Jump to content


  • Tweets

  • Posts

    • Shein has been linked to unethical business practices, including forced labour allegations.View the full article
    • Hi I have to agree with @unclebulgaria67 post#3 For the funding side of moving to a new area and it being private supported accommodation I would also suggest speaking to private supported accommodation provider about funding but also contact the Local Council for that area and have a chat with them about funding because if you are in receipt of Housing Benefit certain Supported Accommodation that meets a certain criteria is treated as ‘exempt accommodation’ for Housing Benefit purposes but you need to confirm this with that relevant Council in your new area especially since it is Private Supported Accommodation as each Council can have slightly different rules on this. If you have a certain medical condition look up the charities and also have a wee chat with them as they may be able to point you to different Grants to assist with moving costs and your question about funding for private supported accommodation as well.
    • Hi Just to be clear a Notice to Quit is only the very start of the Housing Association going down the Eviction route there is a long process to go. Also to be clear if you leave at the Notice to Quit date only and go to the Council claiming you are Homeless they will more than likely class you as Intentionally Homeless therefore you have no right to be given temporary housing by the Council. The only way that works is when the Court has Granted a Possession Order then you can approach the Council as Homeless with the Court Order. As for the Housing Association issuing the Notice to Quit because there investigation has proved it's not your main residence but you have witness statement to prove otherwise. From now on with the Housing Association you need to keep a very good paper trail and ensure to get free proof of posting from the post office with anything you send to them. You now need to make a Formal Complaint to the Housing Association and please amend the following to suit your needs:   Dear Sir/Madam FORMAL COMPLAINT Reference: Notice to Quit Letter Dated XX/XX/2024, Hand Delivered on XX/XX/2024 I note in your letter that you stated that the Housing Association has carried out an investigation into myself and came to the conclusion that I am not using this property as my main residence and have evidence of this and have therefore issued a 'Notice to Quit' by XX/XX/2024. I find the above actions absolutely disgraceful action by the Housing Association. 1. Why have I never been informed nor asked about this matter by my Housing Officer. 2. Why have I never been given the opportunity to defend myself before the Housing Association out of the blue Hand Delivered a Notice to Quit Letter. 3. I have evidence and witnesses/statements that prove this is my Main Residence and more than willing provide this to both the Housing Association and the Court. I now require the following: 1. Copy of your Complaints Policy (not the leaflet) 2. Copy of your Customer Care Charter (not the leaflet) 3. Copies of your Investigation into this not being my main residence.    As well as the above you need to send the Housing Association urgently a Subject Access Request (SAR) requesting 'ALL DATA' that simple phrase covers whatever format they hold that in whether it be letters, email, recorded calls etc. The Housing Association then has 30 calendar days to respond but that time limit only starts once they acknowledge your SAR Request. If they fail to respond within that time limit its then off with a complaint to the Information Commissioners Office (ICO).     
    • Hi Sorry for the delay in getting back to you The email excuse and I do say excuse to add to your account and if court decide LL can't recoup costs will be removed is a joke. So I would Ask them: Ask them to provide you with the exact terms within your Tenancy Agreement that allows them to add these Court Fees to your Account before it has been decided in Court by a Judge. Until the above is answered you require these Court Fees to be removed from your Account (Note: I will all be down to your Tenancy Agreement so have a good look through it to see what if any fees they can add to your account in these circumstances)
    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Payday loans...getting out of this mess


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2771 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Try;

 

[email protected] - CEO Wonga

[email protected] - Customer Complaints

[email protected] - Legal Council

[email protected] - Not 100% Sure

[email protected] - CR Team Manager

 

It will get heard.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

  • Replies 167
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

Ok spoke to lending stream.

They agree the balance wiill be waived away. But they refused to give the statutory interest and to remove the data from my credit file.

 

I accepted the offer on the basis of written confirmation that once they write the balance off no default will be recorded on my credit file.

 

She checked and agreed that no default will appear and that the loan will appear as settled.

