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    • I've had another look at their WS and as it definitely states that they are pursuing you as the keeper in point 19 they must lose their case because their PCN is not compliant with PoFA on two counts.  First is the fact that they must have a parking period and it is quite clear that entering and leaving the car park does not constitute a parking period since some of the time the motorist is either driving around looking for a parking spot then leaving the spot and driving to the exit. All that takes time so that is one fail. The other fail is in their wording when they are trying to transfer the liability of the alleged debt from the driver to the keeper. They are supposed to include at Schedule 4 s9 [2][f] this "(if all the applicable conditions under this Schedule are met)". That in itself makes it non compliant but the fact that they haven't got a parking period means they haven't met the applicable conditions.   Looking at their contract, the names of the signatories and their positions in their respective  companys have been redacted. You do need strict proof of who actually signed. There is no specific authorisation from the Client to allow Court action in pursuit of non payers. In section 11 which is like an addendum it states" the Company shall provide parking control" but doesn't state if that includes legal pursuit as well and it does not appear to be signed.   The entrance sign does not include the T&Cs so it is only an offer to treat  not  an offer of a contract. Their only appears to be one type of sign inside the car park which is unusual and a lot of the signage is in too small a print to be acceptable in Law as capable of forming a contract. The signage also includes unlawful demands for extra charges which makes the whole contract invalid.  PoFA 2012 made it quite clear that the maximum  amount claimed was the amount on the sign. This has been reinforced by the Private Parking Code of Practice which states that no extra charges can be made over the signage figure. Indeed a Government Minister is quoted as saying that the extra charges demanded by parking companies are "a rip off" yet they still include them. They are an abuse of process and should be subject to adding exemplary costs payable to the motorist to act as a deterrent to rogue car parking companies.   They have no planning permission for their signs and ANPR cameras which means that in addition to them being unlawful because of the extra charges they are also illegal because they have not been given permission to be there under  the Town and Country [Advertisements} Regulations  1969. They are supposed to comply with the Law and the IPC code of Conduct and they have done neither. The new Private Parking Code of Practice  draws attention to it as well  s14.1 [g]  "g) responsibility for obtaining relevant consents e.g. planning or advertising consents relating to signs."   So it is not as if this is a secret-since it has been out since February 7th 2022 . You would have thought that as this Code was designed to root out the rogues in the industry that the parking industry would already have made adjustments to their activities in order to align themselves with the will of Parliament as proposed by Minister Neil O'Brien  who said   "The publication of this Code therefore marks the start of an adjustment period in which parking companies will be expected to follow as many of these new rules as possible."   Ignorance of the Law is no excuse but even Gladstones are surely aware that the extra charges are unlawful  it beggars belief that they can aver that they have told the truth on their WS.
    • Evening all,   I am looking for a little bit of advice, any would be appreciated. I am a bit hesitant in giving all the in's and out's as I am not sure of the forums procedures and I do not want to compromise my situation.   Basically as a result of a few issues in my life inflicted/self inflicted I ended up in a bad situation financially. A company brought a debt off a lender I had used and took me to court, I really mis-managed this and although I attended court with a case the verdict went against me. I accepted this but never heard anything back from them and admittedly as I was struggling didn't pro actively seek them out to make payment. So, on my Credit report I had a CCJ due to expire Sept. 2022, which I associated to that particular incident. Anyhow, I have recently received a Notice of Application for Attachment of earnings order, however, this is regarding a completely different debt/Court procedure to the one I participated in. The creditor, to my knowledge has never contacted me and until this week I have never received any correspondence to this case from the creditor or county court.    Basically, I was just after a bit of advice, on how to go about this. I am worried that if my employer is advised of the CCJ, it makes my position uncomfortable, maybe untenable which will only be negative to my situation.    So can I still contest this and possibly get it removed via the courts, can I delay it for 3 months to get it statue barred, do I pay the whole amount (to a company whom brought it at a pittance) or do pay it off and if so, can the figure be negotiated and how long would it affect me credit score?   I apologise for the number of questions, and appreciate any advice. My concern is the application ruining a very good job for me.   Thanks in advance
    • Thanks, I am worried because on the citizenship application they ask if I received warning, I am not sure if TFL warning this the same police warning or not?? 
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I had taken out a loan with wonga and had repaid it in full on 29.8.2012.

This was an early repayment and my account with them was cleared.

 

They have requested a further sum of £305.99 on 31.8.2012 which has made me overdrawn.

