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    • I've just seen your new post. A letter before action is the same as a letter of claim. You don't need a template. You simply need to inform the garage that the vehicle you bought has developed X defect, Y defect, Z defect. He has already been informed of them and given an opportunity to repair and he has either refused the chance to repair or else he has attempted the repair and it has failed – whichever is the case and so under the consumer rights act you are asserting your right to reject the vehicle and you want him to make the appropriate arrangements to collect the vehicle and to refund you the purchase price – plus any associated losses – and if he does not do so within 14 days then you will sue him in the County Court and without any further notice. Don't make this threat if you're not serious about going ahead with it. On day 15 issue the papers. In the intervening 14 days register with money claim and start preparing your particulars of claim. You can post them here if you want us to check them. Whatever you do, on day 15 you send them the good news
    • Well done Shelley. I'll amend your thread title.   HB
    • I'm afraid that your story is rather overlong. It would have been easier to understand it all if there had been less of a narrative and more of a bullet pointed chronology of facts. Although you informed the dealer within 30 days that there was a problem, the Consumer Rights Act requires that there be a clear and unambiguous assertion of your short-term right to reject the vehicle. It doesn't appear to me that you have done this. This isn't a problem at all because you are still well within six months. I understand that you have given them an opportunity to repair and that you have now rejected the vehicle. This is enough to trigger your rights under the Consumer Rights Act as long as the defects which you are complaining about are sufficient to render the vehicle as less than satisfactory quality. As I say, I haven't read through the detail of your story and I certainly haven't looked at all of the PDFs that you have apparently uploaded but I get the impression that you have been quite meticulous in keeping records. I've looked at the Google reviews of Elite and I have to say it doesn't bode very well. https://www.google.com/search?q=Elite+Preowned+Vehicles&rlz=1C1CHBF_en-GBGB822GB822&oq=Elite+Preowned+Vehicles&aqs=chrome..69i57j0l2j69i60j69i61l2.575j0j7&sourceid=chrome&ie=UTF-8#lrd=0x47d8aa4f43f644d7:0x8e93221101489523,1,,,  There is no trust pilot page for them as yet. Maybe you would like to attend to that. You say that the dealer is fond of using social media so that kind of thing is important. Site team member@dx100uk has already suggested that you issue a letter of claim and that certainly seems the way to go although if you are driven to actually mount a claim and presented in court that I hope you won't mind me suggesting that you need to stop being a little bit more economical about the way you present your case. Just in case there is any debate over the defects which have been discovered and their significance then if you haven't done this already, you should make sure that you have got assessments and even quotations for the work from independent garages.
    • Hello dx100uk. Thanks for your attention and help with this. You had an even later night than me! I clicked on the 'letter before action' link which you kindly gave me. This took me to BankFodder's post 'Small Claims actions in the County Court FAQ - work in progress' which I have read through and also the 'Pre-Action Protocol' and 'Letter of Claim' links. I couldn't find reference to a Letter Before Action or is this the same as a Letter Of Claim? Also, my rejection letter already mentioned a 14 day period (taking us to 05/08/2019) for him to get back to me. Is it ok to send a Letter Before Action now? I only ask as I wouldn't want this to be viewed dimly by the court if it goes that far. I do understand that I need to take action as soon as possible so these are just a few clarification questions. I shall google for some Letter Before Action Templates and put something together. Thanks again.
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Sidney46

Re: Payday Express - Need help

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Hi, I am a newbie on the site and was wondering how you are getting on withPayday Express, as I have finally received an email on my situation with themfrom the Customer Relations Team, Just a quick update on the loans I have outso far:

Payday Express £715 (Please see below, Regional Loan was £400 + £100Interest)

Wonga £295 (Customer Relations are Investigating)

1 Month Loan £495 (Regional Loan was for £300 + £90 Interest, I have paid£105 so far and have got a settlement figure of £290 on the 27th March fromthem to close account)

Lending Stream £1795 (Not heard a thing, about 5 emails sent)

Mackenzie Hall (Quick Quid) £895 (Not heard a thing, about 5 emails sent)

Letters and emails have been sent to all of the above to be put on a paymentplan so I can finally close these accounts and never and I mean never use thesecompanies again!!!

Payday Express have said if I pay £300 in a pay plan that will settle theaccount, but I have already paid £400 in roll over fees to them, so should Ionly pay £100 pound more and that is it or should I pay the £300 in instalments?

Hope someone can help a man in need??

Many Thanks

Sid

P.S This site is great it has helped me alot already!!!

