Jump to content


  • Tweets

  • Posts

    • Thanks for letting us know about this. I'm afraid that this website is mainly bad news about companies so it's very refreshing and very decent for someone to come along and to give praise where praise is due. How about a link to their website?
    • Having a little additional think about this, I think that your interests are best protected in the following way: You inform the seller that you are obtaining the quotes which I have referred to above. Having received the quotes, you then inform them that you are proposing to have the work carried out at XXX garage and that you will expect that the seller will reimburse you for the costs and associated expenses. You can tell them though that you understand that they may want to control the work being done to the car and so you are willing to allow them to do it but as the fault has manifested itself at this point and that it is clear that the problem is their responsibility, if they wish to carry the work out themselves then they will have to organise the collection vehicle and the delivery of it to you once the work is completed. Of course this will be very expensive for them and they will either fail to respond or they will refuse. Whatever their reaction, you would then go on to say that as they have failed to respond/declined the invitation to carry out the repairs themselves, that you are now going to your preferred garage – one of the two quotations which you have supplied – and you will have the vehicle repaired there. You are giving them an opportunity to comment. I think that if you use this approach, then you will be able to demonstrate very clearly that they had a choice and therefore they will be unable to disassociate themselves from the repairs which are eventually carried out at your chosen repairer. Even though this exchange of correspondence may mean that it will take a week or so longer to have your repairs carried out, I think you should do this in order to protect yourself in the best way possible
    • Please name the dealer   I would start off by sending them a letter of rejection seeing as you are within the 30 days. This doesn't mean that you have to reject it but it reserves your position. Secondly, on the basis of what you say, I don't think that you need necessary to find the cheapest place. You should be looking at the best quality that you can find. I think the best thing to do would be to get to competing quotations for the work you propose to have carried out – and not necessarily at the cheapest place, but a couple of proper reputable garages – authorised for that kind of vehicle. Inform the dealer as to what you are doing and providing with copies of the estimates for the work before you put it in hand. Give them five days to object or to make other comments. Make it clear to them that once the work is carried out that you will be looking to them to reimburse you. Of course you are opening a can of worms here because if you get some further problems – more serious – you may find that the dealer is starting to say that because you have carried out your own work so your own repairer on the car, they cannot now say that any defects were inherent in the purchase – and that they may have been introduced by 1/3 party repairer. I'm afraid that you have certainly fallen into a trap of buying a car a long distance away from where you live. We find that people often tend to do that because they think the car they have found is the only one in the world for them. They forget to factor in the difficulties that they will be if there are defects – particularly if the car stopped altogether – the cost of transportation to the dealer, the cost of having to travel up and down the country to collect the car – and of course these difficulties could emerge several times through the initial years of your ownership of the vehicle if you are relying on your statutory rights and expect the dealer to meet those obligations. Furthermore, if you have to bring a court action against them you are now dealing with multijurisdictional claims – suing out of Scotland against the defendant in England and that adds to the complications. It's too late for you to do anything about this – unless you actually decide to reject the vehicle – but at the very least, other people who come across this thread may get some benefit from these comments. I think it's important for you to get the best quality repair you can and to make sure that the dealer is aware of what you are doing so that if later on they try to deny responsibility for further defects, that you will be able to show that they were fully appraised of what you are doing and they will have less room to manoeuvre themselves out of their statutory obligations. I'm afraid that purchasing a car from one dealer and then having it repaired by another service provider, brings into the same kinds of difficulties that somebody who purchases a central heating boiler from one supplier and then has it installed by a different supplier find themselves in. When things go wrong, the seller blames the installer. The installer blames the seller – and you, the customer, are piggy in the middle. Not a good place to be. I notice that you are doing things on the telephone. Big Fail! Read our customer services guide. In your situation you should be extremely careful to make sure that you have got a record of everything and a full paper trail
    • What information do DVLA need for a provisional licence ?   Think the ID issue needs to be looked at a bit more. Surely you have birth certificate, school information, Doctors records. School and Doctors should provide a letter to help with ID.                
    • Amex as with any creditor must help you the FOS should go with you and make them remove all interest charged from the very 1st time of asking for help. the FCA regulations actually almost dictate it, they most certainly clearly state that if the are FCA registered they must help.   it's very telling they have no marked your credit file....almost as if they know they are wrong. it's also telling that an irresponsible lending complaint might well be in order hear too, they can just keep upping the credit limit without checking you can pay. and ofcourse covid plays its part here and they've already admitted as they allowed payments holidays until october in line with the rest of the industry and they should be continuing that. you problem is you keep using the phone, no paperwork no record of things discussed. i'd get an SAR off to them. and get the comms/account log and all the statements from day one and go nail them.
  • Recommended Topics

