01-15 DBCLegal SAR.pdf
    • If you have not kept the original PCN you can always send an SAR to Excel and they have to send you all the info they have on you within a month. failure to do so can lead to you being able to sue them for their failure.......................................nice irony.
    • Thank you and well done  for posting up all those notices it must have have taken you ages.. The entrance sign is very helpful since the headline states                    FREE PARKING FOR CUSTOMERS ONLY in capitals with not time limit mentioned. Underneath and not in capitals they then give the actual times of parking which would not be possible to read when driving into the car park unless you actually stopped and read them. Very unlikely especially arriving at 5.30 pm with possibly other cars behind. On top of that the Notice goes on to say that the terms and conditions are inside the car park so the entrance sign cannot offer a contract it is merely an offer to treat. Inside the car park the signs are mostly too high up and the font size too small to be able to read much of their signs. DCBL have not shown a single sign that can be read on their SAR. Although as they show photographs which were taken the year after your alleged breach we do not know what the signs were when you were there. For instance the new signs showed the charge was then £100 whereas your PCN was for £85. Who knows, when you were there perhaps the time was for 3 hours. They were asked to produce  planning permission which would have been necessary for the ANPR cameras alone and didn't do so. Nor did they provide a copy of the contract-DCBL  "deeming them disproportionate or not relevant to the substantive issues in the dispute" How arrogant and untruthful is that? The contract and planning permission could be vital to having the claim thrown out. I can find no trace of planning permission for the signs nor the cameras on Tonbridge Council planning portal. and the contract of course is highly relevant since some contracts advise the parking rouges that they cannot take motorists to Court. I understand that Europarks are now running that car park which means that nexus didn't  last long before being thrown out.....................................
    • Hi,   I am not sure if I posted this already here but I don't think I did. I attach a judgement that raises very interesting points IMO. Essentially EVRi did their usual non attendance that we normally see, however the judge (for the first time I've seen in these threads) dismissed the notice and awarded me judgement by default because their notice misses the "confirmation of compliance" paragraph. in and out in 3 minutes (aside from the chat at the end with the judge about his problems with evri) Redacted - evri CPR loss.pdf
    • Just to update this. I did apply to strikeout and they did not attend the hearing. I won by defualt and the hearing lasted 5 minutes (court only allocated 15). The judge simply explained that the only matter he was really considering is if the Defendant could have any oral evidence to defend the claim. However he said he had decided that based on their defence, and their misunderstanding of law, and their non attendence he did not think they had any reasonsable chance so he awarded me SJ + Costs on the claim form + the strikeout fee. Luckily when I sent the defendant the order I woke up the next day to a wire trasnfer for the full sum of the judgement
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Quick Quid Help


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Hiya

 

I have a payday loan with quick quid, and due to being off sick from work being pregnant I am unable to pay it back in one go.

 

I have reported my card as stolen and the bank have assured me no one will be able to take money from it using my old card number. I have also checked my Direct Debits and there isnt one set up with QQ. But I will continue to check this and cancel it if one does get set up.

 

I want to make sure they are not able to take random money from my account? Have I done enough to ensure this?

 

I am not trying to not pay them back I just want to pay them back in smaller amounts?

 

Can anyone help? (My loan hasnt defaulted yet its not due for another week)

 

Thanks

A

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I'm not sure if you have done enough to protect your money.

 

The general opinion here is to open a completely new bank account!! I've read recently that people have 'lost' their debit cards, had new cards and pdl companies have still managed to get in through the back door and rinse people's accounts.

 

The banks will fob you off after with 'you gave authorisation there's nothing we can do'

 

In my opinion, I'd immediately have your wages/income diverted into a brand new account. Plenty of basic accounts out there including co op, Halifax and post office.

 

Better to be safe than sorry!

 

Hope the pregnancy is going well xx

It never rains but it pours...

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I would really rather not open another bank account if I didnt have too, as I really like Natwest and Its taken me a while to build up a good trust and credit rating with them. Is there anyway I can withdraw their authority to take any money from my bank account?