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Started new thread and deleted duplicate thread in welcome forum

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hello welcome please be patient someone will answer u soon and ul be fine hang on in there :flypig::drum::spider:


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

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hello welcome please be patient someone will answer u soon and ul be fine hang on in there :flypig::drum::spider:

 

Hi Quack,

 

Hope someone can help!!!

 

Thanks

 

Sid

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Hello,

 

Can anyone help with Wonga, they have not got back to me and I have sent about 7-8 emails, also if for example I have paid £400 in roll over fees with Payday Express (Loan £400 Interest £100) surely I can pay just the £100 pound more and close the account?

 

The loan amount is at £715 at the moment, but they will except £300 Payment plan. Now should I take this or just pay the £100 to them?

 

Hope someone can help a man in need ;-(

 

Many Thanks

 

Sid

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Just wrote to them and tell them what you can afford as repayments. Dont leave yourself short as it is considered a low priority debt.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi,

 

Thanks for the reply, have made an offer of £150 to Payday Express to close account instead of the £300 that they wanted.

 

Waiting to hear back from them, also still have not heard from MacKenzie Hall, any suggestions?

 

Hope some one can help?

 

Many Thanks

 

Sid

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Sid! Please let me know how you get on with payday express! To be perfectly honest... I'm astounded that they've agreed to settle at £300 and take the extension fees into consideration!

 

I wouldn't even like to work out how much I paid them in rollover/extension fees. I know it's somewhere in the region of 24 months x £100 on a £400 loan. And they claim I still owe £660..

 

This opens a can of worms if they are agreeing these offers for some people, yet continuing to bend others over and have their wicked way with others..

 

Please, keep us updated. I'm considering stopping payments to them and telling them to 'bring it on'


It never rains but it pours...

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Thanks Bombaymix - exactly how I've felt along while I read it that they still want £300.00 on top of any roll over fee's paid Think some of the posts are misleading (even my own would have been in the start as I didn't see their game until the last payment) Lets not forget even Mr PDL press man Steve Perry stuggled with this lot (named as 2 he was left in limbo with) Chin up lad, try not to let it rile you and remember you are doing doing the right thing - which will ultimately become your 'weapon' Your money is get backable


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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Cheers asmile!! Nice to see you still about :) hope you are well x


It never rains but it pours...

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Hello Bombaymix,

I have just had a reply from Payday Express and they are not budging on the£300 to close the account so should I just go on a payment plan with them forthe £300??

This is the breakdown of the loan:

£400 Loan

£100 Interest

£400 in Roll Over Payments

£715 still owing on the account

So instead of paying the £715 to close the account, they are letting me pay£300.

Should I pay the £300 and close the account??

Because I was reading one of the post on here and the person said that PDEwrote off the loan as a goodwill gesture.

Not sure what to do, need some help if you can?

Keep fighting the good fight!!!

Many Thanks

Sid

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by your own words Sid u have a discount with the £300 if yr meant to be paying £715 or £500

do you really believe all dat you read on the net? i wouldnt , anybody could put they've have a loan written of, one way to find out why don't u base yr complaint on this logic -on what you've seen see what they have to say? go on could be interesting a message in a public place stating this fact as right it is in one of the threads today- time to throw it at them? after all do it for one they would have to do it for everyone before it causes public outrage alone :madgrin:

Ha wish I'd thought off this before!

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Hey Sid.

 

I really don't know what to suggest.

 

As I said, PDE have had nearly 2.5k from me over 2 years in rollover/extension charges and still claim I owe them £660 on an original £400 loan.

 

They took the best part of 3 months before they'd accept a repayment plan.

 

If I thought I could use this as a valid argument against them, I'd be requesting a substantial refund!

 

I really don't know. I'd certainly be happy to not pay them another penny. I can honestly say they were the worst payday loan company for me to deal with. Rude and abrupt on the phone. Telephone harassment, unanswered emails and then accusations that I wasn't making contact.

 

I'd be reluctant to strike a deal with them unless it's totally on your terms. You never know, they may be trying to tempt you to making a £300 payment and sending the remaining balance off to a DCA. I'd put nothing past these vultures.

 

Personally, if they'd offered me ANY discount, I'd have paid it. I'm not that lucky. I'm lumbered with £660 to pay and the reminder of my stupidity on my CRA files for the next 6 years.

 

You live and learn though... Nobody forced me to apply for the loan in the first place. I've learnt a valuable lesson... Payday loans are NOT the way forward lol.

 

Hopefully some of the other guys will be along to offer some advice. And if any of them feel that I should send them a letter telling them they've had 2.5k on their £400 loan and to stick the £660 where the sun doesn't shine - any support on a approach would be most welcomed.