  • Our picks

    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 32 replies
    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
  • Recommended Topics

  • Recommended Topics

PAYDAYUK & THE MONEY SHOP Identity Theft


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1174 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

Good Morning Caggers

 

I got 2 letters through my door today stipulating that I have 2 outstanding debts (I DON'T) to PAYDAYUK and THE MONEY SHOP. :-x

 

These have been sold on to BW Legal, and (obviously) I can't get through to them on the phone to tell then that my identity has been stolen. :x

 

What is the correct process with this. I have not had any letter from PAYDAYUK and THE MONEY SHOP, demanding monies. I only have 2 letters delivered on the same day which state they have sold the debt to PRAC/BW Legal.

 

How do I defend my credit report and my identity? :mad2:

 

It is worth adding.....that I have never ever taken out a loan with either of these jokers.

 

I have just spoken to BW Legal and they said that I would have to go through security to check who I was. I told them;

 

My name; It Matched

My address; It Matched

My dOB: IT DOES NOT MATCH.

 

So clearly somebody has stolen my identity without putting in the correct DOB.

 

What do I do from this point,

as I can't speak to the original Loanee,

as they have sold the debt to the DCA ((BW Legal (used to be Lowell)).....

...and I can't speak to the DCA as I don't pass security as my DOB is different to the original person who fraudulently took these out in the first place......

 

Many Thanks for your help in advance.

Link to post
Share on other sites

Hi

I suggest contacting ActionFraud just to get a reference number to pass on to BWL

 

WRITE a letter to them and state that this is ID fraud, give them the reference number and suggest they return it to their client as you will not be held responsible for another persons fraudulent action.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

Do everything in writing and STAY OFF THE PHONE. Especially if you suspect fraud.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

Hi Worsteve

 

Im also in your position. I have been dealing with BW legal for a little while and PRAT Financial... (Yes i spelt it wrong for a reason)

Keep it for now. ITs time to send a SAR off to TMS / PDUK - I also have had fraud issues with them and they refuse to accept it.

 

You need to get as much info as possible. Once done, come back and let us know and we can advise next.

 

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

Good Morning all

I will do exactly that then. SAR will be sent off first thing tomorrow. Very much appreciated. The money shop e-mailed me and asked me what my D.O.B. was........I wasn't going to tell them that so they could change their details.

 

Should I do anything with my CRN number?

 

Brgds to one and all.

Link to post
Share on other sites

One thing I do know is that the Date of Birth they have on file both at the Loanee's and the DCA......do not match my actual DOB.

 

SAR all done and will be sent off to PAYDAYUK and TMS. Should I send one off to PRAT as well?

Link to post
Share on other sites
Good Morning all

I will do exactly that then. SAR will be sent off first thing tomorrow. Very much appreciated. The money shop e-mailed me and asked me what my D.O.B. was........I wasn't going to tell them that so they could change their details.

 

Should I do anything with my CRN number?

 

Brgds to one and all.

 

If you have never had these type of loans with these companies, then if it were me, i would obtain the CRN and send it to BW Legal by recorded post in a letter explaining the situation in your letter.

 

I suspect that it is not identity fraud, but someone from a DCA or tracing company that has got the wrong person/address. Given that the DOB is wrong, then the original loans would have been given to someone who shares your name, but a different DOB. They would have done a credit check on this other person at the time of the loan. They have then defaulted and disappeared off radar. Fast forward months or years and some space cadet at a DCA or tracing company, has written down your address as a possible for this debtor. Which is why they have wriiten to your address.

 

I would suggest you check your credit record fully and report back here if you find anything.