 

I haven't technically accepted their offer. She said she will email me this tomorrow in writing.

 

I think I should formally accept this tomorrow because...

1) That's £496 written off that I can't afford to pay

2) If I escalate it to FOS it will take quite a while to get a resolution plus ill still have to make the payments

3) No default will be recorded on my credit report. The loan will appear as settled.

 

Im playing this a tactically with them. Thoughts?

Link to post
Share on other sites

FP, you are the final one who can make this decision... However, As long as it settled and not Satisfied / PS, then you are all good.

if you are happy , do it. But its your decision at the end of the day.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

FP, you are the final one who can make this decision... However, As long as it settled and not Satisfied / PS, then you are all good.

if you are happy , do it. But its your decision at the end of the day.

 

Yes mate. She told me on phone it will appear as settle. She will confit that in email tomorrow. If everythings ok in her email i think I'll accept this and get lending stream off my back. This is all down to you with the help you provided.

 

Can't thank enough....

Link to post
Share on other sites

SAFETYNET CREDIT Response

Thank you for your recent contact.

 

We have taken some time to address the concerns raised in your email in order to provide an adequate response.

 

SafetyNet Credit prides itself in having best in class affordability assessments. Our technology, specifically the access to a read-only format of an applicant’s previous 90 days’ worth of current account bank transactions, means we are able to verify an applicant’s salary, as well as having sight of income and expenditure for the period, and any outstanding credit. Combined with the data we receive from the credit reference agencies, we are confident we are undertaking market leading affordability assessments.

 

However, we do of course understand that a persons’ financial situation can change, which is why we cap interest at 40 days and charge no late or default fees. This way, should your financial situation change after taking credit with us, there are necessary precautions in place to stop the debt escalating.

 

We have looked again at the decision we made when you first applied as well as your circumstances on an ongoing basis as a SafetyNet Credit customer, and we can see that, at the point of acquisition there was no evidence of defaults on your credit file and, at the point of acquisition we verified you, through our read-only access, to have stable earnings of circa £1700.00, as well as having an acceptable level of expenditure against income amongst our other checks.

 

Having reviewed your complaint and understanding the situation that you now find yourself in, as gesture of goodwill, we are willing to write off the remaining balance owed of £636.72 in its entirety. This means that repaying the outstanding balance will be waived and the account closed, drawing a conclusion to the matter.

 

We hope that you will find this response satisfactory, rest assured we will implement it immediately following your response. If you have any further questions or queries regarding this then please do not hesitate to get in touch with us.

If you are unhappy with this proposal, you have the option to escalate the matter to a formal complaint.

 

When a formal complaint is made you can expect a response within 4 weeks of the date it is raised. In some cases this period can be extended to 8 weeks, for example if it takes a little longer than anticipated to gather all the required information. In such circumstances where an extension is necessary, you will be informed via e-mail.

 

If you remain unhappy with our final response, you have the option to refer the matter to the Financial Ombudsman Service, so long as you do this within six months of the date of our final response. Within the final response we will enclose a leaflet providing contact details and information about their service as well as how you can complain.

 

Kind regards,

 

SafetyNet Credit Complaints Department

Link to post
Share on other sites

Peachy, wonga and payday uk to go now

 

you're on a roll :)

 

Do you feel much better now? :)

 

Take it if you want it. Thats £642 extra now.

 

Its your decision. But Id take it. You will no longer be liable for that too.

 

:sigh: Wonga have been difficult with a lot of people, so if they reject, dont take it to heart, if you hadnt of come to CAG you would have had an extra £1000 of debt to deal with.

Im surprised that the companies have taken the decision to do what they have but its a good thing.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

Mate this is all down the forums help as i said can't thank enough.

 

Should I tell them i will accept their offer as long as they remove all the data they recorded on my credit file etc?

Or should i tell them that as long as the account is not stated as a default and appears as settle, I'll accept the offer?

