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    • Hello, I'm wondering if someone can advise me on something. I'm appealing an order and have been asked to submit an appeal bundle and the below points are required to be included: 1) transcript of the judgment of the lower court on other record of reasons.  2) Statement of case. I'm wondering if anyone knows that "on other record of reasons" means. Also for statement of case would it just be a long document covering the reason for the claim, the findings of the lower court, why it was wrong and what I seek instead?   Thanks,
    • Hello, Thanks for the advice. I asserted my rights to reject and they accepted it and said they will refund me the full amount.  My question now is how long do they usually take to collect the vehicle? I've made it clear that I'm available for them to collect it whenever and I've been told its been passed on to the collections team. I chased it up today as its also raining heavily at the moment.  I just wondered if anyone had any experience on how long they usually take to collect? I'd obviously like it collected as soon as possible as I need to purchase another car.  Is it likely they will drag on the process of collection and what can I do if they do?  Thanks!
    • Why are FCA’s “name and shame” proposals causing a stir?View the full article
    • I am coming back to this thread after receiving a Single envelope containing 2 letters: 1 from Max Recovery telling me that my account was transferred to Drydens Fairfax in 2007 1 from Drydens Fairfax telling me that they are under instruction from their client to seek repayment.   These relate to a Barclays Overdraft from the early 00s, last payment through PayPlan was 04 June 2019, but neither of the letters are from Barclays themselves.   I have informed Drydens in both May 2019 and June 2023 of changes of address. No letters beyond a confirmation of the change and a request for finanical details have been received, which ive ignored.   What i was wanting to know is do i just ignore these as per previous advice? I know that i cant CCA an overdraft debt but what is the usual "plan" for dealing with old overdraft debts? Am i trying to run the clock down until June 2025 when it becomes statue barred?
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      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.  

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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Stopping Payment To Loan 'finder' Companys?


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7 days ago i was looking to see if i could get a short term loan. I was using a website that said i had been accepted for a loan and to enter my bank details. Once i had entered my bank details i was told i would be charged something like £68.99 for the service that will be taken from my account at some point in the next 60 days (!?). I was then given my loan options and i clicked on one was asked to enter my details and was told again i would be charged £68.99 or there about for the service!!!!

 

I decided straight away at this point to not get a loan. Ever since i have been inundated with text messages and emails offering me loans. I receive over 40 texts a day at all hours of the day and night.

 

Is there any way i can stop the 2 payments for £68.99 leaving my bank account?

 

I realise i have been stupid and should have been paying more attention, but also feel these websites were designed intentionally to mislead people in to paying for a service nobody would ever want!!!

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You should telephone your bank and follow up with a letter and confirm that these payments have not been authorised.

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

BCOBS

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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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You might also want to write to the Loan finder company and demand that they cease pestering you with texts. Confirm that you do not want a loan and that their constant texting is now bordering on harrassment - if they do not stop and remove your details from their data base, that you will be making a complaint to the Financial Conduct Authority and the Ministry of Justice.

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

BCOBS

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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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You should telephone your bank and follow up with a letter and confirm that these payments have not been authorised.

 

Thanks for replying, iv spoken to my bank (LLOYDS) and they have told me they can not do anything about it and to contact CAB to help me get the money back after it has left my account!?

 

Is it possible if i contact the loan companies i will be able to cancel the payments as it is within 14 days and i never wanted the service?

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wrong..

 

chargeback or cpa cancel

 

type in £69.99 in our greytoolbar search box

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Get lloyds to state that in writing. I bet they wont.

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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Again thanks for the replies. Does this mean i have to wait for the money to go from my account and then apply for a charge back? Would it be worth speaking to the loan company now as the money has not gone out yet and its only been 7 days to ask them not to take the money out as i do not want the service and believe i have been misled?

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No. They can block it from ever happening. basically if the merchant tries to take money, the bank will simply state declined.

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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Just be aware that most banks ignore the regulation thats in place, as a lot of people do not know their rights and issue baseless threats and never follow them up.

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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  • 2 weeks later...

You have a couple of options to get your money back once it has been taken.

 

You can request a charge back as these fees were unauthorised,

or you can approach the brokers and ask for a refund.

 

The refund will be all that was taken minus £5.

If you have any trouble getting the refund, or if there is no easy way to contact them on their websites,

talk to the Financial Ombudsman.

 

They have dealt with a lot of this recently from several brokers,

and can guide you through what to do next.

You can also make a complaint to them.

 

These sites aren't necessarily designed to mislead people,

but they aren't always clear as to what will happen once you have entered your details.

You need to make sure you always read the T&Cs carefully,

and not provide your bank details unless you're 100% you're happy.

 

As for the unsolicited texts and emails, there isn't really much you can do other than unsubscribe from them.

They will stop eventually on their own, but since your details have already been passed on it is difficult to stop...

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I had the same thing. The address this "company" was registered to turned out to be a chip shop on the coast some where.

 

I told the bank but they said I must have agreed to pay it. On my Payday, the payment came out of my account, and I couldn't get it back. Had to cancel my card instead.

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  • 4 months later...

these guys SGE Loans, Loans Direct, Loans Direct UK, etc etc are all taking money that they have not earned and do not deserve...

 

 

once you apply for a loan with one company they will bombard you with texts,e-mails and phone calls all day long.

 

 

. I applied for a few payday loans recently and did not get any money,

however THEY CHARGED ME for use of their services and

 

 

since then i have received countless offers from a myriad of companies and

I am so sick of it all I have changed my e-mail,

am going to change my mobile number and

I will also be switching banks to ensure they do not have any of my details...

 

 

I was foolish to give them my details in the first place and

now I am just trying to get back to square one, again I must say they are all take money from vulnerable people

who are just trying to get a loan, instead they get robbed!

 

 

I hate them all and I wish I had never gone there but

 

 

I have learned a lesson and from now on will not be taking any loans from anyone!!!

 

 

Just wish I had realised all of this before it makes me angry that these companies are allowed to operate in this way and just get away with it.

 

 

...they should all be locked up for fraud!!!!

 

 

makes my blood boil to think MY HARD EARNED MONEY IS NOW IN THEIR HANDS

and there is little I can do to get it back cos Im just the underdog and they are the big boys..

 

 

.what goes around comes around and I hope it comes FAST AND HARD!!!

 

 

Hard to write all this without swearing but I have a punchbag that is now cowering in the corner thanks to these bleeeps! ..

 

 

.....thanks for taking time to read this and please respond with your thoughts on them

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Theres plenty you can do thomass. You just have to be prepared to be hard headed and see it through to the end.

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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Dont be too threatening with them. keep your cards close to you and follow the rules. Let them or the banks slip up THEN nail 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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