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    • See what you think of the attached. I have to do some proofreading of an English grammar book for an Italian publisher this weekend - for money! - so I'm afraid corrections and suggestions will come in dribs & drabs.  I've totally knackered the layout, the numbering and the order of your Exhibits but there will be several versions done so don't worry about that ATM. Your arguments are superb. What is less superb is the way you jump from one to the other and back again, so I haven't changed your words, but I have moved the paragraphs around and given each section a heading. New bits are shown in red. Crossed out crossed out in black is something you've quoted from the government Code of Practice, but that has since been withdrawn so unfortunately that argument has to go. Your paras 7 & 8 don't harm your case but to me are waffle and can go.  Keeping the arguments clear & concise will always impress a judge. IMPORTANT - did you ever send Simple Simon a CPR request? Defendant's WS - version 2.pdf
    • Björn Ulvaeus appeared on stage in East Yorkshire at a conference held at the Bridlington Spa.View the full article
    • Hi Schipoo and thanks for the update. This is a brilliant result as rergards your fight with HMRC. If you can manage a Donation to the site, it would be greatly appreciated. Let us know how it goes as regards the fees being sought by Independant Tax.
    • A never ending torrent of **it Outrage as ‘tidal wave’ of sewage floods historic market town’s unique chalk river WWW.INDEPENDENT.CO.UK Exclusive: Water firm pumps sewage into river Misbourne, Amersham on 21 ‘dry days’ during nearly five month period  
    • Worth noting that all of these firms - either the alleged EIS investment, the rebate company themselves or the payee were all registered to the same address. Clavering House is 3 miles away from HMRC Benton Park view offices.   Wardrop - unfortunately unsuccessful due to late appeal - assessments opened by HMRC in March 2019. Scammed by Richard Hall (Capital allowances consultants ltd - Clavering House) investments into Cryoblast Limited 15/16 (Paul Huggins - Clavering House) and Eco Cooling solutions 16/17 (Anthony Fitches - Clavering House).    Mccuminsky - scammed by Capital Allowances after providing his details to Stefan Brown Alpha Tax Consultants (Clavering House) payment made to Eco Cooling Solutions.    Robson - scammed by Capital Allowances - 15/16 paid to Cryoblast 16/17 paid to Eco Cooling.    Myself - scammed by Allan Maxwell - MaxTax (other business Maxwell electronics) registered to Clavering House.   Cryoblast Solutions and Fast Tax - Alan O’Hara    Please note there are two Cryoblasts involved - Cryoblast limited (Paul Huggins and Clavering House) and Cryoblast Solutions Limited (Alan O’Hara also director of Fast Tax).    My return simply said “Cryoblast” another thing that should have been clarified as part of HMRC guidelines before paying out the claim.    Cryoblast limited was already suspected to be involved in fraudulent claims before my investment as Huntly had open assessments issued in November 2018.    Cryoblast Solutions, the same company director as Fast Tax where my money was sent was dissolved before my claims were submitted. 
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    • 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
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    • 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
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WONGA BANK DETAILS

 

Thanks for contacting us and letting us know that you intend to make a payment. That's great news.

 

Here are our bank details:

 

Bank name: HSBC Bank

Sort code: 40-06-09

Account no: 21544926

Your ref no: 00000000 (you need to find this out)

 

Please remember to quote your reference with all payments, which will help us process things more quickly for you.

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https://help.wonga.com/help/payments/repayment-method

 

Help Categories

All areas

Applying for a loan

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Payments

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Repaying My Loan

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Overdue Accounts

Miscellaneous

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What are my available repayment methods?

When you borrow money from us, you agree to repay your loan by a debit card. If you are looking to make payment using an alternative debit card, you can add one in the My Account section of the website and make payments at any time

 

Alternatively, you may call our automated payment line on 0207 1830063. If you do not have another debit card that you can use, then please make a cash payment directly into Wonga's bank account immediately.

 

Here are our bank details:

 

Bank name: HSBC Bank,

Sort code: 40-06-09,

Account no: 21544926

 

You must quote your full name as reference with your payment as it will help us process it faster.

 

You must then email us at [email protected] to let us know, so we can allocate the funds to your account. Please note it can take up to three working days for the payment to reach us.

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Renegade, I can't let anything default, because I fear they will take it out lump sum style. I have a joint bank account with my partner and cannot entertain closing it down and going throughball the advice of parachute accounts, "stolen" cards etc, as my partner cannot find out. I have turned these debts around quite a lot, it's just that PDE is the final hurdle.

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Why will you be in it? If ANYTHING happens to you as a result of them calling your work, you can sue the PDL for it especially once youve sent the letter stating that under no circumstances is a phone call acceptable.

 

HiThe advice on here is great. Hang in there and remember YOU are in charge not the PDL's. Seven PDL's later I have an agreement with most of them to pay small amonts that are affordable and my money is just about lasting between paydays (before it was gone on payday). You will get there. Remember not to give them any personal information and CANCEL YOUR CARD.Good Luck

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There are ways to stop a pdl taking a lump sum. You just need to be firm and unwavering when you do it. Remember if they take a lump sum its theft as you only agreed with them to debit a certain amount. You can also cancel your card and the cpa for the merchant to secure your money.

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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There are ways to stop a pdl taking a lump sum. You just need to be firm and unwavering when you do it. Remember if they take a lump sum its theft as you only agreed with them to debit a certain amount. You can also cancel your card and the cpa for the merchant to secure your money.

 

That's why I asked for a rollover whilst I bombard them with e mails reqesting a repayment plan. They agreed to the rollover, so thereby cannot 'thieve' the lump sum. I will "lose" my card however, and only give the new card details to the ones I am in a repayment plan with..

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You need to make sure the bank cancels the cpa that their merchant uses. If not, then chances are the pdl will keep raiding your account and possibly putting you into an unauthorised overdraft.

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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  • 1 month later...

Update

All PDL companies being paid.

Minicredit at last passed over to DCA Mackenzie Hall and have agreed a one off reduced payment.

Everyone else is getting monthly payments, it is hard but have paid £1000 off in 3 months.

Hoping I can afford lump sum offerings by November I should be clear before Xmas.

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With Mackenzie hall, make sure you get full written confirmation that the debt will be settled in full upon receipt of the payment, the account marked as cleared and any remainder of the debt will not be sold or passed on. You also want them to mark any entry on your credit file as fully settled, not part settled.

 

They have already had multiple investigations against them including trading standards. So if you don't have an agreement in writing with them with specific wording, then don't pay 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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  • 1 month later...
One down, five to go. 6 months into this and my 3.5k payday loan nightmare is down to £2.2k.

PDUK should be gone next month. Toothfairy will be hanging around until July next year.

Couldnt have done it without this forum.

 

Well done :)

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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