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    • Hi, Thanks for replying!  It was a paper ticket, I was asked to sign it before they let me go.  Is the interview compulsory, I am worried I would slip up during it and leave myself in more trouble then I already am. Thanks, S
    • Hi Surfwalkersteve,   It's likely they will invite you in for a further interview to establish any other facts about your journey history. As it stands you just need to await their correspondence as has been advised already. I assume they have the ticket in their procession as evidence? I've skimmed through this thread but get the impression its a paper ticket rather than an oyster/smart card type? They will be able to find out which barriers the ticket has been through, as any ticket office can perform this check.   Regarding the fine; If it goes to court, the maximum fine is £1,000 (plus costs etc.), however, this is unlikely as all fines are means tested and unless you're either very wealthy and/or very persistent, you'll usually be fined a lot less.
    • and it costs them nothing as well. If there is a hearing they have to spend another £50-100 on a local solicitor to attend so when they lose that bumps up the bill their client gets for their incompetent handling of the case and thus puts the client off from trying their luck again.   You need to look up the term "you've been Gladstoned"
    • notices not POFA compliant, they havent even bothered to try and get it right. note that they say that CEL is the creditor but Star parking are the company thta offers the contract. There is no third party liability and I bet the landowner doesnt know that Star have shunted the liability to CEL. If Star have obtained your keeper details they cnat pass them on to CEL and  if CEL have obtained the details then as they dont have a contract they have obtained them without reasonable cause so in breach of the GDPR. You need to write to the DVLA and ask who obtained your keeper details, when and what was the reason stated. There is a particular office this enquiry should be addressed to and if you send the request elsewhre they will try and avoid giving you a straight answer.   DO NOT APPEAL, not now or ever with this company, let them spend their money on chasing you, they are dishonest so will ultimately get thrashed by you later but for the moment you keep quiet and get all of your info collected. So we need to see the signage in close up. As there is at least 3 differetn signhs you will need to loo for all different versions and make a note of how big the signs are and where they are located. We also need picture4s of the ticket machine and associated blurb
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    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
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    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
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    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
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Hi There

 

Just a quick query.

Back in 2011 after a couple of years in the payday loan cycle I just couldn't keep up all of the interest payments to the large number of payday loan companies I was with.

 

 

I was in a DMP at the time for a number of credit cards and stupidly got stuck in the payday loan cycle.

I tried to add the PDLs to my DMP but Payday Express refused to agree to this because I shouldn't have taken on any further credit while in the DMP. I wasn't aware of this and my financial situation had become dire so I resorted to the PDLs.

 

I was thinking of going down the irresponsible lending route with PDE

but I am put off because I don't want to stir up any issues as I have been PDL free for a couple of years now.

 

 

I had a number of loans with PDE and rolled them over regularly.

They emailed me regularly saying that I wasn't using all of the credit available to me.

I always paid on time up until mid 2011 when I had to admit defeat.

They never registered a default and as I said I finally paid them in full.

 

Does anyone think it's worth pursuing or should I just let sleeping dogs lie?

 

Thanks in advance for any views.

 

C

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What do you want to achieve?

 

You say they didn't put a default on your files, have you checked?

 

Did you have any PPI or did they add any fees/charges?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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if you had lots of other debts and defaults then they should not have lent or rolled over the loan

 

 

dx


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Thanks for replying dx. There's definitely no default on my cra just loads of closed loan accounts. There were 5 defaults on cra and 1 payment arrangement at the time of all loans with PDE. And as I said in my post I was in a DMP when I took the loans out. They definitely shouldn't have loaned to me so irresponsible lending is a potential route. But as they said it was my fault for taking out the loans while in a DMP when I tried to add them to it I am thinking I will probably get the same response now.

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Hi, does anyone have any advice about taking on debt while in a DMP please as per my initial post? Thanks

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Were they aware that you were in a DMP? Or did you keep that quiet?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi there. Thanks for your reply. I didn't tell them but they didn't ask.

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Hi there. Thanks for your reply. I didn't tell them but they didn't ask.

 

OK, I'm not clued up on PDL's and the procedure they use to lend money, but surely they would have asked about your I&E?

 

And on your expenditure it would have flagged up these other PDL companies, and they would have seen you were already robbing peter to pay Paul and in a cycle of debt?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Sorry for not replying sooner I have been working away. They asked for income but never expenditure. The loans were all in 2010/2011. However if they had done proper checks such as looking at my credit file surely they would have seen that was the case? My biggest concern is the issue about being in a DMP at the time of each loan and their response when I wanted to add the outstanding debt to my DMP. There is definitely no default on my credit report. As I have been payday loan free for a number of years now I don't know whether to pursue the irresponsible lending route or whether to just let it go.

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