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    • Found a BMA article related to this subject which I think the OP will find helpful. Patients recording consultations WWW.BMA.ORG.UK Our guidance answers if patients can record doctors without permission or covertly, how to respond when a patient asks to record their appointment and what to do if a covert recording is posted online.  
    • Ah - that was another thread that got merged back in 2018   That 'split' doesnt refer to this legal matter  
    • Thanks dx for your kind words. I plan to renew my season ticket and write a new begging letter as following, can I ask for any suggestion about it?   Dear Investigator/Prosecutor,   Thank you for your reply. I deeply regret my actions and the inconvenience they have caused.   I’m extremely remorseful for my crime. and regret it everyday. I often ask myself ‘’how can I do that thing just because I felt it is interesting. There are a lot of crimes in the world, but feeling it’s interesting is certainly not a reason to crime. I should not crime with any reason.’’ I think about these things every day, and I understand that I can’t blame anyone but myself.   I thanks to the staff who stopped me, as this is a valuable lesson in my life. I told myself that I should never ever repeat such a thing again, and never ever do anything which is possible to be in breach of any law. As a result, I carefully tap my oyster card every time before I enter the station now. I remind myself that I did a wrong thing before, and I should never let it happen again.   Although my monthly travel expenses do not warrant a season ticket, but I just renew my season ticket (please see the attachment). I understand that a crime cannot be truly compensated for, but purchasing a season ticket offers me a small measure of comfort, knowing that my actions caused a loss to the public interest.   I received an email which ask me to negotiate being class teacher in this summer (please see the attachment). I hope that I could teach the lovely students again, which may not be allowed with a criminal record. I would please ask that you would please provide me a single opportunity to settle all outstanding sums owed outside of court without the need for legal proceedings which would have a determinantal impact on my teaching career.   I sincerely apologise again for my crime. If you need anything further from me to help you please let me know.    Yours sincerely,
    • You did what??? You asked them to send you the documents that without them you had  a 100% ironclad win in Court. Why on earth would you do that? As it happens in this case, there is still enough mistakes in their PCNs and the NTH to have your case cancelled. Amd it may be that not sending those documents in the first place along with the ICO complaint and the letters from Alliance themselves which would confirm by the dates on the letters may be enough to cancel it anyway. I hope you have kept their letters as evidence? The chances are that Alliance will not actually take you to Court because of their errors but you never know.  You have made so much extra work for yourself in your WS if they decide to push their luck.though. Can you please post up their letter where they give the reason why I wasn't sent with the NTH.
    • I'm not sure that I fully agree with my site team colleague above.  My understanding is that there is nothing to stop you recording but it is strictly for your own personal use.   
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Payday Loan Nightmare


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Haven't been on this forum for ages (years) but so helpful.

 

For the last 14 months I have been living in a vicious cycle of pay day loans. Not just pay day loans but unsecured high interest loan from 118 money. I am trying desperately to sort my credit rating out and not fall behind with things.

 

I have sent emails to all my pay day lenders asking for a breakdown of my accounts as they can see from Noddle, Experian etc. that they lent me money whilst I still had numerous pay day loans outstanding.

 

I believe having read through endless posts this may well be a case for irresponsible lending? My loan with 118 money is still outstanding but is absolutely astronomical in terms of interest. I borrowed £3000 over 2 years and the interest is front loaded. I asked for a settlement figure and now 10 months after taking it out is still £4000.

 

Could this be a claim for misselling too as they were also more than aware of my outstanding debts.

Halifax - SUCCESS August 2006

Woolwich - SUCCESS January 2007

 

 

Nationwide... you're next...

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Rascal ... Sorry you were missed.

 

 

Do me a favour.. List all your loans, amounts currently at and check all 3 of your CRAs - See what is where. We could help...

 

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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  • 2 weeks later...