 

And the pregnancy is going well apart from bubba making me poorly lol

 

Thanks :-)

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Hmmm, I'm not sure. Natwest have featured in a few posts recently.

 

What about a little break from natwest then? Do you have an overdraft with them?

 

(unrelated to payday loans) but both my mum and fiancée have had problems with natwest authorising payments when they were requested not to. Fiancée was stung with nearly £300 worth of charges for going a couple of quid overdrawn... Although, credit to branch manager (I think) they wrote off 75% off the charges. Still weren't happy with paying £70, again, if only I'd have found cag sooner lol.

 

Maybe a chat with branch manager?

 

Tell him in NO circumstances to authorise ANY payments to QQ!

 

I'm still a bit fearful that this might come back and bite you in the bum though.

 

Just keep checking and checking the account. (you have online banking?)

 

Sorry to worry you, just heard so many horror story's! Xx

It never rains but it pours...

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My credit rating sucks big time at the minute I dont think getting a second account is ever gonna happen =/

 

I have a second account with Natwest which I can transfer any spare money I have into, I just cant set up Direct Debits on it. So maybe for the moment, only leave the money in my account needed to pay any bills I have coming out the next day... and other than that put all "spare" money into my other account?

 

xx

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Here is the bible for Halifax Easycash

 

http://www.halifax.co.uk/bankaccounts/pdf/easycash-guide.pdf

 

Acceptance Criteria:

Have had financial difficulties

in the past and been refused a

current account.

xx

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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I've just read throughally the terms and conditions of the quick quid loan.. and it says this..

 

"

DEBIT AUTHORISATION: You hereby voluntarily authorise us to debit your nominated bank or building society account ("your Bank Account") or Debit Card for any amount that is payable by you under this Loan Agreement, including the Loan Amount, Finance Charges and any other fees that you incur ("Debit Authority").

We will debit repayments on each Payment Date to your Bank Account or Direct Card in accordance with the Debit Authority given by you above. If a payment is dishonoured or otherwise missed for any reason, you agree to pay us the Late Fee, which we may collect by Direct Debit to Your Bank Account or debit to your Debit Card in accordance with your Payment Selection.

You authorise us to verify all of the information that you have provided, including past and/or current information. If there is any missing or erroneous information in or with your loan application regarding Your Bank Account or Debit Card details then you authorise us to verify and correct such information. If we are unable to correct the information, you acknowledge that this may delay the payment of the Loan Amount to you. You agree to assist us to correct information by providing us with such information as we may reasonably require.

We will give you a notice if you or we make any changes to the debit arrangements under this Loan Agreement ("Advance Notice"). If you have elected to pay by Direct Debit, you and we agree that the period of Advance Notice that we will provide to you is 3 Business Days.

The Debit Authority given by you for the purposes of this Loan Agreement is to remain in full force and effect until your obligations to us under this Loan Agreement are fully satisfied.

If a debit is returned unpaid or dishonoured for any reason when it is first presented by us for payment, we may re-present the debit for payment to Your Bank Account or your Debit Card by presenting two separate debits for the total amount that is payable by you. We may do this on more than one occasion. If we are required to do so under any applicable law or other legal requirement, we will provide you with advance notice before we re-present for payment a previously returned or dishonoured debit.

LATE FEE: You will owe the late fee referenced in Section 4(a) of your loan agreement if

 

  • a repayment is dishonoured on a Payment Date, or
  • prior to your Payment Date, you cancel your Debit Authority by cancelling your Debit Card or your direct debit authorisation under the terms of the direct debit guarantee and you fail to make alternative repayment arrangements with us by the end of the day on a scheduled payment date."

Now to me the bottom that says that if I cancel my Debit Card I am cancelling the Debit Authority I gave them. Which means that once cancelled they do not have the right to take money from the card?

Would this be right?

Thanks.. xx

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ur welcome i had a loan with them and dfaulted and cancelled my dd and card and there is no other way they could take my money ,they did raid my account before i defaulted thru no fault of my own they didnt honour the roll over extension so after i defaulted nothing came out and my bank assured me nothing would and they kept there word so u will be ok:-x:|

:violin::ban::lock1::bump::clock:
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