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    • When it comes to animals my heart is just shallow. Sorry to hear that.
    • go back and read what andyorch said in my above links about a DEED of assignment NOT being a Notice Of Assignment. its a general document for a portfolio of MANY debts they bought on a spreadsheet, NOT specifically relating to YOUR Agreement. but your was like all others, a single line in a spreadsheet.    the sheriff has specifically asked for the NOA and the Default Notice ...neither of which the fleecers have provided, merly a load of ole twaddle like trump does to divert attention away from those NOT being provided.   forget the stuff about LOP 1925 etc that a NOE is NOT applicable in scotland , the sheriff has asked for it..end of!!   bedtime reading particularly regarding default notice sec 87 https://www.consumeractiongroup.co.uk/forum/showthread.php?484300-Cabot-nolans-SPC-Claim-Old-Next-CAT-Debt(2-Viewing)-nbsp&p=5119630#post5119630   read from about post 70.   as for the written submission. i'll find an example later.   dx      
    • Plevin is not a calculation. its a refund of commission they got as they had a backhander of greater than 50% of the PPI sum paid for selling it on behalf of the insurance company that underwrote the PPI policy.   you are after reclaiming the PPI itself. and that is what all our PPI stuff is geared too.   have you still a copy of what you originally sent though as you don't even KNOW what plevin was , how could you have ever have asked for it.!!   pers i'd write back. (you seriously need to stop talking on the phone!!) stating quite clearly that you REJECT totally their refund under the Plevin Rules. my Claim was to reclaim the PPI a paid, not for a refund of your hidden commission!!   i give your 14 days to refund inline with the enclosed spreadsheet , else i will raise a complaint without further notice to the FOS.   please reply in Writing Only.            
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
      We had a 10yr  finance contract for a boiler fitted July 2015.
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
      You only have to look at TrustPilot to get an idea of what this company is like.
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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I'm hoping for some help. I have a payday loan company chasing me for payment over the last couple of months and I simply havent been able to pay it back. This means a £300 loan is now up to £1000. They have constantly harassed me via email and text and phone. They have even rang my work constantly everyday speaking to the customer service department and even telling them they were calling from a payday loan company which was very embarrassing.


They have now just sent me a text saying they have applied for a county court judegement and that if I arrange a payment plan this week they wont need to go for a attachment of earnings order.


Is there anything I can do, what is the best course of action?


Many Thanks,

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Scare tactics that they all employ. As Bombay says post up who the loan company is and the original loan plus interest. This is all you owe them. Have you attempted to set up a payment plan that you can afford? Then get the phone harrassment letter off to them registered post.

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Just to add a bit of reassurance... I doubt very much that the PDL company would go near a court and want to justify £700 on top of a £300 loan in a couple of months.

It never rains but it pours...

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Hi Guys,


Thanks for the response. Its Quid Market.


I have not yet setup a payment plan. Should I email them with a monthly payment and then should i send off the letter.


Also, can they keep adding interest?



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I would contact them by email or post. Add the telephone harassment paragraphs to your letter.


They can add as much interest and charges as they like, it doesn't mean that you have to pay them. Regular advice here is Loan amount plus one months interest.


Work out what you can reasonably afford and jot that down as an offer, for example November £40 December £40 etc... Totalling only the amount of loan and interest.

It never rains but it pours...

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You should:

1. Inform them you are having financial difficulties and will under no circumstances pay what you consider to be unfair interest and charges. (Provide a budget break down of your outgoing if you are comfortable to do this) *quote them about breaking following OFT guidlines:

· Levy charges that are disproportionate to the main debt and which do not reflect the actual, necessary cost of recovering a debt"




· "Pressure debtors who have defaulted on an agreement to pay unreasonably large instalments when they are unable to do so"




· "Make misleading representations as to the action it might take or might be taking to recover a debt"




2. Politely request a payment plan equating to principal loan plus one month’s interest divided into weekly/monthly payments that you can afford.

3. Send them a telephone harassment letter and stress all correspondence should be in writing.

You must absolutely stand firm and not be intimidated as these cases hardly ever if at all go to court and if they do provided you have acted responsibly the judge would likely only award them principle loan plus months interest at an affordable rate anyway.

But as these companies break many industry regulations they would never actually take you to court anyway.

Please remain calm and remember you are in control if you do not let them intimidate you.

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Payday loan companies recently agreed to a set of rules drawn up by their regulators which said along with other things they would only add interest and charges for 60 days.


Anything they are trying to claim above this would be very easy to dispute, given they have added more than this means they are either replying on you not contesting the CCJ or have no intention of applying for one in the 1st place.


