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    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. Anyway I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
    • The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
    • No apology needed, thank you for what you do I am glad to hear they paid. well done on getting back what is yours
    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
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Flm quick loans repayment hardship!


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I have a loan with FLM QUICK it's not much but now after 9years in a job I am unemployed.

I can't afford to repay the loan and I also have a guarantor who is also unemployed and simply can't afford to pay my loan back.

What can I do in this situation?

Also I have been paying and the balance has no gone any where as when I've missed payment the charge is go high your back to square one.

I at the moment am not in arrears I am upto date with my patents but the total is the same as it was when I took the loan out.

Any suggestions please.

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Tell them you will pay £1 a month until you are back at work. That is the max any court would make you pay as you are unemployed. Depending on your savings, it could even be less or nothing at all.

 

The pdl must also stop charges and interest accruing on the account.

 

 

Again. Tell them £1 a month. Non negotiable.

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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Talk to NDL and get their advice. Alas there is noting enshrined in law to say they must stop interest and charges however there maybe something in the contract. Also in the OFT guidelines there is a statement that they must treat a debtor in difficulty with forebearance.If it was me, I would write ASKING them to freeze interest and charges and offering a token payment. If they refuse, make a formal complaint, if they still refuse go to the Fos.The oft guidelines you need is OFT664 rev which is http://forums.moneysavingexpert.com/showpost.php?p=53600973 collection

 

No need to get advice, although it would ease the OP's mind. If you are unemployed or have no income/savings, or on state benefits, then the max you will be told to pay by a court is £1 monthly. . Most courts will say to withold payments until a certain date, or pay 50p/£1 a month when you will be called to the court again, so they can reassess your finances.

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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Hmm.

 

Application / Licence Details

Licence Number:

0561736

 

Licence Status:

Current

 

Current Applicant / Licensee:

Business Name Company Registration Number

Haymarket Lending Limited 5231346

 

Public Notices:

Stage Date Document Link Event Number Notes

Favourable Determination 16/11/2009 6

Requirements Imposed 16/11/2009 6

Minded to Impose Conduct Requirement(s) 13/07/2009 6

Minded To Revoke 07/04/2008 6

 

Categories:

Consumer credit

Consumer hire

Credit brokerage

Debt collecting

Provision of credit information services, excluding credit repair

Provision of debt-adjusting on a commercial basis

Provision of debt-counselling on a commercial basis

 

Right To Canvass Off Trade Premises:

No

 

Trading Name(s) (Current):

Amigo

Amigo Loans

Amigo Quick

Amigo Quick Loans

Amigoloans.Co.Uk

FLM Quick

flm quick loans

flmquick

flmquickloans

Haymarket

Haymarket Lending

The Cash Club

 

Trading Name(s) (Historic):

Credit +

C +

Credit Plus

all2gether

Twist Finance

Twist Lending

Twist Loans

TAB

TAB Finance

TAB Lending

TAB Loans

Twist

Paymate

Microcash

cash4u

lends4friends

lends4friends Finance

lends4friends Lending

lends4friends Loans

all2gether Finance

all2gether Loans

all2gether Lending

lendwithafriend

putitontab

putitontab finance

putitontab loans

putitontab lending

lendwithafriend finance

lendwithafriend loans

Paymate lending

Paymate loans

Paymate finance

Microcash finance

Microcash lending

Microcash loans

cash4u loans

cash4u lending

cash4u finance

cashclub

 

Issued Date:

03-Mar-2005

 

Date Maintenance Payment Due:

02-Mar-2015

 

Legal Formation:

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

Name Position

James Benamor

Judith Anne Bean

Mark Allan Robins

Wells Sam

 

Historic Individuals that run the organisation:

Name Position

Catriona Patterson

Catriona Patterson OFFICER

 

Nature of Business:

Other

 

Current Address(es):

Address Type Address

Principal Place Of Business Walton House, 56-58, Richmond Hill, BOURNEMOUTH, Dorset, BH2 6EX, United Kingdom

