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    • Hi everyone, I am new to this forum. I am HOPING you can give me some advice that can help me. I am 68 years old and I currently own a leasehold property for which I have to pay (extortionate) monthly fees for Ground rent and Maintenance to a management company. During 2020, I managed to pay only for 6 months and then ended up in financial difficulty due to Covid. I was barely able to make ends meet. I stopped paying the maintenance fees around June 2020. My plan was to pay them a lump sum at the end of the year, when things go back to normal and my financial situation improved. Government advised things would go back to normal but unfortunately this didn't happen and I ended up in a lot of debt. I even had to sell my car to pay back money I had borrowed from family members. I live alone and this whole pandemic situation has really affected me mentally. To make matters worse, because I wasn't able to pay the lump sum as I originally had planned, the management company consulted a solicitor (Realty Law) to help them recover this outstanding debt. The initial debt was £596.00 + £36.15 for interest (no idea where this interest came from). The solicitors have now added on legal fees of £721.50 increasing the total debt to £1353.65. I contacted them via email and offered to pay £50 a month for the time being until I can improve my financial situation, at which point I would pay them more. Their response was the following: 'Our client has advised that they cannot honour a payment plan for that duration and therefore we have been instructed to continue our recovery process and request judgment if payment has not been made by 2pm on 29th October 2021. As such, we request that you please make full payment of £1353.65 as per the attached arrears schedule by 2pm on 29th October 2021. If payment or correspondence has not been received by then, then we shall be continuing with further recovery action and issuing a county court judgement (CCJ) which will incur additional fees. You are entitled to seek your own legal advice.'   The whole idea of court proceedings and CCJs and ADDITIONAL FEES has really elevated my anxiety levels to the point I am struggling to get to sleep at night. I borrowed money from family members and used some money that I had saved to pay off the initial £596.00, but its not possible for me to come up with the £700+ for the solicitor fees by 29th October. How is it even acceptable to charge someone £700+ in legal fees for a few letters?    Can someone please give me some advise on what on earth to do or who on earth I can speak to. I am desperate here.  Any advice would be greatly appreciated. Thank you in advance  
    • Please also take photos of the sign at the entrance as well as any signs inside the car park especially any that are different. Please take them from a distance where we can read them and if there is a payment machine, the sign on the machine or very close to it that explains their T&Cs for the machine.
    • Thanks for getting the signage posted up so quickly. The sign on entry should explain their T&Cs. As they don't it means that  what they have given you is  an offer to treat, not a contract. For there to be a contract they would have had to put their offer at the entrance.  You cannot put a notice saying that their T&Cs are inside the car park and expect motorists to be subject to those T&Cs when they are unaware what the terms are.. They have to be able to read them and understand them before they can accept them. My feeling is that the sign that includes the charge of £100 is too small to be acceptable On top of that the sign at the entrance is for Parking Control Solutions while the signs inside are from HX Management-a completely different animal. To strengthen your case for not paying them is the fact that their PCN is not compliant.  Under the Protection of Freedoms Act 2012 there are certain wordings in  the NTK  that by Law must comply with the Act. They don't  have to quote that part of the Act in their PCN but the relevant wording has to be included. PoFA Schedule 4 paragraph 9 [2]   the notice must  [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;   Your  NTK does not include  [if all the applicable conditions  under the Schedule have been met ]thus rendering the NTK non compliant.  
    • I agree its about time but why has it taken for the National Crime Agency to flag this up for then to take action and not Ofcom.   Yet again a Government Agency that is meant to deal with this hasn't Ofcom but flagged by another Agency NCA.   If the telephone companies have this facility in place already to do this then why hasn't Ofcom been pushing them to stop all these scam calls and giving them massive fines for not doing so.    
    • Hi   Send this to them:   Dear Sir/Madam   Formal Complaint   Reference:            (insert their complaint reference number here)   Thank you for your response letter dated XX/XX/2021 which I received by email on XX/XX/2021 that contained your Original Email sent that showed due to your Maladministration that you had sent the Original Email containing my Personal Data to an incorrect email address due to spelling errors in the email address.   a)      Due to this Maladministration of this email being sent to the incorrect email address this email contained my Personal Data which is a Data Protection Breach therefore I require clarification from yourselves that this Breach has been reported to your Data Protection Officer and what action is being taken to ensure that my Personal Data contained in that Original Email has not been read by the recipient that you sent that email to with the incorrect email address.   As the email was sent by yourselves to my correct email address containing the original email showing the incorrect email address was due to spelling errors (maladministration) your IT Department will be able to obtain those emails sent.   If I do not get a satisfactory response that this has been dealt with by your Data Protection Officer, I will report this Data Breach to the Information Commissioners Office (ICO) https://ico.org.uk/make-a-complaint/   b)      Due to this Maladministration I failed to receive your Stage 1 complaint response within the allocated time limit for a Stage 1 response therefore this complaint should be dealt with as a Stage 2 Complaint and if you refuse to treat this as a Stage 2 Complaint, I require Full Clarification for your refusal.   I was placed in this Tenancy via the Rough Sleepers Initiative and I find your response about damaged/destroyed items that you would not be able to look into this as this happened 2 years ago but all tenants regardless of private or social housing are responsible for arranging their own contents insurance totally unacceptable as again, I was never notified nor informed of this requirement on taking up this tenancy.   I require clarification from yourself that when a New Tenant takes up a Tenancy Agreement with yourselves why are the not informed of this requirement of Contents Insurance which you should be duty bound to inform all tenants on taking up a tenancy agreement if such a requirement and it should also be noted within that tenants Housing File which you have full access to as dealing with complaint so I require clarification as well if this is noted in my Housing File.   You state multiple properties throughout the area were affected by sewage flood on the same day and the issue will have stemmed from the mains which is not your responsibility.   a)      You have failed to take into that the above statement from yourself blaming the Mains is without any actual evidence from yourselves to back up this claim therefore I require clarification as to what actual evidence you have and to be provided with copies.   b)      You also failed to take into account that in my initial complaint letter that on 12th July 2021 basement flats 1 & 2 were flooded by sewage exacerbated by blockage in the property’s drainage. The blockage has been confirmed by two contractors after the flooding including CCR who were subcontracted by Pyramid Plus that it was the properties drainage that was blocked. Also, while I was decanted from this property, I was contacted by CCR who confirmed that the drain was blocked but they could not access manhole as it was inaccessible as it is located in a utility cupboard underneath carpet, floorboards so how could this be the Main and not your responsibility when it is within the properties boundaries.   Your response about how complaints have been made by residents in relation to this issue is that your system does not allow you to find that information is completely unacceptable as your Housing Association should be able to produce these as part of ongoing repairs and maintenance/procurement processes to present these to your Board for there yearly Budget meeting if not why not.   Then you state you are under no obligation to share that information; therefore, your organisation is not being Open and Accountable to your Service Users and under which Article of the General Data Protection Act (GDPR) are you using for this refusal.   You have also failed to mention that I can make that above request under the Freedom of Information Act (FOI) and what is your process for such a request again not being Open and Accountable.   I await your response.
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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.

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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

:D

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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

:D

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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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