However, until you make them an offer they wont go away, work out what you can afford and dont let them bullyb you into paying any more

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They have now just sent me a text saying they have applied for a county courtlink3.gif judegement and that if I arrange a payment plan this week they wont need to go for a attachment of earnings order.


Believe you me, this will not happen. No Payday loan company will ever take a debtor to court, simply as they would face some very serious questions as to the fairness of their interest rates.


I havent heard of one single payday company filing court papers against a debtor, and if this was to happen, trust me it would be a first. But let's just say, for hindsight, they did file for a CCJ.


You would receive papers, allowing you opportunity to defend. This would put approximately two months onto the process. They would then need to win the case in court. They would then need to give you ample opportunity to pay (say 30 days), and clearly be able to show your unwillingness to make arrangements. Then, and only then, at this point can they apply for an attachment of earnings, which again you could defend or dispute. Amazing how all that is represented in one single sentence by the PDL company huh :???:


What I would do personally, is contact the company, request the court claim reference. If you they cant produce one, report them to the OFT for it as this is clearly against the Office of Fair Trading debt collection guidelines.

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Believe you me, this will not happen. No Payday loan company will ever take a debtor to court, simply as they would face some very serious questions as to the fairness of their interest rates.


I havent heard of one single payday company filing court papers against a debtor, and if this was to happen, trust me it would be a first. But let's just say, for hindsight, they did file for a CCJ.


Safeloans do courts summons, only one I know of.

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A lot of PDL companies use court, just because we do not hear of them on this forum does not mean it does not happen.


I personally have drafted defences for five separate PDL companies over the last couple of years - don't do it now as its been 4 years since I last had a PDL.

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Have they actually issued a Court claim against you ? Until they do and win, then all the things they have threatened are just part of their wish list.


They should NOT be telephoning your work the way you advise and IMHO, you should have someone from the department send a stiff letter confirming that their actions are out of order and in breach of the DPA if the PDL is advising the company who they are and the reason for their call ! - You should be contacting the OFT in respect of that.


You should send a letter to the PDL Head/Registered office - explain that you have a financial hiccup and request a payment plan. Your letter should be sent by recorded delivery.


PDLs do take people to court - they mostly win by default as the defendants do not defend. If they do issue a claim, then you should be able to advise the court of your circumstances, provide and Income & Expenditure form, and the Judge is likely to set the payments you are to make.


The PDL might want to think about the actions they have taken which are not permitted and the way in which they lent the money. Because the Courts do take this type of thing into consideration.

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2: Does your Bank play fair - You can force your Bank to play Fair with you

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.



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  • 2 weeks later...

Hi Guys,


I have now received a county court claim from the pdl company. The original loan repayment due with interest was £380 and they are now claiming £680 with interest that they have added each day.


Please could somebody advise my best course of action as I have two weeks from the 5th of november to reply or defend the claim.


Thanks guys.

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Go online and acknowledge the claim, you won't need to pay any money to do this and it will give them a fright. Don't leave it to chance here as some companies are very good at manipulating the court system in their favour.


I can help with a factual defence, you don't need much more in order to make this lot look very silly. They cannot add daily interest at the rate they think they can. You will also need to post up the Particulars of Claim as they are often enough to get the company to discontinue... and the legal firm handling the case.


You also have to name the PDL company - I notice you have not done so to date - this is vitally important information as to how the defence is formulated.

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Quid market are only lenders since 2011 (when Vaughan took over and set it up on behalf of the US parent company), they were brokers before. I am assuming they will actually go through court.

24/7 Moneybox: 195.00 - Oustanding: 0.00

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QuickQuid: 1800.00 - Oustanding: 0.00

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Wonga: 1336.86 - Oustanding: 0.00

Total: 15220.52 - Oustanding: 0.00

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Hi Guys,


I've now done the Acknowledgement of Service.


What will be the next best step.


The particulars of claim are -


Repayment of short term loan paid direct into the defendants bank account on 25/01/12. repayment due on 28/02/2012, loan not repaid on due date by defendant as per loan areement.

Proactive written and telephone attempts to communicate with Defendant as per loan agreement has failed to achieve resolution, repayment or acceptable repayment plan. As per our loan agreement a daily rate of interest has been charged since default.


That's all it says.

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Get it in as soon as possible. You do not need to CCA, SAR or ask for any other information, this is a straightforward case of the company trying to exploit your lack of knowledge.


The draft defence I have already done should be okay.


If you leave it to the last minute you could end up in the logjam that is the court paperwork system, whereby because they process 'electronic' stuff first the company could get judgement by default.

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