Jump to content


  • Tweets

  • Posts

    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. So 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. And 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. So 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.
    • Farage rails and whines about not being allowed on the BBC ... ... but pulls out at the last minute of a BBC Panorama interview special. It was denied it was anything to do with his candidates being outed as misogynists and Putin apologists, or that farage was afraid Nick Robinson might throw some difficult questions at him ... despite farages recent practice at quickly cowering in fear.   It was claimed 'it wasn't in Nigels diary'     Nigel Farage pulls out of BBC interview at last minute amid Hitler row WWW.INDEPENDENT.CO.UK ‘Panorama’ special postponed as Reform UK party faces row over candidate who claimed UK would have been ‘better off’ if it had...   Waaahhhh
    • i'd say put lowells to strict proof of where the payment came from. cant hurt to send SB letter, even if proved not. at least they get your correct address. they'd have to link the old IVA times scale to a payment  these IVA F&F pots (if thats where it came from) most mugs dont even know they are not only taking most of your payments on fees but also creaming money off to supposedly offer F&F's.  funny when the IVA fails or is complete these sums of money in F&F pots never get given back or even mentions... these IVA firm directors esp with regard to knightsbridge and creditfix were fined and struck off more times than Paul Burdell of Link Fame and still managed to continue to scam people.
    • Hi everyone, I received a charge certificate with a charge of £165  in April 2022 however I never received a PCN and NTO before that. I responded by requesting original PCN reissued in the hope of getting discounted rate which was refused however I was offered to pay £110. I received an Order of Recovery in May 2023 and submitted a witness statement on time by email to get the original PCN re-issued. I received a Notice of Enforcement in February 2024 I contacted TEC that I had submitted TE9 on time and they advised me to submit a late witness statement and TE7. I did as advised and also attached the original email and witness statement as proof to show that I had submitted my witness statement on time. The council disputed my late witness statement by saying that I likely received the PCN and that I did not submit a valid late witness statement without specifying why it's not valid. The court refused my late witness statement without giving any reasoning behind their decision (so much for the transparency). This is really outrageous as I did attach the proof of submitting the witness statement on time and it seems like the court just decided without looking at the case files. Can someone please advise me what should I do now? Any help is appreciated. I have attached all the documents below.   Documents.pdf
  • Recommended Topics

  • 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
  • Recommended Topics

payday loans help..


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4286 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

oh dear..i need advice..i took out 2 payday loans..and were due to be paid back...unfortunately had my hours greatly reduced last month and now being made redundant at christmas..i could not pay as my income i received just payed my rent and council tax...i emailed them to let them know...and as a good will gesture would pay them 10.00 per month paid into there account...they have emailed me back...saying i dont meet there criteria..and need to send in proof of my payslips ..employment letter...i am not lying..and dont see why i should...i emailed them back..to say this is not negotiable and to give me there account details to pay the 10.00....i sent them a income and expenditure sheet..and basically my outgoings are more than my income..so am stuck and really worried...can i get some advice please..as i know i took them out..but wasnt expecting a sudden change in hours..i also informed them to make all communication via email..and to stop telephoning me 10 times a day..this is becoming a pain...xxx

Link to post
Share on other sites

We need more info. Copies of.letters minus personal info, names of pdls amounts you actually owe, amounts they say you owe, breakdown of accounts etc.

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

Link to post
Share on other sites

hi have received no letter at all..when i knew i couldnt pay..i contacted them asap...express finance is 240.00...payday uk..is 240.00.....sent them inncome.expenditure to both ..and paydayuk..have responded saying i dont meet criteria..unless i can prove this...my income are far less than my outgoings..and basically now reduced to 12 hours a week...barely covers my rent and council tax...in which im afraid take priority..have explained to them via email...and they have responded via email asking for proof...

Link to post
Share on other sites

You dont need to supply "proof"

 

All you need to do is send them a basic I&e form and sign it as a declaration of truth or fact. if they dont like it then tell them they arw getting £1 a month.

 

Pdls are low priority lenders despite the crap that they might try and tell you.

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

Link to post
Share on other sites

I would say if your income is less than your outgoings then payday lenders are the last people you should pay, make sure you have enough to pay the important bills like food and rent. They can't do anything apart from threaten you with bailiffs and court - so if you can ignore this then i wouldn't be in any rush to pay the loans at all.

Link to post
Share on other sites

They cant even threaten bailiffs. IF they do, its a breach of OFT guidance and MUST be reported. As for ignoring them, you could do, but its better to write a simple letter that states you cant pay and also provide a basic budget summary and sign it as a declaration of fact.

