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    • I have now written up the Claim and will post this, we have also been informed by the DJ they will counter-sue for the full amount if we take them to Court for the £500 we are at a loss? We we have also included interest from the date they refused the Money in May as we are having to borrow to fund the wedding in three weeks, its so disheartening as we also have to pay £415 to put the claim in when they could have just resolved this matter!   Are they not bothered about customers at all, they are prepared to keep money without providing any service at all   Its so shameful
    • I'm afraid lapse of time has got nothing to do with it in this case. At the very minimum, though there is is six years within which to recover a debt – and when the money is paid by way of a mistake, it is six years from the date that the mistake was discovered or could reasonably have been discovered. I understand that your vehicle was damaged in an accident and the repair bill was paid by the insurer. Somehow or other, you were also paid about £2000 ostensibly to pay the garage for the repairs. As the car was already repaired, you didn't pay the money over or query it – but you used the money. I'm afraid that if that is a correct summary of what has happened then I would say that you are obliged to repay the money. If my understanding is correct – then you had probably better contact the solicitors and start dealing with them because I'm sure that they will have no hesitation issuing a claim against you and you will then be liable for the money, plus interest at 8% – plus a measure of costs – a judgement some is not paid 30 days of the date of judgement.  
    • Here is the latest draft defence aligned to each item from the POC. I have incorporated PAP detail into Item 4 of the defence in italics. Do I add the detail of CCA into Defence Item 5? Your comments, advice and suggested amendments are welcome.   1. The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced “ref number” and opened effective from 27/08/2016. The agreement is regulated by the Consumer Credit Act 1974, was signed by the Defendant ('D') and from which credit was extended to the Defendant.   Defence 1. The Defendant contends that the particulars of the claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   2.  The Defendant failed to comply with a default notice served pursuant to s87, . CCA and by 05/08/2019  a default was recorded. Defence 2. Paragraph 1 is denied. I cannot recall any dealing with HSBC in the past, I cannot recall the specifics of the alleged agreement.   3.  As at 18/09/2019 the Defendant owed “Bank of SCOTLAND” the sum of 3897281. Defence 3. Paragraph 3 is denied. It is denied that any amounts are due under any agreement.   4. By an agreement in writing the benefit of the debt has been legally assigned to the Claimant effective 18/09/2019 and made regular upon the Claimant serving a Notice of Assignment the Defendant shortly thereafter. Defence 4. Paragraph 5 is denied and I am not aware of service of a Default Notice by the original creditor or Legal Assignment the claimant refers to within its particulars of claim. The Claimant has not complied with paragraph 3 of the PAPDC ( Pre Action Protocol) and Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.    5. And the Claimant claims: 1. 397281;  2. Interest pursuant to Section 69 County Court Act (1984) at a rate of 8 % per Annum from 18/09/2019 to 25/08/2020 of 26171 And thereafter at a daily rate of 82 to date of judgment or sooner payment. Date 28/08/2010 Defence 5. On receipt of this claim I requested information pertaining to this claim from Link Financial & Kearns Solicitors by way of a CPR 31:14 request sent via Royal Mail delivery on 28 August 2020. To date, neither Link Financial or Kearns Solicitors are yet to furnish me with the requested information.   7.Therefore the Claimant is put to strict proof to:- a) show and disclose how the Defendant has entered into an agreement; b) show and disclose how the Claimant has reached the amount claimed for; c) show and evidence the nature of breach and service of a Default Notice pursuant to Sec 87 (1) CCA1974. d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   8. As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation that the money is owed.   9. On the alternative, if the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Hi   I am not really sure where to post this , hopefully it’s appropriate here    At the end of 2017 my partner was involved in a rtc when a car pulled round a bus and hit my car that my partner was driving.   on the advice of family I instructed a car accident management company to deal with the repairs/make necessary arrangements.  The car was fixed and the accident management company paid us a couple of thousand pounds to pay the garage .  The bill never came from the garage and we were told that it had been settled by the insurance company.    when I sold the car a few months ago I struggled to sell to the garage as it was registered by my insurance as a write off.  I was offered significantly less for it because of this.    today I received a letter from a solicitors instructed by my insurance company to recover the money they paid for the repairs back in 2017.    I guess logically/morally my car was fixed and the money from the accident company is extra- although the car was marked by my insurance  as written off yet fixed!   do I need to pay them the sum they are asking or due to the time elapsed etc do I not.  The letter has made me so worried as threats of court action /costs    Thank you 
    • Includes eligibility, appeals, tax credits and Universal Credit View the full article
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Loan companies and what they charge in APR

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Pounds to Pocket


Representative 278% APR. Representative example: Borrow £500 and pay £79.09 per month for 12 months at a fixed interest rate of 140% per year.1 The total charge for credit is £449.01 (all interest). The Total Repayable is £949.01.


