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    • Served on 16 Feb.   On reviewing the MCOL website today for an updated, I noticed that 1) Hermes has aknowledged the claim, but not yet filed a defence, and 2) that I there was a glitch / error on the form. Essentially, it looks like I had accidentally left the "I will send detailed particulars of claim" box ticke (I thought I had unticked it), with the result that the claim section has been truncated, and some extra text has automatcially been added - in red below):   "...Claimant seeks £XXX, plus I will provide the defendant with separate detailed particulars within 14 days after service of the claim form. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of..."   This is obviously not ideal. Is it better to try to amend the claim somehow, or to just submit a brief POC that a) clarifies that I am seeking £XXX plus costs (which was automatically truncated), and b) sets out my calculation of the £XXX?  
    • Hi   It amazes me how they pass the buck as they don't want to deal with a private homeowner but if the shoe was on the other foot they would be hammering down on you for breach of tenancy.   As this is council housing you need to make a Formal Complaint in writing to the Council Housing about this (as a social housing landlord they have a complaints process they have to follow). you need to exhaust their complaints process. Make sure and title your letter Formal Complaint.   From what you have posted this tree is not just a nuisance but also a Health & Safety risk:   1. The tree being overgrown is now a danger to the occupants/Guest/Visitors to your property   2. The tree has overgrown into the Council Housings Boundaries your property causing damage/endangerment to the occupants/guest/visitors.   3. As the roots of the tree are also overgrown into your property you have concerns that these may be causing/damaging to any underground pipework that may be within the boundray of the property.   4. So far the Councils actions have been to treat their Council Housing tenant as a third class citizen with a private homeowner aloud to cause endangerment/possible damage due to these overgrown trees which are encroaching on your council house property/bounderies.   You also require clarification why you were sent the Healthy Neighbourhood Information which states I have to pay £375 to make a complaint. (make sure and attach a copy of the response that states this cost)   You also require copies of the following:   1. Complaints Policy (not the leaflet) 2. Customer Service Standard (not the leaflet) 3. Health & Safety Policy (not the leaflet) 4. Public Liability Insurance Policy. (not the leaflet) 5. Clarification from you if their is any underground pipeworks running through the bounderies within the garden area (you should have full knowledge of this it being your property/plans) 6. Compensation Policy (not the leaaflet) 7. Equality & Diversity Policy (not the leaflet)   When you get the above policies sit with a pen/pencil/highlighter and take you time reading them and just think to yourself 'DID THEY DO THAT' if not mark it then leave it for a while then do the same again this way you can basically throw/write back stating the haven't followed x policy with which part of that policy and your reason. (you are building evidence to use against them using their own policies. I would also like to refer you to The Local Government (Miscellaneous Provision) Act 1976: http://www.legislation.gov.uk/ukpga/1976/57/part/I/crossheading/dangerous-trees-and-excavations     You need to remember yes it is the Council but the Council Housing is a separate entity and is a Registered Social Landlord (RSL)   Is the Council Housing classed as a registered Charity? (what is their registration number whether charity or RSL?)   Also have a wee look at this CAG link:     
    • @rocky_sharma   Fame at last!!   Dunno how much help it would be in your case, but I could try digging out the txt of my defence if you think it might be relevant to your defence. We might hafta do this via PM, then e-mail though if ya wanna go down that route.   Good luck with yours anyway mate.
    • The car finance firm, owned by Provident Financial, voluntarily handed the money to all 5,933 customers potentially affected by the breaches, which occurred between April 1, 2014 and October 4, 2017. It was also fined £2.77m by the Financial Conduct Authority for the way it behaved. The FCA said Moneybarn's actions meant more than 1,400 customers, many of whom were vulnerable, defaulted on their loans after entering into 'unsustainable short-term repayment plans'. This meant that they were punished with extra fees and charges, which many could not afford. https://www.dailymail.co.uk/money/markets/article-8013573/Moneybarn-pays-30m-customers-failing-treat-fairly.html   dx  
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janes

wageday threat of doorstep visit will only accept their DMP

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Hi Took out PDL with wageday I have tried to arrange a repayment plan. They told me I had to go with Money action group. When I said I would contact CCCS they said they were volunteers? They also said Payplan was no good.I tried to pay some money over the phone but everytime I agreed an anmount they increased it. I have now recieved an email from them saying they are going to do a doorstep visit. I have refused this but they will not listen. I borrowed $100 and now owe £300+.I have family with me over xmas so really worried about visiit I dont want to phone them as they keep twisting what i say and try to get to pay more money than I can afford. seee email below Please contact MMF office on 01138876876 to pre-book a Home Visit appointment, otherwise our doorstep agent will have to arrive unannounced.

Edited by 42man
Edited due to op being identified

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Hi Janes. I've alerted this thread to site admin because of the reference number on the post.

 

So, it's with MMF now? And no longer with wageday?

 

There is mixed advice on these forums about dealing with DCAs such as MMF.... Personally I would much rather deal with MMF than ANY of the payday loan company's.

 

MMF were willing to accept an affordable repayment plan when I had dealings with them! When I was in a position to pay the debt off in full this company offered me a discount. In the end I paid back substantially less than I actually borrowed. (obviously you need to be sure that the dca is legally assigned to collect the debt first.)

 

Are "wageday" still contacting you for payment? Or is it just MMF now?


It never rains but it pours...

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Hi

 

did i do something wrong when I posted confused by alerted to site admin

 

I emailed them and told them I would only deal in writing through email. They sent me bank account details etc to pay monies and then I recieved a call from MMS stating that if I did not contact them they would be visiting me.

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Send them a letter withdrawing there implied right of access. They have to obey. If anyone turns up in the meantime, just inform them that is what you have done. Do not enter into any other conversation with them. Do not let them in..

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