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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • dx100uk
      Licensed breeder Puppy farm & genetically sick pups.***Settled***

      By dx100uk · Posted

      deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
    • Lesley A
      Licensed breeder Puppy farm & genetically sick pups.***Settled***

      By Lesley A · Posted

      Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
    • slick132
      soccersixes chasing owed money

      By slick132 · Posted

      Hi Roberto, Read some of the other threads here about S Sixes - they all follow the same routine of threats, threats, then nothing. When you do this, you'll see how many have been in exactly the same situation as you are. Keep us updated as necessary .............
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      Why Virgin Money takeover may mean better rates for Nationwide savers - SYLVIA MORRIS explains

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      Nationwide's takeover of Virgin Money is hitting the headlines as thousands of customers protest that they will not get a vote on whether it should happen.View the full article
    • dx100uk
      Lowell/Shoes SPC Claim Forfar Sheriff Court - Old Newday Credit Card.

      By dx100uk · Posted

      unrelated to the agreement then, could have come from Lowells filing cabinet (who lowells - they dont do that - oh yes they do!! just look at a few lowell paypal EU court claim threads) no name and address for time of take out either which they MUST contain. just like the rest of the agreement then..utter bogroll that proves nothing toward you ... slippery lowells as usual it's only a case management discussion on 26 April 2024 at 10:00am by WebEx. thats good simply refer to the responses you made on your 4a form response only. pleanty of SPC thread here to read before the 26th i suggest you read at least one a day. dx  

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Mr Lender - help needed

swanleyboy
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swanleyboy

swanleyboy

Posted
Posted

Hi there

 

Made a mistake and used Mr Lender. I borrowed £500. Over a series of months I 'rolled over the loan' 4 times @ £135.00 = £540. I then, after much pain, entered a payment plan with them - after paying the £135 they needed to set it up! I now pay £50 a month for nine months.

 

I think I must be stupid!

 

Can anyone advise what to do here as looking on the forum it seems that one months interest is acceptable. if I go through with it all payments it will then be well over £1000.

 

Any advice on how to proceed or letters to send?

 

Many thanks,

 

Jon

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Jamie Kingston

Jamie Kingston

Posted
Posted

the unfortunate thing is although you have repaid everything etc... they are still within their rights to ask for payment. If you took a mortgage and then repaid interest and paid the same amount as the capital back you can't just tell the mortgage company to do one... I wouldn't agree with Sillyboywyn - you may be able to negotiate a more appropriate deal in the circumstances.

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fletch70

fletch70

Posted
Posted

I do not wish to rain on anyone's parade but the one months interest is in my opinion rubbish in this case. I imagine that each time you rolled over you digitally signed a new credit agreement? . If that is the case you will have paid only the contractual amount on the latest loan.

 

Having never used them i can not comment on their collection techniques but i think they may be more trigger happy than some on litigation.

 

You could refuse to pay and take the risk, not recommended but what i would do as i have nothing to lose,or you pay up as agreed.

Any opinion I give is from personal experience .

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renegadeimp

renegadeimp

Posted
Posted

You owe the original loan, plus original interest stated on your contract and a default fee. The rollovers are completely separate and basically you gifted them free money to keep them off your back for 4 weeks.

 

If they try and add charges, then make them justify them. It would be very interesting to see their reply.

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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RobbingHood

RobbingHood

Posted
Posted

People need to get the idea of 'I only owe the capital plus one month's interest' out of their heads.

 

The fact you rolled the loan over several times is irrelevant and can't be taken into consideration when you're setting up a payment plan. Sorry, but you would have known this when you rolled it over all those times.

 

One thing that does confuse me with Mr Lender though, is that they charge 1 months interest to enter a payment plan which is wrong, they should have stopped all charges/interest at the point you entered a payment plan, so your balance would be £635, then if you paid £135 that should come off that balance and then £50 per month thereafter for 10 months? Not charge £135 then setup a payment plan for £635. That is something they shouldn't do in my opinion and perhaps you could challenge that?

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renegadeimp

renegadeimp

Posted
Posted

That one month interest charge for a repayment plan is against OFT guidelines. The ONLY reason they do it is because nobody reports them and it give them your bank details to strip the account. It's well documented on these forums.

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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fletch70

fletch70

Posted
Posted

I was saying the one months interest was rubbish a year ago but was treated with utter contempt.

 

As for the total repayable here it seems to me to be reasonable if i have my maths right. Borrow 500 interest about 125 so repay 625.

On this repayment plan,9x50=450+135=585 so actually less.