 

Kind regards

 

BM


It never rains but it pours...

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Hi Bombaymix,

Do not pay them any more money, trust me keep emailing them everyday tillyou get what you want!!!

You have easily paid what you needed to and more, I would even try to claimback some of these charges that you have paid.

Please Please don’t give up, keep fighting.

Payday Express have got back to me this morning and have it in writing thatI will pay £100 on the 27th March and £200 on the 27th April, also confirmedthat they will not pass on the rest of the debt to any debt collection agency.

Two down three to go!!!

1 Month Loan have agreed a one off payment of £290 on the 27th March toclose the account (Amount owed was for £495)

Just waiting to hear back from Wonga, amount owed is £295.00 (Have offeredthem £235 to close account £135 on the 6th April and £100 on the 27th April andthat should close the account).

2 Left and these are the hard ones:

Mackenzie Hall (QuickQuid) £895.00 outstanding

Waiting to hear back from them after 10 emails!!!

Lending Stream £1795.00 still have time, will not default till the 30thMarch

Also waiting to hear from them as I have sent around 10 emails as well.

All in all getting though this slowly, but thanks to this site will get themin the end!!!

Debt Free by the end of the year I hope!!!

Many Thanks

Sid

P.S If you want the email address of who to contact at Payday Express let meknow (If you are allowed to post it on here)?

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Hi Sid, You may have tried this already, but there is a Request Callback option on Mackenzie Hall's website. I've dealt with them before, and they were (as far as DCA's go) quite reasonable in terms of payment plans.Good luck with your hunt!

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Hi Daddy2Alex,

 

Thanks for that have left them details.

 

Just an update on Wonga, have got back to me with a offer of £218.77 to close the account (£295.00 owed) to be paid on the 6th April.

 

Last 2 to go:

 

MacKenzie Hall & Lending Stream, can any one help out with Lending Stream on issues with payment (Has anyone delt with these before)?

 

Cheers for all your help so far Ladies and Gentlemen (Keep up the good fight)!!!

 

Many Thanks

 

Sid

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Mackenzie hall are [problem] artists. They cant and wont do anything. Theres even an official investigation into their company.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Sid! A little bit of advice RE: Lending stream.

Are you on Facebook? If yes, join their page and kick up a chit storm on their wall. They hate confrontation in this manner and will give in straightaway to look good to their army of happy customers *_* lol.

 

I enjoy logging onto their page and seeing the most recent rants and their grovelling apologies! Very therapeutic knowing that you've questioned their business practices on their promotional page and they've dealt with it. I suppose this looks quiet good to them? A customer complaining and them bending over backwards to sort it out.

 

Regards

 

BM


It never rains but it pours...

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Hi Sid

 

Firstly well done. Can you tell me who to contact at payday express, i'm at my wits end.

 

Cheers x

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Hello MRHBK and Unhappyhamster,

 

Here is the email address I used laura.kent@paydayexpress.co.uk, hope this helps you get a better deal.

 

Thanks Bombaymix will complain like hell on their facebook page ;-)

 

Will let you know any other news in due course.

 

Keeping fighting your way to a better deal, you can all do it (as I did).

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Thanks Sid and you're welcome. If we stand united, hopefully our voices will be heard.

 

I've got a feeling that Miss/Mrs Kent is going to arrive at work to a full inbox lol!


It never rains but it pours...

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Lauras the woman i dealt with also. She takes a while to reply but does seem to have a bit of clout as she at least trys to help.

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Thanks guys. I obviously don't have the magic touch. Tried that contact option with no joy at all. They are treating me appallingly and i'm actually crying as i type this. I feel such a bad person xxx

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Thanks guys. I obviously don't have the magic touch. Tried that contact option with no joy at all. They are treating me appallingly and i'm actually crying as i type this. I feel such a bad person xxx

 

Payday are notorious when it comes to replying and/or acknowleding anything you send their way unless it involves £ signs. It's been two months and they still haven't acknowledged my DMC while all the time continuing to try and charge my card.

 

Keep at it, I think PDE have a 1 business day turn around (worth checking that on their website) when it comes to dealing with complaints. If you don't get a reply, just send it again. Might also be worth having a look round to see if there are any other email addresses you can send to. If necessary, send your correspondence to every email address you can find.

 

Also, might be worth thinking about the old fashioned letter. Make sure you send it by recorded delivery so you've got it for your records.

 

Remember to keep a record of EVERYTHING you send, and avoid telephone calls at all times.

 

I know it's difficult, but keep your head up, you're in control here, not them!

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