Registered Office Walton House, 56-58, Richmond Hill, BOURNEMOUTH, Dorset, BH2 6EX, United Kingdom

 

Historic Address(es):

Address Type Address

Principal Place Of Business 56-58, Richmond Hill, BOURNEMOUTH, BH2 6EX, United Kingdom

Principal Place Of Business Granville Chambers, Richmond Hill, Bournemouth, Dorset, BH2 6BJ

Registered Office 56-58, Richmond Hill, BOURNEMOUTH, BH2 6EX, United Kingdom

Registered Office Granville Chambers, Richmond Hill, Bournemouth, Dorset, BH2 6BJ

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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In their case they had a favourable determination which means they met all requirements imposed on them, a completely different scenario to just having 'minded to revoke.

 

Favourable Determination 16/11/2009 6

Requirements Imposed 16/11/2009 6

Minded to Impose Conduct Requirement(s) 13/07/2009 6

Minded To Revoke 07/04/2008 6

 

Whilst they may not be payday loans they are still a sub-prime lender and come under that category. A lot of PDL companies are looking at becoming 'bigger boys' and lending amounts of £2000-£3000 at an annual APR of 268%..... you only have to look at mainstream daytime tv advertising on certain tv channels to see their adverts.

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it seems like they have had requirements imposed on them, and theyve had multiple names so the public wouldnt see it on the surface. They kept quiet until the requirements were fulfilled and came out with a new name.

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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  • 4 weeks later...

Hi I got two letter throw my post from FLM QUICK.

Can I post the letter here so it can be looked at and some guidance for what to do next?

I will of course delete my details.

1) I sent in a letter for a breakdown,

2) Six days later I receive my breakdown and a copy of my contract.

3) Six days later i receive an e-mail with the tittle IMPORTANT CHANGES TO to your Terms and Conditions.

 

So shall I post the letter ?

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That's good ok becaus I was going to send them a letter saying I will only offer to pay you £1 as I am now unemployed cancelation of continuous payment authority.

This ways bank and FLM by law can't take money from

My account.

Also I have paid back the amount I took out in the 1st place.

It's becaus of the intrest,missed payments,late payment charges and fee the amount has never change still at the beginning.

Ok will post it now

Edited by geeza2012
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That's good ok becaus I was going to send them a letter saying I will only offer to pay you £1 as I am now unemployed cancelation of continuous payment authority.

This ways bank and FLM by law can't take money from

My account.

Also I have paid back the amount I took out in the 1st place.

It's becaus of the intrest,missed payments,late payment charges and fee the amount has never change still at the beginning.

Ok will post it now

 

As you know we are constantly looking to improve our products and your experience. We’ve got some great news about changes we are making to your account to make sure you can repay your loan quicker and save money. We’re sure you’ll love them.

 

Have you ever noticed your banks make money when you run out of money? We’ve been customers too and know that when times are tough the last thing you need is another charge to pay. Therefore we are no longer adding charges, so that if times are tough for you, we don’t make them any harder.

 

No one likes having debts for longer than they need. Therefore, the second change we are making is to change your terms and conditions so that your loan will be repaid within the next 24 months (assuming you continue to pay your monthly payment on the same payment date, do not miss any payments and repay any arrears within the next 30 days). This will mean that your new minimum monthly payment will be the greater of the sum of 1% of the total outstanding balance plus interest or £50 (changed made by myself to the amount £).

 

These changes will benefit you but, unfortunately, as it is a change to your terms and conditions we have to give you 30 days notice. A copy of the new terms and conditions that change your minimum monthly payment and no longer include charges will be available online after this notice period.

This change will take effect no earlier than 30 days from the date on this notice. If you are not happy then you are entitled to pay off your loan within those 30 days.

 

We are also introducing the opportunity for you to increase your monthly payment so that you can clear your debt even quicker. We are calling this ‘slide and save’. Our website will shortly have a facility to show you the amount of interest you could save if you just paid an extra couple of quid each month. You will be surprised at the difference a small change makes.

