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    • The Defendant contends that the particulars of claim vague and are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   1. Paragraphs 1 is noted and accepted that the Defendant has in the past had financial dealings with  Vanquis.I do not recall the precise details or agreement and have sought verification from the claimant and the claimants solicitor by way of a CPR 31.14 and section 78 request who are yet to fully comply.   2. Paragraph 2 is denied. The claimant pleads that the defendant failed to maintain the required payment, arrears began to accrue. Given that the claimant has failed to comply with my CPR 31.14 request and failed to evidence such fact and would not be in a position as Assignee of debt to know the details of any alleged breach. The defendant has never received a Default Notice from the original creditor. As the claimants plead in their particulars precise knowledge of the default, they are put to strict proof to evidence such fact.   3. Paragraph 3 is denied.The Defendant contends that no notice of assignment pursuant to s.136 of the Law of Property Act & s.82 A of the CCA1974 has ever been served by the Claimant as alleged or at all.   4. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to:   (a) show how the Defendant has entered into an agreement; and (b) show and evidence any cause of action and service of a Default Notice or termination notice; and (c) show how the Defendant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   5. After receiving this claim I requested by way of a CPR 31.14 request and a section 78 request for copies of any documents referred to within the Claimants' particulars to establish what the claim is for. To date they have failed to comply to my CPR 31.14 request and also my section 78 request and remain in default with regards to this request.   6. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   7. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   8. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • I will get my son to upload the video when he gets in. No down hill slope just a small  gradient and from the turning he came out of its maybe 15 shops until the traffic lights. Maybe it didn't get faster but he feels like it did (not clear on the video)  I'm picking him up from work tonight I'll pay attention to the gradient when I go back.   He'd only changed up to 2nd so he wasn't driving fast    Upside he knows now to always be prepared for ice  
    • Not sure why you keep changing your point 1 back to .....   1. The Claimant claims £2247.91 is owed under a regulated consumer credit account under reference xxxxxxx. I do not recall the precise details or agreement and have sought verification from the claimant and the claimants solicitor by way of a CPR 31.14 and section 78 request who are yet to fully comply.   1. Paragraphs 1 is noted and accepted that the Defendant has in the past had financial dealings with  Vanquis.I do not recall the precise details or agreement and have sought verification from the claimant and the claimants solicitor by way of a CPR 31.14 and section 78 request who are yet to fully comply.   We you the court the claimant already knows ......The Claimant claims £2247.91 is owed under a regulated consumer credit account under reference xxxxxxx. its on the claim form.   Keep it as post #59 add post #66 renumber job done.
    • Hi all   Update, so they still have not provided any statements/documents etc regarding the account (I have the original SAR though) and since the beginning of October I have received a letter stating that they believe the debit is not SB because a payment of £340 was made April/May 2014 (this is credit and refund mentioned earlier in the thread). They have so far not received the statements etc from the bank but will forward them on due course, but if I should contact them to arrange a payment plan.   I have since had a offer of a 50% settlement and then last week a 75% settlement. My view is that they are just hoping I will bite and pay them something but that is not going to happen, I have not communicated to them since that single telephone conversation back in July.   The one thing I have noticed when I use Check My File is that the account status was changed November 7th to Query at Equifax, even though the default expired on November 4th so it should have disappeared by now. The original Satans Bank default was removed on time, but the Cabot account reference is still there albeit not negatively impacting my score it just has a status of 'Q' against November and the balance showing. There is no history showing before November it almost looks like a new account was setup with a Query status against it.   Does anybody have any idea of what is going on here? The cynical side of my is thinking they are forcing me to get in touch with them in writing about the account before their incorrectly perceived April/May SB date passes. I know Equifax does take longer for updates compared to the others agencies and in a few weeks it may be gone.   I'm just wondering what peoples views are, personally my credit score is almost in the excellent bracket and I'm not planning to get any credit soon so it makes no difference to me for now.
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Townsk

Wonga - please help

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I have been using wonga for the past year and never had a problem repaying my loan back but now my partner is loosing his job I can't meet my repayment date and very worried what to do I can't afford for them to take the money out of my account - should I report my card lost and get a new one will this be enough to stop them I bank with Halifax.

 

Do I contact them now or wait until end of month

 

I owe 1325 which I would be paying at end of month - how do I set up a repayment plan I can pay back 100.00 per month

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I have been using wonga for the past year and never had a problem repaying my loan back but now my partner is loosing his job I can't meet my repayment date and very worried what to do I can't afford for them to take the money out of my account - should I report my card lost and get a new one will this be enough to stop them I bank with Halifax.

