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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   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;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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Pay Day Loans Advice


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I have been using pay day loans for almost 3 years now and as expected, my luck has run out and after numerous deferrals, all 6 are due in full on 26th July, which will equate to £4500. My salary is only £1917 per month so obviously I cannot pay in full. My usual monthly payments to all loans exceeds £1500 so every month I pay one loan and take out another to pay the hosueold bills, etc.

 

I knew this was going to happen and tried to juggle them so I could still cope but have now accepted that I'm in trouble. I'm aware from reading many posts that some companies won't accept payment plans until you default so I won't be emailing those companies until 26th July.

 

So, I have some questions and would be very grateful for any advice:

  • I have closed my main bank account completely and my salary will now be paid into a new bank account with a different bank. Does this protect my income?
  • I once used an existing debit card to pay part payment towards Wonga. Unlike my primary card used for payments, Wonga do not have my account number / sort code for the 2nd card. This card has now been reported stolen so Wonga no longer hold the debit details for the 2nd card. Is this enough to stop them debiting from the 2nd card?
  • I can afford to continue paying in full for Pay Day UK but am I at risk of PDUK sharing my new account details with the other loan companies?

My main concern is having my new bank account raided but this account has never been used for loans.

 

I am completely commited to paying back my loans in full but as you can imagine the stress and pressure of paying over £1500 has become too much. I actually feel a huge weight lifted off my shoulders for making the decision to default, if that makes sense.

 

At one point I had 12 pay day loans so am now very anti credit for myself. Even though I had never defaulted some of the previous 12 companies refused to give me credit, actually stating I had too may pay day loans.

 

Many thanks

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Hi and welcome to CAG.

 

If you have a new account, there should be no problems with any company taking money from it.

 

Please try to stay away from using PDL on the new account as many of the companies are linked and should you try for a new loan, you can find yourself in trouble as they will drain it dry!

 

Jogs

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Write to each one , do NOT phone, and inform them of your situation and offer of repayment. Make sure to tell them that you do NOT want to be contacted at any time by phone and communication is only to be made through email or letter.

 

Once you get a reply, post it up in this thread minus any personal info. PDL's are known to use strange wording or threats in their communication, and we can help you negate that.

 

You must make initial contact with the PDL's to advise them of your situation. This covers your back in the future. Make sure that you send any letter by recorded delivery, and any email MUST be CC'd to yourself.

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

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Emailed letter to all today and so nervous:

 

Dear Sirs

xxxxxxxx

I am currently experiencing financial difficulties due to having a high number and unmanageable number of pay day loans and I am therefore unable to maintain the full or partpayment on my account on 26th July. I am trying to resolve my situation by contacting all creditors involved and arranging repayment schedules.

I ask that you will accept this offer of £10.00 per month and stop interest or other charges accruing in order that the payments will begin to reduce the debt. I would like this to be a temporary plan with the intention of incresing payment after 3 months.

Please confirm your acceptance in writing and advise me how the payments should be made as I no longer have an active current acount.

Please note that I am only able to correspond in writing on this matter and am unable to take personal calls at work.

Thank you in anticipation.

Yours faithfully,

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You'll probably get knocked back by most. However, you sending the letter out shows that you are willing to repay the debt. If they start declining and demanding unrealistic numbers, then we can start quoting OFT guidance on debt collection at them.

 

ALso be aware that some PDL's will demand bank statements, income forms, wage slips etc. Do NOT supply them with that info. If any of them ask for it, come back here and we can sort it out.

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'll probably get knocked back by most. However, you sending the letter out shows that you are willing to repay the debt. If they start declining and demanding unrealistic numbers, then we can start quoting OFT guidance on debt collection at them.

 

ALso be aware that some PDL's will demand bank statements, income forms, wage slips etc. Do NOT supply them with that info. If any of them ask for it, come back here and we can sort it out.

 

 

PayDayUK have asked me for proof of employment and proof on income a number of times ....no chance!! They can see me in court if they do not accept my repayment offer.

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All you need to do is send them the national debtline budget summary. Thats it. If they dont like it, tough luck to 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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Hi all,

 

TxtLoan replied immediately and accepted my offer of £10 a month. They were very understanding and have simply asked on what day of the month I plan to pay.

 

Wage Day Advance have asked me to complete an expenditure form and the following which I would appreciate help on as I'm aware I should not send them bank statements:

 

Thank you for your recent correspondence, please find attached an income expenditure form for you to complete in order for us to accept a reduced monthly payment.

 

Please complete the form in as much detail as possible and we will also require last months bank statement to support the income expenditure form, please ensure the form & the supporting document/s are returned to us within 5working days. Failure to do so will result in your account been processed which means you will incur daily interest, receive calls, emails & sms.

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Dont use wage day advances income form, and definitley do not send them bank statements. I would suggest making an official complaint about that to the OFT.

