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    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
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    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
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PDLs- Complaints with 9 Lenders, 60 loans, +£3000 written off


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Hi all,

 

Having read through many threads on this excellent site, I decided to raise formal complaints with a number of payday loan lenders.

 

Between around 2012 and 2014 I took out around 60 payday loans. After the first few loans, I quickly found myself short of money after paying off the loans, and having to take out new ones again. Eventually I threw the towel in and started a DMP around the start of this year.

 

My complaints were based on the loans being un-affordable, and that they should have been for short-term lending only. Complaints were raised in early October to the lenders.

 

Here are the results so far:

 

Pounds to Pocket - did not agree that the loans were unaffordable. However, they have cleared my outstanding loan in full. £996 written off as a goodwill gesture! : )

 

Lending Stream - didnt agree loan was unaffordable, but they reduced £105 from outstanding balance - refund of interest charged after i informed them of DMP - which i accepted.

 

QuickQuid - did not agree that the loans were unaffordable. They offered me a £150 goodwill payment which I did not accept. Complaint with FOS. I am aware of recent redress ruling, but no contact from that.

 

Peachy - This lender did not agree that the loans were unaffordable. Complaint with FOS

 

4Finance / Vivus.co.uk - This lender has not responded to my complaint. I dont think they operate in UK any more but they do have brands all over Europe. Does anybody know how I can contact them as they are ignoring my emails? Complaint also with FOS

 

DifferentMoney (My Mate) - did not agree that the loans were unaffordable - with FOS

 

Wonga - acknowledged my complaint, but not provided a response yet (still within 8 week window)

 

Mr Lender - did not agree that the loan was unaffordable - with FOS

 

Ladder Loans - acknowledged my complaint, but has not provided a response yet (still within 8 week window). I am aware of Dollar Financial redress scheme, no contact from that either.

 

So... not a bad result on my complaints so far with around £1150 written off.

 

I'll keep you all posted as the other complaints develop.

 

My advice to anybody in similar situation to me, get those complaints in!

 

pjb

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Very pleased for you

And a big thank you

As it will inspire others

 

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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thanks DX.

 

I see that my thread title has been pimped up too!

 

Part of the reason for posting is to help others. So much good info on here if people take the time to learn!

 

cheers

pjb

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Yes I thought it worthy to highlight your great work

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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ok... quick update

 

Lending Stream - despite offering to reduce my outstanding balance a few weeks ago - have not responded to my acceptance email, nor reduced the balance.

 

I have now withdrawn my acceptance, and so this complaint is also with the FOS.

 

I went over the final response email again and the £105 offer was actually a write-off of interest they had charged after I had started the DMP plan. It will be interesting to see how the FOS views their offer now I have shared it with them...

 

pjb

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  • 2 weeks later...

Hi all,

 

Not too much action since my last post, things are slowly moving along...

 

Complaint forms were posted off to FOS a couple of weeks back against those firms who had already provided Final Responses. I am now waiting to hear next steps from FOS (how long should I expect to wait after posting?)

 

Wonga - They have replied to say they disagree that the 20 loans they lent to me over the 24 month period were unaffordable. Complaint has gone in to FOS.

 

Vivus / 4Finance - Turns out they were bought by a company called V7 so is not owned by 4Finance any more. Since finding the right place to complain to, I have to say that they handled the complaint very professionally and quickly. However, they disagree that the loans were unaffordable, but have offered a £50 goodwill payment. I paid just over £300 interest over 6 loans (first loan was 0%) so considering next steps on this one...

 

cheers

pjb

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Sadly the FOS do tend to drag their feet a bit. They will need to make contact with the Lenders, and almost certainly will face the same brick walls you have. Some complaints have taken up to 2 years + to resolve. If you are not satisfied with responses from the first tier adjudicators who are dealing with your claims, you must insist they are escalated to Ombudsman proper for review.

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3: Feel Bullied by Creditors or Debt Collectors? Read Here

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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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thanks citizenB

 

That wasn't quite the reply I was hoping for, but at least I know where I am at now!

 

PS - contact details for Vivus / V7 are:

 

V7 Limited

City Tower

40 Basinghall Street

London

EC2V 5DE

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  • 2 weeks later...

Hey, I have a around £1,500 in outstanding payday loan debts which at least £1,300 were taken out when I didn't have a job ( im a student but worked in the summer).

 

I was thinking of doing the same because clearly these were unethical lending on the company's behalf, how did you go about making the complaints?

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irresponsible lending

 

 

best start a new thread

of your own

 

 

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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Share on other sites

  • 1 month later...

ok.. quick update on progress....

 

The FOS complaints are not going as well as I hoped so far... The main push back points seem to be that i didnt have any adverse data on CRAs at the time when I was taking out loans (i.e. no late payments etc), I wasnt re-loaning on same day but later in the same month, and bizarrely the adjudicators do not believe that the payday lenders would have been aware of the other PDL's lending to me due to how short-term loans info is shared with the CRAs (I didnt get that one tbh).

Current Status...

 

Pounds to Pocket - cleared my outstanding loan in full. £996 written off.

 

Lending Stream - didn't action my acceptance email, so I kicked off a FOS complaint. Lending Stream then re-negotiated with me. £150 written off (all interest), a £5 per month payment plan set up on outstanding balance and adverse info removed from CRAs (loan itself is still on there though).

