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    • Hi Firstly did you send the Formal Complaint letter I mentioned in post#6 and also did you send a SAR Request??? Right whoever that was from the Housing Association that stated they can do what they want is very sadly wrong and what they had just done by attending your property and trying to change the lock without a Possession Order from the Court is classed as an ILLEGAL EVICTION as a Notice to Quit does not give the Housing Association the Power to attend you Property and try to change the locks. You need to remember if you leave that property with no possession order from the courts and try to get the council to house you as homeless you will be classed as intentionally Homeless therefore you have no right to be given temporary housing by the Council. (as mention in my post=6). You need to do two thing urgently and they are another Formal Complaint to the Housing and to contact them by phone and not ask but demand to speak to the Housing Manager as to why they tried to carryout and Illegal Eviction without a Possession Order from the Courts by trying to change the Locks to your Property.   Dear Sir/Madam FORMAL COMPLAINT Reference: ATTEMPTED ILLEGAL EVICTION WITHOUT A POSSESSION ORDER FROM THE COURTS Today 18th June 2024 at approx XXXXhrs a Housing Officer attended my Property with a Locksmith to change the locks to my property unaware that I was in the property at the time and breaking into my property all caught on my doorbell camera. When challenged by myself on this matter that the Housing Association required a Possession Order from the Courts to even think about changing the Locks to my Property your Housing Officer was obnoxious and insisted that the Notice to Quit letter gave him all the powers he required to therefore change the Locks to my Property. What the Housing Association have just tried to do is to carryout what is classed as an ILLEGAL EVICTION as you did not have a 'POSSESSION ORDER from the COURTS' and a 'Notice to Quit' Letter does not give your Housing Association Carte Blanche to carry out such action as a Notice to Quit Letter is only the start of any Housing Association process for evicting a Tenant as your Housing Association should be fully aware of. The actions of your Housing Officer were all recorded on my Mobile Phone as well so I have full evidence of the Housing Association actions in attempting an Illegal Eviction which I will also by making the Courts fully aware of when you take this to Court to get a Possession Order. The actions of the Housing Association and specifically your Housing Officer have caused untold stress due to the above and I require an urgent meeting to explain your actions due to the above actions which I find absolutely disgraceful by the Housing Association and also require the following: 1. Your Eviction Policy (not the leaflet) 2. Copy of your Complaints Policy (not the leaflet) 3. Copy of your Customer Care Charter (not the leaflet) 4. Copy of your Equality and Diversity Policy (not the leaflet)   
    • the same 3 question on the n180 are asked before the mediation can begin. so you then say ... despite numerous requests dating back over 1yrs the claimant nor their sols have supplied me with requested paperwork to enable me to make an informed decision upon entering into mediation. i therefore refuse. you are doing the same thing again you did last year  https://www.consumeractiongroup.co.uk/topic/458251-linkkearns-claimform-old-barclaycard-debt-now-n244/?do=findComment&comment=5232418    
    • I'm compiling a brief list of points to state in tomorrow's mediation call.  it would seem that I have to come to an agreement of some sort. Seeing as most of the defence, lack of genuine paperwork evidence from the claimant, mild threats etc. seems to go in my favour, is it best to mediate for that agreement or to let it run to court?  Short of the 6 year rule playing out, I'm going to have to pay up somehow, so why don't I just end it tomorrow? By paying I mean, not hurling myself off a cliff.    
    • @ReuTheo Thanks very much. Coincidentally, it has now been exactly over 1 year since I sent my parcel with Evri and began my enquiries with them as to where my parcel is (and eventually coming to this forum / starting this thread). I understand how you are feeling. It's why I kept this thread active and detailed, so anyone who reads it, can clearly understand what was happening at each stage of the process, so they don't feel anxious or overwhelmed with the process through MCOL, mediation, arranging for trial, working through the WS / Court bundle, and finally going in front of a judge. The work has been put in so hopefully you (and everyone else) now has a good WS template to use and build the case. I agree the legal language and specifics are not easy to understand at first glance by layman / non-legal persons. What I found useful is reading the WS and researching some of the Acts in my own time so that I could understand the legal speak. This reading / research really helped me to have a clear idea of what the rules/laws are and how they apply to my case (and likely your case also). As you know, this is a self-help forum so you certainly got to put in the time/work to understand your case/argument. It will be worth it in the end (I say this from personal experience - given this time last year, I was banging my head against a wall with Evri and couldn't see the light at the end of the tunnel). Above all else, the team on this forum such as @BankFodder and @jk2054 are a tremendous help with getting the WS in the right state and giving guidance. Don't be afraid to ask questions on this forum - it's for your ultimate benefit (even if sometimes the responses seem harsh - don't take it personally. If my experience is anything to go by, it'll help give clarity and maybe even close a potential gap in your case). Good luck with your case.
    • Savers are pouring money into cash Isas as they look to protect the interest on their nest eggs from tax. They put more than £11bn into cash Isas in April.View the full article
  • 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

