Jump to content


  • Tweets

  • Posts

    • Shein has been linked to unethical business practices, including forced labour allegations.View the full article
    • Hi I have to agree with @unclebulgaria67 post#3 For the funding side of moving to a new area and it being private supported accommodation I would also suggest speaking to private supported accommodation provider about funding but also contact the Local Council for that area and have a chat with them about funding because if you are in receipt of Housing Benefit certain Supported Accommodation that meets a certain criteria is treated as ‘exempt accommodation’ for Housing Benefit purposes but you need to confirm this with that relevant Council in your new area especially since it is Private Supported Accommodation as each Council can have slightly different rules on this. If you have a certain medical condition look up the charities and also have a wee chat with them as they may be able to point you to different Grants to assist with moving costs and your question about funding for private supported accommodation as well.
    • Hi Just to be clear a Notice to Quit is only the very start of the Housing Association going down the Eviction route there is a long process to go. Also to be clear if you leave at the Notice to Quit date only and go to the Council claiming you are Homeless they will more than likely class you as Intentionally Homeless therefore you have no right to be given temporary housing by the Council. The only way that works is when the Court has Granted a Possession Order then you can approach the Council as Homeless with the Court Order. As for the Housing Association issuing the Notice to Quit because there investigation has proved it's not your main residence but you have witness statement to prove otherwise. From now on with the Housing Association you need to keep a very good paper trail and ensure to get free proof of posting from the post office with anything you send to them. You now need to make a Formal Complaint to the Housing Association and please amend the following to suit your needs:   Dear Sir/Madam FORMAL COMPLAINT Reference: Notice to Quit Letter Dated XX/XX/2024, Hand Delivered on XX/XX/2024 I note in your letter that you stated that the Housing Association has carried out an investigation into myself and came to the conclusion that I am not using this property as my main residence and have evidence of this and have therefore issued a 'Notice to Quit' by XX/XX/2024. I find the above actions absolutely disgraceful action by the Housing Association. 1. Why have I never been informed nor asked about this matter by my Housing Officer. 2. Why have I never been given the opportunity to defend myself before the Housing Association out of the blue Hand Delivered a Notice to Quit Letter. 3. I have evidence and witnesses/statements that prove this is my Main Residence and more than willing provide this to both the Housing Association and the Court. I now require the following: 1. Copy of your Complaints Policy (not the leaflet) 2. Copy of your Customer Care Charter (not the leaflet) 3. Copies of your Investigation into this not being my main residence.    As well as the above you need to send the Housing Association urgently a Subject Access Request (SAR) requesting 'ALL DATA' that simple phrase covers whatever format they hold that in whether it be letters, email, recorded calls etc. The Housing Association then has 30 calendar days to respond but that time limit only starts once they acknowledge your SAR Request. If they fail to respond within that time limit its then off with a complaint to the Information Commissioners Office (ICO).     
    • Hi Sorry for the delay in getting back to you The email excuse and I do say excuse to add to your account and if court decide LL can't recoup costs will be removed is a joke. So I would Ask them: Ask them to provide you with the exact terms within your Tenancy Agreement that allows them to add these Court Fees to your Account before it has been decided in Court by a Judge. Until the above is answered you require these Court Fees to be removed from your Account (Note: I will all be down to your Tenancy Agreement so have a good look through it to see what if any fees they can add to your account in these circumstances)
    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
      • 161 replies
    • 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
        • Like
  • Recommended Topics

Flm quick loans repayment hardship!


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4373 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

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.

Link to post
Share on other sites

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

:D

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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.

Link to post
Share on other sites

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

Link to post
Share on other sites

  • 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 ?

Link to post
Share on other sites

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
Link to post
Share on other sites

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.

Link to post
Share on other sites

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..

Link to post
Share on other sites

  • 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?

Link to post
Share on other sites

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

Link to post
Share on other sites

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.

Link to post
Share on other sites

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

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...