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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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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.

      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.

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      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
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Offer from Quickquid ** Accepted and Refund now in Bank ** :)


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Hi Everyone

 

 

Good news regarding my complaint against Quickquid. I referred it to the Ombudsman after receiving their standard response they did all the necessary checks etc, etc. I loaned from them constantly from Dec 2008 to Sept 2013 when I requested a repayment plan. Had a call from my adjudicator at the Ombudsman to say Quickquid are willing to refund all interest paid from October 2010. Just waiting for her to confirm the figure. My initial loans were fairly small so I can accept they were affordable but from 2010 onwards the amounts escalated each month. If their figure is anywhere near mine then I will probably accept it.

This is the last payday loan company I have a complaint against. Had a 100% record against the 10 claims I made and am happy to say have been debt free for 2 years.

 

 

Just want to give encouragement to others just starting their claims, its a long process but keep at it, it will be worth it in the end.

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Excellent news JEC1965, well done. Once you have accepted what they are offering the title can be changed to show your success.

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Had an e-mail from adjudicator confirming the figure Quickquid have offered which is roughly what I worked it out to be so I have accepted. Just waiting for Quickquid to confirm transfer, not sure how long they take. Ombudsman say they have 28 days.

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Payment received from Quickquid on Saturday. Sent it in 7 different payments. That's me finished with payday loan companies forever. Reclaimed a lot of the interest I paid over the 5 years I used them. Doesn't compensate for the 5 years of hell I suffered but my life is back on track. Good luck to everyone currently claiming, stick at it. Its a long process but worth it in the end.

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Excellent news, I will amend your thread title to reflect this.

 

Strange they should make it in 7 payments though, is this because it was 7 loans they were refunding on ?

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Excellent news, I will amend your thread title to reflect this.

 

Strange they should make it in 7 payments though, is this because it was 7 loans they were refunding on ?

 

Thanks Citizenb.

I had a lot more than 7 loans so don't know, they were random amounts. Just glad I got it and its all over.

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Hi JEC, well done!!

 

 

Could I ask how long it took and what info the Ombudsman asked from you? I just spoke to the adjudicator today so wondered roughly how long before you got an offer?

 

 

The amount I'm looking at is in the thousands and just wondered if that would drag things out.

 

 

Thanks in advance.

 

 

Mx

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

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Hi JEC, well done!!

 

 

Could I ask how long it took and what info the Ombudsman asked from you? I just spoke to the adjudicator today so wondered roughly how long before you got an offer?

 

 

The amount I'm looking at is in the thousands and just wondered if that would drag things out.

 

 

Thanks in advance.

 

 

Mx

 

Hi

 

I sent my complaint to the Ombudsnan in November. The adjudicator asked for a copy of my credit report. It was about a month after that she contacted me to say Quickquid had made an offer. Reading other threads Quickquid generally seem to make an offer once the adjudicator gets involved if you have a valid complaint. I received just over 4k so don't think the amount will delay things.

 

Good luck, shouldn't be too much longer now you have had contact from.the adjudicator.

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Hi

 

I sent my complaint to the Ombudsnan in November. The adjudicator asked for a copy of my credit report. It was about a month after that she contacted me to say Quickquid had made an offer. Reading other threads Quickquid generally seem to make an offer once the adjudicator gets involved if you have a valid complaint. I received just over 4k so don't think the amount will delay things.

 

Good luck, shouldn't be too much longer now you have had contact from.the adjudicator.

 

Thanks for the reply... If I get all mine back I've calculated 13k with interest!!!

I'll be surprised if I get that as an offer...

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

Missed Call Checker - http://whocallsme.com/Phone-Calls.aspx/077/m

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  • 3 months later...

Hi,

Unsure if this thread is still running or if anyone actually still posts on here? Do you mind me asking, did they email you prior to giving you your refund? Reason I ask is because….they offered to refund me ‘some’ of my charges, so I asked FOS to investigate, the adjudicator ruled that ‘all’ interest should be refunded, QQ were unwilling so it has gone to ombudsman. This process has already taken over 3 weeks (when I told it would take 2-3 weeks maximum), so I have asked my adjudicator to tell QQ I will now accept what they offered. This was on Tuesday, it is now Friday & QQ have not been in contact. Adjudicator isn’t being that helpful either L I look forward to any help. Thanks

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Why would you want to accept an offer that you had previously rejected just because the Ombudsman has taken over 3 weeks! Some cases can take up to 2 years?

 

 

If the Adjudicator has already ruled that ALL interest should be refunded then that is what the company should be doing. Hold out there, I doubt the Ombudsman will let the PDL get away with it.

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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The adjudicator said that she would do the same as me. I wasn't asking for any opinion on my decision, I was just asking how long it would normally take for me to receive my refund. Thanks

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The adjudicator said that she would do the same as me. I wasn't asking for any opinion on my decision, I was just asking how long it would normally take for me to receive my refund. Thanks

 

 

Oh right, well if you look at other threads, then as regards to the Pay Day Loan companies they are coughing up reasonably quickly.. some of them. I suspect you might just have to wait and see. Not make any plans for the money.

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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