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    • Thanks everyone. Will speak with the manager first chance I get later today and let you know.
    • own topic created  tnx the info. dx  
    • this debt: MBNA Bank of Scotland Card debt- LInk got a CCJ - now want payment review - MBNA - Consumer Action Group and a barclaycard loan - did you ever send the a CCA in all these years.....when was it taken out?    
    • Welcome to the Forum. The PCN must be subject to Bye laws as the warning near the bottom of the PCN does not comply with the protection of Freedoms Act 2012 Schedule 4 Under Section 9 [2][f[] of the Act it should say: (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (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; Their version states they are pursuing you as the driver [because of the Bye laws they cannot transfer the liability from the driver to the keeper] even though you are the keeper. Should it go to Court Judges do not accept that the driver and the keeper are the same person. Obviously on many occasions another member of the family may be driving instead of the keeper. Indeed anyone with a valid motor insurance policy is able to drive your car. if any of the three cars were not driven by the keeper they are not liable to pay the PCN only the driver is.  as long as they do not divulge who was driving those lovely people at Alliance haven't a hope of winning against them in Court. What a shame. However while those keepers who were not driving are in the clear all is not lost for the other keeper drivers. Alliance still have to prove who was driving which is difficult providing those keepers do not appeal.  It is quite often that on appeal the keeper may say "I entered the car park at....."  immediately giving away that they were the driver. Plus even if you appeal it won't be accepted as a] they lose £100 straight away and b] mostly all the major car parking companies are dishonest scrotes. In the meantime you will be on the receiving end of threatening letters from Alliance, unregulated debt collectors and fifth, sixth or even lower rated solicitors all trying to frighten the life out of you to cough up. They can all be safely ignored since if you don't contact any of them they don't know who was driving so have no information that the can use in Court to identify the driver. Some time in the future they may send you a Letter of Claim which must not be ignored. Just let us know and we will advise a suitable snotty letter to send them which will show that you are not afraid of them and are happy to turn up in court knowing that you will win. Sorry it was a bit long winded.  
    • He’s still At it from a bungalow on Haslingden Road. Changed name to Bamberbridge cars with a Preston based phone number (01772) but dodgy dealings at the bungalow are still a go.
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Payday Loans taken to Pay other Am I In Trouble?


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Hi All,

 

Have been reading alot of the threads on here and really appreaciate the information provided. I am in a bit of bad situation, I have about 6 different loans with different paydayloan companies. The higher amounts are with QuickQuid and PaydayUK around 6-800, and smaller amounts with other companies. The first two were taken out just before and after Christmas, at which point I lost my job and had to find another. I rolled over the two loans, which bled all of my wags and wa really struggling day to day. I therefor had to take out other payday loans to both cover the cost of rolling the higher loans over and pay for food petrol etc.

 

I now have a new job but wont be paid a full months wages for another 6 weeks. I'll be recieving a small amount on my next payday but will need the money I do recieve to live and get to work over the next 6 weeks. It looks as though I'm going to default on the payments of all the loans at least until I get a full months wage, but even then I will need to ngotiate smaller payment amount sas I simply can't afford to pay them all of at on time.

 

Does the fact that I was taking out multiple loans to cover charges and live until the next payday mean that my actions were fraudulent? The reason I left my job was that my hours were being cut because I had complained about being forced to do overtime to cover for people on new yars day, after being promised time off due to working overtime to cover for people on Christmas and boxing day. I was being treated unfairly so walked out and started looking for another job immediately, but having read other posts on here I hear that some payday loan companies ask for written proof of your financial hardship ie, letters stating change in hours etc, but as I walked I wouldnt be able t provide this.

 

Also I have read that companies can threaten to take you to court for not providing a reasonable reason and proof of this for not paying the loan, stating that taking the loan without the ability to repay it is fraudulent. I am really worried about how to proceed.

 

Any advice really appreciated.

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Hi, welcome to CAG,

 

Fraudulent no, foolhardy yes. PDL expeienced people will be along to help.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Well that's a relief at least, I look forward to any advice. I have already copied a template for the CPA cancelation and a template to send to my creditors regarding a repayment plan. How would I start as if I send an I&E to one creditor before speaking to another wouldnt they expect more than I could afford after speaking to the others?

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Hi nate87. I've asked for your thread to be moved to the PDL forum. If you have a good read there you'll ease your mind somewhat.

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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Hi nate87. I've asked for your thread to be moved to the PDL forum. If you have a good read there you'll ease your mind somewhat.

