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    • Thanks London  if I’ve read correctly the questionaire wants me to post his actual name on a public forum… is that correct.  I’ve only had a quick read so far
    • Plenty of success stories, also bear in mind not everyone updates the forum.  Overdale's want you to roll over and pay, without using your enshrined legal right to defend. make you wet yourself in fear that a solicitor will Take you to court, so you will pay up without question. Most people do just that,  but you are lucky that you have found this place and can help you put together a good defence. You should get reading on some other Capital One and Overdale's cases on the forum to get an idea of how it works.  
    • In both versions the three references to "your clients" near the end need to be changed to "you" or "your" as Alliance are not using solicitors, they have sent the LoC themselves. Personally I'd change "Dear ALLIANCE PARKING Litigation Dept" to "Dear Kev".  It would show you'd done your homework, looked up the company, and seen it's a pathetic one-man band rather than having any departments.  The PPCs love to pretend they have some official power and so you should be scared of them - showing you've sussed their sordid games and you're confident about fighting them undermines all this.  In fact that's the whole point of a snotty letter - to show you'd be big trouble for them if they did do court so better to drop you like a hot potato and go and pursue mugs who just give in instead. In the very, very, very, very unlikely case of Kev doing court, it'd be better that he didn't know in advance all the legal arguments you'd be using, so I'd heavily reduce the number of cards being played.
    • Thanx Londoneill get on to it this evening having a read around these forums I can’t seem to find many success stories using your methods. So how successful are these methods or am I just buying time for him  and a ccj will be inevitable in the end. Thanks another question is, will he have to appear at court..? I am not sure he has got it in him
    • Here's a suggested modified version for consideration by the team. (Not sure whether it still gives too much away?)   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you added. Shall we raise the related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding parking periods. Especially with no consideration of section 13 in your own trade association's code of practice and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked, unmanaged over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the above issues and more, with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture a couple of useless ANPR photos. If you insist on continuing this stupid, money grabbing quest, after having all of the above pointed out, we will of course show this letter to the Judge and request “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Signed, "Spot". (Vehicle Keeper's pet Dalmation).
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The Cash Store.... help


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Hi i need some help... first il outline this company, how they work, and what the present situation is.

 

i had some PDL's and fter christmas i was walking along the high street and i saw this new shop. i called in and asked how it worked. the stated they needed bank statement, prof of address, payslip, 5 references.

 

i explained i didnt have payslip as i was on day off, and would call back, they said its okay lets see your bank statement, and we will go from there. in filling the forms out they asked for 5 references, though they wanted to ring all 5.i explained i was happy for 2 calls but thats it. they then backed down and said ok, we will just ring the other 3 numbers to make sure the line rings.

 

i thought there is no way they will give loan as i had other pdl's on my statement. they came back to the desk an said they can give 50% of my wage. i took £500. i was working lots of ot , so could afford it.

 

Now with this shop their APR is around 59%, however they charge a brokerage fee, which brings the fee's in line with onlne PDL's.

 

i called in on Feb to pay the loan, but needed to reloan. they looked t my bank statement and i had earned more in feb they increased my limit, again without askign for a payslip. gullible me, i took more, now it was around £700. i paid that back, and paid 1 or 2 of th epter pdls, but reloaned a higher amount in march. around £800. i get paid in the middle of the month an towards the end, work had scrapped the ot, and i was somewhat uo creek street, so i called in 2 weeks, and avised them i couldnt repay in full in march. the woman seemed nice enough saying i should pay as much as i can. i said maybe £50, she said that will cover interest.

 

comes april i call in, pay £50. another member of staff came up, and bullied me into giving a figure to pay in may which was unrealistic, but i said aye so i could leave the shop. after this i decided i needed help and called PayPlan who have set up a DMP and have been paying them.

 

In April i got a letter saying i owed £1020.

 

ONce i defaulted in april i was harrassed for 3months by text messages, very few calls, but up to 5 textes a day. i tarted keeping some of them..

 

one of the messages was this:

 

No Payment has been recieved towards your balance, we will now be looking to contact your employers or references if you dont contact us today

 

another was:

 

a telephone message was left saying collection officers would call at my door if not paid.

 

anyway after a lot of arguinf the texts stopped. and they recently rejected the offer from payplan, though e continue to pay.

 

now i have recived letter stating i can have a fantastic 75% discount off, so i should pay £890 before end of august!!

 

now if that is 75% off, they have my balance on a loan of £800 at near £3600. consider the apr is 59%. the interest accrued from april on the £1020 is maybe £200-£250 so they have wacked on near £2000 of charges..........:-x

 

the letter they sent also stated this:

 

this is a 'clear the slate offer', the added benfits of paying are:

 

no more late charges/accrued interest

no home visit debt recovery company cost to you

no baliff costs to you

no adverse effect on credit rating

no legal fees

no more worry.

 

help!!!

should i go into the shop and ask for all information they have on me? you know my customer file????

 

thanks

an sorry for the long post.

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Hello and welcome to CAG.

 

I'm sorry you haven't had any replies yet, it's probably because the site is quiet at weekends and of course there's a lot of sport on TV today.

 

I hope the guys will be along later with advice for you.

 

My best, HB

Illegitimi non carborundum

 

 

 

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Sounds like you've run into a sc@m outfit. They know that they could never claim that amount in court and the charges are ficticious and there purely to give them more money. Thats why they gave you 75% off.

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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Toothfairy/Speedcredit are MUCH worse.

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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Speedcredit are a diff company. If they are the same as minicredit, then you need to get in touch with the OFT.

 

Currently they are investigating Speedcredit, toothfairy, NDR, Marshall Hoares Bailiffs and one or two other companies, as they are the same company, the same people run them, but they all have separate licenses.

 

 

As for the name microcredit, i dont think its an actual name. More of a trading name they are using. Speedcredit is owned by MEM finance.

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 pigsmightfly80,

 

I would not go into the shop as they might talk you into things. I would instead write them a letter or email asking for a complete and full breakdown of your current debt with them. Once you have this post it here and we might then be able to advise on the next best steps...

 

@renegadeimp: Not MEM, but MCO

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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