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    • Hello, welcome to CAG. I've moved your thread to our shoplifting forum for advice on this. I've also edited the title a bit, please let me know if I've misunderstood what you meant. Best, HB
    • I received a letter this morning from advantis acting on behalf of HMRC for a tax credit overpayment.. I am going to call them on Monday to set up a payment plan but am worried sick it’s going to show up on my credit file.. does anyone know if it will show now that hmrc are using them? 
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    • Totally stupid mistake struggling with money with 2 young kids no excuses so I won't bother justifying  just feeling deep regret and absolute fear for what happens next. Sincere moments of madness opportunistic and absolutely stupid Caught shoplifting from sainburies by and shop lifting plain clothed detective (penut butter almond milk chia seeds and nuts ) I only took 3 to 4 items from sainbries listed above  First time I did it In saisburies i have never done it before   Was given a letter banning me took details but no photo taken  I also had on me food items from mns that the store detianed at the same time as they wouldn't let me leave without showing a receipt as they said I would have stole those too (they werent wrong) . I have been to mns a few times in the last month and done a similar thing always general food shop  So I left the sainbries store when he let me go and left all the goods there mns.and sainsburies and did not return.  M&s and sainsbries are on the same high street   Questions  Was not caught by m&s will sainsburies share my info and will m&s be in touch? Presume they can check cctv of the time sainsburies detained me and probably find it  No police called when at sainburies  Scared that mns will also ban me after the event  or worse check cctv and have my details and pass to police to investigate  I am mortified at what I've done the detective did not mention anything about further letters / police or anything more other than taking my details and giving me a banning letter  My fear is they have told MNS and now MNS will investigate aswell they may have their own footage etc...and go further than sainsburies did at that time  Mns goods was fruit veg chicken cheese basically all food items  Advise please what could I be facing 😭
    • I think it would be very sad if young people were denied the opportunity to do this. Little England strikes again.
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Money Shop to pay £15m in customer refunds


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Wow....One for the record books!

 

Dollar Financial UK has agreed with the regulator to refund £15.4m to 147,000 customers, who may have suffered detriment due to the lender’s debt collection practices, affordability checks and systems errors.
HERE

 

Source - Credit Today

 

I'm mightily surprised about this! Time to get claiming folks!

Edited by honeybee13
Removing unncessary comment.

 

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One of the UK's major payday lenders will refund £15.4m to 147,000 customers - many of whom were given loans they could not afford to repay.

 

Dollar Financial UK, which owns brands including The Money Shop, Payday UK, Payday Express and Ladder Loans, agreed the compensation after a review by the Financial Conduct Authority (FCA).

 

The company apologised to those who "suffered difficulties".

 

It is the third-biggest repayment by a payday lender in recent years.

 

 

http://www.bbc.co.uk/news/business-34639178

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Compensation relates to the affordability of loans taken out in the year to April 2015, as well as the collection of repayments on loans taken out between January 2013 and the end of April 2015.

During this time - in July 2014 - the company agreed to review its lending practices and refund customers a total of £700,000.

 

Well thats poor!

 

http://www.bbc.co.uk/news/business-34639178

 

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Surely they would look at claims going further back though. The further back, the less attention lenders seemed to pay to the rules.

 

That may be because the FCA only took over in April 2014 and the rules got tougher

 

I wonder if it also means they will recommence chasing people who have fallen off their radar?

Any opinion I give is from personal experience .

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Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

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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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Can anybody advise me please, I have obtained loans from the Moneyshop, Payday UK and Payday Express in the past. Should I contact the Moneyshop or wait on them to contact me regarding compensation due to due to the lender’s debt collection practices, affordability checks and systems errors.

 

email [email protected], sent mine off yesterday and already had reply

45k Debt - June 2016

35k Debt - May 2018

24k Debt - April 2020

 

The battle is slow but I will win the war

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I know 15 million pounds sounds a lot.

But not enough for me.

I will not forget how these predators targeted the people and communities of Great Britain the way they did.

 

To 147,000 customers.

A quick guess about 100-150 pounds each perhaps.2nd attempt at that,i admit to that.

So i suggest claiming back from them much further back than that.

I am nearly spitting feathers out reading this paltry amount.

How to reclaim as much as you can.

Their charges and rip off fees and the rest they put you through.

Maybe i am a bit green missing something here.If i am put me right.

 

Well how to claim back those charges and fees and a template letter to fill in at your leisure.

Go back,go for the jugular,not scratch them.As long back in history as you like.

If you have not got all the paperwork do not worry.There are ways to get that information.

Whoever the lender is go at them.Like a mosquito that is starving for food.

Get right in their faces.Get them wriggling round like ferrets in a sack.

I will calm down now,got rather roused for a moment.

I do apologise for those with a gentle nature.

But i have seen what those parasites have done over many years to the people of Great Britain.

 

A link for you.At least read it.Who knows.

http://www.consumeractiongroup.co.uk/forum/showthread.php?454437-Payday-Loan-Compensation-Can-you-claim-well-you-should-try.(8-Viewing)-nbsp

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Information for The Money Shop, Payday UK, Payday Express and Ladder Loans customers about its redress scheme

How The Money Shop, Payday UK, Payday Express and Ladder Loans customers will be informed whether they are due redress

Affected customers do not need to take any action. The Money Shop, Payday UK, Payday Express and Ladder Loans aim to start contacting all customers immediately to explain how the redress will be provided.

http://www.fca.org.uk/news/information-for-money-shop-payday-uk-payday-express-ladder-loans-customers-redress-scheme

 

A touch more info for you.

I am sure some stay awake at night worrying about Payday Loans.

Well see how the FOS can help you.

In ways i did not know myself.

 

Don’t suffer in silence if you’re losing sleep worrying about payday loans – we might be able to help

The ombudsman service was set up by law to sort out complaints. Our job is to sort out disputes between people and businesses – fairly, quickly and informally. We're completely independent and can help you deal with your payday loan worries.

http://www.financial-ombudsman.org.uk/keeps-you-awake/index.html

 

What's keeping you awake at night?

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