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    • That explains it then. MET's fantasy is that it's a pay car park.  You're only let off paying if you are a Starbucks customer which you can't be when Starbucks is closed.  'Cos otherwise lots of people would abuse the car park facilities on the far edge of the Stansted Airport area in the middle of nowhere to ... admire the bushes?  Look at the cloudy sky? The important thing is that we have around 140 cases for this site, and MET have only tried court seven times.  Even then, they had no intention of getting as far as a hearing, they were attempting to intimidate the motorists into paying, when the Caggers defended the cases MET discontinued.
    • She's an only child and he as a brother and sister. He has no will and we have done a check on this to find out if he had left one and nothing has come up. He has savings of around 28k His sister and brother are well off so 28k is nothing to them and aren't interested in his money. This just leaves my wife/his daughter. Would this still need to go to probate there is no estate e.g house or business to sell and the amount left in his bank is just small? When his wife died they just closed her bank account and moved her money across to his account and we just assumed that once my wife has handed in the death certificate and shown evidence of who she is the same would apply to her? We don't know yet the council have only just written to us today with a guide of what to do next.  
    • Did your FiL leave a Will and if so who is the Executor? Strictly speaking banks could refuse to take instructions until Probate is granted but In practice I would expect the bank to take instructions to cancel the DD if the Executor presents the death certificate and a certified copy of the Will
    • Hi   Sorry I probably wasn't clear enough. He had lived in the flat until December 2022 with Dementia by this time it was unsafe for him to have capacity to live on his own and he had to move into a nursing home. We had left it too late to apply for power of attorney so approached a solicitor in March last year for Deputyship. We were still in the process of dealing with it by May 2024. He passed away a few weeks ago and the solicitor was contacted to halt the application and we will just pay the fees of what work he has done up until now. My wife was the named person on her dads bank account but we didn't have the ability to alter any direct debits hence the reasons for applying for Deputyship as we were having problems trying to stop some payments coming out of his account Eon being another difficult company. We kept his flat on from December 2022 - August 2023. it was at this point I contacted Sancutary housing to inform them he was no longer living in the flat, it had been cleared out and was ready for a new tenant and that he had Dementia and had moved into a nursing home December 2022 and explained the reasons why we kept it on. As the named person to speak on his behalf I asked them what proof they needed in order to give notice on the flat e.g proof of dementia and proof that he was living in a nursing home and anything else they wanted. The lady in the upstairs flat and some of the other residence in the street had asked about him and we had told them he had moved into a nursing home. The lady in the upstairs flat wanted his flat for medical reasons so asked us once we had given notice could be let her know and she'll ask them if she can have it. We explained the difficulties and it was left at that but I did tell her I would let her know once notice was given. I contacted the company by email a number of times and also telephone conversations and nobody followed it up and it wasn't till the end of February this year that the housing manager for the area wrote to our home address to ask about him that he had been to the flat a couple of times and nobody answered and he had asked some of the residence in the street and they hadn't seen him for sometime. There was an email address on the letter so I contacted him and copied in the last 2 emails I sent Sanctuary regarding me wanting to give notice on the flat for at least 9 months explaining that it went ignored as well as telephone calls. I also stated I wanted to have his rent payments returned from the date I wanted to give notice which was from August 2023 as the bank wouldn't let us stop the DD without POT or deputyship explaining we were in the process of Deputyship. He gave some excuse about not having POT to cancel on his behalf and spoke to someone in HR and said he would contact the nursing home to confirm he was there with Dementia and if it all checks out we can give notice on the flat which came to an end on the 22 March 2024. There was not mention of back payments for the rent already paid or the fact I had asked to give notice in August 2023. Despite someone living in the flat from 1st April they continue to take DD payments for the flat and have taken another 2 payments of £501. another concerning thing despite Eon not allowing us to cancel the DD to his account the lady upstairs informed Eon that she was moving into the flat February 2024 and Eon refunding the account to his bank and said in an email sorry you are leaving us and canceled his account. Something they wouldn't let us do but a stranger. She also changed her bank account to his address despite the fact notice hadn't been given on the flat yet. So we need to find out how much information Sanctuary actually had for her to tell her power company she was moving into the flat in February despite the housing manager only just getting in contact to find out where he was. So a complaint is going into Eon and Sanctuary and we are going to take advice and ask the bank to charge back the rent. My wife hasn't taken the death certificate to the bank yet to inform them of his passing.  
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Payday loan mess


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Youve probably heard it all before.

 

I was really stupid and got a payday loan and then got more and now I'm only paying the interest but I've just defaulted on two of them and will likely defult on the rest at the end of the month.

 

I don't really know what to do, I want to pay them

But only have a certain amount each month and with interest and charges if be trapped in this for life!

 

Since I defaulted with PayDayUK they have been hounding me calling ATLEAST ten times aday all from different numbers. I don't want to talk to them, escpically if there are calling me over and over again.

