Jump to content


  • Tweets

  • Posts

    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
  • 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 Loan - County court


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4127 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

Hi,

 

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,

Link to post
Share on other sites

  • Replies 65
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

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?

 

Thanks.

Link to post
Share on other sites

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...

Link to post
Share on other sites

Hello,

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.

Link to post
Share on other sites

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

Link to post
Share on other sites

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.

Link to post
Share on other sites

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.

Link to post
Share on other sites

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.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

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

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

  • 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.

Link to post
Share on other sites

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.

Link to post
Share on other sites

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

British Pearl/Spondoolies: 752.10 - Oustanding: 0.00

Cash on go/Peachy: 206.30 - Oustanding: 0.00

EarlyPayday: 325.00 - Oustanding: 0.00

Lending Stream: 1398.46 - Oustanding: 0.00

MicroLend: 780.00 - Oustanding: 0.00

Minicredit: 520.00 - Oustanding: 0.00

MonthEndMoney/PaydayUK: 937.50 - Oustanding: 0.00

MrLender: 715.00 - Oustanding: 0.00

Pounds2Pocket: 2328.00 - Oustanding: 0.00

QuickQuid: 1800.00 - Oustanding: 0.00

SafeLoans: 450.50 - Oustanding: 0.00

Speed-E-Loans: 516.00 - Oustanding: 0.00

SwiftSterling: 1295.00 - Oustanding: 0.00

Toothfairy Finance: 544.00 - Oustanding: 0.00

TxtLoan: 450.00 - Oustanding: 0.00

WageDayAdvance: 670.80 - Oustanding: 0.00

Wonga: 1336.86 - Oustanding: 0.00

Total: 15220.52 - Oustanding: 0.00

Link to post
Share on other sites

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.

Link to post
Share on other sites

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.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...