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    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
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Payday loan accounts & credit rating


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Hi all, been a while since i last posted about my issues with payday loan companies.

 

Fortunately i have managed to stay away from these companies but i was just wondering if simply having accounts with these companies will affect my credit rating.

 

For example, i still have open accounts with Wonga and Quickquid. I have no active loans out with them but is it worth ringing round each payday loan company (around 8) asking them to close my account?

 

Thanks in advance,

PSMITH

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If nothing has been recorded on the file and no searches have been made thrn it wont affect 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

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They can check your file at any time, but they would need a good reason to do so. They could simply perform a general search that wouldnt be recorded, but if they were to make a table 1 search, you definitely need to get full complaints in.

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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My credit report has been ruined by Safeloans, because i've been an arse i've got 20 entries from them on my file, not one item with 20 months history but 20 lines with 1 month history. So check how they report it if i were you, if its per loan you might already be buggered...

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You need to complain about that. they should be adding one entry. Not dozens.

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 complain about that. they should be adding one entry. Not dozens.

 

On what basis though? I mentioned it to them once and they just said each application is a separate credit agreement and therefore should be recorded, i didn't have the legal nous to counter that argument...

 

Looking through my credit file i can see that:-

 

Callcredit / Noddle

Quickbridge (Wonga)

Quickquid

Active Securities (247 Moneybox)

Microcredit

Lending Stream

 

All record multiple entries per account

 

and on Experian its

 

Lending Stream

Cash Bob

Safeloans

 

recording multiple entries.

 

Not sure on equifax

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Once account, one entry. Period.

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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  • 4 weeks later...

Hi, I've recently checked my credit file and noticed the same pattern with Wonga, Safeloans and Cashbob all recording multiple entries for loans. My Wonga aco**** is closed and I am coming to the end of a repayment plan with Safeloans and Cashbob. On what basis, can I approach them to advise them that it should be just be one account? thanks

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  • 2 months later...

any thoughts on what basis I should contact the lenders to ask them to remove the multiple entries? Renegade, I note your comment, one account, one entry. Could you elaborate a bit on this, please? thanks

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  • 1 month later...

I think its per credit agreement and I think that's what Renegade is driving at. So for example with Wonga if you havea loan pay it off then thats one agreement, if you take out another loan its a seperate agreement and therefore two entries. I don't think there is much you can do about that as they are in fact two seperate credit agreements. If for example though you have a loan with Minicredit you only have one agreement (a rolling credit agreement) so one agreement = one account no matter how many times you borrow from them.

 

There are other ways of getting them off your credit files though albeit a rather lengthy and onerous process. Worth it though.

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Actually sorry I have just read Renegade's post again and he is actually saying one account regardless of how many credit agreements. i have to say I don't know if that's correct but it would be good if it was. Can you elaborate Renegade?

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Hi all, been a while since i last posted about my issues with payday loan companies.

 

Fortunately i have managed to stay away from these companies but i was just wondering if simply having accounts with these companies will affect my credit rating.

 

For example, i still have open accounts with Wonga and Quickquid. I have no active loans out with them but is it worth ringing round each payday loan company (around 8) asking them to close my account?

 

Thanks in advance,

PSMITH

 

In answer to your question - yes, they can and do have a negative effect on your credit rating, despite the fact that you might have paid them on or before time. The very fact that you even considered taking one out apparently gives the impression that you were in desperate need of a quick boost of funds at some point. Mainstream lenders are down scoring when it comes to mortgages and preferential interest rate loans and credit cards.

 

Have a read of the following. orfoster has been in contact with a couple of the companies asking them to remove their footprints as they misled him by advising that using them and paying them back on time would actually improve the credit rating when that couldn't be further from the truth. He has had success with one company and is persisting with another.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?398164-Pay-Day-Loans-damage-to-your-future-credit-rating

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thanks ocelot - very interesting about cashbob, im about to escalate this now having emailed them 3 times but to no avail. what is the lenghty process of getting multiple accounts removed you refer to?

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thanks ocelot - very interesting about cashbob, im about to escalate this now having emailed them 3 times but to no avail. what is the lenghty process of getting multiple accounts removed you refer to?

 

Have you followed their complaints procedure? Does Cashbob advertise on it's site that it will/may/if pigs might fly improve your credit file?

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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I gave up on Cashbob responding so just went straight to the CRA and said why are you letting an unlicenced company record info on my credit files? Will be much quicker than waiting for a response from them. Have also emailed OFT to alert them to this.

In relation to the removing mulitple entries thing, first thing to do is CCA them and see what agreements exisit - I reckon if only one agreement (minicredit style, one agreement for mulitple loans = one entry). The other way of doing it is as Citizen B is alluding to above. Most of this lot have said that a payday loan will improve your credit rating - hogwash and misrepresentation if you ask me. Even if they didn't advertise that the fact is this is against the principles of fairness and transparancy as this is well known within their industry but they conveniently forget to mention it.

So complain, complain again, escalate to CEO, advise that this will go to FOS and Trading Standards, Advertising Standards authority, OFT and ultimately court. DONT forget your local MP and those MPs who are the main players in fighting the payday industry. This is such a political hot spud at the mo that I think this is the best time to be doing this. Simply do not back down and don't threaten the above DO IT.

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Fascinating reading this thread. I've paid back all the loans but would love to see them removed.

 

Is it not correct that you can dispute the information on your report with the CRA and if the company don't respond within 28 days the information is suppressed ?

 

That being the case how likely are PDL companies to follow up on a dispute raised by say experian? and if they don't then voi la information gone from credit file.

 

Fanciful thinking maybe but worth a shot.

 

I was never advised that they would trash my file.

 

All my nightmares were paid in full and I sent letters about how I'd never use them again and if my details did come across there systems it was more than likely fraud and they wouldn't get a penny out of me.

 

Nothing to lose so going to chance it.

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That's a great idea. PDL are probably really busy with other things these days :-) I will try this as well

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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I've been thinking more about this and peachy advertise in there website that they offer short term loans, yet in the t&c s it talks about an advance. Now like many folk and specially on the downward spiral of PDLs I never thought to check how the loan would be described as in the terms and conditions. Neither was it stated up front that the loan was classed as an advance and would be reported to CRAs as such.

 

Surely that's devious if not blatant lying about things.

 

This might be how I choose to fight this.

 

Any thoughts ?

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