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    • the company is parcelbroker.co.uk  some of the problems were caused by brexit over Christmas but there were so many problems it became a comedy of errors! I really just want my phone charges repaid. i contacted EE and they have agreed to repay £30. I think its reasonable for Parcel Broker to pay the other £50. it was never made clear when calling them that it was a premium rate number. They never rang me, I ALWAYS had to ring them..
    • I wouldn't be tipping them off about anything that could be one of a very narrow range of issues with things.
    • I am being harrangued for a debt I don't owe whilst in hardship by EDF, who was given this household's supply by OFGEM when it closed down several small companies in 2019. Unbelievably, this is happening during cold months and a full strict lockdown!   I consider that this is a crime on several counts: 1) fraud by nondisclosure, as per 2006 act: that free energy exists and that patents have been suppressed to help us use it, thus giving the illusion that energy can only be supplied by for profit companies (the same is true of water), when it is a naturally occurring, God-given free resource which has been harnessed and sold back to us, and it's hard to avoid or find alternatives 2) the energy industry is a form of modern slavery as per 2015 act, holding us in lifelong custom: something we need, can't easily find an alternative from or not use. This supplier took over without consent or knowledge or warning and will not relinquish me without paying them; but the amount grows as they continue our abusive relationship 3) as utility acts such as the 1989 and 1990 clash with inalienable natural Common Law and the Universal Declaration of Human Rights of 1948 and various other laws, some to be listed anon, that the so-called powers given to energy companies to gain money and bully are not lawful 4) removal of energy takes our rights (as in the UDHR) to eat, wash, be warm, work, communicate, and have leisure and enjoyment. Particularly, it can cut those off who rely on the internet and battery operated phones, thus making them vulnerable, and causing a snowball effect 5) cutting off, or the fear and bullying around doing so and 'recovering debts', causes mental and physical suffering, as well as great inconvenience and loss. a) These are recoupable in monetary terms of the claimant (ie customer's) choosing b) this amounts to constructive demise or manslaughter  - including attempt and conspiracy to commit this serious crime (attempt and conspiracy apply for all the others below) 6) asking for money in a way which is upsetting, intimidating or distressing is another criminal offence under the Prevention From Harassment act of 1997 - and most debt demands fulfil this, and are not incidental, but designed to cause fear in the way they are worded, in the design of the 'red, urgent' envelopes, in the vagueness of who and where the collector is, offering a generic phone number; bluffing about their powers and a warrant; coming to the door with hand delivered envelopes to embarass in front of household members and neighbours; and the way they appear at your door to actually collect or tamper with supply 7) There is Aggravated Trespass under the criminal justice and public order act of 1994, where if you have given written notice that implied access to your property (I include remotely, in the case of smart meters), to enter the premises (including outside areas) without written permission and especially with ill-intent, is a further summary, ie imprisionable offence 8) this is also exhortion and blackmail 9) it is an aggressive sales technique, no different from drugs barons and loan sharks 10) a prepayment meter is just another way of forcing debt repayment, and as the customer doesn't set the amount, if they do not have resources they are still left without power and heat 11) this is closely related to the data and surveillance and weaponised energy of 5G via smart meters, and so this is a) espionage b) mass experimentation under the Nuremburg code of 1948 c) biowarfare 12) it is also breaking and entering, if they force or pick locks 13) any physical abuse has other crimes - such as battery, grevious bodily harm, assault 14) lying or tricking to gain entry is also a crime 15) their involving your neighbours breaks confidentiality, such as asking about you, getting them to let them in. This is against their industry code and 16) during lockdowns and other restrictions related to covid, they break the coronavirus act 2020. Utility workers are only classed as keyworkers when they are keeping a supply running and safe. They are not permitted to work or travel to harass and cut off - this is especially reprehensible during an extended pandemic when so many are anxious have weakened immunity, and financial difficulties. When most of us are not meant to see loved ones, especially indoors 17) if the operatives are masked - this includes a locksmith or any enforcement with them - this heightens the offence as, despite covid guidance, it is done with criminal intent and knowingly a) makes them look sinister, thus adding to fear of the customer b) hides their identity and obfuscates justice 18) any persons involved, including administrators and the judge who created any warrant 19) to exaggerate one's legal powers is also an offence   Furthermore, utility companies send out - and sell out - debts and debt collectors who have no knowledge of the communications between the company and the customer; such as whether they are misbilled, or even the right person. I also believe that poor service, such as being ignored or bullied, means a rebate on the 'bill'.   The ombudsman have consistently exacerbated and failed to put right, and OFGEM's policies have added to this too.   We need to take the power back into our hands; to choose our energy source and provider; to harness free, safe energy.   I am putting EDF staff on notice for all these.   Has anyone else had any similar trouble for this, especially in the last year? I would like to know the extent of the problem   I am considering class action. An expression of interest in no way commits you, especially financially.   You may be interested in my piece at https://elspethr.wordpress.com/2020/08/22/expulsion-from-the-garden-its-time-we-took-our-energy-back/, via which you can get in touch  
    • No, there is no ombudsman for this kind of thing. It's a huge industry with a lack of regulation which is why it broadly speaking does what it wants without a lot of regard for customers. You haven't addressed the question which I put to you in my last post.
    • Hi - email submitted.   After some sleep (4am wake up yesterday - loooong day) I redrafted email to be a bit more readable whilst clearly stating the points above but being less aggressive/rude 😳    Being very tired I briefly considered just getting the repair and compensation (if they offered) but after some sleep and in the light of day I saw some further damage to the piping (minor, but there) on the same bit of arm so promptly hit send on my email! My sister also told me of her friend who had a whole host of problems trying to get damage on delivery fixed so I’m definitely not going down that road. I’m going for a replacement.    Will update as soon as I hear anything.   Thanks
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

