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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Time to get your own back - Pay Day Loans - have you been affected by bad practices?


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SG, did you see that QQ have emailed quite a few people with threatening emails.. when they have never had a QQ loan.. ever ??

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?396717-Fancy-a-Laugh-at-Quick-Quids-expense.

 

And the latest article from the Citizens Advice Bureau makes scary reading.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?396776-Citizens-Advice-Bureau-exposes-Horrifying’-payday-loan-debt-problems-June-July-2013

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4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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These are the emails that are being sent out to people. It is quite disgraceful when the recipients have never had a loan with this or any other PDL company. I trust the OFT are looking into the actions of this particular company.

 

 

 

 

These are the e mails I received.I deleted my name and alleged account ID number.There are no amounts mentioned, just n/a.

 

 

 

Dear Signaller,

 

Customer ID: xxxxxxx

 

Unless payment is made on your loan by 2 August 2013 it may be sold to a third party collection agency.

 

To help you prevent this transfer your defaulted loan balance has been referred to the QuickQuid Final Resolution Department.

 

QuickQuid will accept a re-payment plan over n/a months. Based on your outstanding balance of n/a this would be a monthly payment of n/a. Please contact our Final Resolution Department between 08:00 and 21:00 Mon - Fri at 0800 016 3114 to accept this offer or to learn about other options available. It is important to provide dates of payment when replying to this e-mail as the arrangement is incomplete without dates of payment.

 

 

Once a payment plan is in place, collections activities will stop as long as payments are made on time. The only forms of payment accepted for this offer are Debit Card or Direct Debit Mandate. If your account information has changed please inform our agents so they can update your information.

 

 

QuickQuid Final Resolution

 

 

escalation@quickquid.co.uk

 

 

0800 016 3114

 

 

www.QuickQuid.co.uk

 

 

 

and the second

 

 

Dear Signaller,

 

 

Earlier today, an erroneous email message was sent to a number of QuickQuid customers. This email was sent in error and should be disregarded. We are working diligently to determine how this happened and apologise for any inconvenience or alarm this message may have caused.

 

 

Any customers who wish to speak with a QuickQuid representative should contact 0808 234 4558. Please note, our call centre is currently receiving a high volume of calls and therefore customers may experience longer wait times than normal.

 

Regards,

 

Arad Levertov

 

QuickQuid

 

 

 

 

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Pretty lame apology, the company should be forced to give £50 to each person it emailed incorrectly, would put a stop to this type of 'cold collecting' email, much favoured by another DCA involved in collecting PDL debts who feature on this site.

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I agree that those targeted should be given compensation, SG.

 

Not least for the time spent waiting on their automated phone system when people were trying to sort this out ?

 

IMHO, anyone who received on of these emails should have forwarded it to the OFT.

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Uploading documents to CAG ** Instructions **

 

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Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I received ANOTHER call from 24/7 Moneybox and reported them to the OFT, got an acknowledgement back from the OFT so hopefully this lot will have another nail in their coffin.

 

I am getting fed up with the 'you visited our website therefore you must be interested in a loan' when I visited their website to find out their t&Cs for another site member when I was helping on the PDL forum! I certainly do NOT want a PDL and do NOT want these cold calls!

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  • 2 weeks later...

I must admit, I would have thought that cold calling people to take out these loans would have been a nono as far as the OFT were concerned.. and the FCA !

Edited by citizenB

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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi

 

I used a payday loan about 6 months ago and the process for been accepted was easy but I found a lot of companies are just fronts on the internet and make referrals. One referrer seemed to get about 20 people to contact me on the mobile, this lasted for about 3 weeks and I still get texts from them.

 

Has there been any work on stopping these rogue ones that are fronts?

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yorkshirecagger, you might want to drop a complaint to the OFT - they collate data on these companies :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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regarding any payday loan company?, how do i apply (do i need to have an existing payday loan)

 

Sorry Is that a real question ?

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 2 weeks later...

24/7 Moneybox called me just now from 01227250085 - I told them I did not want to hear from them, the person on the phone said they were not aware of my objections on being phoned as I had had an open account with them - seeing as I never took up a loan with them I don't see how they can still have this info, it is now over 5 years since I last had a PDL.

 

I did say that I was not in the least interested and was actively against their product, to which the person replied 'You have an account with us, you must be interested'. Talk about cold calling!! They definately have called the wrong person YET AGAIN.

 

Went to the OFT website to report the call and was met with a 'We are doing essential maintenance, come back later' message.

