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    • wont go near it with a barge pole as its ex gov't debt.  
    • Thanks, I've had my fill of this lot. What makes me so mad is that I had to take out student loan to get any DHSS help. And then when I tried to help myself and family they presented obstacles. Might be worth passing story to RIP off Britain?
    • there is NO exposure if you simple remove your name address/ref numbers etc from docs, over 10'000 pdf uploads are here. which then harvests IP addresses off of the people that then do so..which is why we do not allow hosting sites. read our rules and upload carefully thats exactly why we say capture as JPG, redact, then convert/merge to one mass PDF. then online sites to achieve that we list do not leave watermarks.  every once in a while we have a user like you that thinks they know better...we've been doing it since 2006 with not one security issue. thank you.
    • was at the time you ticked it  but now they've still not complied . if you read up, here , you'll see thats what everyone does,  
    • no they never allow the age related get out, erudio are masters at faking supposed 'arrears' fees which were levied before said date and thus null its write off. 1000's of threads here on them!! scammers untied that lot. i can almost guarantee they'll state it's not SB'd too re above, but just ignore them once sent. dx    
  • 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

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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 .

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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
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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 .

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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.

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  • 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!!

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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 :)

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Dealing with Customer Service Departments? - read the CAG Guide first

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3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

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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

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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 :-)

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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

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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

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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 .

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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

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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

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