 

They have no way to continue to harass after this, as you have signed the form in a lawful way. If they do keep harassing, then off to the regulators and trading standards you go.

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

Link to post
Share on other sites

PayDayUK are a nightmare to deal with. I have 4 PDLs and all but PayDayUK have agreed to my repayment plan, and I owe PayDayUK the least of the four!!!

 

I spoke once initially to them on the phone and the guy tried to be very aggressive with me...bad idea!!! and they have tried to threaten court proceedings .. I've basically told them I'll see them there!!

 

I produced an I and E for all the companies and only PayDayUK had a problem with it, so as far as I'm concerned, they can take it up with a judge .. they are going to end up getting less from me per month than I initially offered!!

 

Main thing, do NOT be intimidated, threaten to report them to OFT if they try the bully boy tactics and keep ringing, and if they threaten you with court, go with it ... they are not a priority debt, remember that!

 

Should I receive any court hearings I will update with the result.

Link to post
Share on other sites

express finance..are a nightmare..ringing me 10 times a day..texting me...ive emailed them and asked them to stop..but wont....ive sent them a i.and e form...showing my income is less than my outgoing...ive asked for the account details..to pay them a small amount each month..but telling me i have to ring them...last time i did..he was very rude..and demanded a payment..i told him i dont have it...and said oh well we take you to court then...i said ...do that then...you get 1 pound a month....xx yet calls still coming...not replying to email about where i send the money to as a good will gesture...nothing....

Link to post
Share on other sites

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

Link to post
Share on other sites

Be very VERY careful as they will agree to a repayment plan by phone just to get your payment details, then a few days later, they will decimate your bank account. We've seen it here hundreds of times. Can you create a new thread and tell us what happened, how you solved your issue, and info about the PDL's you were in debt with?

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

Link to post
Share on other sites

Hi . After your posts to me last night I had a think. I have switched my wages to go into a new account and set up all my direct debits from the new account so the pay day lenders cant access any of my money. I have also gone onto a debt management plan and provided them with all the pay day lenders details and amounts that I owe.. have I done the right thing?

Link to post
Share on other sites

Yep. Just be warned that some PDL's might say you owe more. They do this because a DMP can only go by what is said. It is up to you to tell them otherwise.

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

Link to post
Share on other sites

They're called legal loan sharks for a reason. They dont care about you. All they care about is getting as much money back from you as possible. Thats why their interest rates are so high, and you have **** like Oliver Larholt owning the absolute worst of 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

Link to post
Share on other sites

Who is Oliver? how do they get away with it though and how are they legal! now I know why its so hard to get credit from banks etc, its like that for a reason! so we dont end up getting snowed under debt. I learnt the hard way. I am on the plan for 7 months and cant wait till it finishes so I can have my income for myself and my partner! i rang all the pay day companies today aswell and gave them a new work number (a wrong one) so come the end of the month when i default on them they cant call my work

Link to post
Share on other sites

Oliver owns toothfairy/speedcredit and the other companies that supposedly arent attached to each other.

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

Link to post
Share on other sites

the worst thing is, after me contacting all the pay day lenders yesterday to tell them i cant pay, i get a txt from a couple of them today offering me more money!!!!! what is wrong with these people

 

I would suggest reporting those advertisements to the OFT, send them to the Watchdog as well, while it won't achieve much directly it can't hurt to expose such highly irresponsible lending practices.

Link to post
Share on other sites

It will look bad against them as its a direct violation of OFT guidance which states that debtors should never be encouraged to take out more loans with the creditor when they are having issues paying them back. Rollover fees by certain PDL's are also covered by this clause, especially by the PDL's that class it as a new loan.

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

Link to post
Share on other sites

They cant even threaten bailiffs. IF they do, its a breach of OFT .

I have to disagree with you renegade. If the letter is phrased correctly with we may apply for judgement and if we gain one ofthis could lead to etc etc that is lawful because it is what they COULD do and what could happen. If we are to complain we must get our facts and language as accurate as possible.

Link to post
Share on other sites

express finance..are a nightmare..ringing me 10 times a day..texting me....

 

I know that feeling, they even use two different numbers, one in Nottingham and one from wherever. Luckily I have a smart phone so downloaded an app which stops the calls, txts are just filed away and the phone just picks up and drops the call, Even better I have an accurate log of how many times they try to contact me

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...