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    • Hi Lolerz Thanks for replying to me, yes I've been ignoring her & will continue to do so. All she keeps saying is they want to come up with an amicable settlement. Keeps saying this to our receptionist she shouldn't be saying this to a receptionist or even me in the first place as they have given no proof of anything no IP addresses noting just keeps saying about an amicable settlement.
    • If a DCA supplies a reconstituted copy of the CCA what would be the next step? It seems that a reconstituted copy must be a " true copy " of the executed agreement, it must contain the Prescribed Terms. But given that there is no copy of the applicants signature surely it could be an agreement form with the details filled in. How can it be assumed that this " copy " represents a true copy that the claimant has supposed to have signed. Cabot have demonstrated a bit of sabre rattling when they say "Until we're able to provide this information , your account is unenforceable. This means we're not permitted to obtain a County Court judgement against you . Whilst we cannot pursue legal action, your balance remains outstanding ". I looked up a case... Cabot UK Ltd  v  Bachellier (2010) which might help, but it's tough reading, I'd prefer to plough through War and Peace. This particular case with Cabot is not huge , approx' £140, but the only other worry that I have is also with Cabot...£2100. They may try to make a point with lesser case.
    • you'll never find a court open on a w/end MB. all courts are closed Good Friday and Bank Holiday Monday. However as Andy points out, that does NOT mean you get 2 extra days to file, you get one, same as xmas/new Year. UKPC have not filed their, so no rush on yours as dave says.  
    • Top US magazine slams Britain after 14 years of Tory ‘psychodrama’ The New Yorker’s excoriating report on the state of the UK lays bare how Britain’s withdrawal from the European Union (EU) “catalysed some of the worst tendencies in British politics”. “The only way to think about it is as a psychodrama enacted, for the most part, by a small group of middle-aged men who went to élite private schools, studied at the University of Oxford, and have been climbing and chucking one another off the ladder of British public life" Top US magazine slams Britain after 14 years of Tory ‘psychodrama’ WWW.INDEPENDENT.CO.UK The New Yorker’s excoriating report on the state of the UK lays bare how Britain’s withdrawal from the European Union (EU) “catalysed...  
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    • 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
      • 160 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
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Hello, read a few bits of good advice on this site but i require some further clarification. I currently owe wonga £550 due on the 12th april. I will have just enough to pay this on my payday 12th but this would obviously leave me with almost absolutely £0 to survive for a month thus forcing me to get another payday loan (which i dont want to do) because everytime i do it becomes more and more. I have contacted wonga and told them it isnt viable for me to pay it off in one, the man on the phone suggested to me that 3 days before the money was due, set up a payment plan from the my account section of wonga. My only apprehension about this is any damage to my credit rating (would they mark this as a default on the loan? and how badly would that affect me in the future?) I do have another option avaliable, which would be to repay the loan in full then live off a tesco credit card with 21.9% apr, hopefully someone can give me abit of advice on the matter, it would be much appreciated!

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Obviously, the best thing to do (to protect your credit file) would be to pay it off and never touch them again...

 

I'd say even entering Into a payment plan would pretty much stuff your credit rating (having payday loans full stop does nothing for your credit score anyway). An arrangement to pay (I believe) is as bad as a default (somebody correct me if I'm wrong)

 

I'd personally go with the last option.... Live off your credit card and pay it off on the next payday. Interest rates (although high) nowhere near as bad as a PDL!

It never rains but it pours...

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yes that's what i thought, i can probably just afford to pay it but it would make life more much bearable if i could split the payments between 2 or 3 months instead of one lump sum? Also if my credit rating is already bad, what difference would a default or arrangement to pay make? Do you think i could contact wonga about this? Would they be understanding and co-operative or are they just looking to get as much of there money back as soon as possible (im worried if i tell them i have enough to pay it off they wont allow a payment plan). To be honest i will probably just pay it off when its due, all this worry about debts and money problems is very depressing, i just want to get back on track and have some money for once!

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Wonga are likely to agree to a 12/18 month repayment plan. They did with me, I didn't even ask for that lol. I only asked them if I could pay it over a couple of months and they offered 12 months at about £40 per month!

 

It sounds like your current credit history is ok (you have a credit card with tesco, that's a good indication that your credit score is ok at the moment!

 

I know what you mean about money worries being depressing and it really isn't worth it is it? I had a list of debt (mainly PDL debts) as long as my arm, I'm still paying back but am no where near as stressed as I once was. Cag helped me no end, taught me how to deal with creditors and laws and legislation.

It never rains but it pours...

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thanks for the info, if anyone has been able to setup a repayment plan with wonga before they have tried to take the full amount you owe please could you provide some details on this. Also is there anyone who has a payment plan and has asked about the credit report default?

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For anyone intrested heres a little more info i got from wonga:-

 

Setting Up a Repayment Arrangement

 

 

 

Thanks for taking the time to look into alternative ways to repay your loan. We'd like to help you find a way to repay your loan which is appropriate for your financial situation. While we are happy to look into the possibility of you repaying your loan in stages, there are a few things you need to be aware of.

If you do arrange to repay your loan over a longer period of time, which takes your loan past it's promise date, this will have a detrimental effect on your both your trust rating and credit score. However, setting up a repayment arrangement will freeze interest on your loan, and we will cease all collections activity.

Before we are able to set up a repayment arrangement for you, we'll need to complete a financial assessment. This is an industry standard document which requires you to submit some basic information about your income and expenditure. This information will allow us to set up a plan which best suits your financial situation, and should allow you to repay your loan in manageable stages.

Please note: we won’t be able to suspend interest or charges, and we’ll continue to attempt to collect payment for all or some of the outstanding balance and on one or more occasion, until you’ve successfully completed this form and the repayments are agreed.

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Had a loan with Wonga and was unable to pay the amount due on the due date (£1200 inc interest) I had to wait until i had defaulted on my payments and it then took them 3 days to set up a payment plan, they do advise you of this when you phone them. (Mine was set up for £50 per month, and interest had been frozen) I totally disagree with the fact that they have to wait for the payment to come back to them unpaid before they can set up a payment plan as this means they were getting 3 days interest from me. After emailing them a very brief list of my outgoing each month they accepted on £50 per month, on my account page it showed what was due and on what date which was helpful.

 

I also checked my credit file and on Equifax it showed AR against Wonga (arrangement plan set up). I was fortunate enough for somebody to bail me out of that hell and am waiting to check my credit file at the end of the month to see if has been taken off and closed...!

 

It really depends on who you get on the end of the phone as to what result you will get, some want to help others don't and do not listen to your story, yes they probably hear it everyday, but they should know that by the type of company they are, preying on the low income and charging way over the odds interest for people in need, i also know that there are people out there who have no intention of paying them back either and that reflects bad on the people that are genuine.

 

They even advertise on TV now on prime time slots with those stupid f*cking puppets, they should be puppetnapped and placed in a big fat vat of Lava....(right rant over)

 

Sorry for the waffling but there is always a light at the end of the tunnel but it might take a while to get there.

 

Peace

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