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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • 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  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
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14 debts - mostly PDL's


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It was about the Peachy. I took out loan from them back in the 2011 £100 pound they added charges £250 for reminder 1.2.3.4.5.6.7.... letters which i dont received.I am trying to them remove these charges and would like to come to an amicable arrangement directly with them. I offered them £10 a month tatal £150 plus they already got from my dmp £40 and now am currently paying atm £2 pound via Payplan.

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Can you copy and paste your complaint (With personal details removed) so we ensure you have complained down the right path

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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The reason being is to go to the FOS you need to have complained about the problem specifically to the lender. If you complained along the wrong track you would need to complain again in the correct way in order for the fos to investigate.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Here is the email conversation between me and Peachy.

 

Your outstanding balance as of today, 21.11.2014, is £353.85. No

charges have been applied to the account since 11/01/2012 when we have

accepted payments from your Debt Management Agency. Towards the loan

we have received payments in the amount £39.99.

 

my reply

Hi there thank you for your reply. My current circumstances are that i am receiving £61.50 pw Carer Allowance as my husband has Multiple Sclerosis and i am her carer and she is unwilling to pay my debts for me which has put our marriage under tremendous stress and having MS this is not asllowed for her health. My marriage is really on the rocks at the moment also my wifes health is suffering because of this so i want to get this finalised one way or the other.

 

I can see below your email for 1st 2nd 3rd 4th 5th 6th.. letter charges i have checked my records and i cannot see anything regarding these letters, I would like to come to an amicable arrangement directly with yourselves and again due to my financial hardship my latest offer is £150 payable on a monthly basis £10. Can you please review and get back to me.

 

Their reply

Thank you for the e-mail.

 

Our Credit Committee has reviewed your case and unfortunately we are

not able to accept your offer.

 

Please be advised that you took out the loan in 2011 and so far have

paid a total of £39.99.

 

However our Credit Committee is willing to reduce the balance to £200

in case you wish to make payments directly to us and arrange a

repayment plan for 12 months.

 

That would mean that the payments must be at least £17.00 every month.

 

My reply

As i said previosly my only income is £61.50 per week. I am not goin that far but first in the point you should not let me taken that loan, i really dont know did you done to proper affordibility check as well. My latest offer is the same £10 pound a monthly basis total £150 pound plus you already got via payplan £39.99 so total for £189.99 for £100 poun loan that is the my final offer. If you agree can you please get back to me and i can setup standing order.

 

and #22 their final response.

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OK you have not complained in the manner go get anywhere in reference to getting the charges refunded.

 

No more email (and no phonecall either)

 

You want to do a letter to their registered address, get proof of postage.

 

Check the templates on this forum. Now you know what charges were levelle don that account you want to claim them back. ( I would laos charge them interest in restitution as well but that would require a small claims case)

 

Once they refute your letter, you repeat with the title LETTER BEFORE ACTION. Once that expires you then go FOS or Small Claims.

 

Also you TELL them what you can afford. If its £1 a month after completing an I+E then thats all you give them!

 

Others should be around ot help you in more detail.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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You also recieved their standard fob off letter. They do not get to decide what repayments you make. YOUR financial circumstances dictate what you repay.

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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Hi Again

I woud like complaint about aka textloan now is myjar.The problem is nearly 14 months i got them loan rolledd over and paid it last one is outstanding. My question is how can get the information of the total number of loans during the 14 months period? (I contacted with myjar they only sent to me my last outstanding CCA)

Thanks in advance.

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You need to request/demand a full and complete itemised breakdown of the alleged amount that is owed. If they refuse, then youll have to SAR them, which costs £10.

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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Ask them for the breakdown first. Never, know, they might comply and it will save you a tenner.

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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as long as they don't change the defaulted date in the original creditors listing.

 

 

dx

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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  • 11 months later...

Hi

Firstly I would like to say special thanks to this forum and the users. Finally I have finished my reclaim from 14 debtor mostly PDL. Please if anyone find themselves in the past payday loans debt circle read this forum and claim it back. Its maybe taking a long time but its really worth in the end.Below is my story.

