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    • Do you have broadband at home? A permanent move to e.g. Sky Glass may not fit with your desire to keep your digibox,, but can you move the items you most want off the digibox? If so, Sky Glass might suit you. You might ask Sky to loan you a “puck” and provide access as an interim measure. another option might be using Sky Go, at least short term, to give you access to some of the Sky programming while awaiting the dish being sorted.
    • £85PCM to sky, what!! why are you paying so much, what did you watch on sky thats not on freeview?  
    • Between yourself and Dave you have produced a very good WS. However if you were to do a harder hitting WS it may be that VCS would be more likely to cancel prior to a hearing. The Contract . VCS [Jake Burgess?] are trying to conflate parking in a car park to driving along a road in order to defend the indefensible. It is well known that "NO Stopping " cannot form a contract as it is prohibitory. VCS know that well as they lose time and again in Court when claiming it is contractual. By mixing up parking with driving they hope to deflect from the fact trying to claim that No Stopping is contractual is tantamount to perjury. No wonder mr Burgess doesn't want to appear in Court. Conflation also disguises the fact that while parking in a car park for a period of time can be interpreted as the acceptance of the contract that is not the case while driving down a road. The Defendant was going to the airport so it is ludicrous to suggest that driving by a No Stopping  sign is tacitly accepting  the  contract -especially as no contract is even being offered. And even if a motorist did not wish to be bound by the so called contract what could they do? Forfeit their flight and still have to stop their car to turn around? Put like that the whole scenario posed by Mr Burgess that the Defendant accepted the contract by driving past the sign is absolutely absurd and indefensible. I certainly would not want to appear in Court defending that statement either. --------------------------------------------------------------------------------------------------------------------------------------------------------- I will do the contract itself later.
    • Yes - ignore. Because of another MET victim today I looked at all our MET cases back to June 2014 ... yes, 10 years. They have never dared take a motorist to court and argue their case before a judge.  They have started the odd court case, but as a means of trying to intimidate the motorist into coughing up, when the motorist defended and refused to give in it was MET who bottled it and discontinued.
    • Unpaid wages should be pretty straightforward if you did the work. Don't be intimidated. You need only show you were due money, and did not get money.   The risk is that they have no money to pay you (and legal fees) - frankly a solicitor maybe be costing them more than your claim is for and I might have expected them to make a commercial decision to settle before this point regardless of the merits of the case.
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    • We have finally managed to obtain the transcript of this case.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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multiple PDLs....


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http://www.oft.gov.uk/shared_oft/Credit/complaint-form.pdf is the form you want.

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..

 

 

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I am filling in the form now. what do i say for question 2 'did the lender explain any of the following'? - high interest, short term loan, rollover will increase loan, total cost

 

 

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It means did they tell you that you would incur this level of interest. it could be seen as right or wrong, but the oft still needs to know.

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

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It means were you informed by ANY means. Either in an email, letter, your credit agreement, on the website etc. Although legally it should have been stated on the agreement you signed.

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..

 

 

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God QQ are just stupid!!! I sent them an email stating they have to accept a plan that I can afford etc and they reply with the same £269 email over 3 months lol

 

 

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Theyre an american based company that thinks they arent bound by UK rules. Keep persisting with your proposal for a repayment plan. Remember, if they try to send it to a court ( looooong way off), you have full and complete written proof that you have tried to negotiate dozens of times.

 

Just make sure you are making continuous token payments every week/month to show any court your willingness to pay, and you arent just trying to stall it. The token payments can be anything from £1 a week month to the amount you propose to 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..

 

 

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their latest reply:

 

Customer # 3509773

We received your email regarding your loan balance and your situation has been noted. Collection procedures will continue until an acceptable payment arrangement is made.

 

Please call our Collections Department to set up a scheduled payment plan.

 

I have just stated again the amount that I can afford and that I have complained to OFT. I will be paying £50 on 30th May and will continue to do so till the debt is paid.

 

 

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Reply to them and TELL them that you are trying to make an acceptable arrangement but they are refusing to listen. They are also trying to threaten you.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?349703-Payday-Loan-Companies-and-OFT-Guidance-on-Debt-Collection(1-Viewing)-nbsp

 

Have a read of that. I've simplified it a little and it's not exhaustive. As you can see, QQ willingly break OFT guidance the majority of the time.

 

If i were you, i would get a complaint in with the PDL and OFT, pay a token amount per week/month and keep sending those repayment plan letters. Tell them that you are paying them a token amount to show willingness to repay and you arent avoidance the debt, and with each letter, make sure you state clearly the amount you have repaid to date, along with any transaction information.

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

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they have just sent the same stupid email:

 

We have received your email regarding your loan balance and your situation has been noted. Collection procedures will continue until an acceptable payment arrangement is made.

 

Please cal our collections department to set up a schedule payment plan

 

 

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Make sure you state in your letters or emails, that you will only correspond by return, and that they are breaking UK OFT regulation by telling you that you MUST phone them and they arent corresponding by other methods. Also tell them that it is your legal right under UK law to have all correspondence back and forward in full writing, should you need to provide evidence to the PDL or to a judge in a court, as well as for your own records.

 

The main thing is that you get that complaint in with as much info as you can, and every time QQ break those guidance regulations, you MUST update the complaint.

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

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LATEST email -

 

We received your email regarding your loan balance and your situation has been noted. Collection procedures will continue until an acceptable payment arrangement is made. May I suggest you seek a debt management company for assistance with your account.

 

 

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Hope you are sending all this to the OFT, as they are completely ignoring your requests for a repayment plan you can afford and threatening you with DCA's unless you agree to THEIR plan.

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

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You should be able to update your original complaint.

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

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Could always convert them into one PDF file.

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

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So far I have 11 emails with multiple replies each to send. I was thinking about copying them to a word document.

 

Couldn't they claim they have been edited though

 

think I might just open up an email and copy each into it.

 

 

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I would save them complete with all header information. This will prove that they havent been edited. They could claim they have been, but they havent yet, so lets not worry about it just yet.

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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