Jump to content


  • Tweets

  • Posts

    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
  • 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

pay day loans wonga, toothfairy , 247 moneybox


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4060 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

hi, i was worried about my pay day loans mainly:

wonga £1000

toothfairy finance £544

peachy £119

had no problems in setting up a repayment plan with wonga i offered to pay £400 p/m the sent me a reply saying i could pay £97 p/m and froze all interest

i was looking at some horror stories in regards to toothfairy finance although once i finially got in contact via email i offered to pay a lump some to clear the debt off off 800 which is more although it works out at the current rate of interest they sent a reply back acceptingthe offer payable in 7 weeks.

peachy finance - hard to deal with .

Link to post
Share on other sites

owed wonga £1044 offered to pay £400 p/m they set up 12 month repayment plan for me

toothfairy £544 offered to pay £800 in 9 weeks time they accepted

247 money box - hardest to deal with wont respond to emails no help on live chat, they rung you up you explain the situation some woman screaming down the phone when i said im recording this call put phone down any help would be appreciated thanks

Link to post
Share on other sites

hi i owed wonga £1000 i offered to pay them £400 p/m they took a while to reply but set up a repayment plan over 12 month very easy to deal with tbh

toothfairy £544 offered to pay £800 in 9 weeks time they had no problems with this were really helpfull tbh

247 money box - nightmare wont reply to emails live chat no help they rang me up really aggressive saying pay today then just apply again i offered to pay more that the current loan and no response i suppose if i goes to court they wont have a let to stand on any help would be appreciated thanks .

Link to post
Share on other sites

Hello and Welcome woody,

 

Are you able to stick to the payments you have offered ?

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

Link to post
Share on other sites

Why did you agree 800 with tff? I hope you didnt agree to any of their charges.

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

its my own fault that i cant pay the loan problem with wages and i just wanted to get it sorted so its just the interest at the current rate with toothfairy finance , 247 money box dont reply to emails live chat no help the rang me up and i said i phoned 10 days before the loan was due to be re payed she said pay the loan then take it out again she was really aggressive on the phone i said this is not responsible lending and i stated i cant afford it and will pay the full balance next month, she just said ohh well it needs to be payed today and put the phone down on me.

Link to post
Share on other sites

They claim its interest? Is it interest that is stated on your contract, or interest they added on after the default?

 

Reason i ask is because Tff NEVER agree to an amount that large, 2 and a half months in advance, unless they are sure that you are paying the unlawful charges. Thats all we've seen here on this site, out of hundreds of threads about them.

 

The fact that they agreed so readily makes me very very suspicious.

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

I agree, i'd be glad too, but im naturally suspicious about TFF. Theyve never done this to my knowledge, and you need to be VERY careful. Their normal trick is to agree to this and then when you give them the payment details they take the amount, then a while later, take more and more. Or simply strip your account in one swoop. Now THAT, we've seen time and time again.

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

Have they not given that to you yet?

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

247 Moneybox are incredibly poor at responding and communicating. It took three months before they would accept a plan and even then they've returned my second scheduled payment to my account and given me new banking information.

 

Their online chat is useless, its rare that its up and running and last time i actually got through to someone on there after they confirmed who i was they hung up on me by leaving the chat room.

 

Bunch of idiots, if they'd have worked with me like the other payday loan lenders then they would have had all their money back plus the months interest by now. These guys, Payday Express and Capital Finance One are the worst!

Link to post
Share on other sites

Similar lack of response from 247 who did eventually accept a plan but refuse to be paid be cheque

 

Pay them by postal order and deduct the cost of teh PO and stationary used from the total amount owing. Theyll soon shift.

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

  • 3 weeks later...

These companies do not want you on a payment plan, but you need to make it clear to them that it is the only way you can clear the debt. Only agree to payments that you can afford to pay back, and don't take out any more loans.

 

What annoys me with payday loan companies is the fact you can go to 10 or more in a day and they all give you a loan!! That's just wrong.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...