Jump to content


  • Tweets

  • Posts

    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
  • 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

Another Idiot


Guest Payday Survivor
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4110 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

Guest Payday Survivor

Hello :)

 

Another payday loan victim joining the ranks!

 

This place has been very useful to me in the past and i thought i would join to try and help out others, using my own personal experiences with various payday loan companies.

 

At the height of my payday loan mess i had eleven of them, most defaulted and a total debt of so many thousands just over a year ago.

 

Thankfully, after months of battling them over the extra interest/charges and a **** load of overtime i managed to pay ten of them off :)

 

Can't wait to get rid of the last one and be completely free!

 

Anyways, i'll help in any way i can :)

 

Jamie.

Link to post
Share on other sites

Welcome!

 

We have 10 of them totalling almost £4000 with interest and charges. We are going to be skins for all of this year but should be debt free by the end of the year!

 

It's definitely a battle. Which companies did you owe?

 

We owe

 

Wonga

Mini Credit

Payday UK

Payday Express

Piggy Bank

Txt Loan

Lending Stream

Easy Finance

Spped Credit

Wage day advance

 

Only managed to negotiate payment plans with three of the ten so far and know I won't get anywhere with three of them but hope to sort the other four some point this month.

Link to post
Share on other sites

I am another payday idiot and after months of worrying myself sick I need to take action. I can't sleep at night and I never stop thinking about it. I owe 3 at the moment Wonga, Quickquid and Payday Express. The Wonga is the largest and if I could sort out a payment plan with them I would be able to get the others paid off no problem. From what I have read on here Wonga seem the easiest to deal with so I am going to default on my next Payday and hopefully get a plan set up with them. Any words of advice would be greatly appreciated. I feel like I have ruined my life I just can't stop worrying, I earn a good wage bit I am always skint because I was stupid enough to take out these loans!

Link to post
Share on other sites

Why would you think you have ruined your life? PDL's are some of the lowest priority debts you can have.

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

Link to post
Share on other sites

Why would you think you have ruined your life? PDL's are some of the lowest priority debts you can have.

 

I just feel like worrying about them has taken over my life. Hopefully I can get back on track and sort out a payment plan

Link to post
Share on other sites

Trust me when i say, there are PLENTY of people in worse situations than you. WE have a few people here that were in debt for more than 14,000 solely with PDL's. After a good few months, theyre pretty much out of debt, due to negotiations/settlement offers and challenging 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

Link to post
Share on other sites

Maybe not the right way to do it,but when i lost my job i wrote to them all. Some were good and one even offered a 50% discount over three months, i paid less than i borrowed. The rest the louder they shout the louder i shout back. I have not made a payment in over a year and frankly i do not intend to while they harass me. I use all the legal tools. Remember as well that if they sell your debt in an absolute assignment it takes more than an email to tell you.

Discredit have been told in no to uncertain terms that should they peruse i will counter claim for damages due to their lies unlawful charges and harassment. Not heard from them for 6 months.

I have no income or assets so what can they do.

Any opinion I give is from personal experience .

Link to post
Share on other sites

Guest Payday Survivor
Welcome!

 

We have 10 of them totalling almost £4000 with interest and charges. We are going to be skins for all of this year but should be debt free by the end of the year!

 

It's definitely a battle. Which companies did you owe?

 

We owe

 

Wonga

Mini Credit

Payday UK

Payday Express

Piggy Bank

Txt Loan

Lending Stream

Easy Finance

Spped Credit

Wage day advance

 

Only managed to negotiate payment plans with three of the ten so far and know I won't get anywhere with three of them but hope to sort the other four some point this month.

 

I had loans with 24/7 MoneyBox, One Month Loan, Payday UK, Payday Express, Money Shop, Cheque Centre, Mini Credit, Wageday Advance, Txtloan, Cash Converters and the one i have left is QuickQuid.

 

Most of them were fairly easy to deal with but Payday Express, Money Shop and 24/7 Moneybox were a pain in the butt!

 

Good luck with it.

 

Jamie :)

Link to post
Share on other sites

Guest Payday Survivor
I just feel like worrying about them has taken over my life. Hopefully I can get back on track and sort out a payment plan

 

Just don't take out anymore!

 

Jamie :)

Link to post
Share on other sites

Maybe not the right way to do it,but when i lost my job i wrote to them all. Some were good and one even offered a 50% discount over three months, i paid less than i borrowed. The rest the louder they shout the louder i shout back. I have not made a payment in over a year and frankly i do not intend to while they harass me. I use all the legal tools. Remember as well that if they sell your debt in an absolute assignment it takes more than an email to tell you.

