Jump to content

  • Tweets

  • Posts

    • so not in your original list then on the other thread .where are you getting these OC's details from? have you not typed out the POC in full for each then? the POC must state the OC's name. it is very important as we ask on the sticky to type out the POC in FULL VERBATUM. else we've no chance of correctly advising you................. so the were PDL's? dx      
    • doesn't read that way to me. it reads if you enter the car park outside of trading hours, it's this 10 mins. if you are already parked before the closing time, you have 240mins total, the 10mins is immaterial. bit like MET and starbucks at 346 stansted airport when or when not starbucks are open.  
    • no id just suspect they've refunded it without contact. dont forget they are the ones that employ the bailiffs so are also responsible for their actions.  dx    
    • Hello everyone, I've spent some time reading the plethora of posts regarding Evri, and am regretting my choices more with every passing moment! However, on this occasion, my parcel has not simply been 'lost'. It has been delivered but is not the item I sent (Camera lens - morphed into a women's blouse during transit.) I have CCTV images of the package when handed over at the parcel-shop, and it clearly doesn't match the shape of the parcel captured in the Proof of Delivery image. I can also prove that the packaging was removed from the original parcel and reused to ensure the 'package' reached its destination - thus ensuring that the loop is closed. As a consequence, EVRI customer services simply regard the matter as closed with a successful delivery. I haven't managed to get a meaningful response from them whatsoever. So my question is simple - should my claim with small claims court follow the same template as other 'lost' parcels, or is the procedure slightly different in this instance? Thanks for the good work you do, Owen.
    • Yes, who did very little about it. We've Been to Ofsted,  victim support, bullying charities, you name it. This has been an ongoing situation for the last 2 years. The police have been unable to prosecute due to the age of the perpetrators, but they recommended we take this step
  • Our picks

    • 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
      • 161 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
        • Like

Payplan and WagedayAdvance - got another loan out after DMP

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3890 days.

If you need to add something to this thread then


Please click the "Report " link


at the bottom of one of the posts.


If you want to post a new story then


Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 



Recommended Posts



Owe £777 to WDA. Emailed about 5 days before the repayment date saying that I was going to unable to repay full amount, sent I & E form and waited a day. Nothing. So resent email and waited a day and again nothing. It was on day of repayment so had cancelled the DD and cancelled card and CCA.


Sent £50 direct to their bank, emailed them saying I had done so and will be sending this amount every month (this was amount I had offered in repayment).


Had one standard email saying missed payment but nothing else - no phone calls or emails.


Should I be worried or should I leave it? Not willing to call.


Many thanks



Link to post
Share on other sites

  • Replies 89
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Have done this but still worried about the no contact. Find it a bit odd. No arrangement has been set but I paid £50 off it as i had outlined in my proposal to them.

Link to post
Share on other sites

I advised WDA 2 weeks ago that I could not afford the repayments and that I had cancelled my CPA with the bank and requested that they do the same. I received an email last week agreeing to my repayment plan. I made the first payment last week. I didn't have any problems setting it up with them, which surprised me. Im wondering in view of the recent publicity, that they are trying to clean up their act.

Link to post
Share on other sites

Just so you all know a week after I sent an original email (21st)l i got an email from Elliot Sheppard also agreeing the repayment suggestion of £50 for £777 with a review in 3 months.

Surprised to be honest but confused why the huge delay with an occasional email.

Link to post
Share on other sites

I got an email from him last week agreeing to my repayment plan. I honestly thought I was going to have problems with them after I had heard horror stories. Maybe they are cleaning up their act after all the bad publicity about PDLs

Link to post
Share on other sites

  • 2 months later...

Hello All,

I am trying to sort a relatives finances out for them and I was wandering if everyone/posters who has a re-payment plan with WDA has had any further problems with WDA and them accepting and continuing with the arrangement.

Also if someone could post up the contact and WDA bank details to set up a standing order.



Link to post
Share on other sites



I had no problem with WageDayAdvance to have my repayment plan accepted and I paid by standing order to their bank account. However, every month 2 days before payday they setup a new DirectDebit for the whole amount (which I cancelled every month 1 day before payday).


Their bank account details are:



Account number: 90931772

Sort code: 20-45-14

24/7 Moneybox: 195.00 - Oustanding: 0.00

British Pearl/Spondoolies: 752.10 - Oustanding: 0.00

Cash on go/Peachy: 206.30 - Oustanding: 0.00

EarlyPayday: 325.00 - Oustanding: 0.00

Lending Stream: 1398.46 - Oustanding: 0.00

MicroLend: 780.00 - Oustanding: 0.00

Minicredit: 520.00 - Oustanding: 0.00

MonthEndMoney/PaydayUK: 937.50 - Oustanding: 0.00

MrLender: 715.00 - Oustanding: 0.00

Pounds2Pocket: 2328.00 - Oustanding: 0.00

QuickQuid: 1800.00 - Oustanding: 0.00

SafeLoans: 450.50 - Oustanding: 0.00

Speed-E-Loans: 516.00 - Oustanding: 0.00

SwiftSterling: 1295.00 - Oustanding: 0.00

Toothfairy Finance: 544.00 - Oustanding: 0.00

TxtLoan: 450.00 - Oustanding: 0.00

WageDayAdvance: 670.80 - Oustanding: 0.00

Wonga: 1336.86 - Oustanding: 0.00

Total: 15220.52 - Oustanding: 0.00

Link to post
Share on other sites

  • 1 month later...



