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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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Trapped in payday loan rollover hell!!!!!!


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Hi All

 

I have never used one of these forums before so please bear with me. I have managed to get myself trapped with 5 payday loans - Wonga, Quickquid, Mr Lender, 1Month Loan & Payday Express. My husband lost his job earlier this year and as a "temporary" measure we stupidly took out these loans to make sure all of our priority outgoings were covered, ie. rent, council tax etc. It has got the the stage where I am rolling over each loan which is costing over £700 per month and leaving us very little to live on. All in all I think the amount of debt is around £3000 :!:

 

My credit score has improved slightly since it was very poor last year but it is still not high enough for me to take out a personal loan. I am worried sick at the amount of money we are paying out, especially as we are not actually reducing the debt, just prolonging it.

 

Is anyone else in this situation or has anyone managed to overcome it? I would REALLY appreciate any advice you could give me to escape this payday trap. I am aware that I have been overwhelming stupid in taking out these loans in the first place so please don't criticize me too harshly! I have learned my lesson and hopefully if I can ever get out of this position I will NEVER touch a single payday loan with a barge pole.

 

Any advice/help/suggestions would be greatly appreciated

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Hi and welcome

 

If you have 'Continuous Payment Authorities' set up with the PayDay companies, this gives them access to your account so you will need to rescind that permission. You don't have to tell the PDL, just your bank (IN WRITING)

 

In the library are some template letters to help you get started with the letters to each company explaining your circumstances and asking them to stop charges and interest.

DO NOT engage in any phone conversation with them as they will say one thing and mean another.

 

Remember, these debts are NOT a priority so they go to the bottom of the pile. If all you can afford after taking your ESSENTIAL expenses off is a pound a month, that is all you offer.

 

I did read that the PDL co's are trying to be more pro-active but the proof is in the pudding (so they say)

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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I've always wondered why people rollover the PDL loans and create more difficulties. Surely its easier to let the loan default and negotiate afterwards, then give in to the PDL's extortionate fees.

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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I've always wondered why people rollover the PDL loans and create more difficulties. Surely its easier to let the loan default and negotiate afterwards, then give in to the PDL's extortionate fees.

 

Lack of knowledge that CAG brings. Simples :-)

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Hi Guys thank you so much for responding. Can I ask, what is CAG?

 

Also, I have been trying to repair my credit rating which is why I haven't defaulted yet but it has now got to the point where I will probably have to.

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CAG is the abbreviation for this entire website.

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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CAG = Consumer Action Group (you will soon get used to the acronyms)

 

Your credit file is the least thing to worry about. You won't be wanting credit again for a while, will you!!

 

There are other options open to you. You may be able to go with a debt management company (CCCS or Payplan) Do not go with a fee charging one as they are a waste of time (and money)

Dependent on your income, a Debt Relief Order (DRO)could be useful or an Individual Voluntary Arrangement (IVA) may help.

 

If you are not sure which way to go, give National Debtline a ring. They are non-judgemental (just like CAG) and quite helpful

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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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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Share on other sites

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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I have been very lucky to have been in debt long before pay day companies raised their ugly heads so never needed them but if you look around the payday forum you will be able to read what others have done.

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Slow and steady, dont bow to pressure from a creditor, but most of all, KNOW YOUR RIGHTS.

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 guys. I actually feel I whole lot better knowing I am not the only one struggling. I have been worring myself sick for ages. I know it's my own fault for getting into this situation but when I have looked at these ridiculous interest rates these pdl companies charge it's unbelievable! I hope one day they are banned!

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Thanks guys. I actually feel I whole lot better knowing I am not the only one struggling. I have been worring myself sick for ages. I know it's my own fault for getting into this situation but when I have looked at these ridiculous interest rates these pdl companies charge it's unbelievable! I hope one day they are banned!

 

Everyone on this site has been in debt at some time or another. The reason this site exists is so people can be educated to their legal rights and to share their experiences, so others can benefit from 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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Well I will keep you posted on my progress once I decide what to do. Sorry if my naivity is annoying! It's just that I have never used these forums before and feel I bit lost.

 

No need to worry or apologise. If you are having a hard time with something, just ask.

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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