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    • No. It's a public (council maintained) road with some houses in it.   Some other houses back onto it too and those owners have right of way down the road to access the back of their properties.  Theres a few garages with private osp - so one drives out the garage, over the osp, and onto the public side road and then out on to the public main road.  Irrespective of whether the garages are used - the local businesses parking their cars on the private osp are ostensibly preventing cars from accessing the public roads.
    • is the side street solely for access to your garages? who owns the land and thus the road? dx  
    • A local business has been parking on an off-street parking space in front of my garages (in a side street).  I wasn't using them for a while so didnt bother to do anything.  But now a second local business is also using the osp - taking it in turns with the 1st biz.  This has started to nark me.    The employees choose to drive to work.  There is no private parking in their business's street.  But there are some underground secure garages in their street - which cost apx £2.4k/y to rent - which works out apx £6.60/d. (I believe one of the biz owners already rent one for storage purposes).  If the employee had to park on a meter it would cost them £6.60/h - £66 for 10h and have to move every 4h.  They just don't want to pay for parking. I haven't confronted either of them.  Instead I just put 2 clear "no parking" signs in front of the garages. And a note on one of the cars specifically saying that as they don't live or rent in the street and it's private land could they stop parking.   They ignored that.  And just put notes on their dash with a # to call if one needs the car moved.  There is a sign and they've been told in writing to stop parking. And they are just ignoring it.    I don't what a confrontation.    I don't want to go to the expense of bollards (other than maybe traffic plastic ones - but they'll probs just move them).  Council won't do zilch cos it's private land. And police won't get involved - unless I clamp/ tow the cars and then they'd be after me, not the drivers!    What's the best thing to do?
    • yes might be the best idea. you'd only at best get 8% flat interest and that unusual on a GOGW if this was what it was. simply contact the FOS and let them know its resolved. dx  
    • If you’ve ever wondered how you might fare in armed combat, the first 20 minutes of Steven Spielberg’s Saving Private Ryan is likely to make you thank your lucky stars you were born too late to storm the Normandy beaches on June 6 1944. I suspect many of us might be driven to identify with those men who were absolutely turned to stone by fear. And yet these young men, mainly conscripts, screwed their courage to the sticking point and did the job the fate had chosen for them, heroes all.   .. UK PM Sunak perhaps thinks he understands mind numbing fear better than many as he dishonorably fled the beachhead to do nothing more than double down on dishonest spin and lies from the safety of a UK studio .. The Normandy heroes who not only held their positions, but advanced through hell to a victory that changed the entire course of history .. undoubtedly hold a different perspective.     from a perspective in TheConversation     .. 'That was the slot that sunaks team offered for the interview
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    • 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.

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Help/Advice needed please


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I have been rather stupid with my money offer the last year and now have 5 outstanding payday loans. With 4 of them now with debt collectors. I've now got myself in a position to sort out this mess and pay them off with plans.

 

 

My issue is the amounts quoted as owed are far more than borrowed. One is 6 times more. However I don't have any information on the loans. So how would I go about finding this information out.

 

 

Many Thanks

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Hi and welcome to CAG. Sorry your first post was missed.

 

Firstly, can you name the PDL companies, how much is owed.

 

You must not deal with this by phone. ALL communication must be done in writing.

 

These debts are non priority and as such, YOU work out what you have to play with and offer that. If they refuse then you can raise a formal complaint with them as they should be accepting something rather than nothing.

 

Do not be put off by the stupid 'admin fees' and 'late payment charges' as these are unlawful (on the assumption these are fixed fees)

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Hi superbluesant. Welcome to CAG.

 

an you post up as much info as possible about your debts, but make sure to omit any personal info. Forget about the charges for now, as they are unlawful and unenforceable. PDL's and their DCA@s know this but see it as a way to make profit easily.

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

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Thanks for the replys. Here is what the latest letters say I owe.

 

Pounds to Payday £519

Wonga £1400

Peachy £523

Payday Express £632

Minicredit £1800

 

I have emailed all the companies asking for a detailed statement but have received to reply.

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No itemised statement of account means you only pay what was in your contract. That is the original loan amount and original interest over the contract period.

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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What did your initial contract state? Normally it would be the amount you borrowed and the interest that was initially charged on it.

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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  • 1 month later...
My problem is I dont have this information should I send all these companies a CCA letter and write to the DCAs saying the debt is in dispute until im able to work out correct figures?

 

When you signed the agreements, they would have had a total figure to pay back on the assumption you paid on time. Do you not have these agreements?

 

If not then you will have to CCA to get them (templates are in library)

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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You send the CCA letters to whomever is chasing at the moment. If the DCA are collecting on behalf of the PDL, they should pass it on to the creditor.

 

Postal order is the correct way to go and make sure you know which postal order went to which creditor. You will get a receipt from the post office for each PO so when you send them, write on the receipt which company you paid. You can check with the Post Office to find out which one has been cashed.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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  • 2 weeks later...

Ive had a reply to the cca request from payday express here is the information.

 

Loan amount £400. over 28 days total to repay £516

 

I have had extension fee of £116 taken from my bank account on 8 occasions totaling £928

plus 3 default charges of £15 taken totaling £45

 

And this leaves me with an outstanding balance of £632 which equals the original amount plus one more extension fee of £116.

 

I now want to write to them with the object of arranging a repayment plan. But would it be worth me trying to say I will only pay a certain amount as what they want is unfair?

 

Thank you

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Did you authorise those rollovers?

 

Those default charges are penalty fees and can be reclaimex. Did they try and charge a transaction fee when you got the loan?

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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Can you post up the actual reply in response to your CCA request?

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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Well, lets do it simpler. What have they sent you?

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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Im no longer sure if they have sent what they should of having never sent off for a cca before. Its a 3 page letter. The first page states that this a statement for my account. With a loan summary stating the following:

  • Original term of loan
  • Date of Initial advance
  • Amount of Credit
  • Total Amount Due
  • Annual Percentage Rate
  • Annual Interest Rate

The next page is the statement with all the fees and payments on with a running balance and the final page has the agreement terms.

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They should send you a copy of the original app form, or post 2007, a reconstituted agreement. Then a statement of account and terms and conditions of the loan.

 

If all that is in order, and it probably is, what do you want to achieve from this?

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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Give me a few and ill write a letter. Going to re-read the thread first and see which PDL's you are having issues with.

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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