Yet Another Victim Of Payday Loans


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Hi

 

Like many others. I have got into a right mess.

 

I came across this forum today and find the advice very helpful.

 

Heres my situtation: -

 

Capital One: - Owe £528 to Cougher Fincial Services(debt has been passed to these)

Quick Quid - Owe £500 (not in arreas yet been rolling over)

Wgaeday Advance - Owe £500(not in arreas yet been rolling over)

Wonga - Owe £270 (in arreas)

Minicredit - Owe £180 (not yet in arreas but will be come next week)

Moorcroft Debt Recovery - Owe £169

Lending Steam - Owe - £146

 

I have contacted national debtline for advice. they where very helpful. They advised me to first get a fresh bank account which i have done. Then write to the companys offering them a repayment plan and attached budget sheet showing them my financial situation.

 

I have completed the letters to all the companys and they are ready to send.

 

I am worried about minicredit now after reading peoples experience with them on here.

 

I have paid both Quick Quid and Wageday approx £500 each in rollovers.

 

Should I mention this to them in my letters.

 

Any advice would be greatly appreciated.

 

Thank You.

Edited by ims21
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Hi and welcome to CAG.

 

I have formatted your post so that it makes for easier reading.

 

The guys will be happy to advise as soon as they are available.

 

ims

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Hiya

 

Just to sympathise and offer you some hope before the experts come along, I've been negotiating with several of these companies this week and have agreed affordable repayment plans with 4 of them so far. After reading a lot on these forums I've felt a lot of hope and positive thinking - as soon as you say to yourself "I going to take control of this situation" you'll feel better. Don't let them bully or harrass you but face them armed with the all the information, template letters and advice on here. If you want to see the template letter I used (which I got from on here) let me know.

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I would suggest that the ones you haven't yet defaulted on that you go into your account details with them and change your work phone numbers so they cannot contact you there. if you haven't changed bank account then change your card details to a card (can be credit card) that you no longer use on a diferent bank account.

Consumer Health Forums - where you can discuss any health or relationship matters.