Discredit have been told in no to uncertain terms that should they peruse i will counter claim for damages due to their lies unlawful charges and harassment. Not heard from them for 6 months.

I have no income or assets so what can they do.

 

Deffantley not the right way to do things,

 

CAG do not condone debt avoidance

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

There is a difference though. If i had a job i would pay as i was doing when i was working. Now however i can't pay.

 

What you call debt avoidance others would call exercising their legal rights.

Any opinion I give is from personal experience .

Link to post
Share on other sites

I'm not paying anything to easyfinance, speed credit or minicredit. I'm putting what I have offered into my ISA each week and when they see sense I will pay them what I owe. I am now earning interest on that money, nota lot but its something! i have offered every PDL we owe £5 a week which is affordable to us until. Leaves no money for luxuries but we can eat, pay our bills and manage to run the car. Most have been more than ok with this, and as I pay off each PDL I am increasing my payments to the rest, only by 50p each time I pay off a loan but every penny helps to clear the debts!!! I have worked out we can be PDL free by christmas and we owed over £6k at the height of our debt.

 

I've reported a few to the OFT and threatened to report a few others. They soon back down! I found Wonga, TxtLOan and PiggyBank were the easiest to deal with and every week piggybank email me confirmation of my payment and my new balance. They froze my account at the loan plus one month interest without even asking!

Link to post
Share on other sites

I would always suggest contacting the PDL company's before you default. I did this with Wonga and it was all straightfoward and quite easy to setup actually. I've gone from owing them just over £1200, to paying back £173 p/m for the next 7 months. I can now sleep at night and my whole months wage is not used straight away to pay back a PDL.

Link to post
Share on other sites

I found,admittedly a while ago that no one would talk to me until i missed a payment.

 

I have to ask but are the amounts you are paying back reasonable or the amount that they are demanding.

 

For example minicredit went from owing £200 to over 1200. And they accused me of fraud because i said i was single then contacted them saying sorry but my wife has just died. Both true statements.

 

I hate minicredit with a passion and as the saying goes wouldn't. p*** on them if they were on fire.

Any opinion I give is from personal experience .

Link to post
Share on other sites

I offered them £170 p/m and they came back with £173. So I accepted. They will ask for non-priority debts, which they won't really take into account. It's more about your essential expenditure.

Link to post
Share on other sites

I was meaning the total amount not the monthly installment. In my example if minicredit came back saying i owed them a reasonable amount i would talk to them. They know that and until they do they can whistle

Any opinion I give is from personal experience .

Link to post
Share on other sites

I've spoken to citizens advice who said we should offer then £15 per month but we have offered £5 per week. Any more than that and our kids will suffer and why should they go without for our stupidity ? Obviously they aren't spoilt but they need clothes, food, school trips etc. at the end of that day the PDL will get what we can afford and not a penny more. I have more important things and I am still paying them off. And will clear what I owe within 12 months!

Link to post
Share on other sites

Of they refuse your fiver a week you can then say well on advice from cab we have revised it to them£15 per month. Just make sure once you have paid off what is the right amount you stop and refuse to pay more

Any opinion I give is from personal experience .

Link to post
Share on other sites

I offered them £170 p/m and they came back with £173. So I accepted. They will ask for non-priority debts, which they won't really take into account. It's more about your essential expenditure.

 

I dont understand - why will they not take non priority debts into account ?

 

Your I & E should identify all your priority debts - you can anonymise your non priority debts, but they should be dealt with in order of priority of amount and date opened. A percentage of your disposable income should then be allocated. No creditor can insist that their debt takes priority over another.

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

Citizen B I didn't really understand that bit. However from experience,particularly with PDL s they do not care about other non priority debts. In two cases they both wanted a sum that if i had paid to all creditors would have left me with negative money each month.

Any opinion I give is from personal experience .

Link to post
Share on other sites

I thought it was pretty straightforward - I responded to a statement of bbfc

 

"They will ask for non priority debts, then simply ignore them by not taking them into account"

 

I pointed out that the pDL company have no right at all to prioritise their own debt as all creditors should be treated to the correct percentage of disposable income.

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

:thumb:

 

This is why so many people end up paying ridiculously large sums to small and insignificant debts. The louder, more obnoxious, threatening the creditor the more money they get through intiimidation.

 

It is in every "debtor's" interest to immediately sort out a budget sheet and work out their disposable income. Then each creditor gets a percentage according to value of balance. This is the way in which Debt Counselling charities and the courts work.

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

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...