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    • Just remembered!   Now I know this is no laughing matter for either your or your parents, but I guarantee if you read the following  http://nebula.wsimg.com/e3da92cb966c72de63ec1f98605c2954?AccessKeyId=4CB8F2392A09CF228A46&disposition=0&alloworigin=1  by the end you won't be able to contain the giggles 🤣   On a more serious note, quote this in your WS as a persuasive case in (5).  Here there is VCS, someone who left the site, no locus standi, lots of stuff similar to your parents' cases.  And VCS took one hell of a hammering!         
    • You are wonderful, Dave!!   I shall get the WS drafted soon as I can! Thank you so much for your help!
    • I thought they were not allowing people to sign for recorded delivery/special delivery now meaning it could still be argued that they ever received it     
    • Don't worry about the questions - that's what we're here for.   I'll try and flesh out the arguments and answer your questions at the same time.  Let's use "I" to refer to your mum as it's her WS.   1.  Sequence of events Describe briefly that the driver parked in the retail park and visited Citygate garage, thinking it was part of the retail park.  Upon return to the vehicle there was no windscreen ticket or indication of any infringement.  Later I received a PCN for parking in a restricted area, then various threatening letters, after a Letter Before Action which I replied to and finally a claim form.   2.  Locus standi VCS are not the landowner.  The contract they have provided is not with the landowner, it is with another company, it ran out in 2018, the company it is with went into liquidation in 2019, the contract cannot possibly be valid.   3.  No keeper liability VCS should be suing the driver, they have not established keeper liability under POFA (you know all about the 29-56 day stuff, quote it all from POFA).   (Yes!  Good find on their sign!  Include the sign and say VCS maintain they have images that can identify the driver and yet have not identified me as such).   (Yes, keep it vague as to who was driving, it's up to VCS to prove, not you.  They could easily have used POFA correctly but have complete contempt for the law so haven't).   4.  Planning permission VCS go to great pains in their WS to emphasise their signage, none of which I disagree with.  However I do not believe they have planning permission for these signs which is a criminal offence under Town and Country [Advertisements} regulations and means no contract could be formed.  I have requested proof of planning permission from VCS by means of a CPR request but they have not replied.  I have searched XXXXX council planning portal and I cannot find planning permission for the signs.  Their CoP incudes that they must obtain all legal permissions yet they have not done so (look up the bit on the IPC CoP):   (You can't prove a negative.  The work you've done here is more than enough.  They have to prove they have planning permission yet have not).   5.  Predatory practises These are forbidden by the CoP (again, look the section up) (a)  The driver did not find the Notice to Driver on their return to the car although it appears in VCS's photos.  As the car park is patrolled, it is unlikely that a member of the public removed it.  I believe the patrol officer photographed it and removed it.  This is a well-known tactic used by PPCs so that the motorist misses the chance to pay during the discounted period.  I enclose a statement by Mr XXXXX which confirms what i say. (b)  The driver visited Citygate garage which is a matter of metres away from the retail site, in fact the driver thought it to be part of the site.  The patrol officer could easily have mitigated the loss by informing the driver of their mistake, yet did not. (c)  The parking violation alleged was to have left the site, yet the PCN is for a completely different violation, parking in a restricted area.  The area was not restricted, there were no permits to show or payment to be made, it is a free public car park.  This error was made either out of incompetence or deliberately to confuse me and make it impossible to appeal.  In any case in their WS VCS are alleging a completely different breach of contract that that stated in their PCN and in all their previous correspondence I would point out that the patrol officer will not attend the hearing so I will not be able to cross examine him, and I am confident that neither will the WS author since from research I have carried out I have discovered that neither Ambreen Arshad nor Mohammed Wali (VCS's other paralegal) who always write the company's WSs ever attend hearings, presumably to avoid cross examination.  Its is especially easy to attend on-line hearings during the COVID pandemic as no travelling is involved.   6.  Unicorn Food Tax Easy, copy from Alaska 101
    • Good evening. thank you for the add. I have a problem with returning a Dell laptop within a 14 day cooling off period. I bought it online on the Dell uk website, and it was delivered to me on the 6th of September. I could not set it up because I was stuck at one of the steps (got the frozen screen and I could not get past it waiting for hours for something to happen). Then I contacted Dell Technical Support. I spent over 4 hours with their advisors on the phone and whatsapp and they could not help me to resolve this problem. So there seems to be a software( or hardware?) issue and I want to return it. I have tried to arrange a return thru the Dell website by picking the date, however, I did not receive any email confirmation of this and nobody showed up on the day. I phoned and emailed and they said I could not return it. Earlier this week I have contacted both their customer service and complaints emails with no success. They are not giving me their returns address. The guy in the 2nd email was trying to offer me a £130 off voucher but never got back to me with the returns address in the UK. I have used the Resolver  site yesterday to write another complaint quoting Dells own returns policy as well as the Comsumer Rights. My return window is running out. What can I do now?
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Another Payday loan sufferer.


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Hi guys I’m new here!

 

Like many others on here I have a few issues with payday loan companies. I keep having to get new loans to cover expenses and pay of others payday loans. Not good! Let me explain.

