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    • As I recall the only thing you tried telling us was based on a quote that you selectively edited by Lord James of Blackheath. You misrepresented it as a statement of fact when it was actually a question which was laughed at by his peers in the House of Lords.  We told you it was garbage, you asked us to prove it and we did.   Remember?
    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
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savvysaver

gov petition link to ban advertising of payday loans on television

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Thank you for posting this link.

 

I particularly dislike the Wonga one which seems so jolly and cosy and friendly. Nothing like the real thing as you can see from threads on this forum. :evil:

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My son was in big trouble with Wonga - I got him to phone them, & give them permission to speak to me. I told them (debt management team) he owed me heaps (true!) they froze the interest & made amicable affordable plan to come out of bank each month. I am collecting so much dirt on them all!!

We need everyone to copy and paste the link onto every other link possible..it only has 500 signatures so far! yes, nasty attractive cartoon people-so deceptive. Next time I see him, he'll sign a letter saying he owes me, & they will keep it on their record so they wont give him any more loans. Likewise the Money Shop..

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I've posted a link on another payday loan thread, so hopefully some of the Caggers there will come and sign here.

 

I am glad you got Wonga sorted out. They have been really awful to some people on the forum.

 

Last year I was burgled and lost some jewellery with great sentimental value so I started visiting all the loan/buy gold companies close to me. I was absolutely staggered when waiting in one to hear a clearly very bright and obviously working young lady ask for a loan, and she confirmed that she'd had them before. She was drinking a Starbucks coffee. Why would anyone in their right mind be buying take-out coffee when they needed a payday loan? Totally crazy.

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Thanks Desperate Daniella. Just spotted your post on my thread.

Usually i keep a sharp eye out for such things.

I missed the epetition.

Nice idea Savvysaver to post on.

Will do.

I will also check the epetition thread is it on there.

Perhaps you could put it on there if it is not. Give me a shout if you need any help.

Link here.

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?357-e-Petitions

 

 

 

Signed

hm_gov.gif?1364282144

Accessibility Home Search published e-petitions

 

Thank you.

 

 

Your signature has now been added to this e-petition.

Click here to view the e-petition

Edited by tawnyowl

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Just signed the petition.

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Hi tawnyowl,

 

I'll check the petitions. Thank you for reminding me.

 

I think radio advertising should be banned too. The Wonga one is just too jolly and user-friendly. It all sounds such fun that you can't ever imagine such lovely people could turn so nasty.

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Hi tawnyowl,

 

I'll check the petitions. Thank you for reminding me.

 

I think radio advertising should be banned too. The Wonga one is just too jolly and user-friendly. It all sounds such fun that you can't ever imagine such lovely people could turn so nasty.

 

I agree. Not only that there are 2 radio stations that I listen to who have also ran competitions in association with a PDL.

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I agree. Not only that there are 2 radio stations that I listen to who have also ran competitions in association with a PDL.

 

That is outrageous. The owners of the radio stations should be ashamed of themselves.

 

What was the prize? A loan where you pay only half their usual interest?

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Something even worse. They have multiple adverts running at the cinema now. Although they only seem to advertise on 12a and above.

Edited by renegadeimp

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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It's ages since I've seen something 12a or above at the cinema. My cinema viewing is dictated by my nine-year-old. She'd love a payday loan. (No chance.)

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That is outrageous. The owners of the radio stations should be ashamed of themselves.

 

What was the prize? A loan where you pay only half their usual interest?

 

I can't remember the first one because it was on a station I only listen to in the morning. The station though is very popular.

The other one is you have to guess an amount of money. You phone in, guess the amount between 2 amounts already given and win if you get it right. Obviously in this day and age its was quite popular.

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signed. Wonga is really getting up my nose with their ads, seems they now have the money to go from puppets to computer generated animation. Nasty

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signed! the wonga one actually upsets me, its on the radio every ad break when i work, even at work i cant get away from these people. ban ban ban

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I saw a new Wonga one last night. It actually implies that you can fix your own terms. I think I will phone them up and say I want to borrow £1,000 and I'll pay back £1,001 at the end of the month. That would be fixing my own terms, wouldn't it? I'm going to watch it again, and maybe see if they can be reported to ASA.

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Haven't seen that one - will look out for it. We so need to get them into real trouble. They want to float on the stock market, but are waiting to see what clampdowns the Gov are going to make. Joke! we know the answer, just ban advertising etc & make them all financially unviable.

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I recently had to go into the Money Shop. after speaking to them about my sons loan with them on the phone - I'd paid them money with my d card - which they had no record of, meaning my son still owed them! I took in a verified bank statement proving it, and the ref number they gave me but it still took over two hours of me being in there before they classified it as a misc. payment. I got my refund, paid a reduced amount to clear sons account ( £210 instead of 330) plus I've put in a complaint & requested compensation for my wasted time, stress etc. t.b.c...Oh, (belated reason for post lol) while in there, witnessed many customers either requesting they pay the minimum off their loan, or requesting rollover, or I heard them say they needed one to pay their bills. These were men in working clothes straight in there from work..so sad.

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