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    • I’ve just received a letter from a debt collection agency called Intrum about an old Halifax credit card debt, they have never been in touch before and the letter says that because I have failed to contact them they are passing on to a company called Resolvecall who specialise in home visits. This debt is from about 14 years ago when I got into some financial trouble, I had a default on file but that dropped off around 4 years ago. Is there anything I can do with this as I don’t really want people coming to my house, thanks in advance? 
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    • I left a trustpilot review and P2g have emailed me with the obligatory apology and have refunded the postage costs and are will to give £10 extra pre pay as a good will gesture. However,  as i wrote this the Buyer has just txt.me.to say they have received the parcel !  So obviously im now going.to suggest that she pays via Paypal ... I rang her this morning to see if it had arrived but she said she was on holiday and there was someone in her house she would have to contact to see if it had arrived which she obviously has ... So now i know its been delivered i cant go for P2g But i Can accept the exta £10 ...
    • The defendant in this case is Parcel2Go.com Limited The claimant sent a parcel using Parcel2Go Ltd as a broker and Evri as the shipper via the Defendant's service containing which contained two handmade bespoke wedding trays to a customer with  under  tracking number P2Gxxxxxxxx. The parcel was never delivered although the defendant stated that three attempts had been made to deliver the parcel.  The claimants customer waited in for four days to receive the delivery but no delivery was attempted. There was no communication with the claimants customer.  Despite many web chats and emails the parcel was not delivered and on the Parcel2Go website it stated that the customer had refused delivery. This was not true as no delivery had been attempted.  I was The Defendant informed me that the parcel was being returned to me but after waiting three weeks I was informed by the courier that the parcel was lost. I was offered compensation of £20 + shipping fee which I refused and after sending Parcel2Go a Letter of claim this was increased to £75 which I also refused. The Claimant did not purchase the Defendant's insurance policy as requiring people to pay extra for rights already guaranteed under the consumer rights act 2015 is contrary to section 57 and 72 and therefore unenforceable. The Claimant rejected the Defendant's standard compensation offer. It is clear that the defendant is responsible for the loss of the parcel as they did not act with reasonable care and skill when handling the claimants parcel, contrary to section 49 of the Consumer Rights Act 2015.   By failing to ensure the safe delivery of the Claimant's parcel the Defendant breached section 49 of the CRA 2015.   AND THE CLAIMANT CLAIMS £370.00 being the value of the lost goods £xx.xx being the price of shipping and interest pursuant to s69 cca 1984.   See what BF thinks but I think something like this is better. Remember you are suing P2G not evri.
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Wonga payment plan declined, they will call -- what should I expect?


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I just submitted my financial assessment to be considered for a repayment plan and it got turned down.

 

It said that all interest and collection activity has been frozen and they will contact me within 48 hours.

 

What should I expect from this call?

 

I am owed a tax refund that would easily cover the Wonga debt, but have no idea when it will actually be processed -- will this help in negotiations?

 

Any thoughts or tips will be appreciated enormously!

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First, ignore wonga and report them to the OFT. Repayment plans are to be made according to YOUR financial circumstances, not their silly reasons. If you can only afford £1 a week, then thats all they get.

 

Dont start cowering to their silly empty threats.

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

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Thanks for replying so quickly!

 

I understand your suggestion, but my question is: will the call be about working together to sort it out, or will they be hostile and make stubborn demands and threats?

 

I would like to know in advance so that I can prepare psychologically, if nothing else.

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If they call you, dont talk to them. Only deal with them in writing. This is because they will say anything to get payment from you or pressure you into repayments you cant afford.

 

If they are unwilling to discuss via email or letter, then tough luck to them. If you start talking to them on the phone, you've fallen right where they want you.,

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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Update: they emailed me the next day, offering a 3-month plan.

 

I counter-offered a 10-month plan.

 

A few hours later they had set it up and that was that. Interest frozen.

 

I hope this helps other Caggers!

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Make sure you keep that email/letter that confirms that VERY safe.

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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Wonga done exactly the same to me :/ refused my financial assessment and then when I emailed back "upping my offer" to them they declined again but told me they could accept a MUCH lower amount over a longer period of time :/

 

Glad you got sorted with them.

 

I have to admit, they've certainly pulled their socks up in recent months in dealing with repayment plans...

It never rains but it pours...

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They cant call your work. That is a big no-no. Regarding defaults, they have to follow procedure. They can indeed add a default if its overdue by a month or two, but again, they need to follow procedure and must mark it arrangement to pay.

 

If you want to avoid a default, the simple answers are: Don't miss the initial repayment date, or even better, dont use these lenders at all.

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 circumstances have changed in our household income is being drastically reduced and my 3 x month payback plan is now null and void.

 

I now plan to

1 - contact wonga, quickquid and ukloanstore.

2 - cancel my debit card

3- ask the bank to change my sort code and account number

4 - hope they do not call my work as everyone will know my business. I have seen on other forums that quickquid are relentless at this.

 

I wish to keep all comms to e-mail.

what is the best course of action and what template to use for no phone calls?

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Click the library link at the top left of this forum. There are templates for all occasions there.

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, I've just been reading this thread and need some advice! I too have a wonga loan which is spiralling out of control, I haven't missed any payments but every payday I am paying it off and then going into arears with other borrowings because of the wonga payment, I want to ideally set up a payment plan but am very reluctant to call incase they try to push me into a corner (I'm not good with money but have done well recently in reducing my out goings but I know I need to sort this loan out because I'm stuck in an ongoing cycle every month) my question is how to go about asking for a repayment plan. Can this be done via email? I know there is an income and outgoings form to fill out? Any advice appreciated thanks!

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Have had the email today saying to log onto the website and set up a repayment plan 3 days before its due, which isn't until the beginning of march, looked on the website and can't see a section for it.. Is it something that only shows on there 3 days before?

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It will only appear 3 days before. Its quite a straightforward process and it's set up quite quickly. They will ask for your other 'non-priority' debts, but I don't think they take them into account so make sure you complete the 'Essential Expenditure' section properly. They will then ask for you to propose a payment and date, and they will either accept it or offer you an alternative payment. You can restart the financial assessment if you don't want to accept their offer.

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I sent them my i&e form by email on Saturday and had confirmation this morning that its been set up, I offered to pay 150.00 a month and its been approved and interest and charges frozen! Thanks for everyone's help!

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