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    • Don't think you have to inform Universal Credit of the Small Business Grant Scheme.  Reason is that it is supporting the business via local authorities, which is why it has been paid into a Business account.  It is not the same as the sell employment grant being paid out from June 2020, which is going to be treated as earnings for Universal Credit purposes.   DWP are updating the following linked page with any Coronavirus information related to Universal Credit.   As you will see the Small Business Grant Scheme is not noted.   https://www.understandinguniversalcredit.gov.uk/coronavirus/   You mention the Business is hers and why should you be affected.  Under Universal Credit, as a couple living together, your claims have been linked together as a benefit unit ( you don't have any choice, couples who live together have to have linked couple claims).  When UC issues the statement, it will be both of you as a benefit unit.  Therefore all of your joint information will affect how much UC you receive.  For example your state pension will appear as another benefit deduction, so will affect how much you receive as couple claimants.   Have a read of the Understanding Universal Credit website if you need more information on the benefit.
    • Hi  I do apologise as I don't know where to put this question.   My wife is self employed and her business is closed to to Covid 19. She has lost all future bookings  and has no earnings. I am retired with a State Pension. We have applied for Universal Credits which has been granted - payment middle of April , so that's great. We applied for the Small Business Rates Grant - £10,000 to help with business expenses - she intends to open trading again  ASAP, and there are obviously supplier contracts and services that need to be paid for, plus we modernised premises this year ( as we had lots of bookings) and our personal Credit Card debt is approx £9500.   To my surprise they have granted this and are paying money into her business account.   I know we would have to notify Universal Credit about the Grant, but would she still be entitled to U.C payments? The business is hers , so I presume I am still eligible for U.C   Many Thanks thedrunkenmonkey
    • Neighbour who has garden at end of mine (fence to right as they look down their garden but crosses various gardens as I look down from my house) is requesting that I repair a damaged fence as her dog keeps coming into my garden.   Am I responsible to repair it (my part of fence)?    I have looked at various websites but not very clear.   Neighbour said they erected and put up a fence to their left as they look down their garden but stressed that I was accountable for part of fence to the right.   Thank-you for looking at would appreciate any guidance for confirmation.    
    • Are you or do you wish to use the vehicle until we succeed with arguing and you succeed in VT?
    • Hi I hope all are ok in these trying times. I assume most of us will be in the same situation with employment etc.   I am obviously still intending to follow through my complaint against MB. However I do have to make decisions as I have found myself as will most people at this time left with a reduced minimal income, with all I can forsee is an impending up hill struggle for the forceable future.   So not sure what, if any options I still have, I am presuming VT was only an option earlier on and a court CO excludes that option,    I cant continue to honour the finance payments and cant even begin to estimate any timescales I would be again financially stable.   im trapped but want, no I need to get rid of MB all together, they can have the car and I learned the expensive way!   MB recently emailed a letter (which is copied below) in it they refer to a recent termination, this is the part that is very confusing as its my understanding they terminated the agreement in March 17.   They also inform they have placed the collections on hold, but then heres the cheeky bit, they do however want me to store the vehicle, tax and insure it, as per the agreement (the agreement that they already state was terminated) until they continue with their collection process;   Due to the Coronavirus (COVID-19) pandemic currently affecting the UK and wider world, we’re emailing to update you on what will now happen regarding the collection of your vehicle, following the termination of your Moneybarn vehicle finance agreement.   We won’t be collecting the vehicle at this time Normally, following termination of your agreement, we would arrange for an inspection and collection of the vehicle. However because of the current Government imposed lockdown, we are not currently able to collect vehicles until further notice.   What will happen next? Nothing for the moment. We’ll contact you as soon as there are any developments in the Government’s stance and we know that we’re able to resume our normal vehicle collection activity.   What do you need to do? We would appreciate if you can please keep the vehicle taxed and insured for the time being, as per the terms and conditions of your finance agreement. We hope this information is helpful and clear. Please stay safe and well, and if you need to contact us with any questions, please check out the latest information on the best way to reach us at   So they state termination, then expect to lay down instructions for me to comply with as per my finance agreement T&Cs. To look after the vehicle that they do intend to continue collection of.   If everythings terminated and in other words I have no right to the vehicle, Im not prepared to comply with instructions in line with a non existent agreement (I dont have to) and have a good mind to charge them storage.   However l would much rather just leave the car, send off V5 to change ownership and be done with it and concentrate on getting justice for their mistreatment.   
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Hi, not looking for advice as i'm following the same format as my QQ and P2P complaints. I just wanted to update the forum.

