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    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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      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.

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Payday loan trouble


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Hi Guys. Newbie here. I've got myself into a little bit of bother with payday loans. Borrowing money from Peter to pay Paul and now I'm stuck with outstanding amounts that will leave my bank balance empty once my paycheck comes in in 3 weeks time. I'm in the process of compiling all my creditors together to work out exactly what I owe but what can I do to prevent them taking the full amount which is made up of ridiculous interest charges. Yes my own fault but when you've kids to feed and a roof to keep over your head you'll do anything to ensure it happens. Any advice would be appreciated.

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Hello and Welcome morphster,

 

I'll see if I can get you some help.

 

Regards,

 

Scott.

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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Hi Morhster.

Have a look at this.Any questions just shout.

 

New payday loan survival guide by mike dailly-govan law centre.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?396982-New-payday-loan-survival-guide-by-mike-dailly-govan-law-centre.

 

Quote--Morphster

Yes my own fault but when you've kids to feed and a roof to keep over your head you'll do anything to ensure it happens. Any advice would be appreciated. End Quote.

 

Many have been in your situation.Try not to worry to much.We will help you through this.

Say two weeks at the most to sort this problem out.

To secure your bank account etc.

Listen to the info in there on Continuous Payment Authority as well.Or CPAs as we know them.

Listen hard,you will have to cancel this.Which should be straight forward.

 

Edited by tawnyowl
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Hiya. Could you give some more info on your pdl debts please.

 

Your issue is a simple one to sort out, but id like to know which pdls you loaned from so I have a rough idea on what to say to them.

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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I've been there too. I can't really offer any advice other than listen to these guys (they've guided me well through PDL problems) and make sure you cancel the CPA's with your bank. It's your money, you need to secure it.

 

Most of all, you're in control, not them.

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Hi morphster.

Say 2 weeks to sort out-time to get moving.

Cancel the CPAs do you know how to.

Then send budget and letter to them

 

1-- http://www.nationaldebtline.co.uk/en...dget-sheet.pdf

 

 

2-

Ask your creditors to accept a token payment or no payment on your debts

 

1 High Street,

Newtown,

Kent

R21 4RH

 

June 28, 2006

The Loan Company

Company House,

Church Street,

Newtown,

Kent,

R1 7HG

 

Dear Sir/Madam

 

Re Account No/Reference No:− 4563210025897412

 

Since making that above agreement with you, my circumstances have changed.

 

I cannot now afford to agreed monthly payments because ... [your paragraph added here]

 

I enclose a Personal Budget sheet which shows my total income from all sources, and the total outgoings of my household. As you can see i have no money left to make offers of payment to my creditors.

 

In view of my circumstances, would you please accept a token payment of £(your figure) per month at present to be reviewed in 2 months. If interestlink3.gif or other charges are being added to the account, i would be grateful if you would freeze these so my debt does not increase.

 

Should my circumstances improve i will contact you again.

 

Thank you for your assistance. I look forward to hearing from you as soon as possible.

 

Yours faithfully

Mr A N Other

 

If you go down this route,if the payday loanslink3.gif company will not accept your payment there are others we can send.

Cancel the CPA(continuous payment authority) and then send the letter.

Do you know now how to cancel a CPA.-just checking.

 

As i do not trust payday lenders this could be the best thing to do.

Till sorted out.Otherwise as you say your bank account will be hoovered out.

And perhaps end up owing next months wage as well.

You must feed the kids and keep the roof over your head.

Cancel the CPAs.

Then you will be back in control.

Tawnyowl.

Edited by tawnyowl
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