Jump to content


  • Tweets

  • Posts

    • Items for sale include five rare Ferraris and a pair of Air Jordan sneakers signed by Michael Jordan.View the full article
    • TECHZONE BUXTON LTD overview - Find and update company information - GOV.UK FIND-AND-UPDATE.COMPANY-INFORMATION.SERVICE.GOV.UK TECHZONE BUXTON LTD - Free company information from Companies House including registered office address, filing history, accounts, annual... thread title updated. dx
    • 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.....................................
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Payday Battle


Guest Poguesy
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4413 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Guest Poguesy

Hey :)

 

Just joined and hoping to share my experience of payday loans with other people.

 

Here is a breakdown of my payday loans and their current situation:

 

24/7 Money Box -

 

£153 owed soon but will default.

 

Cheque Centre -

 

£183.75 owed soon but will default.

 

Money Shop -

 

£312.50 originally owed but has now went up to £525 with the three months interest and late payment charge they add. The loan is now being moved to Castlebridge but i am refusing to pay £525.

 

One Month Loan -

 

£130 originally owed and now stands at £160 if i pay off within this month.

 

Payday Express -

 

£450 owed (down to £425) and now in an affordable repayment plan after weeks of arguing back and forth. No additional charges or interest added.

 

Payday UK -

 

£400 owed (down to £310) and now in an affordable repayment plan. No additional charges or interest added.

 

Txt Loan -

 

£218 owed and now in an affordable repayment plan. A little extra interest added to arrange plan.

 

Quick Quid -

 

£983 owed, with only £12 dishonour charge added, and currently trying to negotiate a repayment plan. Last letter stated the account was due to be sold on later this month.

 

Wageday Advance -

 

£450 owed (down to £330) and now in an affordable repayment plan. Additional charge of £24 to set up repayment plan but no other interest or charges.

 

Well,

 

That's my lot!

 

Yeah, i've been a bit of my idiot to get into this kind of mess but i've done my best to get it sorted out.

 

Started a new job recently, on much better wages, so i'm hopeful of having 24/7 Money Box, Cheque Centre and One Month Loan cleared by the end of the month.

 

I looked forward to sharing my experiences with you all :)

 

Poguesy.

Link to post
Share on other sites

  • Replies 114
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

I'm not sure what your asking ? (if anything of course? lol!)

but really good on you for tackling this :whoo::-)

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.”

 

:-)

Link to post
Share on other sites

hi asmilecostsnothing hope ur well ...also message above please post on here what u require and well all do what we can to help but it looks like ur in total control already so well done just make sure u cancel ur bank card and tell ur bank it:???:s lost to gain a new one and ensure ur direct debits are cancelled to all of these otherwise they will most prob raid ur bank account xxx:|

:violin::ban::lock1::bump::clock:
Link to post
Share on other sites

Hey quackquack I'm having a strong day mind you I really hope this demented happiness will get me through and hope your well too! the sun is out here in Essex so I'm smiling, hope it is where you are xx

 

I'm just thinking of the beach what with this sun and oh the payday loans companies and have this picture I wanna share for everyone dealing with these! :-) hope it lets me post and don't know why but it had sprung to mind on seeing this thread!

 

Yes it can be done and hope we're all on our way!

 

images?q=tbn:ANd9GcTaWF00VfxuhvmPKg5E_tYFkkjSKro_Pvq2ZyY26CyKzhVN3ZPY

Edited by asmilecostsnothing
.

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.”

 

:-)

Link to post
Share on other sites

Guest Poguesy
I'm not sure what your asking ? (if anything of course? lol!)

but really good on you for tackling this :whoo::-)

 

I'm just here to try and help others if i can :)

 

I know these payday vultures can make some people fall to pieces!

 

Anyone who has experience dealing with Money Shop, advice would be appreciated.

 

Going through their complaints procedure at the moment and received a reply but they are refusing to budge on the additional charges :-x

 

Currently awaiting reply from the company secretary.