E-mail addresses for PDL Companies


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Hello

 

I have gotten into a bit of a mess with these Payday Loans ... I have five, all of which I am not going to be able to pay on Friday ...

 

Following advice on this site I have already set up my new bank account and transferred all my DDs (except the PDL ones) ... tomorrow I am closing my old bank account (just to make sure they cant take me overdrawn), changed my bank details with work for my salary and contacted HMRC for my child benefit ... I have also contacted Payplan and done my budget with them and they are going to set up a DMP for me (I have older debts which I am still paying off also).

 

My question is ... do I wait for the payday loan companies to contact me (I will not speak them on the phone other than to give them my Payplan reference number and that PP will be in touch), or do I inform them tomorrow of my situation (this I would prefer to do by e-mail).

 

Does anyone have the e-mail addresses for the following ...

 

Wonga

Quick Quid

Payday UK

Payday Express

WageDayAdvance

 

Advice appreciated

 

Thankyou

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My advice is different to most on here, I would speak to them on the phone it makes it easier to deal with them and then have everything confirmed in writing if you agree any plans on them. Inform them as early on as possible in the end they'll find out anyway! The earlier on you do it the cheaper the debt should be because in affect you contacted them before payment was missed so charges incurred should be kept to a minimum. you seem to have 5 of the larger lenders so I don't think you'll get taken to court by them but they don't necessarily have to accept your DMP, some lenders may offer you a plan if you pay them direct rather than going through a DMP. Doesn't change the rule to not give your bank details to them though, so beware.

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If you phone, make sure you record the call. If you cant then dont phne them. However you can demand a transcript by email within 48 hours. If you dont get one, then dont pay until you do. However its better to communicate in writing so theres a full and complete paper trail which you will need should they decide to go through the courts.

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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although I do agree in writing is always better with some company I have had to speak to them to agree a repayment plan which I always follow up by subsequently recieving in writing before any payment will be made.....if you can listen through the bullsh1t you can sometimes do better over the phone

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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Oh sometimes you can sure, but for those who are new to dealing with PDL's and debts CAG ALWAYS advises to keep everything in writing. As ive mentioned before, you need a paper trail. A lot of creditors will start intimidating you over the phone, as well as pressuring you to higher repayment plans. Then when asked by a regulator or investigator, they will simply say thats what YOU suggested and agreed to. We've seen it happen many times before.

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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And just in case you still need the e-mail addresses you requested: :-)

 

Wonga: customercare@wonga.com

Quick Quid: support@quickquid.co.uk or in your case it might be better to send to resolution@quickquid.co.uk

Payday UK: loan.agreements@memcapital.com

Payday Express: info@paydayexpress.co.uk

WageDayAdvance: collections@wagedayadvance.co.uk

  • Confused 1

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 all for your replies ... and thank you PDLVictim for the e-mail addresses :-D

 

I am today cancelling all DDs and closing my bank account ... just waiting for the phone calls to start on Friday when all my payments are due :frown:

 

I have to admit I am scared

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Don't be - why don't you email them before you default. It will make it easier, from experience.

 

I have e-mailed them today ... Thought it was the best thing to do ...