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:drum::humble::attention::cheer2::boxing:hello regards quick quid and wageday advance email both to tell them ur in financial difficulty and request a payment plan asap .qq./quick quid have become very helpfull just of late and ask can you have a plan over six months with them but keep all ur emails and keep all the replys from each of them for reference ,default now with them so you secure a plan dont pay them another penny until you have a plan in writing and meanwhile also do change your bank card report it as lost and get a new one so these payday lenders dont have ur account details and cancel any direct debits to them all as well and after the first day of defaulting email them again reminding them of your request for a payment plan and come back here and let us know how you get on but you do not have to send them any letters showing them your incomings and out goings just as i told you on here thats all ok good luck remember your in control stay firm and wel get you out of this mess soon xx PS I CANT HELP WITH MINI CREDIT SOMEONE WILL COME ALONG ON THAT ONE AND OTHER XX
:violin::ban::lock1::bump::clock:
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Just a quick update. I have got a new bank account, reported my card lost/stolen on my current bank account. I have sent emails to to payday loans companies and the debt recovery agents explaining my current financial difficulties, and asked for a repayment plan and to freeze interest. I will let you know as i recieve the replies.Thank you for all your help so far.

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Wonga Have emailed me back. As follows -

 

Dear XXXXX;

 

We understand that it can be difficult to juggle your finances but if you feel you can settle your outstanding balance over three months, we can arrange a repayment plan right now, by email. Breaking up the balance into three equal repayments should make the situation much more manageable. It means we will need to collect £87.85 each month, so if you can afford this then simply reply telling us which day of the month this amount can be collected from your primary debit card each month. Once we receive your email confirmation, we will be happy to freeze your balance as it stands, so please reply today if possible as this will save you any extra cost. To avoid any hiccups, please also ensure your debit card information is up to date (where we will take your payments from). If you need to discuss this or feel you may need a little longer then please contact our friendly collections team as soon as possible on 0844 842 9109 between 9am-10pm Monday - Friday and we will be happy to discuss the situation further.Kind regards,Collections Department.

 

I was hoping to able to spread my DIY debt management plan over six months. Should i reply asking wonga if they can offer me 6 month plan or would this put the offer already on the table at risk.

Edited by bobby1289
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Okay heres todays update.

 

Wonga have offered me a 3 month plan

 

Quick Quid have offerered me a 2 month plan

 

Wageday advanced said i can set up a payment plan after i have filled in their income and expediture form and sent them my bank statement. Also authorise WagedayAdvance to collect outstanding monies from any account details I have provided to them

 

Minicredit havent replied to the email i sent, but they have sent me an email saying they have added £25 for the loan being overdue and in 3 days they will add a further £55 if not paid.

 

I fear minicredit are possibly ignoring me and just slapping me with charges. Anything i can do to stop this.

 

What can i say to the other companies to get them to agree to a 6 month payment plan. Also i don't want Wageday to have my bank statement.

 

Any advice would be a great help

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hi well done on securing those plans ur on ur way to freedom soon but if the payment plans ie qq are not long enough and you cant afford them then email them again and ask for a longer plan or speak via live chat with qq but if ur happy to get rid and u can afford to pay in two months etc then go for it as ul be free of them soon .someone else will be along to answer ur other issues soon but well done ur doing fab :razz::-D

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Morning All

 

After a couple of emails to Wageday Advance this is where I am upto.

 

I told them that i would not be sending them an income and expenditure form or my bank statement, to which they replied asking how much i was prepared to offer. I have worked out that with all my other debs i can offer them £80 a month to pay of the £500 i owe.

 

They have now replied with this: -

 

Please be advised I can split your balance over 6 months at £94.52 per month. This includes a £36 set up fee. Details of which are on our website.

 

If you wish to pay a lower amount than this we will require the income and expenditure form completing

Over 6 months that would mean i pay back £579.12.

 

I am typing my email reply to them. Any advice on what i should say to them?

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Ask them why they are charging a £36 set up fee, ask for a breakdown of that charge - and inform the OFT and Trading Standards that they are being very very obstructive.

 

Tell THEM your offer is your maximum and you are unable to sustain anything further - also now inform them that you are charging THEM £12 a time for each email you send.... (worth a try, has been known to shut them up before).

 

When I dealt with WDA they really tried it on but I was able to email them hourly and phone on three mobile numbers, using different SIM cards, after one day they phoned and asked me if I was in contact with Sillygirl1 of the Consumer Action Group... I said yes, and magically they accepted my final offer! This was a few years ago now

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Ask them why they are charging a £36 set up fee, ask for a breakdown of that charge - and inform the OFT and Trading Standards that they are being very very obstructive.