 

Thread moved.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Thanks Mr kitkat!

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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I'm going to th bank today to give them the letter requesting they cancel the CPA's. Can I take one letter to the bank with all of the companies names on or do I need to take seperate letters for each company?

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Just one will do. Make sure you instruct the bank to deny any and all transactions relating to them. Also, make sure you tell them that you want payments cancelled to their merchants as well.

 

get the letter photocopied, signed, stamped and dated. You keep the copy, the bank keeps the original. Don't let them try and tell you they cant follow those instructions. They are breaking the law if they dont follow them.

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, do you know where I would find a list of who the companies are linked with? I dont want to miss someone out in the letter and not have a leg to stand on if they take the money. PDL's are with QuickQuid, PDUK, Piggbank, LendingStream, Quid.co.uk and Ferratum :|

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You could say something along the lines of " You are instructed upon receipt of this letter to Cancel and Deny ANY and ALL transactions made payable to: QuickQuid, PDUK, Piggbank, LendingStream, Quid.co.uk and Ferratum and their associated merchants. THis includes ANY and ALL Continuous Payment Authorities that are set up on my account".

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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I have just got back from the bank after an hour aguing with the cashier and the more senior cashier at the bank. They agrued that cancelling the CPA was impossible and wouldnt take the letter, saying that I had to speak to the companies. I advised that they were obliged by FSA regulations to cancel the CPA and that I absolutely did not have to go through the companies. She phoned a few ppl and came back with a telephone number to ring if any payments are taken by PDL's and they would refund the money and charges, Natwest Visa Debit ChargeBacks 08453660452, stating that this is a new system coming in tomorrow (very convenient), but still refused to sign the letter. I asked why and she abruptly said "Because I'm not". I said that I wanted aknowledgement of the reciept of the letter, which she agreed to, I mentioned that I would be making a complaint about her. She came back with a stamped piece of paper stating that a letter had been given in regarding my account, although while doing so she had removed her name badge, which annoyed me slightly I remeber her name tho :-). I am now to phone this number tomorrow and they will start monitoring my account and refund any moneys taken by PDL's.

 

Now I need to contact them regarding a payment plan, which will be fun. I have been thinking about going through one of the free Debt management companies like CCS or PayPlan, any advice much appreciated

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You need to get a full and formal complaint to the head office of the bank and the FSA/OFT and FOS. Your branch has broken the law. Can i ask if you spoke to the bank manager? As the front desk idiots rarely know the law.

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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ok. Did they take the letter, copy sign stamp and date it? It doesnt matter if the cashiers refuse to accept it. What matters is that letter gets copied, signed stamped and dated.

Edited by citizenB

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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No she refused to do that. She kept the letter and gave me a slip from the bank saying "Letter Recieved from ___________ regarding account number _______________" Stamped and signed. I asked what would happen to the letter and she said that it would be "sent off". I asked if it would be entered into the system and she said yes.

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Hmm. I think that might suffice as proof, but you must speak to the bank manager tomorrow. Make sure to take another copy of the letter to them tomorrow. Also flag up the cashiers attitude and that they openly and willingly broke the law.

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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You can do it yourself, but free DMP companies are good too. Just check out the company you are going to be using first. Also remember that some of these DMP companies will not contest any unlawful charges on the account. They will simply negotiate to stop interest and arrange payment on whatever amount the creditor tells them you owe.

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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They can try, but pretty much every single charge they add would be unlawful and unenforceable.

  • Confused 1

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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OK thanks alot for your help, I'll phone National debt line first of all tomorrow and then do some research on the fre DMP and go from there. Thanks alot for all your help renegade, very very much appreciated, will up your rep for this mate cheers

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I would suggest stepchange as a good dmp. But if you are unsure and want clarification, then National debtline are a great help and have a ton of resources you can use.

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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Just been to the bank and spoke to the manager after 3 payments were taken by 2 loan companies on Friday. He said that all CPA''s have now been stoppped and apologised for the misinformation I was given. However as the payments that were taken on Friday had been authorised before the CPA cancellation was requested I had no chance of getting my money back. Is this Correct? He's saying that as the companies had previously called for the money and authorised the payments, then the cancellation of the CPA on Thursday was already too late and nothing could be done regarding those payments. Seems a bit of a cop out considering all payments were techinically authorised at some point?

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Demand a chargeback. They cannot refuse as it was their mistake. Otherwise the cpa would have already been cancelled.

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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