Will keep this brief. I have been with Payplan since 2005. Made a huge mistake and took out two more payday loans. Could not pay them so entered an arrangement with both. They accepted a much smaller payment - about £50 each. I owe about £700 on WageDayAdvance. However due to more financial issues I find I cannot keep up the payments so I called Paypaln who agred to add them to my DMP. Wagedayadvance have now rresponded thus:








Customer ID:




We have recently received a notification from Payplan which advises you have applied for a Debt Management Plan. Although we acknowledge receipt of this correspondence, we will not be accepting the terms of the Debt Management Plan, as we do not consider ourselves to be bound by its terms.



It appears that you entered the arrangement with Payplan on 27/11/2005; this is before you applied for funds with WageDayAdvance Ltd on 26/04/2013.



Within the loan agreement, which is legally binding and enforceable, amongst other conditions, you agreed that:




1. the information you have given is true and complete;


2. all sums owed under the loan agreement, including interest shall become due and payable immediately if, WageDayAdvance Ltd believes that you have provided false and information when you entered into the loan agreement; and


3. You would immediately inform us of circumstances relating to your ability to discharge your liabilities under the loan agreement.



At no stage during your application for the loan did you indicate that you were subject to a Debt Management Plan. Given the Debt Management Plan pre-dates the application for credit, we are concerned that you applied for a loan in the knowledge that (i) you had instructed a debt management company and (ii) you would not be able to make the repayments in accordance with your contractual obligations under the loan agreement. Providing false or misleading information in a credit application could amount to fraud on WageDayAdvance Ltd.



If, you have any further information that you would like to bring to our attention, or, if you have any other questions, please contact our Debt Management Department on 01756 707306 or e-mail collections@wagedayadvance.co.uk.




Yours sincerely




Martin Perou

Debt Management

Tel : 0871 703 7777

Fax : 0844 443 2309



Any advice here would sincerely appreciated. How do I proceed?

Link to post
Share on other sites

Hello there.


It's massively unlikely that they'll do anything re: the 'fraud' as it would need criminal action against you, and although you may have mislead them I can't for the life of me see that this would be in the public interest for a successful prosecution. Therefore, my guessing is that they're just trying to use scare tactics. In addition, the fact that you're actually wanting to repay the debt would really narrow down their fraud accusation anyway.


Write back with a reasonable offer of payment supported by an up-to-date financial statement.

Link to post
Share on other sites

I understand what they are saying but actually my details were correct at the time of applying and there was no where I read that said you could not apply if on a DMP. Quite the reverse in fact.


Payplan have offered an amount that is paid on a pro rata basis to creditors.

Link to post
Share on other sites

The email will cover your back, and if they keep contacting you they are breaking the law. A recent Appeal Court Judgement Roberts - V - BOS has defined harassment as clearly contacting twice after notification that a matter will be dealt with in writing is harassment.

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


Link to post
Share on other sites

  • 2 weeks later...

Hi all,


Thanks for this forum and amazing advice.


Had a PDL with WDA. Couldn't pay. Was with Payplan (yes I know1) so sobbed down the phone and it was added. However WDA refuse to accept the DMP. I told them 'tough' essentially, waited for a week then got back the following email. Any advice?




"Dear Jonathan,

Unfortunately we do not accept pre signed letter of authorities, due to this we do require an agreement to be put in place direct with us.

We can not accept a plan through your debt management company, and a payment is required in order to hold the account further.

If you wish to discuss this further please callus on, 01756 707306



Link to post
Share on other sites

Ignore it and state in writing direct to them what the repayment plan is. Then start paying them via standing order.

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


Link to post
Share on other sites

I emailed Payplan regarding the email received above and to be honest not happy with their response.


"Thank you for your email.

Your creditor is obliged to take our payment but not obliged to accept the DMP and as such they will not discuss any issue that we may need to discuss in the future.

It is very likely that they will add all the interest and charges possible as when you took this loan you were already on a DMP and therefore you knew you could not keep the payments and this is considered fraud.

Ignoring the emails won’t make the issue disappear and your creditor can apply for a charging order at any time.

If you’re seeking advice you should address the citizen’s advice bureaux. "


WDA advance has gone VERY quiet and no contact has been made - certainly not to the extent that I thought. One email in two weeks.


Is there any advice please.

Link to post
Share on other sites

If you were on the DMP at the time you took out the PDL, then that could be a problem for you.


I will try and find some one who can help.

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


1: How can BCOBS protect you from your Banks unfair treatment

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.


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?

  • Create New...