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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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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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Wonga Complaint - Success


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Hi

 

I regularly took payday loans out from Wonga as well as many more companies over a period of 4 years. i continually rolled over or paid it off only to have to re-loan the same day. By the time I realised i could no longer continue with this cycle i had loans with 10 companies and owed nearly £5000. I had paid many thousands in interest over this time. All my loans are now paid off after requesting repayment plans. My last loan with wonga was paid in 12 installments the last one being may 2014.

 

When the announcement came at the beginning of october that they were writing off thousands of loans I was annoyed that it only applied to live loans.

 

I sent in a formal complaint and accused them of irresponsible lending. They could not possibly have done the relevant checks to see if the loans were affordable. I had been lending £1000 each time with £300 interest, at the time i was only bringing home £1300. They took so long looking into my complaint I eventually referred it to the Ombudsman.

 

I received and e-mail from Wonga on Monday saying they had upheld my complaint and agreed that a large majority of the loans were unaffordable given my income and other borrowings. I have received the money in my account today which is close to £5k.

 

I am so happy. I have never looked at another payday loan since I paid them all back and feel that this nightmare has finally come full circle.

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Oh wow, that is very good news indeed. So well worth making a complaint where a similar situation has occurred.

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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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Well done. It's sad though that they were blocking you at every turn until the FOS got involved.

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. Yes they had been stalling me and took 16 weeks. Within a week of the FOS writing to them I got an offer. Would definately encourage anyone in a similar position to put a compaint in, you've got nothing to lose. Finally got my life back on track after being stuck in a payday loan hell for 5 years. Just think if they had refused to lend me the money i would have woken up to the mess i was in much sooner.

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This is great news. Well done. I also submitted a formal complaint under the same circumstances.I'm now 7 weeks into their 8week timescale to reply and have heard nothing. I will give it till the end of the 8 weeks and the pass to the fos. Its encouraging that the fos seem to be supporting customers. Well done again and I hope you get the fresh start we are all after.

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This is great news. Well done. I also submitted a formal complaint under the same circumstances.I'm now 7 weeks into their 8week timescale to reply and have heard nothing. I will give it till the end of the 8 weeks and the pass to the fos. Its encouraging that the fos seem to be supporting customers. Well done again and I hope you get the fresh start we are all after.

 

 

 

 

Hi Kat2015.

 

Good luck with your claim. They sent an email after 8 weeks saying they needed more time and would respond within 6 weeks. The 6 weeks came and still no reply so I sent it to the FOS. I did get a call from Wonga saying they were snowed under with complaints. Best to send it straight to the Ombudsman after the 8 weeks is up. I think I only got my offer after they had communication from the FOS.

 

Good luck and keep us posted.

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Hi can you please advise on what type of letter you sent because I ended up in the same situation you did where I had so many payday loans I lost count trying to pay one off by getting another in the end I had to do a 12 month repayment plan with wonga. I got into such a mess I didn't know which way to turn it was awful.

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Hi can you please advise on what type of letter you sent because I ended up in the same situation you did where I had so many payday loans I lost count trying to pay one off by getting another in the end I had to do a 12 month repayment plan with wonga. I got into such a mess I didn't know which way to turn it was awful.

 

 

 

Hi

 

I know exactly how you feel. It was the worst time of my life.

I just sent them an e-mail to their complaints department that basically said I felt they were guilty of irresponsible lending given my income and other outgoings and that they were unaffordable. I told them how many different loans I had and how much I owed. I am sure someone on here can help you draft an e-mail.

 

Good luck

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I have just done a formal complaint via email basically saying that they loaned to me without completing the required checks which they admitted via email on 10th october, and accusing them of irrisponsible lending. Still no reply, so a few more days then i'm passing it to the FOS.I am interested to know JEC1965, if they are also removing these entries from your credit file as they have done with loans they have written off? I may be pushing my luck but I also asked for that in my complaint lol

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When did you do the formal complaint kat? because they have 8 weeks to sort it before the FOS will look at 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

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I got into a spiral of loaning and reloaning each month, as I couldnt afford to live after the payment went out. i borrowed over 3 years . I finally entered into a repayment plan with Wonga in May2014, and only had one installment left to repay in october, which was written off. I agree that it should apply to any loan they have granted which was not properly assessed to see if you could afford it, irrespective of whether it is live or not. Bex 19- the first thing i did after recieving the email on the 10th to say i was affected, was to request all account information held on me from Wonga, so i could work out what i had borrowed, and what i had paid in fees and interest etc. it took me 2 months to get this information. I was gutted to see how dependent I had become, borrowing thousands over the 3 years and paying £3543 in interest and charges which i have requested is refunded. I also noted I was paid a goodwill compensation amount of £120 in august, although had no idea this had been paid to me (or should i say deducted from the repayment plan) or what this was for as it predates the affordability issues. To date no one from Wonga will explain what it is for, although i assume its for another cock up on their part!