 

I can't see it is worth wasting time/money on an SAR. Your DOB does not match, they have traced the wrong person and in theory you would fail a basic security check, so should not be sent the SAR data.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Morning Uncle Bulgaria

 

My credit record is clear of any misdemeanours no both Creditfile and Noddle. My score is high and that is good! Should I send a copy of my Passport to BW Legal then? Right now, they say I fail the security check so can't access their information.

 

I too feel like some jobsworth has just found someone with the same name and attached it to me and my address.

 

Many Thanks for your continued support ! :-)

Link to post
Share on other sites
Morning Uncle Bulgaria

 

My credit record is clear of any misdemeanours no both Creditfile and Noddle. My score is high and that is good! Should I send a copy of my Passport to BW Legal then? Right now, they say I fail the security check so can't access their information.

 

I too feel like some jobsworth has just found someone with the same name and attached it to me and my address.

 

Many Thanks for your continued support ! :-)

 

You could just send BW Legal a photocopy of your passport page, saying that someone has traced the wrong person and you insist on compensation for your expenses in resolving their error. Advise that unless they send a written apology with appropriate compensation, you will make a formal complaint to the Solicitors Regulatory Authority and the ICO relating to this misconduct.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Hi Uncle Bulgaria

 

I am happy to send the SAR to the Loanee's to ensure I get the correct information on DOB. I will also send a letter with a copy of my passport page to BW Legal, proving that I am not the owner of those loans as you state above. I am happy to insist on compensation to go with it as well!! :wink:

 

Thanks again as always

Link to post
Share on other sites
Hi Uncle Bulgaria

 

I am happy to send the SAR to the Loanee's to ensure I get the correct information on DOB. I will also send a letter with a copy of my passport page to BW Legal, proving that I am not the owner of those loans as you state above. I am happy to insist on compensation to go with it as well!! :wink:

 

Thanks again as always

 

The SAR should fail as you are not the person the data relates to. I doubt they will send you anything, but they might bank the £10.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites
The SAR should fail as you are not the person the data relates to. I doubt they will send you anything, but they might bank the £10.

 

Agreed however any refusal to supply can be used as evidence they have the wrong person. If they had the right person, they would no problem supplying the data.

 

I would suggest to BWL that they refer this back to their client as this is a clear case of fraud and should their client continue this fruitless case a claim for breaching the Data Protection Act may follow.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

Ammunition is great. I will draft said letter with accusations and post using recorded delivery with an amount of affirmation and glee.

 

Thanks everyone!

Link to post
Share on other sites
  • 10 months later...

Good Morning Caggers

 

So then, all was done bar the SAR to PAYDAYUK AND THE MONEY SHOP. A few letters had gone back and forth and forms stating that this was fraud and I filled them all in. Nothing on my credit report.....then I got 2 letters on Friday stating that they had sold this debt onto PRAT financial. They have clearly washed their hands off these 2 loans. Still nothing on my Credit report either, but they are accusing me of owing them monies.

 

So then what to do next? Since March there has been quite a bit of written dialogue, albeit without the SAR.

 

Just FYI, early last year I got a letter from each saying that I owed both monies....a pseudonym under the same name had taken these loans out.....and they immediately tacked this sh1t on to me......even though it wasn't me.

 

Your help as always would be greatly appreciated!

Link to post
Share on other sites

Get the SAR off so you can see their internal comms

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

Morning all

 

It is worth stating that I was working with BW Legal (DCA) all of last year and now they have moved this on to PRAT. It has gone from one to the other.....typically. So an SAR to PRAT for both is required I assume?

Cheers

Link to post
Share on other sites

Only SAR the OC. Never a dca.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

As I have mentioned before, a SAR would fail as you are not the debtor they are chasing. If you did SAR them and they supplied data then they have breached the Data Protection Act. It seems that the original CRN has bypassed their thought systems!!!

 

It seems that a threat of court action has now subsided but that does not negate the requirement of the creditor to make the right checks to ascertain whether the person they are chasing is the correct one and whether there is a case of fraud.

What to do?

 

I suggest a formal complaint (in writing) to PRAC and when they disagree with you, go to the Ombudsman. Long winded, yes but it puts the onus on PRAC to get their facts right. You have told them enough times that this is fraud, you have supplied the CRN so they should fully investigate this case.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

I've unapproved the attachments as they contain your personal details..

I wanted to see what Broken Whiney Legal have sent to you

 

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...