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    • I bought my house 2 years ago. The previous owner had died. I continue to recieve parking fines and communication from DVLA in the name of the dead person, despite contacting DVLA via post to inform them I am the new owner of the property. I have sent them proof of purchase and ownership but the communications continue to arrive. Aside from using "return to sender", does anyone have any idea how to stop this and get DVLA to update their records? Not sure if relevant but the Tax class on the vehicle is disabled meaning that the price of vehicle tax is £0 per year. I assume someone is using this to get free vehicle tax which is up to them, but I'm bored of fighting with parking charge companies and getting threatening letters, as whoever is doing this is also not very good at paying for parking.
    • I haven't heard of them asking for photographic evidence in this way before – but I don't think it will really pose a problem. Have you got a history of sending parcels which were then lost and you had to claim for? When you send your letter of claim? Was the item properly declared? Was the item correctly valued? Please answer these questions and then take at least a couple of days reading very thoroughly the stories on this sub- forum. There are lots of them. Read some of the pinned topics at the top which will explain the principles and then read the stories to see other people's experience. Post up your letter of claim in PDF format so we can see what you sent.  
    • Just to clarify - it was the lender who undertook works, not me.  They racked up huge huge sums in refurb costs - which were completely unnecessary.  They have been trying to charge all the costs to me.  I refuse to be held accountable in my defence and counterclaim.   (I refuse to  be held liable for these works costs whether vat was or wasn't added - I maintain its the lender that must cover the costs).  It was a ridiculous sum of money and made no difference to their ability to sell either.  As its still unsold.    I can see - from disclosure paperwork - that the lender ceo uses this contractor all the time on other properties - for himself and for the bank.  The payer may not be responsible for the contractor's failure to add vat - but the ceo can clearly see it's not being charged - and again and again on all his jobs.  So he is complicit even if not guilty of the actual fraud.    I admit I'm angry with them. The sheer injustice and arrogance (that they could/ can do whatever they want and get away with it - has been astounding.  It's why I have fought so hard to get justice.  This particular issue is just another niggle.  They think they are above the law; can circumvent it - with no consequences / repercussions.    Thank you dx for pointing me to the link. I will now follow that up
    • I have posted the letter off today - sent recorded delivery, so should get to the Police early next week. I also walked along the street where this happened and checked if there were any CCTV cameras or video door bells in that section of the road, but could only find one. I talked to the owners of the house with the camera but they say it is set to only cover the area leading up to the house and not really the pavement or road and footage also auto deletes after 72 hours, so anything captured would be gone now. That was disappointing. I walked along the road a bit more, but couldn't see any other video door bells or CCTV, so that didn't help.  I always thought most people have at least a video door bell these days but not in that road... 😐 So came home a bit disappointed.  If anything else happens I will post an update here, but may not be for a week or so. Not sure how long this will take now.
    • Hi all.   I've just cancelled my Virgin Media because my Wife and I are going abroad for 12 months or so. My Son will be staying in our home, and wishes to start a contract with them. He signed up to a great deal for New Customers online, and a Contract Agreement was signed online. He had a delivery date for a Self Installation Kit but it never arrived. After speaking to numerous Virgin Media Staff online, they are insisting that he calls their Pre Installation Team (I presume that is their sales Team to try and get more money). He doesn't want to speak to them over the phone. He doesn't mind doing a Live Chat, but he hasn't got an Account Number yet, so that's impossible. He even had a chat with a Team Member on Whatsapp, who say they don't have access to the information they need, so he has no option but to call them. Why can't they just be straightforward with their Communications? Is there any other option other than calling them?   TIA.
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
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      • 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
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    • 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
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Not sure if this has been mentioned yet

 

http://www.oft.gov.uk/news-and-updates/press/2013/23-13#.UUi-_leB7DU

 

And this

 

http://www.guardian.co.uk/money/2013/mar/19/payday-lender-shut-identity-fraud

 

In the Guardian article, it states that MCO are using Webloans Processing and NDR to collect debts but as regulars already know Webloans is Toothfairy and Toothfairy and MCO are the same company,

 

Sniff sniff???

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and Toothfairy keeps on existing, so nothing won really... what a joke

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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http://www.ft.com/cms/s/0/0fd49152-9087-11e2-a456-00144feabdc0.html#axzz2OAhdJYvt

 

Are these two other companies they used also closed down ??

