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    • If your driving licence had your old address on I assume you never updated the address on your V5C?  It's the Registered Keeper address on the V5C that is normally used for parking notices.  The police officer may have told you that two notices would be sent out, one to each address, but personally, I would never rely on that.  The V5C address of the registered keeper is the address that is important, and must be kept up to date.  (Failure to do so is an offence in itself).   Did you get your mail re-directed by Royal Mail from your old address to the new one?   If you've only just found out about the conviction, I believe you can swear a "Statutory Declaration" and the effect of this will be to re-set the whole process, allowing you to pay just the original fine.  I think you have 21 days to do this from the date of finding out about the conviction.  You can arrange to do this at court or at a solictor's or notary's office.  They will charge a fee.   Others here know more than me about the process.   (PS - just a thought, it is your car and you are the registered keeper?  Not a lease or company car?)   [EDIT: mis-read the original post, I see you had changed your DL address but you had your old DL with you(?).   Had you changed the V5C address too?  Check the physical bit of paper to make sure.]
    • Okay. The first thing you have to realise is that the insurer is in conflict with you in suffer as your interests are concerned. They want to save money and rip you off. You want to get properly compensated for all of your losses. He say the value of the car is approximately £4000. Is this the value that you have given it? Is this the value the insurer has given it? You need to be doing some proper research to find out the cost of a replacement vehicle. The purchase price to you – not a trade price. You can be certain that Admiral will attempt to fob you off with some kind of trade price. How have they informed you that it is a write off? You must take control of this and the first thing you should do is that you should write to them and asked them for the basis of their write off assessment and copies of any evaluations of the damage and assessments of repair costs. At the very least you must make them realise that you won't simply be accepting what they say. Secondly, if you say that you have been injured then have you been to the doctor? If not, then why not? You should have gone to the doctor immediately and get a proper examination with a view eventually to getting a report. If you haven't been to a doctor then do it now. I don't understand that the insurer is only providing you £100 to cover injury. This seems to be a very unlikely situation. Is it not possible that you have misinterpreted the situation and that the hundred pounds is intended to cover immediate expenses of some sort?
    • They will be unlikely to take you to court, they're simply yanking your chain because you keep writing to them. They know you're scared.   As above send them a CCA request, if you're going to send them anything at least make it a legal request for a document.   Otherwise simply ignore them, unless you're confident then keep baiting them.   And the likelihood of these clowns obtaining a CCJ is even more remote, especially as you're already paying them.
    • Don't lose the email!   Did it mention overtime?   Are you happy with the job otherwise?  As Bankfodder says you may not want to rock the boat until you've been employed for two years and you get better employment rights.
    • Depending what was in the email - that could be your offer of employment. 
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clairlouise

safeloans nightmare

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Hi

This is my first thread so i hope im doing this right. I need some advice.

 

I borrowed £200.00 from safeloans on 25 February 2012, i had to pay back £250.00 on 25 March 2012, but i couldnt so I contacted them, apologised and promised to pay the amount borrowed back on 25 April 2012. I was bombarded with emails and texts messages telling me I was in default, which according to them is standard procedure even if you have contacted them.

 

As promised I paid £250.00 being the amount borrowed and one months interest on 25 April which they have received. They are trying to get a further £158.00 from me which is £30.00 broken arrangement fee, £12.00 late payment fee and the rest is daily interest.

 

Where do I stand? I am prepared to pay the £30.00 broken arrangement fee, because I borrowed and was 1 month late paying it back. They have offered me a plan to clear the rest of it off, but its there extra charges. Im not sure what to do.

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Send them the phonecall harassment letter from the library on this site. If they break it then they are risking a heavy fine from OFCOM. Tell them that you have already paid the loan plus interest. Theyd be hard pressed to explain the other charges in court, especially the daily interest amounts. They could make an argument for the late payment/default, but definitley not a "broken arrangement" fee, whatever the hell that is, plus the interest.

  • Confused 1

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 i will do that - I really feel like I have to stick to my guns, yes I borrowed, yes I was 1 month late paying it back but I did plus 1 mths interest

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Don't worry about it. PDL's are well known for trying to take more than they are legally entitled to.


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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Talk about ping pong email - this is the latest email I had today: They dont aknowledge what you have already paid or even come to a compromise.

 

PLEASE RESPOND TO THIS EMAIL URGENTLY.

 

Thank you for your email.

Please advise we are not charging you interest on interest. When you agreed to the loans term and conditions it advise you of your payment plan which you set up you self.

Which the system advise you of how much interest you would be charged as long as the payment was made on the day you agreed on.

In this scenario you have DEFAULTED on your loan which mean you will received fees on your account as well as daily interest after the date you agreed to pay on.

Please go on our Website and please read the TERMS&CONDITIONS.

This will explain all that you need to know of daily interest and fees on the account as you agreed to the terms and conditions.

 

 

Regards

Safeloans Ltd

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Thats safeloans for you. Send the other email right back 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..

 

 

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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Tell them that just because it is in the terms and conditions it does not make it legal, fair nor right.

 

If this went to court the fact that you contacted them, they refused and then you repaid the original loan and interest in full unprompted by them would be a good defence.

 

They are on a sticky wicket here.

 

Try and contact Croydon Trading Standards about them with a complaint tell them you have repaid the loan and interest and they still want more.

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send them an email explaining you are in financial difficulty and will pay them £5 per mth and to contact you by email only with their details

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Chillover, I think you need to read the thread properly, the original poster has repaid the loan and interest, albeit late and should not be harrassed by this bunch.

 

A complaint to the OFT and Trading Standards is in order as the company are clearly trying to unjustly enrich themselves. Just because it is in the terms and conditions does not mean it is legally enforceable in a court of law.

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Thank you for for the advice guys, Im on to the trading standards and OFT this week to get this sorted.its refreshing the advice on here has given me motivation and reassurance so thanks

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Make sure you make it absolutely clear to them that you have already paid off the loan in full but even so they added charges to a fulfilled debt and are chasing you for money that you clearly do not owe 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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