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    • Hmm yes I see your point about proof of postage but nonetheless... "A Notice to Keeper can be served by ordinary post and the Protection of Freedoms Act requires that the Notice, to be valid,  must be delivered either (Where a notice to driver (parking ticket) has been served) Not earlier than 28 days after, nor more than 56 days after, the service of that notice to driver; or (Where no notice to driver has been served (e.g ANPR is used)) Not later than 14 days after the vehicle was parked A notice sent by post is to be presumed, unless the contrary is proved, to have been delivered on the second working day after the day on which it is posted; and for this purpose “working day” means any day other than a Saturday, Sunday or a public holiday in England and Wales." My question there is really what might constitute proof? Since you say the issue of delivery is a common one I suppose that no satisfactory answer has been established or you would probably have told me.
    • I would stand your ground and go for the interest. Even if the interest is not awarded you will get the judgement and the worst that might happen is that you won't get your claim fee.  However, it is almost inevitable that you will get the interest.  It is correct that it is at the discretion of the judge but the discretion is almost always exercised in favour of the claimant in these cases.  I think you should stand your ground and don't give even the slightest penny away Another judgement against them on this issue would be very bad for them and they would be really stupid to risk it but if they did, it would cost them far more than the interest they are trying to save which they will most likely have to pay anyway
    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
    • The sign says "Parking conditions apply 24/7". Mind you, that's after a huge wall of text. The whole thing is massively confusing.  Goodness knows what you're meant to do if you spend only a fiver in Iceland or you stay a few minutes over the hour there.
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payday loans - wonga - quick quid - safe loans and minicredit


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hi everyone,

i have got myself into a bit of a pickle with the above payday lenders. i have a gambling problem and could

not help borrowing from theses people although i am not using my gambling problem as an excuse.

i am at the point where no one will lend me anymore and i am left with £2300 to pay back [this figure is before

any interest ia added on].

i have £130 left at the end of every month which i can afford to pay back. i would appreciate some advice

on how to tackle this.

 

wonga £720

quick quid £1100

safe loans £300

minicredit £100

wage me £100

 

regards

regards

hunterandthehunted

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Hi Hunterandthehunted,

 

I would try to get repayment plans with wonga, quickquid and safe loans over 24 months. Write emails to them explaining your change in your financial circumstances and ask for repayment plan over 24 months with interest and charges frozen. E-mail negotiations with them will take 1-2 months. In the meantime use the 130GBP per month to repay first minicredit and then wageme (as these are difficult to deal with).

24/7 Moneybox: 195.00 - Oustanding: 0.00

British Pearl/Spondoolies: 752.10 - Oustanding: 0.00

Cash on go/Peachy: 206.30 - Oustanding: 0.00

EarlyPayday: 325.00 - Oustanding: 0.00

Lending Stream: 1398.46 - Oustanding: 0.00

MicroLend: 780.00 - Oustanding: 0.00

Minicredit: 520.00 - Oustanding: 0.00

MonthEndMoney/PaydayUK: 937.50 - Oustanding: 0.00

MrLender: 715.00 - Oustanding: 0.00

Pounds2Pocket: 2328.00 - Oustanding: 0.00

QuickQuid: 1800.00 - Oustanding: 0.00

SafeLoans: 450.50 - Oustanding: 0.00

Speed-E-Loans: 516.00 - Oustanding: 0.00

SwiftSterling: 1295.00 - Oustanding: 0.00

Toothfairy Finance: 544.00 - Oustanding: 0.00

TxtLoan: 450.00 - Oustanding: 0.00

WageDayAdvance: 670.80 - Oustanding: 0.00

Wonga: 1336.86 - Oustanding: 0.00

Total: 15220.52 - Oustanding: 0.00

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Before you negotiate any repayment plans, you need to secure your finances and bank account. You have at least 3 PDL's that are known for stripping bank accounts clean.

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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Quite agree with renegade. As for minicredit. expect that to get to nearer £1000 but they Will never go to court. They are absolute barstewards and i would love everyone to borrow money off them and not pay it back. ( Just joking about that bit)

Any opinion I give is from personal experience .

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Never say never with minimuppets. If they get a hint that they can get judgement by default, i can guarantee they will get a court claim in. Thats why they hike the debt up with bogus charges. Most people put their head in the sand, the debt builds up, MC throws in a court claim and wins. Debtor is no liable for the full amount.

 

If you show from the start you wont be pushed around, and if you get a good defence in if they issue a claim, they either discontinue, or simply dont turn up at court.

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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point taken sorry if i put anyone at ease. If you have your ducks lined up with them you Will be ok. Still think they are absolute barstewards.

 

Totally agree with you. When it comes to PDL's, you need to play by the book. Let THEM make the mistakes and then you can capitalize on 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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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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Hi again. I didn't notice what you said about your little "problem". Are you getting help or trying to deal with it yourself? You have my sympathy and support and hope you can deal with it.

I talk from experience and wish i could say i Will never gamble again but at the moment if you gave me 1000 i could not make any guarantees

Any opinion I give is from personal experience .

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Hi again. I didn't notice what you said about your little "problem". Are you getting help or trying to deal with it yourself? You have my sympathy and support and hope you can deal with it.

I talk from experience and wish i could say i Will never gamble again but at the moment if you gave me 1000 i could not make any guarantees

 

hi

no it is not under control but there is no way i can get credit now so with no money i cant gamble.

i could use some help in getting a letter together for the lenders to stop the interest and agree to a re-payment plan.

i dont expect them to show mercy just because i borrowed it all to gamble with.

i have also just found out that i am being made redundant in 3 months so i am in quite a bad place right now.

regards

hunterandthehunted

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A word from the wise. I am sure you are in a bad place but i would try to get some help as when your final pay goes into your bank you may think yipee and go on a bender. Been there done that.

Not sure what your poison is, mine was bandits

Any opinion I give is from personal experience .

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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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Can send either but its best sending by royal mail recorded delivery and make sure you track it.

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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Before you negotiate any repayment plans, you need to secure your finances and bank account. You have at least 3 PDL's that are known for stripping bank accounts clean.

 

if they were to accept a re-payment plan how would i go about paying them as i would obviously get a new card to stop them

stripping my account.

can they take money from my account just by knowing my bank account number and sort code?

regards

hunterandthehunted

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how about this letter for starters.

 

Dear Sir or Madam

 

Account No/Reference No: XXXXXXXX

 

I am writing to inform you that I am unable to pay the amount due on my account as I have been informed by my employers that I am being made redundant and in respect of this am seeking some advice.

 

I currently have 5 payday loans totalling £2300 [without interest] and would therefore appreciate if you could hold any action on the above account for a period of at least 28 days.

 

Also, during this period, could you please freeze interest and/or any other charges that may be accruing on the account as additional debt will not benefit either of us?

 

I look forward to your early response.

 

Yours faithfully,

regards

hunterandthehunted

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I wouldnt mention the other payday loans at all. Those lenders are known for sharing details so if one pender has bank details then all of them just got it.

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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can they get money from my bank account just by knowing my account number and sort code?

also would it be worth offering them a percentage of the debt as full and final settlement as i

will be getting some redundancy money.

Edited by hunterandthehunted

regards

hunterandthehunted

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Agreed with fletch. Make sure that YOU set up the Standing order. Too many PDL's will say to fill in their "standing order form", when really its a direct debit form that they have FULL control over.

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 need to send a letter with specific wording to you bank as well as cancel the card.

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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