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    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. So I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app. And then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. So if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully. 
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
    • Farage rails and whines about not being allowed on the BBC ... ... but pulls out at the last minute of a BBC Panorama interview special. It was denied it was anything to do with his candidates being outed as misogynists and Putin apologists, or that farage was afraid Nick Robinson might throw some difficult questions at him ... despite farages recent practice at quickly cowering in fear.   It was claimed 'it wasn't in Nigels diary'     Nigel Farage pulls out of BBC interview at last minute amid Hitler row WWW.INDEPENDENT.CO.UK ‘Panorama’ special postponed as Reform UK party faces row over candidate who claimed UK would have been ‘better off’ if it had...   Waaahhhh
    • i'd say put lowells to strict proof of where the payment came from. cant hurt to send SB letter, even if proved not. at least they get your correct address. they'd have to link the old IVA times scale to a payment  these IVA F&F pots (if thats where it came from) most mugs dont even know they are not only taking most of your payments on fees but also creaming money off to supposedly offer F&F's.  funny when the IVA fails or is complete these sums of money in F&F pots never get given back or even mentions... these IVA firm directors esp with regard to knightsbridge and creditfix were fined and struck off more times than Paul Burdell of Link Fame and still managed to continue to scam people.
    • Hi everyone, I received a charge certificate with a charge of £165  in April 2022 however I never received a PCN and NTO before that. I responded by requesting original PCN reissued in the hope of getting discounted rate which was refused however I was offered to pay £110. I received an Order of Recovery in May 2023 and submitted a witness statement on time by email to get the original PCN re-issued. I received a Notice of Enforcement in February 2024 I contacted TEC that I had submitted TE9 on time and they advised me to submit a late witness statement and TE7. I did as advised and also attached the original email and witness statement as proof to show that I had submitted my witness statement on time. The council disputed my late witness statement by saying that I likely received the PCN and that I did not submit a valid late witness statement without specifying why it's not valid. The court refused my late witness statement without giving any reasoning behind their decision (so much for the transparency). This is really outrageous as I did attach the proof of submitting the witness statement on time and it seems like the court just decided without looking at the case files. Can someone please advise me what should I do now? Any help is appreciated. I have attached all the documents below.   Documents.pdf
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Repayment Plan Break


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Hi all. Am currently repaying Castlebridge credit and Mackenzie Hall on the 1st day of every month, and have been since February. I have paid on time every month. It totals to £120 a month. It is basically all my spare money after essentials. There have been no treats, nothing, but I knew that and was keen to be free of these debts. However next month I could do with the cash as basically its hubbys 40th and I want to get him a nice present and take him for a lovely evening out. I was going to contact then and ask if I could pay them a bit less that month but am concerned they would refuse and it would be treated as a breach of the agreement. Just wondered if anybody could advise and if I'm making a huge mistake or wasting my time by asking at all. Thanks

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Try it. Just say you did a few less hours this month and need to reduce the payment for one month only.

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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Hi

Have you done a personal Income and Expenditure form (not to send to them)

If you are spending all your spare cash, what about emergencies? what about having a life?

 

Work out what you can afford and tell them that is what they are getting. If they don't like it-well tough. They would be unlikely to go to court as you will be paying something.

 

Can you let us know what type of debts these are?

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Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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The debts are payday loans, I was made redundant last year and almost went under. It was hell, I got a new job just before Christmas and was desperate to get rid of these debts. I also have a monthly agreement with Barclays to clear my overdraft. My final repayment is in June and then my bank is account is back out of the red and I will be £100 better off per month. I did create a budget sheet and I admit I stretched myself to get rid of the debts, clothes shopping seems like a distant dream! But I got myself into that mess and that's the price I have to pay

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I got myself into that mess and that's the price I have to pay

I'm sorry but I disagree for this reason

 

I was made redundant

 

Before you were made redundant, you wouldn't have thought of the mess. I would suggest that redundancy was not your fault so why should you suffer. Yes, it will clear these debts off quicker but at the expense of living. I don't think so

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I shouldn't have taken out the payday loans in the first place, It was before I lost the job but it was such a foolish thing to do. I have been considering asking them if I can pay less per month but I would need good reason, and in the eyes of a debt collection agency having a life is not an option.

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But in the eyes of the law its a necessity.

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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While I do appreciate how you feel and any decisions made must be your own, MUCK HALL and Castle bridge credit are DCA's who have NO LEGAL POWER over you.

I emphasised MUCK HALL because they are the lowest of the low in the DCA food chain

 

This is just for information

 

Instant Cash Loans Limited2685515

 

 

Categories:

 

 

 

Consumer credit Consumer hire Credit brokerage Debt adjusting/counselling Debt collecting

 

Right To Canvass Off Trade Premises:Yes

 

 

 

 

Trading Name(s) (Current):

 

AdvanceBritain.com Cash Till Payday Castlebridge Credit Management Duncanson & Edwards Gold To Cash Direct Money Shop Castlebridge Credit Management Robert Biggar Pawnbroker The Money Shop

As I suspect, you took out a PDL with one of the trading names and as such the debt is still with the original creditor albeit with one of their 'partners'

If you are asked to deal with any matter via private message, PLEASE report it.

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Oh well, I don't mind being wrong.

 

I would assume that a load of charges were added to these accounts before they were transferred. Yes/No? While not as easy to get the charges wiped as a credit card, they can be done as most charges are unlawful

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Oh no silverfox I wasn't trying to make a point of making you look wrong at all, I appreciate you taking the time to help me out.

 

Don't worry at all. Even though my name appears orange, I still have lots to learn.

 

Going back to the top, Renegadeimp says to ask for the reduced payments. You can try that way if you wish (I won't be offended) or choose a different route. That is what I like about this forum so much. It gives you the information and then you can decide which way to go.

 

Good luck with it though

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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You are all right, it is my money and I decide who gets how much, and I have already proved myself to them by making previous repayments, so I imagine they would be hard pressed to take court action

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I would imagine your credit file is already stuffed so that isn't an issue and as you are paying something, they would look VERY silly going to court. The courts don't like DCAs using them as their collection agents.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Well I hope at least by repaying my debts it works in my favour towards repairing my credit rating. Repaying my overdraft and keeping my nose clean with Barclays should help aswel

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