 

QuickQuid - did not agree that the loans were unaffordable (15 loans / top ups in a year!). FOS adjudicator agreed with them (!!). I have asked for referral to Ombudsman.

 

Peachy - did not agree that the loans were unaffordable. FOS adjudicator agreed with them. Referred to Ombudsman,

 

4Finance / Vivus.co.uk - This lender has offered £50 goodwill payment. I am sitting on this at the moment to see how the other cases go with FOS.

 

DifferentMoney (My Mate) - did not agree that the loans were unaffordable. FOS adjudicator agreed with them. Referred to Ombudsman.

 

Wonga - did not agree that the loans were unaffordable (23 loans in 24 months). FOS adjudicator still investigating.

 

Mr Lender - did not agree that the loan was unaffordable. FOS adjudicator agreed with them. Referred to Ombudsman.

Ladder Loans - acknowledged my complaint, has responded twice to say need more time. Well outside 8 week window now, but I'll give them a little longer to reply.

 

Any advice welcome.

 

cheers

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ok.. quick update on progress....

 

The FOS complaints are not going as well as I hoped so far... The main push back points seem to be that i didnt have any adverse data on CRAs at the time when I was taking out loans (i.e. no late payments etc), I wasnt re-loaning on same day but later in the same month, and bizarrely the adjudicators do not believe that the payday lenders would have been aware of the other PDL's lending to me due to how short-term loans info is shared with the CRAs (I didnt get that one tbh).

Current Status...

 

Pounds to Pocket - cleared my outstanding loan in full. £996 written off.

 

Lending Stream - didn't action my acceptance email, so I kicked off a FOS complaint. Lending Stream then re-negotiated with me. £150 written off (all interest), a £5 per month payment plan set up on outstanding balance and adverse info removed from CRAs (loan itself is still on there though).

 

QuickQuid - did not agree that the loans were unaffordable (15 loans / top ups in a year!). FOS adjudicator agreed with them (!!). I have asked for referral to Ombudsman.

 

Peachy - did not agree that the loans were unaffordable. FOS adjudicator agreed with them. Referred to Ombudsman,

 

4Finance / Vivus.co.uk - This lender has offered £50 goodwill payment. I am sitting on this at the moment to see how the other cases go with FOS.

 

DifferentMoney (My Mate) - did not agree that the loans were unaffordable. FOS adjudicator agreed with them. Referred to Ombudsman.

 

Wonga - did not agree that the loans were unaffordable (23 loans in 24 months). FOS adjudicator still investigating.

 

Mr Lender - did not agree that the loan was unaffordable. FOS adjudicator agreed with them. Referred to Ombudsman.

Ladder Loans - acknowledged my complaint, has responded twice to say need more time. Well outside 8 week window now, but I'll give them a little longer to reply.

 

Any advice welcome.

 

cheers

 

WIth LAdder Loans, go to the FOS...

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Wonga - did not agree that the loans were unaffordable (23 loans in 24 months). FOS adjudicator still investigating.

 

 

How ridiculous - even if your credit file wasn't showing the other loans at this point - taking a loan out each month, presumably required to repay the previous one must have been pretty obvious to even the most stupid of people ?

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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would be intersting to know why the adjudicator agreed with MR L - as I had a case with FOS against them and my complaint was upheld

 

Mr Lender was one of the last lenders to loan to me before I went into a DMP.

 

The reasons in the adjudictor's email were:

 

They evidenced a credit search. The adjudicator thinks that the other PDL's I also had open with Wonga were not visible on my CRAs at time of the credit check.

All previous PDLs had been paid off, and the earlier ones from 2 years before were considered to be irrelevant due to length of time that had passed.

No defaults at time of Mr Lender lending the money (the defaults came later)

Mr Lender froze interest and charges when I informed them of the DMP

They later agreed a repayment plan with me

 

(i also paid off the repayment plan early with a discount offered by Mr Lender - but that wasnt mentioned by the adjudicator)

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WIth LAdder Loans, go to the FOS...

 

Yep - they've used up their grace period now. FOS forms being sent off.

 

How ridiculous - even if your credit file wasn't showing the other loans at this point - taking a loan out each month, presumably required to repay the previous one must have been pretty obvious to even the most stupid of people ?

 

I agree - and that is exactly the point I made about QuickQuid (15 loans in 12 months), and will be making about Wonga if adjudicator decides to side with them too...

 

:???:

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  • 1 year later...

Blimey! Time flies.... heres an update to what happened... best wishes to anybody else currently challenging their PDLs!

 

Pounds to Pocket - loan cleared in full £996 written off

 

Lending Stream - reduced £150 and removed default

 

QuickQuid - £150 refund

 

Peachy -FOS did not uphold. Agreed repayment plan with Peachy with a £6 discount (yes - £6!)

 

4Finance / Vivus.co.uk - £50 refund. Given they are not even a UK company any more I was happy with that

 

DifferentMoney (My Mate) - FOS did not uphold.

 

Wonga - loan cleared in full £880 written off

 

Mr Lender - FOS did not uphold. This had been paid off with a discount previously.

 

Ladder Loans - FOS did not uphold. They later settled at 25% of outstanding balance. £956 written off

 

So... grand total reclaimed £3,188

 

pjb

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title updated.

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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