 

Tell THEM your offer is your maximum and you are unable to sustain anything further - also now inform them that you are charging THEM £12 a time for each email you send.... (worth a try, has been known to shut them up before).

 

When I dealt with WDA they really tried it on but I was able to email them hourly and phone on three mobile numbers, using different SIM cards, after one day they phoned and asked me if I was in contact with Sillygirl1 of the Consumer Action Group... I said yes, and magically they accepted my final offer! This was a few years ago now

 

Haha. Good One.

 

I have said that after working out what i owe this is the maxiumum i can afford is £80 per month and that i do not think they are being fair charging me a fee when i am trying to settle this with them. Also explained that have payed well what i owe in rolling over the loan so the money they are now going to recieve is all profit.

 

No luck with minicredit yet. They just keep emailing me the automated response telling me to phone them to arrage setllement

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Not sure if this might help out, but i'm going to be speaking to a solicitor who specializes in finance and debt tomorrow. I've been a Union rep for the biggest Union in the UK for 8 years now, and with help from them, have managed to gain an appointment to speak to a specialized solicitor tomorrow morning, in order to find out the actual legal stance in regards to PDL's and what actions both sides can and can not take.

 

If anything, it should give us some form of solid ground to be basing things off, as there seem to be a lot of rumours and contradictory information flying around.

 

I'll keep you updated, as im of the mind that its better to share the information i get so everyone can benefit from it.

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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renegadeimp it would be very nice to get this info 'from the horses mouth' as I did with the bank manager about how to stop them taking money from your card - maybe you can take along a couple of the Terms and Conditions from these idiots, I would suggest this lot (Minicredit), Cash Genie and Quick Quid and see what he makes of them. Highlight the bits you think he should comment on.

 

Let us know what they sy.

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I will do. I have a couple of union members that are in similar situations to most of the people on these forums. Mainly because im a lead rep for a major factory in my area, and its not a well off area either.

 

I'll get as much info as i can, format it and post it here tomorrow evening or saturday.

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 everyone.Just like to say a big thank you for the help i have recieved so far.Heres the latest.

QuickQuid have offerred me a settlement for half the amount i owe. To be paid on 30th march.

I am able to pay this and would be glad to see the back of them.

My only worry is how to pay the amount. Should i ask for a standing order. I dont really want to give them my bank details.

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Okay thank you.I emailed them asking for a standing order.they replied saying they cannot do this. They did however offer paypal. Is paypal an okay way to deal with them.

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Bobby1289,

"They cannot do this". Why? What possible reason could they provide apart from trying to make things unnecessarily difficult for you?!

 

Hi

Here is what they said.

The acceptable payment methods used by Quick Quid are: Bank Account, Debit Card, PayPal/Credit Card, Bankers Cheque or Cashiers Cheque. Unfortunately, we do not accept standing orders, giro slips, or provide an account number that you can make cash payments into. We apologize for any inconvenience this may cause.

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Pity they have to provide it if asked. The way they are asking, it sounds like they are adamant that they will get your bank details so they can debit as and when they like.

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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Pity they have to provide it if asked. The way they are asking, it sounds like they are adamant that they will get your bank details so they can debit as and when they like.

 

That is the impression i am getting.

 

 

should i stay strong and say that i will only be paying via standing order.

Being that they have offered for me to pay only half the outstanding amount i want to get rid of this debt asap if i can.

 

I still have my old bank account. My wages arnt being payed there anymore so i was thinking of just moving the amount that they require to that account and paying it. If they were to try in the future it would be empty.

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Yep. definitley stay strong. No matter what they say, tell them that you are only paying by prepaid card or standing order. No exceptions. Tough luck to them if they refuse.

 

You could in theory use the old bank account, however some banks are doing pretty shady things, where even if there is no overdraft facility, they are putting the account into one. However, if the exact amount is in there, and you have it IN WRITING that they are only debiting a certain amount, then you will be ok. As if anything else is debited, it wont be there, and you can also file a formal complaint with OFT and FOS about them.

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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