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Good news, well done on your success

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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Good news, well done on your success, just food for thought....2008/9... £41k within 7 months... if someone took a bank loan, then applied for another loan within months to pay the first off and repay maxed over draft on two accounts, then got over draft upped within days of paying off, maxed again within weeks, followed by another loan, as well as two more credit cards maxed within weeks, then managed to get another loan within months of all the above, ALL with the same bank, could/would this be seen as over lending since on a small income, and paperwork filled in by bank personnel showing more income than what was been earned at the time ( showed wage slips in bank but loan agreements show figure three times of what really earned )... repayments totalled £870 per month which resulted in defaulting within months of taking all the above out after missing payments and getting charged mega charges and interest, just thought I would ask after seeing threads regarding Irresponsible lending..... repaid £20k still £32k to go...... all with DCA and on self arranged DMP since 2009

 

shywaz, I would suggest you start your own thread with this question.. however IMHO, if you have showed the bank your income and it has been increased on the loan paperwork, then it does suggest that something is not quite right and should be brought to the attention of the regulator.

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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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Ok will try to move post

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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I will move it for you and pop a link back here. No I wont, you have done it :lol:

 

For those wishing to help shywazz, the link is..

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?441505-Irresponsible-Lending

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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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Well the 8 weeks have passed and not a jot from wonga so ive sent it to the fos toda. Will keep you updated

 

:thumb:

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Uploading documents to CAG ** Instructions **

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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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I'm going through a very similar process at the moment with Wonga - original email said I would receive a response within 8 weeks followed by another email saying a further 6 weeks and still nothing!

 

I have now passed my complaint to the Ombudsman but was interested to know did you have to provide a breakdown of each loan and the interest paid on each loan to the Ombudsman? Currently I don't have this information despite several requests to Wonga!

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I'm going through a very similar process at the moment with Wonga - original email said I would receive a response within 8 weeks followed by another email saying a further 6 weeks and still nothing!

 

I have now passed my complaint to the Ombudsman but was interested to know did you have to provide a breakdown of each loan and the interest paid on each loan to the Ombudsman? Currently I don't have this information despite several requests to Wonga!

 

I didnt provide this to the ombudsman just the original documentation I sent with my wonga complaint. However, I haven't had an acknowledgement yet from the ombudsman to say they have recieved my complaint. They may ask for this information i suppose. Its been a week. I havent heard anything from wonga at all after the 8weeks passed, and I tried chasing at 8weeks and just got an automated response.

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Good luck Kat2015 I referred mine to FOS and within a week of them writing to Wonga I had an offer from them.

 

Hi, I wondered how long it took the ombudsman to get in touch with you, after receiving your complaint? Its been a week since I sent it to the fos, and I sent it tracked so definitely got there a week ago.

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I didnt provide this to the ombudsman just the original documentation I sent with my wonga complaint. However, I haven't had an acknowledgement yet from the ombudsman to say they have recieved my complaint. They may ask for this information i suppose. Its been a week. I havent heard anything from wonga at all after the 8weeks passed, and I tried chasing at 8weeks and just got an automated response.

 

How did you send your complaint ? Email or post ? If by post, did you send by a tracked mail ?

 

I would telephone their help line and ask them to confirm that the complaint has been received. You don't want to be just hanging around if it was lost in the mail !

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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Hi

 

I sent my complaint to FOS on 10th Jan and received a standard reply dated 14th Jan saying they had received it and they aimed to respond within 6 weeks. I received another letter dated 11th Feb saying they had contacted Wonga to ask for the information they had about my complaint and then it would be passed to an adjudicator to investigate. I received a letter from the adjudicator assigned to my case also dated 11th Feb. Before I received these letters I received an e-mail from Wonga on 9th Feb with an offer. Don't know if this was coincidence or not.

 

I didn't send details of the loans I had to the Ombudsman. I had gone through my bank statements at totted up the amount I borrowed against the amount paid back and just worked out a rough figure of what I expected back. When I received the e-mail from Wonga they listed all the loans I had and the amount of interest paid which was spot on.

 

Hope this helps.

 

Kat - if you haven't heard by then end of the week its worth giving them a call to make sure they received it.

 

I have now started the process with the other pay day loans I had. I sent e-mails a week ago. Mr Lender already come back with an offer even though they said they didn't agree they were irresponsible.

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