Any opinion I give is from personal experience .

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swanleyboy

swanleyboy

Posted
  • Author
Posted

No - not the case but my fault as didnt give full facts.

 

Loan was £450 - I rolled over 4 times at £135 interest. I then called them and after a long email exchange they set up 9 x £50 payments but theu 'charged' £135 to set up the repayment plan.

 

Repay Date Amount Notes

25/02/2013 £50.00 Payment 2 of 9

25/03/2013 £50.00 Payment 3 of 9

25/04/2013 £50.00 Payment 4 of 9

24/05/2013 £50.00 Payment 5 of 9

25/06/2013 £50.00 Payment 6 of 9

25/07/2013 £50.00 Payment 7 of 9

23/08/2013 £50.00 Payment 8 of 9

25/09/2013 £50.00 Payment 9 of 9

25/09/2013 -£135.00 Discount to close account

 

I really need a template of what to say if I'm going for' i've now paid more than one month plus one month interest.'

 

I have already paid 4 interest payments totallling £540.

 

Has anyone actually done this and what was the result?

 

Thanks again

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fletch70

fletch70

Posted
Posted

So just to clarify, you rolled over 4 times at at some point after the last follower you asked for a repayment plan. ( How long was that)

Eventually the agreed so long as the first payment was 135 and then 9 payments of 50 which is a total of loan and one months interest.

 

My thoughts are that your argument you have already paid more than that has no legs what so ever.

 

So far as i can see your options are pay either as they requested or a lower amount or not pay anymore and take the risk that they will bring the fight to you with a possible ccj.

 

Sorry if that'd not what you want to hear. If you are working with some assets i would just suck it and pay up.

Any opinion I give is from personal experience .

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BRIGADIER2JCS

BRIGADIER2JCS

Posted
Posted
No - not the case but my fault as didnt give full facts.

 

Loan was £450 - I rolled over 4 times at £135 interest. I then called them and after a long email exchange they set up 9 x £50 payments but theu 'charged' £135 to set up the repayment plan.

 

Repay Date Amount Notes

25/02/2013 £50.00 Payment 2 of 9

25/03/2013 £50.00 Payment 3 of 9

25/04/2013 £50.00 Payment 4 of 9

24/05/2013 £50.00 Payment 5 of 9

25/06/2013 £50.00 Payment 6 of 9

25/07/2013 £50.00 Payment 7 of 9

23/08/2013 £50.00 Payment 8 of 9

25/09/2013 £50.00 Payment 9 of 9

25/09/2013 -£135.00 Discount to close account

 

I really need a template of what to say if I'm going for' i've now paid more than one month plus one month interest.'

 

I have already paid 4 interest payments totallling £540.

 

Has anyone actually done this and what was the result?

 

Thanks again

I would write and TELL them that you now consider your liability discharged as you have made the required payments of 9x£50 and the one off £135.00 charge + £xxx in interest and you will not make any further payment and you consider the matter closed.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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renegadeimp

renegadeimp

Posted
Posted

Trust me when i say, if brig gave advice, youd do well to follow it as you can guarantee it has worked well in the past.

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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fletch70

fletch70

Posted
Posted

Problem being that from what the OP has said he hasn't made the payments. If that is the case i am afraid the brigadier is wrong.

We are still in April 2013 and the repayment plan doesn't finish until September .

Any opinion I give is from personal experience .

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fletch70

fletch70

Posted
Posted

Swanleyboy if its of interest i am not working and have no assets. I have not repaid my payday loans because i have NO money and they haven't taken any court action to date.

The only way you could argue about the payments imho is if they did automatic rollovers without you having to sign a new agreement .

Any opinion I give is from personal experience .

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BRIGADIER2JCS

BRIGADIER2JCS

Posted
Posted

Sorry I misread the payment plan.

It will now be difficult to go back on the agreed plan, unless you can prove that you were coerced into making such an agreement, there is no factual basis I think for the payment of the original loan + 1 months interest.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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swanleyboy

swanleyboy

Posted
  • Author
Posted

Right so I have to pay then! OK

 

Yes i did roll over 4 times which meant that the payments 'paid' the original loan. I rolled over as £135 was a lot less to find then £450.

Stupid I know. I then came to a decision that it was mad to carry on so I emailed them. They said yes to a payment plan but as the previous posts have said they needed £135 and then payments of 50 x 9.

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BRIGADIER2JCS

BRIGADIER2JCS

Posted
Posted

Difficult to know what to advise now, before this ''repayment'' plan was entered into how much have you already repaid?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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