 

 

 

Pop Credit and Speed Credit

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Paycheck credit, popcredit and speed credit are (were) the trading names for MCO so in theory they should not be trading at all. I haven't checked to see.

 

Hmm! Just checked and popcredit website still active. The other two state that they have closed their business.

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The last couple of days. I've noticed I've not received my twice daily phone call from PaycheckCredit/NDR/Marshall Hoare.

 

Running scared?!

 

I would like to know what the situation is as I'm due to pay them the usual £34 next month as part of my DMP with Payplan

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Wonder if the OFT will adopt the sensible approach and have one licence per trading name.... that would stop a lot of the abuse of customer information and bank details.

 

I have my own short list which of course includes Uncle Buck...

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They wont ever do that sillygirl1. Thats too much like common sense.

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..

 

 

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And ban the directors of these firms from being directors of financial firms in the foreseeable future.

 

But of course we know these organisations don't do common sense, they wait and wait and then are seen to think about it....

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Has anyone managed to pay off there loan? On approaching speed credit the site as we all know has been closed down so I rang the number which referred me to notherndebtcollectors.com when clicking the pay now button to pay off my debt it says my loan doesn't exist? Someone please help!

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Someone told me the other day that Prime Payday have stopped lending ?

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Not apparantley. Theyve been closed down completely, and the shady person who owns the company has moved everything to another of his sub companies.

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..

 

 

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Not apparantley. Theyve been closed down completely, and the shady person who owns the company has moved everything to another of his sub companies.

 

Really? is that published anywhere Renegade ?

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Toothfairy has been moved over to webloans just before MCO got caught out by the OFT. Both groups of companies are operated by the same man, who has now gone into hiding. Addresses/phone numbers/names of staff, and bank details are the same too. He thinks by running away, but keeping control and naming a "friend" as the current manager, he can escape any prosecution.

 

WHat was funny is i actually telephones toothfairy once for a laugh. They answered 3 times as speedcredit. I waited 30 mins, then called again, and they said they were toothfairy. Waited an hour, same number, they answered as speedcredit. Even all their weblinks/email addresses go to the same online forms and servers as all of MCO 's online stuff did.

 

Thats too much of a coincidence for me to shrug it off.

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..

 

 

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Sorry, I thought we were talking about Prime Payday

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Probably were. But if they were owned by MCO capital, the above comment of mine still stands. The excuse they are giving out now is all of MCO's loans that are in default, have been passed to NDR ( who are MCO under another name)

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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Probably were. But if they were owned by MCO capital, the above comment of mine still stands. The excuse they are giving out now is all of MCO's loans that are in default, have been passed to NDR ( who are MCO under another name)

 

Renegade any idea how I go about paying my loan back? Speed credit and tooth fairy both say my loan doesn't exist when I go to pay now? But I haven't paid it back so not sure what's going on? I want to pay it ASAP to avoid charges etc but like I said apparently my loan doesn't exist =\

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If they say your loan does not exisit, print it out and keep it, then if anyone else comes chasing that is your proof.

 

You could put the money to one side for about 6 months but if both companies have gone then there may be no recourse.

 

You could also phone the OFT and see if they can hep you.

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Im with sillygirl on this. Hold the money incase someone comes along with full proof that you owe it and they have he paperwork to enforce it. Do t worry about it right now.

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,

 

My other half has been having problems with these for over a year. He had a loan of £300 or £400 off them and basically, rolled it over loads of times and then he tried to sort out a repayment plan. Obviously, they wouldn't accept any and now the debt apparently stands at well over £2000. He originally had the loan off " Paycheck credit" but had constant emails from Paycheck credit, Toothfairy and NDR all about the same loan??

Where do we go with this as there is NO way he will pay then the ridiculous amount they are claiming and as we have heard, Paycheckcredit no longer exist. Any advice please?

Thanks.

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They are all the same company. Keep the money in your account so you are ready to pay them if someone comes along with full and complete proof that you should pay them and the debt is enforceable.

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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Ok thanks,

I also forgot to mention, he also got emails from Marshall Hoare Bailiffs who I know are also the same company. They were the last people to contact him in January. Are they legitimate and can they really, legally say that they own the debt even though we know they are still the same group?

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MHB are the same company and regulary say they own the debt, even when they can provide no proof at all. I think its time you started making complaints to the OFT.

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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