 

For a summary of your incomings and outgoings, use http://www.nationaldebtline.co.uk/england_wales/pdf/personal-budget-sheet/your-personal-budget-sheet.pdf to work out your money. Do NOT give it to any creditor. It is for your use only.

 

Once youve spent some time filling that in, fill in http://www.nationaldebtline.co.uk/england_wales/pdf/personal-budget-sheet/budget-summary-for-creditors.pdf and send that to wageday advance. Make sure to tell them that you will NOT be sending any more information than what is on that sheet.

 

Please complete the form in as much detail as possible and we will also require last months bank statement to support the income expenditure form, please ensure the form & the supporting document/s are returned to us within 5working days. Failure to do so will result in your account been processed which means you will incur daily interest, receive calls, emails & sms.

 

You need to get that in a complaint to the OFT.

 

THey are not allowed a bank statement, they are only allowed a simplified I&E form. They cant put time restrictions like that on it, and they definitely arent allowed to threaten you. Especially since youve stated that you are in financial difficulty and they still want to increase the debt.

 

Also, read the following two links and send them the letters contained in them.

 

http://www.consumeractiongroup.co.uk/forum/content.php?493-Harassment-by-telephone-response-letter

http://www.consumeractiongroup.co.uk/forum/content.php?441-If-you-do-receive-a-doorstep-visit-we-give-these-suggestions-to-Members

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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Many thanks - this was very helpful and I applied with the below:

 

 

Thank you for your email.

 

I have attached a simplified Expenditure & Income form.

 

As you are aware you are not permitted to request a copy of a bank statement, only a simplified I&E form (attached). You will also note that there are rules in place regarding you placing time restrictions on response and noting consequences thereof (especially since I have stated that I am in financial difficulty and you still wish to increase the debt.)

 

I trust the above and attached are in order and look forward to confirmation of the offer of £10.00 per month

 

Regards,

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:thumb: If they come back with some excuse, let us know. We can go through the guidance on debt collection and start quoting it at 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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So, Txt Loan extremely helpful and accomodating and now on payment plan. PDUK replied today and have just asked for I&E so will get that done. WDA 2nd reply with:

 

 

We are able to request a copy of your bank statement in order to set up an arrangement your account however if you do not wish to send this then this is fine.

 

In same email they are querying why my travel expenses are so high so will explain that (I live over 30 miles from work so £14 x 6 days - thats the maths!)

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Dont use the PDL's I&E form. Use CAGS or National Debtlines forms.

 

As for the bank statement and explanation of travel expenses, they are NOT allowed to see the former, and the latter is no concern of theirs.

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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Was just logging on to some PD loans accounts that had not replied my offer (although I did only send the emails on Friday) and to my horror one loan company (I'm not in default at all with this company) had my bank details listed with my NEW card details. They had the new sort code and account number although the bank name, and 16 digit card number with expiry date is for the usual card they debit, so very conflicting. They only way I can think of this happening is through applying for a loan a month or two back with my new details although I didn't go through with loan.

 

Please correct me if I'm wrong but it is my understanding with Cash Genie that they debit the 16 digit card number each month (it comes up as VISA debit on my bank statement) and it is not a direct debit like Wage Day Advance. I'm a bit confused why they have the account number and sort code for my new account but the bank name, 16 digit no, etc is for old account - so all jumbled.

 

Anyway, I have cancelled my new bank card so will get a new 16 digit number, so should be ok? Any advice would be very appreciated. I hate to think I have cancelled card for nothing!

 

As far as Cash Genie is concerned I'm an excellent payer and to be honest I don't know when these details changed on my account with them.

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If you have a new card but with the same bank, the bank has probably updated the info to the merchant when they have tried to process the loan or a payment. You need to be going to your bank and cancelling the CPA on the account that is very obviously there.

 

Also remember that a LOT of PDL's share debtors information. So if one person defaults with a PDL, that PDL will start giving out the debtors details incase they apply for another loan with a different PDL. We have heard hundreds of issues like that on these forums.

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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Do you know why Cash Genie would change my bank account without my knowledge? As far as we are both concerned I'm paying in full on 26th from my usual account and not my new one.

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As i said in my last post, if youve updated it with another PDL, chances are very good that your details have been passed around.

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 doubt another payday lender would give their competitor a mutual customers' details that doesn't make sense. From reading around Cash genie have a few sites / trading names so perhaps you applied on one of their other sites and then the information was updated on your cash genie loan, be careful as it looks like a tactic they use often to get people's card details and take payment in full if the account is in default.