Welcome loans


Monthly Loan Repayments: £46.33

Application Date: 3/3/2013 processing Fee: £79.99

Requested Amount: £500 Loan Term: 12 months

Total cost of this £500 loan over 12 months is £635.95


Just stumbled upon this in my search of loan companies>>>>>quite shocking




DOSH loans


Best payday loans

As a responsible payday loans lender, we offer the best online payday loans and rates if you want to have money in your bank account fast. Unlike other lenders, we have a dedicated UK customer service team, always available to answer emails, take your calls and help you with your loan application. We do our best to make your loan application process as fast and hassle free as possible so you can have the money in your account on the same day. Usually, this means an instant online decision and a fast bank transfer, straight into your bank account. Whatever you need your loan for, we can provide the best payday loans to fit your individual requirements.


When you borrow from us, you choose how much you want to borrow (from £50-£1500) and how long before you pay it back (up to 30 days in the future). You fill out a simple application form telling us about your circumstances, but we there is no credit check. All we want to know is that you are in employment and getting paid and that the money you make is enough to cover the loan you wish to take out. In most cases, filling out the online form is all it takes and you can get bad credit payday loans instant decision!

Occasionally we may need a bit more information from you, which may include some documents that you can fax to us and still get your money on the same day. Our customer service agents are always at hand to make sure we receive your documents and can approve your loan quickly. As one of the best payday loans providers in the UK with great rates, we try our hardest to get you money when you need it most. Start your application now and the money could be in your account today. If you’re looking for the best payday loan companies in the UK then apply today!


Note: If you provide incorrect information we reserve the right to charge £2.50 to cover our processing cost


Back to My Account

New Loan


First Name*

Last Name*


Date of Birth*

Email Address*

National Insurance Number


Mobile Phone*

Home Phone*

Work Phone*






House #:* Street:* Apt #: How long have you been at your current address?*





What is the equity in your house?*

What other assets do you own?*


Upload proof of ID

Current File:



Upload Payslip

Current File:



Upload Bank Staments

Current File:




How much money you need?


How much money you need?(max £1500)

How many days you need?Days

Repayment date: Tuesday April 2 2013

Borrowing £100.00 + Interest £24.20 + Fixed fee £15.00 = Total to repay £139.20

How do you like to receive your payment?


Faster Payment £15 to £50

This service incurs a £15 for amount lower than £100, £20 above £100, £25 above £150, £35 above £200, £45 above £250 and £50 for amounts above £500

Bacs £free

(3 -4 working days)

Your income & payday loan details


Primary Income*

Company Name*

Time with Employer*

Head office tel no*


What industry do you currently work in?*

How long have you have had an UK Bank account?*

What is the average balance of this account?*



EmailPassword Help


how it works

about us

my account

Welcome to Wonga.

We can deposit up to £400 in your bank account by 04:51 today.

Existing customers may be able to borrow up to £1,000, depending on your current trust rating.


how much cash do you want?Max

£400how long do you want it for?Days


(Repayment date: Mon Apr 01 2013)Borrowing £400 + Interest & fees* £121.48 = Total to repay £521.48



Representative APR 4214%

*See representative example

APR is not the same as actual interest charged find out more


Wonga customers


populus survey of 2012 with over 25,000 respondents

Responsible lending


Wonga is committed to

responsible lending and the

Good Practice Customer Charter


Wonga loan £400 for one day =

(Repayment date: Mon Mar 04 2013)Borrowing £400 + Interest & fees* £9.50 = Total to repay £409.50


and 7 days = Borrowing £400 + Interest & fees* £33.50 = Total to repay £433.50


and at 14 days =

(Repayment date: Sun Mar 17 2013)Borrowing £400 + Interest & fees* £61.49 = Total to repay £461.49


and to borrow for one month = Borrowing £400 + Interest & fees* £129.48 = Total to repay £529.48


Do not go to this company there are better options if you are in need.



I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.


Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement


PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc


1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***


Please do not PM me for advice as it may be sometime before I can respond.


Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.


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They cam charge what they like. THere are no caps yet. there are a few pdls that charge over 10,000%

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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