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    • They didn't turn up because they knew they would lose so they saved the cost of sending a brief saving them a couple of hundred pounds at least. But still a big relief for you now that it's all over . So congratulations plus you can enjoy your trip that much more. 
    • I will try again...................... Even at my age there is quite clearly a PCN envelope by the windscreen wipers on your car on some of the photos.  But as I said in the IPC letter, that is not the dispute. The dispute is that CPM sent you the second PCN on the 28 th day of the issue date of the first PCN. It should not have been sent until the day AFTER the original PCN was issued. Therefore they broke the Act, they breached the IPC Code of Conduct and their agreement with the DVLA. It is something that the IPC cannot ignore since to do so will bring the ICO down on them and the DVLA should ban CPM from getting data from them once they know if the ICO do nothing. The minimum I expect is that your PCN will be cancelled. But it is up to you. I have given you the details, you have copies of both PCNs sent to you on the sar  with all  the relevant dates. 
    • Apply for an HM Armed Forces Veteran Card   An HM Armed Forces Veteran Card is a way to prove that you served in the UK armed forces. The card can make it quicker and easier to apply for support as a veteran. It’s free to apply. You can currently only apply for a Veteran Card if you have a UK address. Veterans who do not have a UK address will be able to apply later this year. READ MORE HERE: Apply for an HM Armed Forces Veteran Card - GOV.UK WWW.GOV.UK Apply for an armed forces veteran card to prove that you served in the UK armed forces.
    • The Private Parking Code of Parking has been postponed as the poor dears are frightened that thew will all go out of business once it becomes Law. We all wish but nothing could be further from the truth so doubtless most of them will have to change their ways if they don't want to be removed as approved parking companies. Thank you for still retaining and producing the original PCN which, no surprise, fails to comply with the Protection of Freedoms Act 2012 Schedule 4. [It even states the vehicle "breeched" the terms  when it was the driver that allegedly breached the terms}. It fails to specify the Parking Period and whilst it does show the arrival and departure ANPR times on the photographs [that I cannot read] they do not include how long you actually parked nor was it specified on the Notice  [photos don't count]. So that means that you spent even less time parked though it would help had you not blocked out the dates and times, so good if you could please include them on your next  post. Pofa  asks the driver to pay the charge S( [2][b] which your PCN doesn't though they do ask the keeper to pay.and they have missed out theses words in parentheses S9[2][f] ii)  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; All of those errors mean that the cannot transfer the charge from the driver to the keeper. Only the driver is now responsible . What a rubbish Claim Form -doesn't even give the date of the event which it should.  
    • it doesn't matter what you are being charged or if you missed the discount period. you ain't paying anyway..... if this ever gets before a judge. then the ins and out of POFA2012 or any IPC/BPA guidelines might come into play. until then i go get on with your life. you are spending far too much time on a speculative invoice scan scheme  its almost as if you believe these are fines and enforceable in a criminal court and you could have bailiffs at your door any minute.    
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Wonga Repayment Plan


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Hi everyone, I have a £900 loan outstanding with Wonga, it's due tomorrow (25th april) but will bounce as I don't have the funds to pay it, I have emailed them and the assesment team have emailed me back with an incme/expenditure form to fill ot and they will assess me from that, shall i fill it in?or is it none of their business? :???: Silly situation to get into but I'm determined to dig my way out.

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Dont fill it in. They have no right to know any of it. All they need to know is what you xan afford. Thats 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

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Thanks :) so what should my reply be?This seems to be an automated email, I have sent one to Errol Damelin and had no reply :( It was due out today but bounced, I desperately want to get in touch with them before £££££'s of interest is added.

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Don;t worry about interest. Just keep sending those letters/emails. It's on them to reply, not for you to chase them around. As long as you keep contacting their official contact addresses regularly with requests for a plan, or with your proposal, you'll be fine. All you need to show a court (if it ever goes that far) is that you acknowledge that you couldnt make teh original repayments, but tried your hardest to come to an arrangement for another, but the PDL refused or ignored your requests.

 

Any amounts added on after your requests, or after they ignore your requests, can be deemed unfair and wiped if you have the paper trail to prove 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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Just ring them and tell them you are struggling, ask them to free the interest and spread the costs.

 

I did this on a £400 loan and they really helped me out !

 

I keep promising I will pay the full amount on a specific date, just before I ring and say sorry cant pay in full ill pay you £50 and then the rest next payday, then do the same again next payday.

