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    • The case against the US-based ride-hailing giant is being brought on behalf of over 10,800 drivers.View the full article
    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
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    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      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.
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      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
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Credit File SETTLED Accounts Removal


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Hi there,

 

18 months or so ago I was going through some hard times and stupidly relied upon Payday loans to keep me afloat.

 

Most of the loans (had around 10 in total, all with Wonga) were around 500 pounds and all were paid off before the due date.

 

5 years before all of this I had had some trouble with credit and unfortunately got a default from a lender meaning I was struggling to get credit anywhere else. At the time of signing up to Wonga they were running their 'Wonga will do wonders for your Credit File' campaign (http://www.dailymail.co.uk/news/article-2237712/Wonga-sorry-sending-emails-implying-loans-wonders-peoples-credit-ratings.html) and saw them as a kind of win/win for me, enhancing my credit file as well as tiding me over.

 

Now 18 months on, having a perfect credit file (old default had dropped off and been running a credit card perfectly for the last year as well as various utilities) I am in a position to obtain a mortgage. So I've looked at my credit file and lo and behold there are 10 SETTLED Wonga accounts listed on there. Having read through the forums, from what I can gather this will not help me out at all with any sort of application.

 

I've approached Wonga about the removal of these entries as I believe they will hinder any chance of me obtaining credit, which was totally against their advertising campaign at the time of me signing up but they have basically fobbed me off with a blanket 'We have to keep an entirely accurate CRA log'.

 

I would like to however take this further, what would my next steps here be? Would it be a solicitors job from here on in or should I contact the CRA's directly?

 

Any help would be greatly appreciated.

 

Thanks!

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Hi,

 

I've got the same problem as you, not sure there's a great deal you can do, there's a thread here that may be of interest............

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?398164-Pay-Day-Loans-damage-to-your-future-credit-rating

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Hi

This can be really difficult to resolve. Yes, CRAs have to record accurate information provided by the PDLs but, as in your case, you applied on the (false) premise that by having payday loans would enhance your credit profile which Wonga accepts was wrong.

 

The only way I can see any resolution is to contact wonga again and (if your lest communication was not a complaint) submit as a formal complaint. (letter headed as such)

 

If they reject your complaint you can escalate it to the regulators. The Financial Ombudsman may take an interest as may the Information Commissioner.

 

Suggesting court action at this stage is not something I would go for.

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  • 1 month later...
Hi

This can be really difficult to resolve. Yes, CRAs have to record accurate information provided by the PDLs but, as in your case, you applied on the (false) premise that by having payday loans would enhance your credit profile which Wonga accepts was wrong.

 

The only way I can see any resolution is to contact wonga again and (if your lest communication was not a complaint) submit as a formal complaint. (letter headed as such)

 

If they reject your complaint you can escalate it to the regulators. The Financial Ombudsman may take an interest as may the Information Commissioner.

 

Suggesting court action at this stage is not something I would go for.

 

I've served a s10 notice on Wonga and am in correspondence with their legal dept via their CEO who I emailed about this. Do not go to FOS as they are an absolute waste of time and don't uphold the complaints on the issue. See the FOS outcome register to see how they treat these sorts of complaints.

 

The new CONC FCA rules will give reason to take action or in my view the DPA.

 

I've now had 5 PDL's (not for me unfortunately) remove credit footprint in full they include; Mr Lender, Pounds to Pocket, Quickquid and Vivus.

 

Cheers

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The only way is through Wonga, they are correct in recording the data, at the time these loans were taken it seems that Wonga had no idea how other potential lenders would view a PDL Loan. I think the fact that there are so many settled accounts will be a big stumbling block.

 

 

The approach of appealing to the CEO on the grounds of the advertising having the reverse affect to that claimed may work.

 

 

You could also try the Information Commissioners Office with a complaint on the same basis.

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  • 11 months later...
I've served a s10 notice on Wonga and am in correspondence with their legal dept via their CEO who I emailed about this. Do not go to FOS as they are an absolute waste of time and don't uphold the complaints on the issue. See the FOS outcome register to see how they treat these sorts of complaints.

 

The new CONC FCA rules will give reason to take action or in my view the DPA.

 

I've now had 5 PDL's (not for me unfortunately) remove credit footprint in full they include; Mr Lender, Pounds to Pocket, Quickquid and Vivus.

 

Cheers

 

Hi Orforster

 

I am having a nightmare with Quickquid at the moment, I was recently declined for a mortgage due to pdl credit file entries and Quickquid was one of them.

 

I used your template letters and they have sent me three final responses saying that they have behaved correctly and that they will not remove the entries. Can I also serve an s10 on them for this matter ? Also I have had no reply whatsoever from PDUK, how would you suggest that I continue with them? Many thanks in advance.

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  • 3 weeks later...
I've served a s10 notice on Wonga and am in correspondence with their legal dept via their CEO who I emailed about this. Do not go to FOS as they are an absolute waste of time and don't uphold the complaints on the issue. See the FOS outcome register to see how they treat these sorts of complaints.

 

The new CONC FCA rules will give reason to take action or in my view the DPA.

 

I've now had 5 PDL's (not for me unfortunately) remove credit footprint in full they include; Mr Lender, Pounds to Pocket, Quickquid and

Vivus.

 

 

 

Cheers

 

Certainly be interesting to know the outcome

 

 

"I feel sorry for people who don't drink. When they wake up in the morning, that's as good as they're going to feel all day.”

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  • 1 month later...

So I decided to go down a different route with this lot...

 

It turns out I had 18+ loans total, paying around £4,000 total in interest. So 10 weeks ago I contacted Wonga regarding irresponsible lending. This week I received a response back saying they are offering me around £1500 for 7 of the loans total interest, and if I accept this it will be a full and final settlement to resolve the complaint.

 

I have now forwarded this case to the FOS as I believe I should push for the full amount of interest owed, plus 8% and compensation, as well as the removal of any CRA entries.

 

Am I being stupid pushing on with this? I have yet to hear from the FOS but they say it can take up to 2 weeks.

 

Any thoughts would be great!

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