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    • If you are absolutely certain* that you were parked OK, write a letter of complaint to the Headteacher and copy in the Chair of the school governors.   If you or the car were identifiable in any way from the photo (eg visible registration number, driver's face etc) I would very politely write that you resent the untrue suggestion that you had parked/had stopped/were waiting in a way that contravened any traffic regulations, and that you are sure that the school will understand that you would like an apology and a correction to be printed in the next newsletter.  (You can also clearly state that you were identifiable from the photo because other parents have mentioned it to you).   See if that works.   You don't want to go to court for defamation as you'll need access to about £10k in fees before you get out of bed.  You just want an apology and a correction.  If what you've told us is accurate, I don't see any reasonable school failing to say sorry.     *My wife is a former school governor and my experience listening to her is that very very few parents actually understand the meaning of the no stopping/no waiting signs and road markings outside schools.  Don't complain unless you are sure you weren't stopped where you shouldn't have been.
    • And they haven't offered a speed awareness course either?  (Have you done one in the last three years or is this in Scotland?)   And is one of the notices for 34 in a 30?  As Man in the Middle says, that ought to be below the level at which they take action.   (And sorry - I don't want to appear preachy - but...  there don't have to be any warnings or signs or lines on the road to advise you of the presence of speed cameras.  If you get away with an exceptional hardship argument you will need to stick to speed limits in future - whether you know there are cameras there or not.  NB Don't know if this applies to you, but most 30 mph limits are restricted roads with a system of streetlighting and don't even need speed limit signs - you are assumed to know this from the Highway Code).
    • It's up to you if you want to pay £300 you don't owe plus whatever Unicorn Food Tax with no basis in law whatsoever that they will have made up in the Letter Before Claim.   We'd prefer you didn't.   But you have received a LBC so it's make your mind up time.   So please    - post up photos of the signage in the dark that you'll have taken two months ago (post 14)    - post up details of planning permission for their signs you'll have found out after you got onto the council, again two months ago (again post 14)    - also let us know if you agree with Brassnecked's excellent letter or if you'd like to tweak bits depending on what you've found out    - upload the LBC.  Some of them are appallingly drafted and invariably contain Unicorn Food Tax which is all useful extra ammo    - also, where are you living now (post 35) and are you comfortable with legal communications arriving at your parents'?   If you look in our PPC Successes thread at the top of the page, you will see 275 times these cheats have been seen off with their tails between their legs (and all had the same "well known legal companies" (ho! ho!) on hand).  In reality 275 times is a massive underestimate, in all 275 cases there was a "moment of victory" IYSWIM where the PPC were thrashed in court or discontinued a claim or were called off by a supermarket chain, etc., etc.  There will have been at least that number again where they were told to Foxtrot Oscar and then crawled back under their stone.  They are eminently beatable but logically when you're in legal dispute you have to put some graft in to beat the other party.
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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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Had a response from Quick Quid this morning asking for my case officers name and telephone number ... I assume its ok to give them this information???

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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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