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    • If someone only receives a Govt benefit - ie working tax credit - and barely has enough money to pay for food, utilities, public transport and general essentials - what happens if their bank receives a 3rd party order to freeze the account because of an unpaid debt and a mistaken assumption that account holder has hidden funds/savings ?  Does the bank allow the account holder access to the bank to pay for life essentials?  Or does the bank literally freeze the account so nothing can be bought, no bills paid for ?   
    • Hi   As promised here is a response I have put together for you please fully amend as required   Dear XXXXXXXXXX   Complaint Reference: XXXXXXXXXXXXX   Further to your correspondence on XX/XX/2021 I find your response unacceptable for the following reasons:   You felt there was a data breach due to maladministration as we had the incorrect email address for you. As previously advised, the email was not sent to another individual but was undelivered due to having the incorrect email address. I   have requested a copy of the undeliverable message from our IT team. Once this has been received, I   will forward it to you. This has not been reported to our data protection officer as there was no breach. I  did also try to contact you by telephone to get the correct email address after it was returned to us, but there was no answer   I disagree with the above for the following reasons:   a) The Housing Association that sent it to the incorrect email address  b) The Housing Association were fully aware of my email address as you have been responding to myself at my email address even when I initially reported this and had a response from your online portal. c) This was a potential Data Protection Breach irrespective that it was undelivered and should therefore be reported to your data protection officer. d) You were responding to my emails at the correct email address and the as previously stated when I initially report this and got a response from your online portal to my email address, you incorrectly sent the response to an email address due to typo errors in that email address by the individual that sent.  e) If the individual that sent that email to the incorrect email address due to typo errors was yourself then you have a Conflict of Interest in dealing with this matter as it involves yourself and someone else should be responding to that matter therefore I require clarification if it was indeed yourself that sent the email to the incorrect email address.   You feel that this should be a stage 2 as your response was out of time due to having the incorrect email address. You received the response one week after it had been originally sent, once you provided the correct email address. This would not meet the criteria for escalating to stage 2. I  had already offered compensation of £25 for the delay in responding to your complaint. My colleague that reviewed this for stage 2 has advised that an additional £25 could also be offered to compensate for the delay caused by not having the correct email address.  Please note any compensation awarded would be offset against outstanding arrears in the first instance should there be any on your account.   I disagree with the above for the following reasons:   a) Your initial response was sent to an incorrect email address due to typo error irrespective that it was received one week later it was still out with the agreed stage 1 Time Limits therefore should be dealt with as a Stage 2 Complaint    Contents insurance is the responsibility of the resident to arrange. You are aware when you take on your tenancy that your personal belongings are your responsibility to repair and maintain, not A2Dominions. As such, any insurance to cover these items would have to be arranged by the tenant. There is no requirement for us to advise of this. Your tenancy agreement gives a comprehensive overview of what is A2Dominion responsibility. Should you have any queries about these. you can refer to the document   I disagree with the above for the following reasons:   a) As I was not aware of this by your staff when I took out this tenancy but you point out I was made aware therefore I would like to be provided with evidence from my housing file that I was informed of this when signing this tenancy agreement. If you cannot provide this then you cannot state that I was made aware at the time of taking up this tenancy. b) You point out their is no requirement for you to advise of this which I find astounding for any Housing Association to state this as they should be making any new tenant fully aware that Contents Insurance is required and the reason.   I  have been informed that the flood affected many members of the community that day. There were so many people affected that a local support group was also set up. This shows that the issue was widespread, not just limited to affecting your property and also proves that the issue stemmed from a wider mains issue. I do appreciate that there was a blockage in your drain which exacerbated the issue within your property, but as advised in my stage 1 response, this was attended within our urgent call out timeframe of 24 hrs. This was then passed back to Pyramid Plus as they were unable to dear the blockage, and follow on works were arranged. We are unable to attend to issues until we know about them, and we attended as soon as this was reported to us.   I disagree with the above for the following reasons:   a) In a previous response you blamed the mains water companies issue therefore not the Housings issue now you have changed it to a wider mains issue yet as I preciously asked to be provided with evidence again you have failed to provide that evidence. b) The blockage which you have previously been in denial about and suddenly admitted and openly blamed the main previously you have know admitted. As this blockage I within your property boundaries and is inside internal in my property the Housing is responsible for that issue and the further damage caused. In reference to your request for the previous reports by other residents, we would be unable to provide that information to you. We cannot discuss any reports by other residents under any circumstances   I disagree with the above for the following reason:   a) My request for how may tenants have complained about this you previously stated 'your system does not allow you to find this information' and now it is 'we cannot discuss reports made by other residents under any circumstances' I find this completely unacceptable as I did not ask this I only ask how many tenants had complaint about this issue whether it be one or ten as an example how difficult can it be as this does not breach any data protection laws and if you still insist on this approach then you can provide my with with full and I do mean full clarification as to your reason with which article and section of the data protection act you are using for your failure to comply with a reasonable request and your failure still to explain FOI.    
    • No!   Not because what you've written is wrong - it isn't - but because it's best to keep Simple Simon in the dark about how you are going to bat off his claim.   Look at   https://www.consumeractiongroup.co.uk/topic/393251-received-a-court-claim-from-a-private-parking-speculative-invoice-how-to-deal-with-it-hereupdated-jun-2021/   and then scroll down to   Q2) How should I defend?   Adapt the defence there.   The more you read up on VCS "no stopping" airport threads here the more you'll educate yourself on what needs to be done.
    • Defence :   1. No keeper liability as this is not “relevant land” under the POFA 2012 and I the defendant puts it to strict proof that VCS show as to who was the driver at the time. 2. No contract was ever offered by VCS, land is subject to own byelaws and signage is prohibitive so there can be no monies due as a result of either a contractual charge or as a result of a breach of contract.   is that enough?
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Advice on a PDL company please