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Hi Samdk30,

 

Here is more advice to Wage Day Advance from my own experience: They will agree only to 6-8 months repayment and they are difficult to negotiate with. They will try to push the monthly rate you can afford up (they pushed mine from 50 GBP offer to 84 GBP) so beware to discuss this with them. Negotiate by email only. Try to expedite the negotiations with them, because they will add charges and interest to it until the repayment plan is set up, so better finish the negotiations before the loan is due this month. Pay only by standing order to their bank account (Wagedayadvance, Sort code 20-45-14, Account number 90931772) and always quote their reference number (your loan ID). Beware: They will set up a new direct debit on your "old" bank account every month one day before your payday for the whole amount outstanding despite agreed repayment plan. So you have to watch your account and delete this direct debit every month, even if no money on your account (as otherwise you will incur bank charges).

 

And here advice for PaydayUK: They arrange plans for up to 12 months (I have read even up to 18 months). Pay only by standing order to their bank account (MonthEndMoney, Sort code 60-00-01, Account number 39524906) and always quote their reference number (your 7-digit loan number).

 

Like you I have payday loans since years now, and I am trying to "break out" of this cycle since beginning of this year. I have meanwhile reduced my payday debt by half, but it really seems the only way to break out is with repayment plans. Do not take any new payday loan/roll-over next month. Instead try to spread the amount you have available to repay those loans over as many lenders as possible (after repayment plan). I am saying this because I was tempted (and did two months ago) to take out further loans to repay the "difficult to negotiate with"-lenders. This is obviously getting nowhere...:-)

 

If you let me know the other PDL companies you owe to I might be able to help.

 

 

 

24/7 Moneybox: 195.00 - Oustanding: 0.00

British Pearl/Spondoolies: 752.10 - Oustanding: 0.00

Cash on go/Peachy: 206.30 - Oustanding: 0.00

EarlyPayday: 325.00 - Oustanding: 0.00

Lending Stream: 1398.46 - Oustanding: 0.00

MicroLend: 780.00 - Oustanding: 0.00

Minicredit: 520.00 - Oustanding: 0.00

MonthEndMoney/PaydayUK: 937.50 - Oustanding: 0.00

MrLender: 715.00 - Oustanding: 0.00

Pounds2Pocket: 2328.00 - Oustanding: 0.00

QuickQuid: 1800.00 - Oustanding: 0.00

SafeLoans: 450.50 - Oustanding: 0.00

Speed-E-Loans: 516.00 - Oustanding: 0.00

SwiftSterling: 1295.00 - Oustanding: 0.00

Toothfairy Finance: 544.00 - Oustanding: 0.00

TxtLoan: 450.00 - Oustanding: 0.00

WageDayAdvance: 670.80 - Oustanding: 0.00

Wonga: 1336.86 - Oustanding: 0.00

Total: 15220.52 - Oustanding: 0.00

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Thank you very much for your advice.

 

At this moment in time I have not defaulted with any pay day loan but was pre-empting difficulties on pay day. Perhaps this is why so far all that have responded have been more than understanding:

 

Txt Loan - accepted payment plan of £10, to be reviewed in 3 months

WDA - accepted payment plan of £10, to be reviewed in 3 months

247 Money Box - awaiting reply

Cash Genie - awaiting reply, have not defaulted with them or anyone else, so as far as they are concerned no problem with payment on 26th. However. all my bank details are jumbled up on my online account with them (not sure when this happened). Am quite concerned they may try anotehr account for payment.

Wonga - will contact this week

 

Thanks.

 

Sam

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Make sure you secure your day to day money first. Some pdls, when they find out you intend to default, will take money regardless of ehat was agreed.

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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Wow, I think if you get in touch with the companies before you default, they are more sympathetic:

 

Txt Loan - accepted payment plan of £10, to be reviewed in 3 months

WDA - accepted payment plan of £10, to be reviewed in 3 months

Cash Genie - accepted payment plan of £25.00 permanently

Wonga - to be contacted shortly

 

247 Money Box responded with following:

Thank you for your e-mail.Your account balance is due for full repayment on your repayment date. If this payment is not available then there will be fees and interest applied to your account. If you wish to discuss repayment plan then you will need to speak to a collections agent on your repayment date, and have sufficient payment available and they will see if you are eligible for a repayment plan.

They only gave me the option of live chat or phone call which I do not want to do.

Any suggestions?

Thanks.

Sam

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Just be careful. A lot of PDL's will agree, then still debit the full amount anyway. We've had tons of people complaining about it.

 

As for moneybox saying they "will see if you are eligible for a repayment plan", you need to get that to the OFT. The ONLY criteria that deems you eligible for any repayment plan is that you cant afford to meet the stated repayment amounts, and your I&E summary can prove it.

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 will win in the end if your stick to your guns.....WDA tried it on with me over a number of days through email tennis and then I just said "see you in court" and miracllously a repayment plan was agreed in writing in minutes......pb811 1-0 Wage Day Advance

45k Debt - June 2016

35k Debt - May 2018

24k Debt - April 2020

 

The battle is slow but I will win the war

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