 

Many many thanks i feel so relieved in like 8-9 months. Feels like im getting my life back

Link to post
Share on other sites

One more thing,

This is quite strange. I launched a complaint against payday uk yesterday night and got this letter from them dated 26 January 2016.

 

I find this strange as previously I didn't launch any complaint against them. I once sent them an email stating why they locked my account etc. Then they sent me a letter after 2-3 weeks stating "they will resolve the complaint" in 4 weeks. So i think this letter has something to do with that? Pretty confused

image.jpg

Link to post
Share on other sites

Thats speedy... Honestly wouldnt be able to tell you.

Might be worth getting in contact with them, they've given you a reference and number to contact right? Go find out :)

 

But record your call....

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

Thanks mate. Will do, I think they were referring that to my email when i queried why they locked my online account.

 

Also one last thing. as far as SNC is concerned...

 

Should I tell them i will accept their offer as long as they remove all the data they recorded on my credit file etc?

Or should i tell them that as long as the account is not stated as a default and appears as settle, I'll accept the offer?

Link to post
Share on other sites

Its up to you, But a settled account without default is a good thing! But...

You play this how you want to, I would take offer as is.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

What should I reply

 

"Thank you very much for your decision which is accepted. I would be grateful if you could please send me a final statement showing £0 balance for my records. "

 

Nice one FP :)

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

Link to post
Share on other sites

"Thank you very much for your decision which is accepted. I would be grateful if you could please send me a final statement showing £0 balance for my records. "

 

Nice one FP :)

 

 

Ah just a little bit late. I already sent them the following response:

 

Hi

Thank you for the swift response

 

I will accept your offer of waiving the balance away as long as you can confirm to me the following point:

 

1) My SNC account on my credit reports will appear as 'Settled' and that no default will be stated.

 

As long as the above point is adhered I will accept your offer. Please can you get back to me with the confirmation as soon as possible.

 

Thank you again.

Regards

Link to post
Share on other sites

Ah just a little bit late. I already sent them the following response:

 

Hi

Thank you for the swift response

 

I will accept your offer of waiving the balance away as long as you can confirm to me the following point:

 

1) My SNC account on my credit reports will appear as 'Settled' and that no default will be stated.

 

As long as the above point is adhered I will accept your offer. Please can you get back to me with the confirmation as soon as possible.

 

Thank you again.

Regards

 

Perfect IMHO.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

Fair enough :) Fingers crossed they will go along with that for you.

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

Link to post
Share on other sites

Imo they should really accept this. Because so far I have no defaults recorded on my credit report. For example SNC appears as UC atm that probably means Unclassified with Green colour showing up on all the months I made my payment plan payment. So once they waive the balance away themselves as they said the account should appear as Settled. Let's see what their response is.

Link to post
Share on other sites

Thank you and definitely.

 

I had one quick question.

I am going to launch a complaint against mr lender for Irresponsible lending. I fully cleared off the £290 loan with alot of difficulties. The loan appears as settled on my account.

 

So if i raise this issue and ask for refund etc can they afterwards ammend the status that they recorded on my credit report?

Such as, change the status from 'Settled' to 'default' etc?

 

Thank you

Link to post
Share on other sites

Thank you and definitely.

 

I had one quick question.

I am going to launch a complaint against mr lender for Irresponsible lending. I fully cleared off the £290 loan with alot of difficulties. The loan appears as settled on my account.

 

So if i raise this issue and ask for refund etc can they afterwards ammend the status that they recorded on my credit report?

Such as, change the status from 'Settled' to 'default' etc?

 

Thank you

 

Btw I will be sticking up a donation pretty soon. Once all the bills etc have been paid from my wage. Definitely

 

Donations always appreciated. Well if its settled for now, I am unsure if its worth stirring the Hornets nest. If its already settled, why not leave it?

But you can still go for it if you like. As the loan is settled, they cant change it, It would be classed as a Goodwill Gesture if they were to offer anything.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...