 

Do I contact them now or wait until end of month

 

I owe 1325 which I would be paying at end of month - how do I set up a repayment plan I can pay back 100.00 per month

 

Can anyone help I'm really worried about this and don't know what to do

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contact them now before they start adding interest.Yes cancel your card say its lost I did .Then I only made payments to them via FPI -FAST PAYMENT OPTION

Send them a income and out come expenditure form .I did mine via NATIONAL DEBT HELPLINE you could even phone the NDH http://www.nationaldebtline.co.uk/england_wales/

who can advise better than me.I got all my info from the other treads on here .

Also put

My offer of repayment is £*** per month. I have sent you all required information

I feel i must remind you of your obligations under OFT guidance on debt collection in regards to this debt Please reply within 24 hours.

 

.If you can get a letter from Halifax showing what payments you have already made to them scan that into your email.This shows that until your change of circumstances you paid regularly.

.

These are the e-mail Address's I used

 

hardshipreferrals@wonga.com

assessment@wonga.com

 

If they try and fob you of contact these guys-

aohn.hegarty@wonga.com

errol.damelin@wonga.com

 

keep all your emails to and from Wonga so should it ever go to court you have proof you tried to sort the situation and that it was Wonga who stalled.But after contqacting the two last emails with all my emails I had sent./Received they accepted my offer

 

.

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contact them now before they start adding interest.Yes cancel your card say its lost I did .Then I only made payments to them via FPI -FAST PAYMENT OPTION

Send them a income and out come expenditure form .I did mine via NATIONAL DEBT HELPLINE you could even phone the NDH http://www.nationaldebtline.co.uk/england_wales/

who can advise better than me.I got all my info from the other treads on here .

Also put

My offer of repayment is £*** per month. I have sent you all required information

I feel i must remind you of your obligations under OFT guidance on debt collection in regards to this debt Please reply within 24 hours.

 

.If you can get a letter from Halifax showing what payments you have already made to them scan that into your email.This shows that until your change of circumstances you paid regularly.

.

These are the e-mail Address's I used

 

hardshipreferrals@wonga.com

assessment@wonga.com

 

If they try and fob you of contact these guys-

aohn.hegarty@wonga.com

errol.damelin@wonga.com

 

keep all your emails to and from Wonga so should it ever go to court you have proof you tried to sort the situation and that it was Wonga who stalled.But after contqacting the two last emails with all my emails I had sent./Received they accepted my offer

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Thank you for the info will do that today do I need to go into my bank with a letter asking them to stop all CPA to wonga?

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I just called them and told them had lost my card .If your on line banking with Halifax just search your statements and copy paste the payments that you did make .

BUT DO NOT WORRY.If your worried about anything call NATIONAL DEBT HELPLINE .They helped my daughter get out of a major fix that was making her ill.Good Luck

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Before you think of contacting them, you MUST secure your money and bank account. PDL's including wonga are well known for automatically taking money the second they get a hint that you might default.


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 I will do i cant move my money to any other account or open a new one so how do i secure it ive reported my card lost so waiting for a new one - do i tell me bank not to allow any money to them?

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You need to write a letter with specific wording, and take it to your branch before close of business at the latest the day before the payment is due to happen.

 

So if the payment is due on a friday, then the letter must be taken to the bank, photocopied, stamped and signed by thursday close at the latest.

 

If you need help, let us know. Also tell us the name of the bank, as some banks think they are above the law.


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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my payment isnt due until end of this month 31st oct and i bank with the Halifax - what do i need to put in the letter

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do i have to tell my bank about the problems im having with them - i have my overdraft which i pay each month but use and I cant afford to loose that so dont want to worry my bank

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Nope. It is no concern of the bank what happens with your money. If you instruct them to stop specific payments and mechanics to a creditor, under UK law they MUST comply, unless the transaction was initiated by a court authority.

 

You also shouldnt just write that you want a payment stopped. There are a few other things to instruct them about to. If you need help, let us know.


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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ok can you tell me what i need to put in the letter or how to draft it - is there a template I can use - i def need help and thanks for the info so far

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Can someone tell me what I need to put in my letter to the bank please as I will have to do this on Monday coming

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ok so story so far - i cancelled my card with my bank and also asked them to cancel the automatic payments which they did - the loan was due to be paid yesterday and I sent emails as soon as it was due however i am yet to receive a reply

 

I did receive a phone call yesterday which i answered and was an automated service so hung up and received a text today to say it was still unpaid and to log into my account and make a payment etc

 

how long do they have to reply - i have sent to the below email address and still nothing

 

assessment@wonga.com

ahon.hegarty@wonga.com

errol.damelin@wonga.com

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Hi Townsk

 

If you read my thread which is prob just above or below this one you will see it was 5 days from the due date that they acually replied to my emails.

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