 

After WDA emailed me and said they noticed I'd borrowed a lot and they would freeze the interest on my current loan and arrange a repayment plan to help me, I thought it was great. After that the hassle started, constant phonecalls including to my work, even after I asked them to remove the number from their records. I put a complaint in about how poor their service was as they had offered something to me, yet started treating me as if I had defaulted. Letters with default charges 3 weeks before my DD was due etc. 8 weeks later I got an email saying they had been in the wrong and they would remove £25 off my loan, hardly the most generous offer, but an acknowledgement at least. The rest of the email ahd incorrect information on it in relation to my balance etc. I emailed back expressing my surprise at the information on outstanding amount etc. I also asked for all the information on my accounts and what I had borrowed / paid. I got a reply with the correct info on the account but no response on the additional info I asked for. Last week I emailed again to ask when i'd receive this info. As I still haven't received something today I decided to do my own digging

 

I have found all the emails for loans in my Hotmail and was able to piece together all the payments, loans, interest and rollovers. I have had 37 separate loans, and during that time I've rolled over 20 times. This included one loan that was rolled over 10 times, then a payment plan put in place for 6 months to pay it off, and a loan issued again the month after!! Loans started at £150 per month borrowed and up to £640 (repaid £800) between March 2009 and October 2015. Total interest paid seems to be around £7,300

 

I have put in my complaint for irresponsible lending (the 10 month roll over one that took my 16 months in total to pay back and then immediately be offered another should be enough to show that!) and i'll await their response. I'll update if and when I hear anything

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Looked online on my WDA login in, and under my payment plan it used to say: payment due date - 29th February, it now says payment due date 30th November. Seems a bit strange. I wonder if they will still try and take payment as agreed. This wasn't something I went to them with, they actually approached me to break my repayment down

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Seems that now I've raised a second complaint with WDA they have put the account on hold and will not be collecting while the complaint is under investigation. I'll just have to wait and see what they come back with

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Received a 4 week holding letter "despite our best efforts, we are not in a position to give a final response to your complaint"

 

I've already supplied them with a copy of my credit report showing loads of late payment markers in 2010 and 2011 and then again from 2014. It also shows the other payday loans on there. And although I've borrowed since 2008, I asked for a refund on all interest since June 2011 when I had 10 months of rollovers. June was when I ended up in a payment plan with them over 6 months, before they then continued to led the month after and increased my credit amount. Thought i'd give them a negotiation point rather than just say I want everything back, which is greedy. Regardless of what I think of PDL they offer a service that I've used, so asking for all interest back is a bit of a cheek.

 

See what comes in 4 weeks time

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Just wanted to say hello and welcome to cag as nobody has responded to any of your posts so far, we do have members with plenty of knowledge in dealing with these types of lenders so please dont feel that your on your own.

 

If you need any help simply ask on your thread here and a team member will be along to advise.


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

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A & L SETTLED IN FULL :lol:

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Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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Hi Martin, thanks for the message. Don't worry, I have another thread under the Quick Quid part of the PDL forum, and had some excellent advice off the team here. I have added this thread as its a different business and hopefully my experience will help someone else in the same boat

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Just as an update on my complaint with WDA. I have had loans with them since 2009 through till today. I had numerous roll overs and for one loan did this 10 times, followed by a 6 month payment plan and then reloaned a few days later. I complained to WDA and asked for interest back from loan 11 through to my last loan after my 10 months of roll oves, till end Dec 2015. The last few loans were instalments rather than an actual payday loans.

 

To help their investigation I sent them a copy of my Noddle credit report, some screen shots from my Experian report showing late payment markers and mentioned my loans with QQ and PTPD at the same time. Thought it would help

 

The 8 weeks were up yesterday but received an email this morning, upholding my complaint for the payday loans, but not the instalment loans, which to be honest I can see why. However they have refunded on the interest from loan 10 through to my last payday loan. I made it out to be around £4.k but with 8% added they offered just over £7k. I have an outstanding loan of £225 so they paid that off from the refund. I got my email this morning, replied straight away with my bank details that they asked for. The money was in my account today, although in a number of separate payments, most of which were £700. I guess this is the highest amount they lend for a loan so that the most they can pay in a transaction

 

This money has helped me pay off a loan that was in arrears and catch up with my mortgage which was 2 months behind. For the first time in 6 years I can breathe again. many thanks to all that offer their help and experience

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Wow what a fantastic result, well done jon, your success will be fantastic encouragement to others in a similar position

 

Maybe a small donation to keep us going 😀


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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Thanks Martin!

 

I've left a little donation for the site, but if my QQ loans come in, i'll leave a much better one. The advice on here has always been top notch and supportive. Plus honest!

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