 

I answered their call as I am expecting a couple of important calls today - this really is taking the proverbial!!!!!

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  • 3 weeks later...

I know of someone who had a loan from a pdl of £400. It now stands around £4000 and counting. I think he did try and set up a payment plan but they wouldnt accept any plan and the pdl increases the amount owing by app. £120 per month on month.

Like wise I think he has a several hundred letters, emails warning him of impending doom if the loan isnt paid in full.

Im sure at some point it has got to come to some sort of finale but when and how much they will claim is owed is anyones guess.

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Hi Nagasis

Do you think he would post his story here.

I would be very interested to hear his story.

The warnings and emails and refusals to accept any payment plan.

And some of the letters.

Very interesting.

400-4000 -Wow.

I have heard of someone in my town.The loan went from 100 - to a couple of grand.The credit union helped him.

I will just check my facts.

No i was wrong-

. "One of our customers borrowed £100 one week and was meant to pay back £130 the next. It kept going up, and by the time he came to us he owed £3,500." The credit union – a non-profit-making financial co-operative – has repaid the debt and spread it over two years so he can budget to pay it all off.

And a lad in Scotland who committed suicide.Because of the pressure.

The credit union had to help his friend rapidly also,because he had the same problem.

Edited by tawnyowl
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Just been thinking about this thread-- The Title of it

Time to get your own back - Pay Day Loans - have you been affected by bad practices?

 

The article that i read a week ago is still this morning bothering me.I still expect someone to suddenly write,no Tawnyowl the item,article news report was a joke,a spoof, a attention seeker trying to get viewers and readers..And make me after writing about it look a right idiot.Which i would not mind if true.

First British Payday Loan Investment Vehicle to be launched it said.--£100,000 Investment -40% net return probable.

 

So after thinking about who would invest in such a thing,i came to the conclusion just about every investment team and individual out there who had the money.

I will stop here,but as the thread says

Time to get your own back - Pay Day Loans - have you been affected by bad practices?

 

If you find out your employer,council,. church investment team whoever makes investments in this vehicle we will try to puncture its wheels before it sets off.

 

Get your own back,how,do not worry at the moment about that.We will work it out This will be the get your own back part.

And directly or indirectly,perhaps in a strange way,you will have been affected by bad practices

Now perhaps it is time to fly,and wait for someone to tell me no the news is not true.Which i will welcome..

 

And i like it when people are brave enough to tell us about their bad experience of payday loans,

come on in and tell us.We are a friendly bunch.

A link so you can,in a moment

 

There you go-fill in and a warm welcome and support for your experience with the legal loan sharks will arrive

Link below.

http://www.consumeractiongroup.co.uk/forum/register.php

Edited by tawnyowl
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There was a sticky from the site team saying that Friday Friday, one of the the smaller PDLs had put itself into administration, it was in Credit Today, link here - I somehow smell a rat when reading how soon after setting up they became a sponsor of a local football club.....

 

A company incorporated in June 2012 and then in January 2013 becoming a major shareholder in a football club - hope the company dealing with the winding up order looks very closely at this lot. I have my own thoughts on the matter but don't want to get the site team into a libel case. (I now know how to tell the difference between libel and slander - L for letters and S for speech!).

 

http://www.credittoday.co.uk/article/15911/online-news/black-friday-for-payday-lender

 

Also in the same issue was a piece about a Credit Union offering PDL style loans.

 

http://www.credittoday.co.uk/article/15909/online-news/credit-union-pilots-cheaper-payday-loans

 

When you read it it isn't a payday loan at all, there is no mention of the interest rate and the loan is repaid after a few months - slightly dubious editing here.

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  • 4 weeks later...

Just for you, CHEVRA,

 

We are a TV production company making a programme which will look to expose the

payday loanlink3.gif companies by hearing the stories of people who have been most affected by their bad practices.

 

 

If you have:

 

• Experienced aggressive marketing by Payday Loan companies

• Received a Payday Loan without having undergone appropriate credit checks

• Excessively ‘rolled over’ your Payday Loans

• Been the victim of aggressive collection practices

then we’d like to hear your story.

 

 

We’re looking for people who are interested in exposing the malpractice of Payday Loan companies by talking about their experiences on camera, but if you have anything at all that you’d like to share, please call, email or text in confidence.

 

 

Maybe you work for a Payday Loan company and want to blow the whistle?

 

Contact us in confidence.

 

 

Calum McKay

Tel: 0141 440 6729; 07899 816 880

calum@finestripe.com

Illegitimi non carborundum

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  • 3 months later...
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