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    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now. PS  Yes I meant to say that the keeper did not have a licence therefore it was wrong of them to assume he was the driver and the keeper. Thanks for picking that up.
    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (2)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; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
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      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.  

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      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.

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      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
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Advice needed re: Settlement


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Hi - have been clearing the majority of my payday loans with the help of my father, and after a lot of persistence I have managed to get Wonga to send me a settlement figure. It seems reasonable to me, as it works out to be less than the original loan + 1 months interest, which is what I have been attempting to get all of them to settle for. Here is the offer, which came via E-mail. Assuming they will accept payment by bank transfer, I am leaning towards accepting it and paying them in full. Would appreciate any feedback from those that have dealt with Wonga as to whether this is a good deal for them, and if they can be relied upon to honour it. Here is the E-mail offer I received - Thanks in advance for your help :) (Original loan was £1084 and I had previously had probably 20+ loans with them all repaid on time)

 

 

Hi

 

We appreciate you getting into contact with us about your loan, we have taken a look into the matter and this is what we have come up with.

 

Our Finance team has generated a once off settlement balance, given your current balance of £1579.33 to date and account in arrears - £1184.00 is what will be accepted as settlement of the loan. This offer is valid until 19 September 2012.

 

Could you please respond with confirmation that you accept the terms above?

 

 

Wonga.com

Hardship Team

PO Box 66147

London

NW1W 8PF

 

Our office is open Monday to Friday, 9am to 6pm so please do not hesitate to get in touch.

 

Kind Regards,

Hardship Team

Wonga.com

[email protected]

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Hmm. How much was the original debf and have you had a full breakdow of the account. Discounts usually, although not always, mean theres a big problem with the debt.

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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Original loan was £1084 and its 92 days overdue, so presumably at the point where its about to be passed to their DCA?

 

The current balance they quoted is basically just the original loan amount plus interest for last 90 days. I had a large number of loans from them in the past which were all paid back on time.

 

It seems a fair deal to me. As far as I can see there is nothing wrong with the loan, unless I am missing the meaning in what you say?

 

I am waiting for them to confirm it in writing once again and send me the bank details etc to transfer to, and then I guess I will decide.

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You don't mention if you have made any other payments towards the outstanding balance prior to this offer being made. If you haven't then that means they are only looking to charge you £100 interest on the original loan amount which sounds like a very fair deal to me - as long as you get confirmation in writing that the debt is settled and will not be passed on to any other parties of course!

 

Cheers,

MB78.

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Sorry I see what you mean now - no I never made a payment on this loan, so agreed I think its very fair. Presumably an E-mail such as the one I pasted above is okay as far as proof of arrangement? I will be paying by transfer so they wont have any debit card details to re-attempt anyway, plus I think Wonga are not as bad as the others as far as that kind of thing goes, at least thats what I heard?

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Sorry I see what you mean now - no I never made a payment on this loan, so agreed I think its very fair. Presumably an E-mail such as the one I pasted above is okay as far as proof of arrangement? I will be paying by transfer so they wont have any debit card details to re-attempt anyway, plus I think Wonga are not as bad as the others as far as that kind of thing goes, at least thats what I heard?

 

Sorry to interupt your threadbut did you ever receive a welcome letter from wonga?

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I don't think so no. Not sure have ever received actual mail from them. Even since being overdue for so long. Why you ask?

 

I took a loan out with them last week and it says you will receive a welcome letter and i have been worried that the wonga logo will be on the envelope - dont want my partner to find out

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I think with Wonga you are safe on that front. It defiintely wont be on the outside of the letter either way. The only ones that sent an unwelcome welcome letter to me were payday express (who continue to send me offers now even though I asked them to close my account when I settled with them) and Payday UK

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Hi - have been clearing the majority of my payday loans with the help of my father, and after a lot of persistence I have managed to get Wonga to send me a settlement figure. It seems reasonable to me, as it works out to be less than the original loan + 1 months interest, which is what I have been attempting to get all of them to settle for. Here is the offer, which came via E-mail. Assuming they will accept payment by bank transfer, I am leaning towards accepting it and paying them in full. Would appreciate any feedback from those that have dealt with Wonga as to whether this is a good deal for them, and if they can be relied upon to honour it. Here is the E-mail offer I received - Thanks in advance for your help :) (Original loan was £1084 and I had previously had probably 20+ loans with them all repaid on time)

 

 

Hi

 

We appreciate you getting into contact with us about your loan, we have taken a look into the matter and this is what we have come up with.