Link to post
Share on other sites

Well weird how Payday Express have helped (somewhat) and Money Shop are playing daft beggers what with them being in quite close connection just seems sus (but you may also have solved something for me so thanks :-))

 

If you got a reply that is not the outcome you want - you do have a couple more avenue's if not already tried!

 

1) Take to the Financial Ombudsman

2) Try their Trade Union - which is the Consumer Finance Association

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.”

 

:-)

Link to post
Share on other sites

Guest Poguesy

Also,

 

A couple of things i would appreciate advice on.

 

I have now defaulted with 24/7 money box. I informed them off this and told them i would be happy to pay additional interest for the loan to be extended to 29th Feb (pay day).

 

Unfortunately, i had an unexpected deposit into my old account i used with these payday companies. I was expecting this to go into my new one. They took £38 and have now added a default charge to the loan along with the extra interest. They basically left me with nothing and i "politely" told them this over the phone.

 

I am now only prepared to pay the original loan amount and interest, minus the £38 they took from my account.

 

Should i stick to this?

 

And does anyone know who Quick Quid passes their loan accounts onto?

 

Gettin tired of this lot.

Link to post
Share on other sites

:-) Hey, don't give up tomorrow is a new day and keep remembering it will be so worth it in the end, tackling this face on

 

Quick Quid, I'm not sure they seem to have a few different DCA's it seems

 

247 Moneybox - their bank details can be found on this board (were recently posted only a couple of weeks ago) thanks to someone else so you can take control of payments

 

Having read the 'when payday loans go wrong book' (only wish I'd had a read months ago!:oops:) it would seem these guys are open to discussion if you persist on full & final settlement (could save yourself a whole load of hassle and money) ...especially given all the scrutiny all the PDL lenders will now potentially be faced with

 

See http://www.lovemoney.com/news/credit-cards-current-accounts-and-loans/loans/14701/oft-launches-review-into-payday-lending?source=1000452

Edited by asmilecostsnothing
add link

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.”

 

:-)

Link to post
Share on other sites

Guest Poguesy

Hey,

 

I initially tried to come to an agreement over the phone (I know) and emails but kept getting fobbed off by them. One of them even had the cheek to say how would you expect us to make any money if we offered repayment plans.

 

Went through the complaints procedure a second time, as my original complaint had been ignored, and eventually got a call off some fella from a different department.

 

He apologised, agreed to my monthly repayments and removed the extra interest and charges.

 

It takes a while with them lot but you get there in the end.

 

Oh, and i'm dealing with this on my own.

 

It's been a stressful battle but you get there in the end!

Link to post
Share on other sites

What a cheek!!

 

Thanks for your help... I am currently paying £300 a month on a Debt Management plan... I am wondering if it is better to tackle these people on my own!

 

Have you received many calls etc from then??

 

Thanks again

 

AJ2012

Link to post
Share on other sites

Guest Poguesy

I did think about a debt management plan but decided against it in the end.

 

Since we agreed to the repayment plan i don't receive any calls from them, unless a payment due has failed.

 

Just managed to come to an agreement with One Month Loan and Quick Quid for their oustanding balances.

 

Still fighting with 24/7 Money Box, as i'm refusing to pay extra charges and interest!

Link to post
Share on other sites

Guest Poguesy

Hey,

 

How much do you owe them in terms of original loan and 15-day interest?

 

I discussed a repayment plan with them through live chat and didn't have too much fuss with them.

 

They will, however, say the the minimum they can accept is £50 per month and they will expect you to pay additional charges and interest.

 

At the moment i have agreed a £25 per month repayment to clear an oustanding balance of £218

 

Original loan was for £100+£17 and i'm currently in the process of arguing against this.

 

Keep fighting and don't take any of their crap! :D

Link to post
Share on other sites

Guest Poguesy

24/7 Money Box have agreed to waive the additional charges and interest after taking that money.

 

Will now only be paying them the original loan and interest amount, minus the £38.25 they have already got for themselves.