 

This is what I owe out in total :-

PayDayExpress - 187

PayDayUk - 129

SpeedCredit - 129

QuickQuid - 65

Aqua - 250

 

I get £610 a month and my essential outgoings are :-

Rent ect - 175

Phone - 44 (inc insurance)

LW - 45

Bus fare ect -100

 

Is there anyway I can set up payment plans? Even though I haven't defaulted on all of them yet? I really want to get the PDL out of the way but I paid two of last month and was left with nothing so I took out another.

 

Please offer some advice and don't judge me, I put my hands up!

 

Thanks !

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Looks like a spambot. Dont worry. Just flag it to a site admin.

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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The spambot was deleted. I'll be home in a few, so if someone hasnt answered fully by then, i'll go over your issue for you.

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 can realistically set aside £200 a month for the payday loans. If I can get these out of the way then I can finally clear the rest like my overdraft and credit card.

 

Looking forward to your reply renegade.

 

Thanks!

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I can realistically set aside £200 a month for the payday loans. If I can get these out of the way then I can finally clear the rest like my overdraft and credit card.

 

Looking forward to your reply renegade.

 

Thanks!

 

 

Wrong order of priorities.

 

Credit card/overdraft comes first. PDL's last. They are one of the lowest priority debts you can get. ( Your ISP provider has more rights to be paid before 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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It's ok. I know exactly what you are saying. However, i'm thinking that the OP is underestimating exactly how much outgoings he/she has before they take creditors into consideration.

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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My overdraft is a student one, so it doesnt need to be paid of straight away, I don't get charged for it.

The credit card, ok, but I thought it'll be better to pay them off so I dot incur further charges ect.

 

What would be the best way to sort this? I'm expecting to defult on all the payday loans, or can pay one and defult on the rest. I'm pretty new to this do please enlighten me!

Thanks!

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You NEED to default on them. These rollover facilities are a pure money maker from the PDL's. They achieve nothing whatsoever apart from making you hand over cash each month for no reason at all. Give me 10 mins as i just got home and ill go through your issue.

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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You NEED to default on them. These rollover facilities are a pure money maker from the PDL's. They achieve nothing whatsoever apart from making you hand over cash each month for no reason at all. Give me 10 mins as i just got home and ill go through your issue.

 

 

Thank you so much.

 

Let me know if you need any more information.

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I'm not that bothered about having defaults on my file. It's more about having money to last me the month. I work 5 days a week and do a lot of traveling. Recently I was "demoted" and lost about £500 a month so I've been really struggling to get by and have been paying hundreds to these people every month and doesn't help at all, then I end up taking out another loan to last

Me.

 

I just want to get rid of the PDLs and then I want to pay my CC and OD. I get really depressed over debts and money and seem to be thinking about it all the time

And I've read so many stories about these companies calling your place of work and even sending letters to your neighbours. I know they are always trying to take money from your account but my wages are paid into my mums account.

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Ok.

 

Here is what you do.

 

Default on every PDL loan you have. As i said before, the "rollover" options are nothing more than a money making racket under the guise that the creditor wont take action against you.

 

Write to each PDL and tell them that they are not permitted to debit your account from the moment they receive the letter, and you require their bank information so you can set up standing orders to pay them. If they continue to debit your account, then you must make a formal complaint to the PDL/OFT and trading standards. If they continue to debit your account, then contact the local police for a crime number due to blatant theft happening and get the bank to start chargeback proceedings.

 

Go to your bank and report your debit card as lost and cancel any Continuous Payment Authorities on your account relating to each PDL. Put this in writing and ask for a receipt. Under UK law, they must comply and block all transactions.

Open up a new account with another bank so you can have your wages sent there so you know you are in 100% control of your finances again. Use the old account to set the standing orders up and pay the PDL's

 

Go to http://www.consumeractiongroup.co.uk/forum/content.php?493-Harassment-by-telephone-response-letter and http://www.consumeractiongroup.co.uk/forum/content.php?441-If-you-do-receive-a-doorstep-visit-we-give-these-suggestions-to-Members . Send the letters to each creditor. With the Telephone one, make sure to edit it so it includes they cant call your employer at all and for any reason.

 

Also write to each PDL and get a full breakdown of each debt. Most PDL debts are full of unenforceable charges such as declined payment charges, default charges, more interest etc. Thats why later down the road, you'll probably see them offering to halve the debt as a gesture of goodwill. This is because they know the charges will never stand up in court.

 

Next, sit down and work out your EXACT incomings and outgoings. Make sure you include everything. If it takes a good hour or two to work it out, then take the hour or two. You MUST be completely thorough so you can prove to any court, or any PDL that tries to claim you are lying.

 

Things to include (the following is just a rough guide. There may be more) are:

 

  • Incomings per week/month ( depending on when you get paid)
  • Rent/Mortgage
  • High Prioirty repayments such as Secured Loans, car payments etc
  • Food
  • Water
  • Clothes
  • Socializing
  • Childcare/Child needs etc ( if you have children)
  • Emergency funds ( should anything unforseen arise)
  • Council Tax
  • Tv license
  • Travel Costs ( bus fare to work, car fuel etc)

 

(note. For some reason, electricity is not considered a High priority repayment)

 

Add them up to get your total outgoings. Work out what you have left, and get the total amount of creditors you have.