Thank you very much am trying (inbetween working) to log on to Experian, noddle and another and am compiling a table. The data does seem to differ from one CRA to the next. In the meanwhile I have contacted all the payday loan lenders and asked for a break down of my accounts. I will try and finish the table today. Thank you again!

Halifax - SUCCESS August 2006

Woolwich - SUCCESS January 2007

 

 

Nationwide... you're next...

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This is from my CRAs although I do not think they are necessarily conclusive. The information recorded is obviously proof that I had the loans but it would take a collaboration with my bank accounts to see how they caused me financial hardship.

 

I recently fell into rent arrears due to being completely overstretched, a relative lent me this money and I have paid it back. I fell behind with council tax for which I had bailiffs attend my property.

 

I fell into arrears with my car which I have only just cleared. All the while these people just kept lending and lending me money. The dates may look sporadic but I was literally robbing from Peter to pay Paul and still am although its getting a lot better.

 

I cant believe I was ever stupid enough to fall into the pay day loan trap. I now have them emailing and calling my work regularly if I don't give a minimum payment. The larger ones such as Wonga have been quite good in starting to look at my complaint etc. but the others just appear to be so unscrupulous.

 

 

28/12/2016 Western Circle Limited 200

05/12/2016 Provident Financial 758

04/11/2016 Lending Stream 800

18/10/2016 Uncle Buck 250

20/09/2016 Western Circle Limited 283

02/09/2016 Wonga 620

13/08/2016 Lending Stream 500

28/05/2016 Payday UK 1025

10/05/2016 118 Money 5000

09/04/2016 Payday UK

12/11/2015 Wonga 900

09/10/2015 Wonga

20/09/2015 Wonga 400

28/04/2015 UK Credit Limted 7000

Halifax - SUCCESS August 2006

Woolwich - SUCCESS January 2007

 

 

Nationwide... you're next...

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Quite a lot of those loans were taken within a short space of time, it is probably not reasonable to expect each lender would have known you had existing loans with other lenders as the CRA's are not always updated that quickly and it depends if you were honest about your outgoings on your affordability forms - did you put into your outgoings the existing loan repayments and lenders? If so, then I would say you MAY have a case for irresponsible lending, if not and you have lied on your application, that's a different matter.

 

Are all of these loans still outstanding?

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No these loans are no longer outstanding. I read somewhere that one of the CRAs works on a real time basis so other lenders can invariably see information from one to another is this not the case?

Halifax - SUCCESS August 2006

Woolwich - SUCCESS January 2007

 

 

Nationwide... you're next...

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Hi Rascal..

 

Ibe added spacing to your post.

 

Its tough to say if you may get anywhere with this, however ill help how I can.

 

You are correct. Callcredit do have a real time lenders update for HCSTC. It is used by all the major Lenders.

Have you read the CAG PDL guide?

 

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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Yes thanks I have read the guide.

 

 

There are a couple of things that stood out with me

- for Payday UK and Wonga from what I can ascertain from my records

- no score was given for subsequent loans to the 1st. i.e. just because I had successfully repaid one they did not rescore me on any of the CRAs to ascertain my credit history,

they lent according to their own sense of affordability.

 

 

Im genuinely not expecting a miracle from this.

If anything it has been an extremely tough lesson for me and one that I most definitely will not repeat.

 

 

In an absolute ideal situation for me it would be to have the information removed from my CRA files rather than any refunds or compensation (which to me are just a bonus).

 

 

My main loans which is outstanding is the 118 money one for which the interest is astronomical.

 

 

Whilst I am managing to meet the monthly repayments it has been at the cost of almost robbing Peter to pay Paul.

 

 

My loan with UK Credit was paid in full after my sister offered to transfer the balance to a 16 month 0% interest free credit card for me on the proviso that when I am in better standing with my own credit

 

 

I will be able to refinance and invariably pay her back but this is on an as and when basis its not urgent.

Halifax - SUCCESS August 2006

Woolwich - SUCCESS January 2007

 

 

Nationwide... you're next...

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