 

Look forward to getting rid of this one on Wednesday :)

 

Also, does have anyone have a success story to share about getting Txtloan to drop their extra charges and interest?

 

I'm happy with the monthly repayment amount but struggling to get them to waive the extra fees.

Edited by Poguesy
Link to post
Share on other sites

Guest Poguesy

So,

 

I've decided i'm gonna use this thread as a kinda mini-journal on my progress.

 

Today, i managed to get Cheque Centre paid off in full and have blocked any future attempts from me to get money from them :)

 

Discussions with Txtloan have got somewhere at last and they are prepared to accept a payment of £117 to settle the loan. Going through my budget for this month, so i'm hopeful i can do it and save the £101 i would have to pay on the repayment plan.

 

I can't wait for the day i type on here that i am payday free! :D

Link to post
Share on other sites

Guest Poguesy

Quick Question:

 

I have a new repayment plan setup with Payday UK and to date i've made a few payments to them.

 

However, my verbal and written requests for confirmation of the repayment plan and oustanding balance continue to be ignored.

 

Should i keep pushing them for this?

 

Just worried they might one day say i owe more etc.

Link to post
Share on other sites

Hi Poguesy

 

Am feeling a teensy bit better after reading how well you are doing with getting repayment plans set up. I have managed to set up repayment plans with most of my creditors.

 

I currently owe almost £8000 in payday loans (am disgusted with myself I am in this situation).

 

Payday Express have completly refused my repayment plan - have been trying for 2 months now by email and phone, how did you do this? Minicredit are also refusing my repayment plan - which I have seen from some other posts is what they do with everyone so will keep on with that one.

 

I have a repayment plan with PayDay UK and am surprised they will not give you confirmation as they confirmed mine by email straight away and only get in contact if a payment is missed.

 

I too am having trouble with 247 moneybox - they send me letters and texts constantly but will not accept a repayment plan from me no matter how hard I try.

 

I have had some advice on another post I posted earlier to do with capital finance one who have cleared my account today leaving me unable to get to work, pay my rent or eat this month. Feel very stupid to be in this situation but am very scared as to how far these companies may go to get their money. I have not plucked up the courage to tell anyone about my crippling debt yet, but I live with my parents and am terrified someone will turn up at the door. They are already confused as to why I never have any money and have missed a rent payment to them already. I feel awful lying but don't know what else to do!

 

Reading your posts has helped it seems you have things a bit more under control - any help you can give me would be great. And of course any help I can offer - have had some success with repayment plans!

Link to post
Share on other sites

Guest Poguesy

Hey Elhs :)

 

Who have you been contacting at Payday Express to try and sort out a repayment plan?

 

If you haven't done so get a written complaint sent to [email protected] and be as firm as you can with them. I was constantly getting fobbed off by their collections department but a little email to that address with a few threats of my own got the job sorted!

 

I've read some of the posts about Minicredit on here so i seriously wish you look with that lot.

 

Yeah, i'm getting sick of constantly asking them for one to be sent. Probably have to make a complaint to get one sent.

 

Have you got yourself a new bank account?

 

Some say get a new account with your bank but i would leave them completely to be on the safe side.

 

I have had some advice on another post I posted earlier to do with capital finance one who have cleared my account today leaving me unable to get to work, pay my rent or eat this month. Feel very stupid to be in this situation but am very scared as to how far these companies may go to get their money. I have not plucked up the courage to tell anyone about my crippling debt yet, but I live with my parents and am terrified someone will turn up at the door. They are already confused as to why I never have any money and have missed a rent payment to them already. I feel awful lying but don't know what else to do!

 

I was like this at one point so i know how draining it can be mentally and emotionally. At least you're now making steps to get it sorted and think of the day when you'll be payday-free :)

 

Any time you need help feel free to drop me a line on this thread or through PM.

 

Poguesy

Link to post
Share on other sites

Guest Poguesy

Chaps,

 

Txtloan have agreed to accept a payment of £117 at the end of the month to settle the debt, so no extra charges or interest.

 

Another one sorted and soon to be rid of! :D

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...