 

They deny that they have requested it although my bank confirms that it has been requested but not authorised.

 

I have spoken to wonga several times and they keep saying that my account is clear and there is no request pending on there screen.

It is like talking to robots.

 

They have a set of rules and answers that they can give.

 

My question is.

Can Wonga.com request money from my bank (basically freezing my account so I cannot access my money) without me owing them anything. Is this stealing or fraud. If so what is my recourse. Can i charge them for trying to remove money from my account without my permission.

Please help me if you can and what actions to take.

 

My bank has told me that the money will be back in my account on monday if no authorisation has been received.

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Ask them for a final reponse in writing. Then go to your bank and get confirmation in writing that the transaction was requested. Go back to wonga and see what they say, then make a formal complaint with the oft.

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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does anyone know the wonga email addresses please, so i can email them regarding my account?

 

Thankyou

 

[email protected]. I have found them ok to deal with on the phone and they have always confirmed repayment plan by email straight after the phone call. I have repayment plan with them which is nearly finished now thank goodness. Have had to change dates a few times now but never been a problem. Good luck

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[email protected]. I have found them ok to deal with on the phone and they have always confirmed repayment plan by email straight after the phone call. I have repayment plan with them which is nearly finished now thank goodness. Have had to change dates a few times now but never been a problem. Good luck

 

I recently took out a loan with wonga which i can pay back no prpblems, i read that they send you a welcome letter, can anyone tell me if it says wonga anywhere on the envelope as i dont want my partner to find out i took a loan out with wonga.

 

Any help would be great

 

Gem x

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hi hope you dont mind me asking a question about wonga on this thread but not sure where to put question! we have had a wonga loan for a few months now, and have either paid in full and then reloaned again! or had an extension, but due to circumstance change, wife seriously ill, i am going to be unable to pay even the extension due on 19th, if i move my wages into another account so they cant take anything, would they still keep trying to take some money from the card details they have? even though my bank should decline as i have no overdraft facility, i dont think they will enter into a repayment plan until after due date has passed can they? also if i cancel my card, lost card!! can they still take from new card? will it automatically roll over to any card attached to the bank account? any help most welcome, also how can i stop them ringing my workplace??

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hi hope you dont mind me asking a question about wonga on this thread but not sure where to put question! we have had a wonga loan for a few months now, and have either paid in full and then reloaned again! or had an extension, but due to circumstance change, wife seriously ill, i am going to be unable to pay even the extension due on 19th, if i move my wages into another account so they cant take anything, would they still keep trying to take some money from the card details they have? even though my bank should decline as i have no overdraft facility, i dont think they will enter into a repayment plan until after due date has passed can they? also if i cancel my card, lost card!! can they still take from new card? will it automatically roll over to any card attached to the bank account? any help most welcome, also how can i stop them ringing my workplace??

 

I would phone them on day payment is due and explain your circumstances. Ask for repayment plan at amount you can afford and ask that they freeze further interst and charges as you are having financial difficulties. I found them okay to deal with on the phone and they confirm everything by email immediately. They will not phone your work as long as they have personal contact number foryou and you don't ignore them. they have never tried to contact me at work and I have been dealing with them for a while now. Don't know about payment from your card but if cancelled card shouldn't come off new card as different details. good luck

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hi hope you dont mind me asking a question about wonga on this thread but not sure where to put question! we have had a wonga loan for a few months now, and have either paid in full and then reloaned again! or had an extension, but due to circumstance change, wife seriously ill, i am going to be unable to pay even the extension due on 19th, if i move my wages into another account so they cant take anything, would they still keep trying to take some money from the card details they have? even though my bank should decline as i have no overdraft facility, i dont think they will enter into a repayment plan until after due date has passed can they? also if i cancel my card, lost card!! can they still take from new card? will it automatically roll over to any card attached to the bank account? any help most welcome, also how can i stop them ringing my workplace??

 

Sorry to interupt your thread, did you ever receivea welcome letter from wonga?

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Hi what i did when i had a wonga loan was close my bank accounts that they held as a payment source, and re-opened new ones, they will keep trying to take money from that account so there is no way of stopping them, that is what i was advised when i went to a debt management company.

They should not phone your work, if they do tell them to stop as you will lose your job, they are normally very good., any cards that are linked to that bank account they will take money from, that is why i said close your account and open a new one, they cant touch your new account.

Hope that helps

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You say they are normally very good. If they were good, they wouldnt even consider contacting your employer for any reason.

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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