Jump to content


  • Tweets

  • Posts

    • But when you perform your Stat Dec the earlier convictions will be expunged (as if they had never happened) and the sentences handed down for them are revoked. Any convictions and sentences which follow after that will occur next Wednesday and so can be appealed up to 21 days after that date.. There is simply no need for an appeal against them to be lodged at this stage. If nothing else, you do not know what you will be convicted of.   If that has what he's told you I believe he is misleading you. Magistrates are not simply waiting in court for people to turn up to make SDs. As I said earlier, most courts provide appointment dates specifically for Stat Decs and, in the areas I know about it is unusual at present to get a date shorter than three or four weeks hence. Then you really need to speak to the solicitor to find out exactly what the hearing he has arranged is for, because until you perform your stat dec your current convictions remain and the charges cannot be put to you again (and so provide you with the opportunity to offer the "deal").. This is really such a straightforward matter and I don't know why the solicitor is making it appear far more complex than it is. I would never suggest you ignore his advice, but you really need to find out what his advice is seeking to achieve and how it will achieve it.  
    • Thanks, FTMDave; I appreciate you looking into this. I'm going to draft an email to the new CEO, [email protected]. Looney got thrown out for not declaring "relationships in the workplace." 🍆 😉
    • Well, a letter of claim has arrived as predicted. Will be following dx100uk post and use your PAP reply form instead of the one they have sent. I have a couple of questions, do I send the CCA request to Cabot or to Mortimer Clarke? What should I state as the reason? I dispute this debt because..recommended reason as advised from your thread and add the debt purchaser has yet to provide any or all of the required documentation.  
    • You pushed me to look at all our MET cases going back till June 2014.  That's 10 years so at that point I got sick & stopped! MET have never, ever taken a Cagger as far as a court hearing in all that time. As scribbled above, they have issued court papers a few times but have always bottled before the hearing. In one exceptional case the motorist didn't even have to defend - the judge chucked out the case due to rubbish Particulars of Claim. Sadly in two cases MET got a judgment because the motorist didn't file a defence to the claim.  But in one of the cases MET still didn't get their money as the person said he was elderly, didn't need credit and would rather put up with a CCJ than pay MET! So that's who you're dealing with - paper tigers.  They do court in maybe 5% of cases but even then bottle before it gets to a hearing. Anyway, let's see what writing to BP produces.
    • Any update here? MET started a court case recently against a Cagger concerning this very site and EV charging - and then bottled it and discontinued the case before the hearing. It would be useful for others to know what happened in your case.
  • 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 4108 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

Couldn't agree more and if that is nothing for a while so be it.

I tend to be more amenable to those that treat me fairly but i always check the legality of any claim they make. That is why i do not always agree with some people.

Just remember CB, i think of you as one of the good/fair/reasonable people so please don't take comments i make as an attack,normally just my bad grammar and expression.

Any opinion I give is from personal experience .

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.

 

They originally offered me a payment plan of £480 p/m, so I restarted the online assessment and added some of my non-priority debts (which they classed as non-secure debt, credit cards etc) into the essential expenditure column to see what would happen, and then the payment plan went right down to below £200 p/m. Thats why I think they don't really take them into account. As fletch70 mentioned above, if I had taken the payment plan of around £480 I wouldn't of been able to pay any of my other creditors.

 

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

 

I owe just over £1200, which is total amount I needed to repay from what I borrowed in January. I have never defaulted on a PDL and this was the first time i had ever contacted one to arrange a payment plan.

Edited by bbfc
Link to post
Share on other sites

That's fine. Just so long as they aren't trying to screw you any more than they have already. That's just my opinion on their business practice and not you.

 

It is just so wrong how they try to get their money first or insist you follow their online assessment etc.

Any opinion I give is from personal experience .

Link to post
Share on other sites

That's fine. Just so long as they aren't trying to screw you any more than they have already. That's just my opinion on their business practice and not you.

 

It is just so wrong how they try to get their money first or insist you follow their online assessment etc.

 

Well they obviously were trying to from what their online assessment was telling me. I just realised what they were doing and made my non-priority debit more of a priority, which reduced the monthly payment.

Link to post
Share on other sites

  • 4 weeks later...

So for an update on my situation, I defaulted on both the quick quid and wonga loan. I sent quick quid the following email

 

 

To whom it may concern

 

I am writing regarding a loan I have taken with you that is now unfortunately in default. Due to unforeseen circumstances I was unable to repay the loan on the original repayment date.

 

I am committed to repaying this loan however I unfortunately do not have the funds to repay it all at once so I am proposing a repayment plan.

 

I propose to pay £100 on the first of each month in order to clear the loan so my payment plan would be

 

01/04/13 £100

01/05/13 £100

01/06/13 £100

01/07/13 £100

01/08/13 £100

01/09/13 £100

01/10/13 £100

01/11/13 Final payment £124.50

 

I would be grateful if you dealt with this request quickly and emailed me with confirmation that you accept this repayment plan as I feel this is a fair proposal as it is the maximum I can afford.

 

I also request that all interest be frozen on this loan and all communication be through email.

 

Thank you in advance for your help with this matter.

 

Within 3 hours I received an email agreeing to the terms and my online account was updated.

 

I had heard good things about Wonga so I thought I would ring them and see what they had to say before going down the email route. I also offered them £100 per month and immediately received an email agreeing to this.

 

I am very shocked at how easy it was and I'm just hoping it's not too good to be true! I know these companies aren't exactly the most trust worthy but I will definately have the funds to stick to that payment plan and I will keep you informed if they stick to it as well!!

 

Oh and I will never ever go near another PDL again!!

Link to post
Share on other sites

Jendev, the cynic in me believes their co-operation probably has something to do with the fact that they are very likely one of the PDL companies in the sights of the OFT

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?384484-50-payday-lenders-face-ban-warning-from-OFT

 

However, well done in being able to resolve this without too much hassle and it is very good to hear that you wont take out any more PDLs :)

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

CitizenB I completely agree thats what I thought to be honest but it's good news for me and others like me. I hope all the recent news coverage makes people realize that it is just not worth taking a PDL out. I am looking forward to a future of happy pay days rather than setting my alarm for the middle of the night to move money around!

 

I have found the advice on here so helpful so thanks a bunch everybody :-)

Link to post
Share on other sites

The PDL's will find a way around it. Take the real owner of Toothfairy/speedcredit and that group of companies. He's gone into hiding and took himself off the list of directors and passed them to his friends, but he's still behind the scenes.

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

CitizenB I completely agree thats what I thought to be honest but it's good news for me and others like me. I hope all the recent news coverage makes people realize that it is just not worth taking a PDL out. I am looking forward to a future of happy pay days rather than setting my alarm for the middle of the night to move money around!

 

I have found the advice on here so helpful so thanks a bunch everybody :-)

 

Yes, I can imagine that was pretty traumatic and agree, that whatever the reason for their co-operation, it is still excellent news :)

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

CB how could you be so cynical? Next you will be telling me minicredit are playing ball.

 

Btw does anyone know what happened to tower. Their website is sadly down lol

Any opinion I give is from personal experience .

Link to post
Share on other sites

A LOT of PDL's have suddenly shut down or gone away. Or at least theyve closed down a lot of their trading names.

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

If a dca is only acting on behalf, tell them to bugger off. Deal with the OC direct. If the OC wont play ball, report them to the OFT.

 

Also, if the web address is towercapital.co.uk then chances are they ar ein the OFT's firing line.

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

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...