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    • You're like, super helpful and unhelpful at the same time lol.   What do I search for, I searched form 4, and nothing, I searched claiming compensation and nothing about this.   I can't find the top squares logo.   Can you post a link or tell me what to search.   Sorry if I'm slow.
    • use our custom google search box  click our top squares logo it should appear on that page   dx
    • Apologies, I haven't used a forum for years!!   I defo wish to keep the 2 issues separate, sorry!   My only issue I need help with is the increased compo for marstons - if possible.   I don't know anything about claiming compo etc. (I only recently found out one of the NHS biggest costs are NDA payouts)   I don't know what form 4 is; so far, they've offered £250 and I haven't accepted or denied it.   So yeah, can you forward me to some more info?   Also, usually I'm good at google etc. but I can't find many stories on this stuff, regarding PCN/TFL etc.   Thanks again!
    • ok things are getting clearer...   I've merged 2 of your posts for clarity and removed the swearing, (behave please) I've also taken down the two images you posted should you wish to post things up please use PDF so we can zoom easily and don't forget to redect them read upload carefully.   I think you need to continue to keep the two thing sep. those being increased compo for marstons- if possible ( if you are raising a form 4? complaint through the court - it might be better you don't? - they are very hard to justify and can be costly - so the fact it might not be moving forward could be a good thing, but listen to others here too) and the issue of the PCN wasn't justified - which you need to further expand on please.   the more info you post up the better please but please use multipage PDF files only and carefully redact them    
    • Thanks for trying btw! It's kinda in 2 parts.   1 is that the PCN wasn't justified in the first place and I wasn't aware it had escalated. I received the initial fine from TFL which I challenged and heard nothing back from (for 5 months). Then another letter from a separate PCN which made me email TFL to inquire what was going on but again, heard nothing back.   (BTW I can see how confusing this is so thanks again for trying)   So, I had no idea my car was at the risk of being taken - that's the first part.   No 2. is:   I got a phone call saying my car was on the back of a truck round the corner from mine (they hadn't left any notices or anything, and the car was parked directly outside my house). My friend said they were attaching the straps and securing it to the van (so I think they got it on the back of the van and moved it before securing it).   When I ran round the corner I saw the EA's van. I went upto it and asked what was going on. He was rude and told me to go away. Then after I kept knocking he got out the van and was aggressive and refused to ID himself or tell me why he had my car.   He shouted at me, was rude and unprofessional, he then left with my car. I complained to Marstons and asked for the bodycam footage.   They gave me the footage but it was clearly edited and cut short (because in the beginning of the footage he was the most aggressive).   They then told me he wasn't required to have the camera turned on when he's in the van, only when he's 'actively pursuing a warrant' and I was only allowed the footage I was in. (which is 2 different things) So I asked them to clarify which is true.   Anyway, I reviewed the footage and sent in my complaint (talking about what happened in the footage) They replied and said they watched the footage and disagreed with everything I said.   So I wrote a more in depth response with the CIVEA code to reference + the TFL EA guide etc.    Then they asked for more time, called me and finally apologised and admitted he had acted untoward and was in the wrong.   They then offered me the goodwill payment.   This has taken up weeks of my time, caused me serious trauma and PTSD and even after I complained WITH video evidence, they still initially denied it which means they officially lied, on record, while representing TFL.   I told TFL what was happening they said I had to continue with Marstons etc.   £250 goodwill isn't enough, the car cost £800 to get out, the suspension is messed up and I'd like to claim compensation for everything.   I don't know if that makes me sound like i'm money grabbing or whatever but they shouldn't be allowed to get away with it.   The police had to come before they could call an ambulance cause I was having a panic attack and it was a HORRIBLE experience.    So any help would be great please    I have the whole file from Resolver in a ZIP file but it's a lot of writing and I think you've read enough of my writing to last a life time!   I did a statutory declaration of OOT, got it signed by the court etc. but it was rejected.   I then tried to take them to court but it cost £250 I think which I don't have. You can get it for free if your low income but they wanted bank statements that I couldn't get. They're waiting for me to reply with documents to get a free court date.    did you receive any of the pcn's - was that why you appealed? - Yes, sorry!   unless it's trying secure a greater level of compo from marstons? - Yes, sorry!   For the record I just saw this pop up, read it and now feel much less guilty about my enquiry!
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graham1973

Wonga writing off debts - can you claimback what you have already paid if they do?