 

About 3 years ago I took out my first payday loan with Wonga and that spiralled out of control because I took out another payday loan when I ran out of funds so effectively I was taking out loans to pay Wonga back then taking out another Wonga loan to pay the other loan back. Eventually this lead to being indebted with 4 payday loans being on my back:

 

Wonga – 707

QuickQuid – 750

PaydayUK - 450

Toothfairy – 544

 

Wonga, QuickQuid and PaydayUK have been literally amazing with me sorting out my problem and have agreed to payments of £88, £40 and £68 (respectively) until the debt is cleared :-)

 

I kept having to use Toothfairy for monthly expenses and to pay Wonga, QuickQuid and PaydayUK back which isn’t good because I have read they simply won’t agree to repayment plans. Anyways, recently I tried taking out a Toothfairy loan (who ive used for over a year) and they wouldn’t let me so I tried SpeedCredit (same company I believe) and they let me.

 

I currently have keep taking out £300 loans with them and this results in pay back £444 a month.

 

Stupidly last month I took out yet another payday loan from Payday Express to cover more expenses and this has led back to this situation of taking out one loan to cover another and it’s quickly spiralling out of control.

 

I am only £560 a month and have around 180 expenses every month, plus wonga, quickquid and payday uk so thats £556.

 

When I am paid next month this is how itll work

 

560 - 444 from speedcredit = 116

116 + 300 from speedcredit = 416

416 – 348 from payday express = 68

68 + 270 from payday express = 338

 

So now I have all my repayment plans to pay back and my expenses which doesn’t add up.

 

I have not asked speedcredit or payday express for a repayment plan because I fear that if I do they won’t accept me for another loan and therefore cannot afford my other repayment plans.

 

This is beginning to causea little stress.

 

Does anyone have any suggestion or ideas?

 

Thank you so much for reading!

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First thing to do is secure your bank account. This means cancelling your debit card and any CPA's on the account that relate to the PDL's. Possibly consider getting another account for your day to day money.

 

Once you have done this, default on every PDL account and ask them to consider a repayment plan based on YOUR income and outgoings. NOT whatever amount they try and say.

 

They will start harassing you and threatening you, but thats all they can legally do. Some might try to tak you to court, but a simple defence can soon get rid of them.

 

The reason i say to secure your money is because as soon as PDL's get even the slightest hint you are trying to default, they will ( unlawfully) try and strip your bank account clean. We have a LOT of posters here to prove that along with letters from the banks and PDL's to back it up.

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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It's a good idea yes, as its another safeguard. Just make sure to use a different banking group than the one you are with now.

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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You need default with those other payday loans or you'll just get further into a mess with them.

 

Payday Express will be a pain at the start with their strict criteria crap but dont give in and stick to ya guns.

 

I had to make a formal complaint before they accepted my repayment plan and wiped extra interest/charges.

 

No idea what speedcredit are like.

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No idea what speedcredit are like... Check their forums on here. They are the worst of the worst. I cant say more than that because it could get this site into trouble.

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 guys, thanks or your responses.

 

I was in extreme stress last night regarding these loans and i felt emotionally and physically drained.

 

No one knew about my payday loans and i knew the only thing i could accept is to get further in debt.

 

As a result, i rang my dad and explained my situation. He understood my situation and told me not to worry.

 

He was annoyed that i didn't tell him much earlier.

 

He very kindly paid all the loans off in full today which we worked out to be £2400.

 

I'm now payday loan free!

 

Thanks once again.

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Make sure you get confirmation in writing that they are clear. Also, did you contest any of the debts, as there might have been unlawful charges and interest on them.

 

However, its brilliant to see that you are clear of them now. Just make sure you get the confirmation fromt hem and keep hold of it. Also, you must keep an eye on the method of payment used to pay the debts, as a couple of those PDL's have been known to use them months down the line or pass them to other PDL's. Wonga seem to have been doing this a lot lately.

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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Thanks.

 

Ill get in touch with them now and request an invoice of some sort. Some have sent me emails to confirm i have paid so i shall keep them.

 

Ill tell me dad to keep an eye on his statements.

 

Cheers :)

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Good stuff!

 

Take it as a lesson learnt and never take out another payday loan again ;)

 

Yep! I certainly wont be taking out a loan again.

 

I also think that alot of younger people like me (22) who have got themselves into a dire situation with payday loans should find the courage to speak to family about their debts.

 

Just after i posted my first post on here on Thursday night, i almost broke down. I found the courage to ring my father who as understanding and agree to pay them off for me. He was upset that i had been going through this situation for so long whilst trying to hide it from him.

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Hi there, just got a quick question.

 

Now that my loans are all paid off in full, is there anything else i should do with regards to my bank account? As all these loans companies still have my current details.

 

Thanks.

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yep. Dont use it. We have had a lot of reports lately that some PDL's are debiting bank accounts months later, or even when no loan was ever applied for. Quick Quid and wonga are 2 of the most well known culprits.

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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Make sure its a different banking group, RBS for example have been known to allow creditors to access other accounts you hold with them to get at the money.

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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