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1- 24/7 Moneybox original loan was £ 180, outstanding balance £212 according to PP I sent them email requesting breakdown of debt still waiting for a reply. Nothing about this debt in my credit file. (Payment up to date £79) While i owe them they lent me 2 times money i know it was my fault but

 

I followed their complaint procedure they did not uphold my complaint so I went to FOS and they upheld my complaint and the Ombudsman decision was refund after third loan. As well as removing the credit file entry

 

2-Cabot Financial(was Provident) original loan 3 different aggrement total £4000, outstanding balance £3560 i belive there is no unlawful charges added as they sent to me statement. (Payment up to date £402).

 

I followed their complaint procedure (Provident) they didnt reply even so went to FOS and they upheld my complaint and and the Ombudsman decision was purchase back third loan make reasonable arrangement to repay and remove charge and remove the entry on my credit file.

 

3-Peachy original loan was £ 100 outstanding balance according to them £ 355 but the thing is tho my credit file shows default £115 pound but its not showing monthly payments made like Quid24 or others. (Payment up to date £41)

 

Same is above number 1.

 

4-Textloan now with (Fredrickson International Ltd) original loan was £200, outstanding balance according to PP £385 nothing about this debt in my credit file. (Payment up to date £46)

 

I followed their complaint procedure(My Jar) and they upheld my complaint almost refunded all charges (nearly 20 seperate loan) and removed the entry from my credit file.

 

5-Balanceloan,Helploan now with (Intrum Justitia Ltd.) original loan was £100, outstanding balance according to PP £316 nothing about this debt in my credit file. (Payment up to date £112)

 

I sent them email about statement since January 2015 no reply. Idont think they around any more.

 

6-Quickquid now with (MMF Finance limited) original loan was £500, outstanding balance according to PP £460 default on my credit file. (Payment up to date £188)

 

Same is above number 1.

 

7-PaydayUK original loan was £270, outstanding balance according to PP £360 on my credit file £339. (Payment up to date £127)

 

I followed their complaint procedure they offered to write off the balance then I stupidly accept it. Because I could have refund from third loan as well as remove the entry from my credit file. So if anyone complaint about Payday UK do not accept their offer as you can take it to the FOS.

 

8-Lloyds overdraft now with (Moorcroft Group Plc) original overdraft was £400, outstanding balance according to PP £900 on credit file £905. (Payment up to date £100)

 

I followed their complaint procedure and i sent them a letter asking them to remove the unautorized overdraft charges etc. They upheld my complain and remove that amount from my outstanding balance.

 

9-Halifax overdraft now with (Aktiv Capital) original overdraft cant remember, outstanding balance according to PP £550 on creit file £550. (Payment up to date £120)

 

Same is above number 8.

 

10-Pounds Till Payday original loan was £240 i received statement of account from them Loan Amount £240.00,Broker Fee £66.43,Interest Fee £ 5.52,Late Payment Fee £ 59.00 and Payment amount to date: £109.28 nothing in credit file.

 

I sent them a email about my statement in January 2015 still no reply and no contact with myself.

 

11-321cash.co.uk now with (SLL Capital) original loan was £200, debt sold months ago so they claim £880 and my credit file shows £1300. (Payment up to date £96)

 

I wrote a letter Sll capital they removed the charges and I am paying only the capital sum.

 

12-Santander overdraft now with (Wescot Credit Services) original overdraft i cant remember, outstanding balance according to PP £610. (Payment up to date £65)

 

Same is above number 8.

 

13-primepayday.co.uk now with Tower Credit original loan was £150, outstanding balance according to PP £270 nothing on my creit file. (Payment up to date £34)

 

Same is above number 10.

 

14-quid24.com original loan was £100 pound, outstanding balance according to PP £335. (Payment up to date £40)

 

I paid them only capital sum they dont trade anymore and no info on my credit file.

 

And lastly Paydayexpress I used 2010 and 2013 paid in full. I followed their complaint procedure they didnt upheld my complaint but offered only last loan interest obviously I refused so went to FOS. They did uphold my complaint in final decision they have to refund all charges all loans plus 8% interest as well as removing all data from my credit file.

 

Thanks again CAG.