 

Never had a problem so far ! Just ring, blag them with some story and basically "ask for they help" always worked for me !

 

I got HSBC to clear the arrers of £250 and reset my monthly amount yesterday just by blagging them !

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Thanks again Jo for pointing me here, such a brilliant forum!!

 

Sarah how did you get HSBC to clear the money taken from you?I have also been advised NOT to ring?Aaaaah I dunno what to do, still haven't replied to my emails so will keep emailing daily until they do?

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Yes. Just keep emailing. You are clearly trying to contact them, but they are refusing to take notice. That isn't YOUR problem it's THEIRS.

 

If you ring them, they can and will say anything to you just to get your details, then they will deny there was ever an agreement in place and say you authorised the full amount to be debited or do a 180 on what they said.

 

There are plenty of reports of people calling them and agreeing a repayment plan of, say, £10 a week, only to find that the PDL ( Minicredit and CFO especially) taking the the entire amount on the first repayment date or debiting the account multiple times until they cant take any more. Then trying to charge you £5 a time for each transaction they made.

 

It's one of the main reasons this site asks all people in debt to only deal with their creditors in writing. This way, you have full and complete proof of what the creditor has said, and they cannot form any defence against it, either to you or to a judge in a court.

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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Thanks hun, the problem I have is as I have had to take all money I had spare from my account direct debits are gunna start and bounce soon :( causing bank charges, need to get another one opened ASAP i think.

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Contact your creditors and ask them not to process the DD's for now due to problems with your bank account. Tell them that you will pay the debit by another method so the payment is not missed. Ideally you should do this a few days before the DD is processed. This will give you some breathing room at least.

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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Will do, thanks :). Your advice is fab, I have read a few of your posts, keep up the good work, it's very much appreciated!!I will keep you updated, I am hoping for a reply tomorrow, I have offered them a fair settlement so I can't understand why they haven't replied yet.

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I rang them :( I was getting nervous and they were putting fees on already!!!They said they will email details and set up a plan over 12 months, do you think this will be ok?If I have it in writing?I'm still going to change my bank account anyway so they wont be able to get more than the set amount off me each month as thats all that will be in that account on the payment date.

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Wait for the email. However, even if you are nervous, never call them by phone. The fees can be wiped off by a judge if theyre unfair. You're just lucky that wonga is one of the PDL's that take personal circumstances into account, although they are definitley not infallible.

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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Ok, I have had the email with the confirmation of what I agreed on the phone, do you think they will continue to try and take money from this account even though I have an arrangement set up?

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If they do, then you can complain to the OFT/FOS and also the possibility of the police as theyve technically stolen from you.

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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Fingers crossed they don't and I'm on track to getting out of this payday hell :) Thanks for all your advice everyone, hopefully i wont be posting back here to say they have gone on their word!!

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If you have good experiences as well, make sure to post back and let us know. People visiting this site can use it as incentive and encouragement.

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 Laura,

 

NOW - Today

 

Using Online banking canx all direct debits TODAY - your creditors will understand. Move your balance and indeed any overdraft facility to another account (maybe a linked savings account) this will prevent them using the card details over the weekend. You could alternatively withdraw cash . Report your debit card as lost.

 

Monday or online- open another account with another bank - just a basic one. Arrange to have your salary paid in here.

 

Write a letter to your current bank revoking the Continuous Payment Authority to the PDL, and instruct them NOT to pay any DD if the PDL

holds your sort code and account number.

 

These will give you time i) to sort out a payment plan, what YOU can afford

ii) prevent the pdl from taking without consent - it is so much harder to reclaim the moneys than to prevent them taking it.

 

Move the cash you had moved today to the new bank account, and make debit card payments for the missed DD due to you cancelling the DD authority.

Please do this as not to get further into debt.

 

I wish you all the best and good luck

 

N

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HiJust to let you know, I came to an arrangement with wonga to pay £10 per month by Bank Standing Order--You are then in control. They Review it every 6 months but I just tell them my circumstances havent changed, Hope this helps, Kind Regards

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  • 2 weeks later...

hi, i got a loan about 2 weeks ago from wonga for 50 pound and i extended my loan date till the 23rd of may, im just wondering if i payed it back tomorrow will they let me get another one tomorrow? thanks.

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Why would you even consider getting a payday loan in the first place, let alone a second one that you had problems repaying? However, we cant answer your question here as only wonga can tell you if theyre willing to give you more money.

 

Find out about your local credit union and see what they say. They are much, much cheaper than getting a loan from a legal loan shark.

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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