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It shouldnt be a lottery as to whether you benefitted a little or lot depending on the dates involved.

 

I feel like im moaning a lot now lol

 

Just when you think it through logically its so unfair

 

at least with the ppi scandal it was a lot more straightforward and black and white

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The FCA need to clarify if this rule applies regardless of whether you still owe money or not and if not why not as what is the difference apart from them having to pay out extra millions.

 

Be interesting to find out the FCA take on why someone can get say £500 written off because they should have not been lent the money in the first place, yet someone who has paid their debt off in full cannot get any redress when they to should have not been lent the money in the first place.

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That was a point I raised wilko, their will be plenty of people out their who have only just stated on a repayment plan who will get the whole lot written off I know of one person who has just had £900 written off and good luck to him but this ruling should apply across the board, make no bones about it.

 

And your not moaning wilko you have a valid point as do allot of other people

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Im just seeing things in very simple terms

 

they made a profit out of me on at least the one occasion... 100% sure more than once but thats another kettle of fish... so on this one occasion (the active loan) i shouldnt just get £105 wiped off I should get REPAID the interest ive paid so far that i shouldnt have been charged on the loan that they themselves admit shouldnt have been granted

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I am in total agreement with you to me in laymen's terms if people are getting the whole of their loan written off and mark my word their will be those people, then you should get the WHOLE lot back to, let alone just the interest.

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That would be just short of £900 for me. I can clearly see why their trying to sweep the whole matter under the carpet.

 

Just hope it all kicks off and they are forced to relook into the whole mess!

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Least Dick Turpin used to wear a mask when he robbed people:lol:

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I've just finished 15months of hell paying back 2 payday loans,

one with wonga 3 days before the decision was made and

I'm furious that because I've struggled to pay it off

and I don't get any interest or fees back.

 

 

I know other people aren't getting money back as such but it's getting wiped therefore they are gaining.

 

 

I'm writing to wonga today underlining all the reasons why I would never have gotten a loan

under the new lending criteria, then I'm taking it to the fos.

 

 

I've had some interesting reading on there website of people in my situation

who have had all there interest and charges back due to the affordability.

 

 

Also why are wonga the only company to be doing this,

cause I can say that quickquid are much worse than wonga and there will be many more

but they they don't seem to be being held to account.

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Also why are wonga the only company to be doing this,

cause I can say that quickquid are much worse than wonga and there will be many more

but they they don't seem to be being held to account.

 

I bet its because consumer debt is a lit powderkeg over society. On average we owe around 170% of disposable income.

 

If they started applying the same measures to other PDLs it would only be a question of time until it would be expanded to log book loans, store cards, catalogue accounts, current account overdrafts, mortgages and so on which would be dousing the lit powder keg in petrol from an economic point of view.

 

That said, I personally believe all companies should be given the same treatment by the FCA as Wonga, even if it leads to a brutal shock in the economy.

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Having just taken a look at the FOS site I think Wonga is going to have a lot of problems.

 

 

The fact that they have been found to have lent money to people that they shouldn't have is just the start of it.

 

 

I have asked for a statement showing my balance as it stood when I went into my dmp and also the balance at the point when they wiped the debt.

 

 

Time to start a fight

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Its been a little while but I got £1200 back from Wonga.

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It's taken almost a year (see my post from October on page 1) but the FOS have upheld my complaint against QuickQuid. They are to repay all interest for 76 out of 79 loans, plus simple interest at 8%, plus £350 compensation. It's a huge five figure sum. FOS agreed that QuickQuid's checks were inadequate and that the loans were unaffordable. I can't dance just yet because despite FOS making their final decision 29 days ago, QQ are yet to contact me and are back to ignoring all correspondence from me.

 

I will do the same with Wonga now I think!

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I think I will go after QQ now.

 

 

Having just spent the last 3 1/2 years clearing my debts I think I deserve a holiday :-)

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