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Hi all,

 

I am typing this on behalf of my friend. She has never had a payday loan in her life and I have advised her not to as I have gotten into a mess with them myself. However, she needs some cash to pay off her holiday before she loses it. There is nobody to lend it to her and her parents are very against any kind of debt. She just needs 200 pounds.

She has asked me if there are any payday loan companies that do not send letters to your home as she does not want her parents to see them. Her mum has opened her mail a few times (yes I thought that was bad too!!). Anyway, she is going to have it, pay it off and never have one again I hope.

I can't remember who does and who doesn't send a welcome letter etc but I think Wonga and QQ do. Can anyone advise on this please as I can't think of anyone else who may be able to give her the info.

I have tried to get her to think of another way but she says it's this or she will lose all what she has already paid and her holiday. Anyone?? Thanks.

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Guest Payday Survivor

I don't recall any of the eleven payday loan companies i dealt with sending out welcome letters in the post, only the garbage they send out after defaulting.

 

Has she not tried a local credit union or similar for a small loan?

 

After the mess i got into with payday loans i would rather lose the holiday than ever take out another one!

 

Jamie :)

Edited by Payday Survivor
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Thanks, yes I agree......but then I can't tell her what to do. I will mention about the credit union but I doubt she will bother with that. I just hope that if she does take one out, she just pays it off and never renews it. I would hate to think of her in the same mess as myself and many on here. When I took out a loan with Wonga and QQ I got a letter off both of them with my terms etc on but I can't remember if I had any others. Thanks anyway.

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Guest Payday Survivor
Thanks, yes I agree......but then I can't tell her what to do. I will mention about the credit union but I doubt she will bother with that. I just hope that if she does take one out, she just pays it off and never renews it. I would hate to think of her in the same mess as myself and many on here. When I took out a loan with Wonga and QQ I got a letter off both of them with my terms etc on but I can't remember if I had any others. Thanks anyway.

 

The credit union only took 2-3 days to process my loan application. They gave me £250 and even when i had a number of payday loans, some oustanding, on my credit file.

 

I did default with them in the end but they were very helpful.

 

But it's up to her.

 

Jamie :)

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Hi Fletch,

I have text her and apparently she changed banks recently and can not increase her overdraft at the moment as she is new. Also it isn't her deposit she has already paid over 600 pounds she just needs to pay the rest by Friday. Thanks.

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Hi siennasmummy,

 

This may sound tough but I would rather skip the holiday than take out a payday loan. Yes, she is losing 600 pounds deposit and yes, she is losing her holiday, but as time goes by there comes better times and future holidays. I took out a payday loan of 100 pounds more than three years ago and it cost me about 30000 pounds in the end. I ended up rolling over and reloaning with over 15 companies. I so wish I had not done this, so from that experience I can only advice to skip the holiday and not to borrow any money from PDL.

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

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Fully agree with PDLVictim. Taking out a PDL loan isnt worth it at all unless you can 1000000000000000000000000000000000000000000000000000% guarantee that you can pay it back on time or earlier. These companies rely on people not paying the loans back so they can hike on hundreds in unlawful charges.

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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Absolutely up to her but my advice would be any other alternative. Unless she can guarantee to repay then it is likely to cost a lot of money and if payments missed more trouble than she can imagine.

Any opinion I give is from personal experience .

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Guest Payday Survivor

Money Shop was the first payday loan company i used, knowing very little about the market, to pay an oustanding bill.

 

Then i disovered all these other wonderful payday companies that operate online.

 

The joys!

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Hi,

Yes I said the same to her and I have showed her all the replies and thankfully, she is not going to take one out! In stead, she is going to sell a couple of things. She said she really wants and needs this holiday and so she can part with a couple of material things and at least she won't have to pay anything out when she gets home. Thanks for all the advice :)

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