 

Don’t forget that you can still make additional one-off payments when you have a bit left over at the end of the month online or by PayPoint.

We have some more great plans that we will let you know about shortly. The next change is that we will allow you to pay your minimum monthly payment by direct debit. Watch out for these further developments.

Regards

FLM Quick Team.

 

Very contradicting yourself people, and they say bank over charge lol.

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Get that over to the OFT with an explanation of how much you have already repaid, and the fact you are now on benefits, in which case whatever they may say £1 is TOO MUCH if the principal has been repaid, (have you got the original loan contract because I bet they had up front charges and insurances and other junk added on).

 

A court judge would have a fit if he saw their proposed changes in action, how are you EVER going to repay a small amount by overpaying a few quid (to them even £5 over would make no difference). This has to go to Trading Standards to

 

http://www.tradingstandards.gov.uk

 

Get those complaints in and ignore them for now, should they try court they would be a laughing stock, a good factual defence will sink them at the beginning..

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  • 2 weeks later...

Hi I sent FLM quick a letter 18/05/12 which I do have a receipt off as it was recorded delivery.

 

I typed a letter to them heading Cancellation of Continous Payment Authority.

Stating I am facing hardship so I have cancelled payment with my bank ,in accordance with The PAyment Services Regulation.

I also have spoken for my guarantor, it's now 11th June and my

Guarantor has had money taken out of her account.

She is also on income support,single mother.

My loan of £500 a year ago, I have payed back £530 so fare including charges and fees.

So surly I have payed this loan back??

Any idea what I can do

And how I can get this money back take today please?

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You have cancelled the CPA on your bank account - has your Guarantor also sent the letter cancelling the CPA on their account? If not and you have missed a payment, it will probably be stated in your Guarantors contract that they are liable for your missed payment, and therefore unfortunately (if they have not cancelled the CPA on their account) it would be unlikely that they will get that money back. You need your Guarantor to also cancel their CPA with FLM and the bank, advise that they are on benefits and state that they also can not meet the obligations of your loan at this time.

 

With regard to the loan, how much does it state on your agreement is the total (principal plus interest) you have to repay? This is what you are liable for (and I very much doubt they only charged £30 for interest). You say that the amount remaining is the same as the total loan taken which, reading between the lines, would mean that your original term was 18-24 months?

ACCOUNT DORMANT

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You have cancelled the CPA on your bank account - has your Guarantor also sent the letter cancelling the CPA on their account? If not and you have missed a payment, it will probably be stated in your Guarantors contract that they are liable for your missed payment, and therefore unfortunately (if they have not cancelled the CPA on their account) it would be unlikely that they will get that money back. You need your Guarantor to also cancel their CPA with FLM and the bank, advise that they are on benefits and state that they also can not meet the obligations of your loan at this time.

 

With regard to the loan, how much does it state on your agreement is the total (principal plus interest) you have to repay? This is what you are liable for (and I very much doubt they only charged £30 for interest). You say that the amount remaining is the same as the total loan taken which, reading between the lines, would mean that your original term was 18-24 months?

 

I sent FLM a letter headed CANCELLATION OF CONTINIOUS PAYMENT AUTHORITY.

I also stated "I withdraw my authorisation formyountontake payments from my account or my

Guarantors account.

She didn't cancell with the bank

But surely FLM have broken the law after all I did send then a letter on the. 18/05/12 I have below the letter i sent.

 

 

 

Also they statement I have scanned so

Please do have a look and

Anyone else.

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No I do not think that they have acted illegally (yes unethically for not advising your guarantor in advance but not illegally). You can not give instructions on behalf of your Guarantor - they need to contact FLM and their bank themselves.

 

Also, you seem to be under the impression that by withdrawing the CPA authority and repaying the principle you or your Guarantor are no longer liable for the remaining balance of the loan. This is not the case. Because of your situations they may agree with both you and your guarantor a reduced repayment but please do not think that they will not be hassling both of you for their money

ACCOUNT DORMANT

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