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Well today was PDL repayment day ... if feels good to be in total control of my wages today :-D

 

So far not been too bad ...

 

Wonga - not due for payment until 6th Aug but have e-mailed them anyway to advise of situation, they replied asking me to get Payplan to contact them

Quick Quid - several e-mails back and forth over the last couple of days, they have e-mailed Payplan direct requesting confirmation of my DMP with them

PayDayUK - have agreed to suspend any action on account for 30 days in order for Payplan to get in touch

WageDayAdvance - have received one e-mail and 2 txts but nothing since 09:57 this morning, I have e-mailed all Payplan details to them and requested they hold account for 30 days

 

Now for the troublesome one ... PayDay Express ... 2 txts, 1 e-mail ... not so bad you might say ... until they started with the phone calls ... 08:44, 09:00, 10:57, 12:00, 13:20 & 14:55 from 0203 236 0205, I answered the call at 12:00, refused to answer their "security questions" and simply informed them that I have e-mailed them and all further correspondance to be in writing ... didnt work tho!!!! I also have a call at 10:58 from 0115 827 3310 which I believe is their number also.

 

God only knows if they have been calling my work as I am on holiday today ... I dread to think :|

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Now for the troublesome one ... PayDay Express ... 2 txts, 1 e-mail ... not so bad you might say ... until they started with the phone calls ... 08:44, 09:00, 10:57, 12:00, 13:20 & 14:55 from 0203 236 0205, I answered the call at 12:00, refused to answer their "security questions" and simply informed them that I have e-mailed them and all further correspondance to be in writing ... didnt work tho!!!! I also have a call at 10:58 from 0115 827 3310 which I believe is their number also.

 

God only knows if they have been calling my work as I am on holiday today ... I dread to think :|

 

UPDATE ...

 

After numerous calls on Friday and then again on Saturday (but only until lunchtime) I answered one call on Sat and repeated current situation and told them all correspondance in writing again. They said they had not received my e-mails and gave me another address to which i forwarded all my previous e-mails ...

 

Heard nothing on Sunday but the calls started again this morning ... However last call was at 10:15 and nothing since!!!

 

Maybe my 15 e-mails have done the trick :)

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Spoke too soon :(

 

Just leaving work and they phoned again ... I went through the whole thing again ... apparently they cant deal with me in writing and they have to speak to me on the phone ... I got a little angry but tried to stay calm ...

 

God they are awful ... Never again will i take out a payday loan ... :(

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They can deal with you in writing. If they insist on phoning you then treat it as if you never got the call in the first place. It is your legal right to have everything in writing, should you need to form a defence for court.

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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  • 4 months later...
Hello

 

I have gotten into a bit of a mess with these Payday Loans ... I have five, all of which I am not going to be able to pay on Friday ...

 

Following advice on this site I have already set up my new bank account and transferred all my DDs (except the PDL ones) ... tomorrow I am closing my old bank account (just to make sure they cant take me overdrawn), changed my bank details with work for my salary and contacted HMRC for my child benefit ... I have also contacted Payplan and done my budget with them and they are going to set up a DMP for me (I have older debts which I am still paying off also).

 

My question is ... do I wait for the payday loan companies to contact me (I will not speak them on the phone other than to give them my Payplan reference number and that PP will be in touch), or do I inform them tomorrow of my situation (this I would prefer to do by e-mail).

 

Does anyone have the e-mail addresses for the following ...

 

Wonga

Quick Quid

Payday UK

Payday Express

WageDayAdvance

 

Advice appreciated

 

Thankyou

 

 

I'm so please in not the only twit that has done this! Lol in fact mine are the exact same companies!!!

I have just started a dmp and I have today sent emails to them all today after reading this! The only one to bounce back was mem, think they are going to be trouble.

The only difference is that I just phoned the bank and said I lost my card! So they sent a new one and all the payday loan company's can't get to my money :-) coz the long number has changed! That's the only way they can get to your account.

Saves going through all the opening a new bank account lark

But I must admit, I get paid in a few days and I'm also waiting for the phone to ring 24/7

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