 

Our Finance team has generated a once off settlement balance, given your current balance of £1579.33 to date and account in arrears - £1184.00 is what will be accepted as settlement of the loan. This offer is valid until 19 September 2012.

 

Could you please respond with confirmation that you accept the terms above?

 

 

Wonga.com

Hardship Team

PO Box 66147

London

NW1W 8PF

 

Our office is open Monday to Friday, 9am to 6pm so please do not hesitate to get in touch.

 

Kind Regards,

Hardship Team

Wonga.com

[email protected]

 

That seems pretty good since some of these payday companies charge ridiculous amount of interest ie payday overdraft - took a loan out for £150 and ended up with a balance of £2600

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I think with Wonga you are safe on that front. It defiintely wont be on the outside of the letter either way. The only ones that sent an unwelcome welcome letter to me were payday express (who continue to send me offers now even though I asked them to close my account when I settled with them) and Payday UK

 

I really hope so it was just a silly thing I did - i wish i never applied for it now.

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hi hope you dont mind me butting in on this! but i just cant afford for payment to come out of my account this month, wife is really ill and we are desperately short of money, have either paid in full or had an extension up till now, its due to be paid in 2 weeks time, i really dont want them ringing my work how can i stop them doing this? any info most welcome please, also if i cancel my card will it def stop them taking my money?? many thanks

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hi hope you dont mind me butting in on this! but i just cant afford for payment to come out of my account this month, wife is really ill and we are desperately short of money, have either paid in full or had an extension up till now, its due to be paid in 2 weeks time, i really dont want them ringing my work how can i stop them doing this? any info most welcome please, also if i cancel my card will it def stop them taking my money?? many thanks

 

Have you already defaulted and on the repayment plan or do you mean the total loan amount is due in two weeks? If the former then you can ring up and ask them to ammend the date/ammount on your repayment plan. If the latter then you can default, make sure you have no money in your bank account for them to take and then get in contact with them to set up a repayment plan.

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no as yet i have not got a repayment plan or defaulted, but it will def default in 2 weeks time, is it best to email them, really dont want to ring them, also how do i stop them, if they will, from phoning my workplace? do i email them to ask for repayment plan on day of default? also if i cancel my card will it stop them from taking money from my account as i have read that they still can? many thanks

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I am not sure there is any way you can definitely stop these crooks doing anything. Obviously you can stop them taking the money by cleaning out the account, although I will say this - Even after we cleaned out our bank account and cancelled the debit card on it, the bank still paid some debit card payments, and after much back and forth on the phone and in branch, I got them to put, in writing, that even after a card has been cancelled it is possible for these companies to charge it. It all depends on how they do it - a lot of them have found ways round the system by back dating the requests etc - So make sure you protect yourself completely. I have ended up with an additional problem with my old bank now because of it.

 

As for the calling work thing, they did call mine a couple of times, on the day the loan was first due and not paid. Only Minicredit and Payday UK did this, and they had to really apply themselves to get the number too as I only put down the head office details, not the actual branch where I work. So they had to somehow get this info from them (another story).

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I am not sure there is any way you can definitely stop these crooks doing anything. Obviously you can stop them taking the money by cleaning out the account, although I will say this - Even after we cleaned out our bank account and cancelled the debit card on it, the bank still paid some debit card payments, and after much back and forth on the phone and in branch, I got them to put, in writing, that even after a card has been cancelled it is possible for these companies to charge it. It all depends on how they do it - a lot of them have found ways round the system by back dating the requests etc - So make sure you protect yourself completely. I have ended up with an additional problem with my old bank now because of it.

 

As for the calling work thing, they did call mine a couple of times, on the day the loan was first due and not paid. Only Minicredit and Payday UK did this, and they had to really apply themselves to get the number too as I only put down the head office details, not the actual branch where I work. So they had to somehow get this info from them (another story).

 

You didnt cancel the CPA that was on the account. You MUST do this when dealing with PDL's, as they will exploit it. They have also been known to pass account details around different PDL's and those PDL's debit money even though you never had a loan with 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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