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1- 24/7 Moneybox original loan was £ 180, outstanding balance £212 according to PP I sent them email requesting breakdown of debt still waiting for a reply. Nothing about this debt in my credit file. (Payment up to date £79) While i owe them they lent me 2 times money i know it was my fault but

 

I followed their complaint procedure they did not uphold my complaint so I went to FOS and they upheld my complaint and the Ombudsman decision was refund after third loan. As well as removing the credit file entry

 

2-Cabot Financial(was Provident) original loan 3 different aggrement total £4000, outstanding balance £3560 i belive there is no unlawful charges added as they sent to me statement. (Payment up to date £402).

 

I followed their complaint procedure (Provident) they didnt reply even so went to FOS and they upheld my complaint and and the Ombudsman decision was purchase back third loan make reasonable arrangement to repay and remove charge and remove the entry on my credit file.

 

3-Peachy original loan was £ 100 outstanding balance according to them £ 355 but the thing is tho my credit file shows default £115 pound but its not showing monthly payments made like Quid24 or others. (Payment up to date £41)

 

Same is above number 1.

 

4-Textloan now with (Fredrickson International Ltd) original loan was £200, outstanding balance according to PP £385 nothing about this debt in my credit file. (Payment up to date £46)

 

I followed their complaint procedure(My Jar) and they upheld my complaint almost refunded all charges (nearly 20 seperate loan) and removed the entry from my credit file.

 

5-Balanceloan,Helploan now with (Intrum Justitia Ltd.) original loan was £100, outstanding balance according to PP £316 nothing about this debt in my credit file. (Payment up to date £112)

 

I sent them email about statement since January 2015 no reply. Idont think they around any more.

 

6-Quickquid now with (MMF Finance limited) original loan was £500, outstanding balance according to PP £460 default on my credit file. (Payment up to date £188)

 

Same is above number 1.

 

7-PaydayUK original loan was £270, outstanding balance according to PP £360 on my credit file £339. (Payment up to date £127)

 

I followed their complaint procedure they offered to write off the balance then I stupidly accept it. Because I could have refund from third loan as well as remove the entry from my credit file. So if anyone complaint about Payday UK do not accept their offer as you can take it to the FOS.

 

8-Lloyds overdraft now with (Moorcroft Group Plc) original overdraft was £400, outstanding balance according to PP £900 on credit file £905. (Payment up to date £100)

 

I followed their complaint procedure and i sent them a letter asking them to remove the unautorized overdraft charges etc. They upheld my complain and remove that amount from my outstanding balance.

 

9-Halifax overdraft now with (Aktiv Capital) original overdraft cant remember, outstanding balance according to PP £550 on creit file £550. (Payment up to date £120)

 

Same is above number 8.

 

10-Pounds Till Payday original loan was £240 i received statement of account from them Loan Amount £240.00,Broker Fee £66.43,Interest Fee £ 5.52,Late Payment Fee £ 59.00 and Payment amount to date: £109.28 nothing in credit file.

 

I sent them a email about my statement in January 2015 still no reply and no contact with myself.

 

11-321cash.co.uk now with (SLL Capital) original loan was £200, debt sold months ago so they claim £880 and my credit file shows £1300. (Payment up to date £96)

 

I wrote a letter Sll capital they removed the charges and I am paying only the capital sum.

 

12-Santander overdraft now with (Wescot Credit Services) original overdraft i cant remember, outstanding balance according to PP £610. (Payment up to date £65)

 

Same is above number 8.

 

13-primepayday.co.uk now with Tower Credit original loan was £150, outstanding balance according to PP £270 nothing on my creit file. (Payment up to date £34)

 

Same is above number 10.

 

14-quid24.com original loan was £100 pound, outstanding balance according to PP £335. (Payment up to date £40)

 

I paid them only capital sum they dont trade anymore and no info on my credit file.

 

And lastly Paydayexpress I used 2010 and 2013 paid in full. I followed their complaint procedure they didnt upheld my complaint but offered only last loan interest obviously I refused so went to FOS. They did uphold my complaint in final decision they have to refund all charges all loans plus 8% interest as well as removing all data from my credit file.

 

Thanks again CAG.

 

Wow! You have been busy. Thanks for coming back and letting us know. :)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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