 

Take the total amount left and split it between the PDL's. This is how much they will get each month. Make sure to tell them that it will be what you are paying and it is NON NEGOTIABLE.

 

 

That is the best way to deal with PDL's. You may feel like paying them off in full, but thats what they want you to do when they harass you and threaten you with all sorts of things. The key is to tell them to jump off a cliff and for you to know your rights.

 

If you are still adamant that you want to pay them off in full with whatever amount they ask for, then it leaves me wondering why you are here. Your High priority creditors such as your bank overdraft and CC owner will certainly wonder why you are favouring repaying the low priority debts over their higher priority ones.

 

If you need any more help just ask.

Edited by renegadeimp

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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The other option is snowballing, paying off the smallest loan completely this month, then the next one the next month, and so on.

 

Whatever you choose do not underestimate your own expenses as these could cause further long term problems, and have an effect on your health.

 

These loans, as said, are low priority and come after everything else.

 

Don't forget to get an alternative bank account as some of these companies could raid your bank account.

 

Just remember to work out your income and expenditure WITHOUT any commission or bonus payments as these may not be regular or 100% guaranteed.

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Like i said in the post. If the OP wants to pay them off like that, then thats fine. It just leaves us wondering why they are here. It is normally a bad idea to let low priority debts take precedence over high priority ones, simply because the creditor is harassing you. Youa re giving them exactly what they want, and after theyve finished with you, they will do the same to the next person and so on.

 

We see it every day here on almost every forum.

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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Hi, I came here looking for a bit advice and you have provided loads, thank you!

As for the wage not matching the £610, I work from 8.30-2.00 I was on 9-4.30 before.

 

Once I get home I will read the thread properly an thanks once again.

 

Also, as I mentioned before that my wage are paid into my mums account so I dictate the amount that's paid in.

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The main thing to do with payday loans is to remember these are low priority loans, they are not allowed to charge what they like (just because it is in their terms and conditions does not make it fair, legal or morally right) and at the end of the day they are also sub-prime lenders.

 

You are now in control, not them, and you need to sort out what you can pay them, and the method you choose to use. Remember that if you snowball the chances are the others will become threatening, then back down and start offering 'discounts'... and you will be out of debt shorter than if you pro rata the repayments.

Edited by MARTIN3030
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8% interest a year and a small default charge. Thats pretty much it. Proper loan companies can charge multiple things. These idiots cant, although they like to try to. Thats why everytime they are confronted, they remove the charges and interest "as a gesture of goodwill".

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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8% interest a year and a small default charge. Thats pretty much it. Proper loan companies can charge multiple things. These idiots cant, although they like to try to. Thats why everytime they are confronted, they remove the charges and interest "as a gesture of goodwill".

 

I don't believe that to be right. I'm pretty sure they'll be able to claim contractual interest right up to a point when performance of the contract has been completed. It would be vital to consider either a Time Order or an unfair relationships argument to prevent exhorbitant interest being added.

 

This area is, however, being currently researched so any REAL legal arguments would be graciously received. I have asked a few people for proof of some of the points they've raised within these forums, all welcome to get in touch!

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Hmm. Interesting. However, wouldnt the contract technically be up after the initial 2-4 weeks or whatever was agreed? Or is it allowed to continue indefinitley. If it is the latter, then theyre pretty much getting away with anything they like :/

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. Interesting. However, wouldnt the contract technically be up after the initial 2-4 weeks or whatever was agreed? Or is it allowed to continue indefinitley. If it is the latter, then theyre pretty much getting away with anything they like :/

 

A contract usually finishes once performance of the contract has been completed. Bear in mind that is just your bog-standard common law rule of contract. What we need to consider with PDL's is what protection is, or should be, afforded to them via the CCA. I firmly believe the whole 'you're only liable to pay the loan + one month's interest' thing as utter nonsense however it is interesting to me that many of these lenders ARE frightened of proceedings. I've a bit of time on my hands over the summer so I'm going to spend it undertaking a little bit of research. I wanted to do it sooner but have other things that were taking up my time. I firmly believe that most payday loan companies a breaching the CCA but for different reasons as to what most people are suggesting on here. I need to try and figure it out further, though!

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The interesting thing is that even if the loan + month interest rule is nonsense for whatever reason, it has and still works, with many PDL's backing down after a while and agreeing to that as a full settlement.

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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The interesting thing is that even if the loan + month interest rule is nonsense for whatever reason, it has and still works, with many PDL's backing down after a while and agreeing to that as a full settlement.

 

I think that's more to do with luck and common sense on part of the PDL firms than anything. What everyone should remember is that these loans are usually for very small sums (in the grand scheme of things) and taking time to litigate is probably not commercially viable for these firms.

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PDL debts arent regulated tho are they?

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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