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    • should have done that a month ago.   dx  
    • Thank you for your response BankFodder.   First of all her employer is a care home and she is a Part Time Carer.  I do not know what the company is called but would prefer not to publish it here even if I knew.   Having read through the link you provided I would tend to agree with your opinion regarding the Estoppel standard of proof especially as she is getting 50% more than she should of been expecting.  Having said that she has had this from the very start and knowing her as I do it is possible she thought this was her monthly wages!    In her everyday life she goes from hand to mouth so there is no improvement in lifestyle unless you consider her absence from Foodbanks an improvement!   I think the solution is for her to repay at the low figure that seems to be in place but to disregard the contract requiring her to pay it back before or on leaving.  Should she give notice and work four weeks how can we stop them from witholding her last months wages?    
    • Hey,   so just received an email from CRS. Saying I have to prove I cancelled...yawn. Bearing in mind this is way over a month ago I sent them a letter! shall I just block them now? Not even respond?   this is regarding gymetc and I joined their gym online...   thanks!
    • What does it actually mean when some  one says" for clarity" you mean in your opinion really dont you?   HB Thanks, girl done well.   Acres of text to get through, are you sure I have not come across you before. Your addiction to point scoring is V familiar.   Anyway lets see if there is anything I have not cleared up already.   You say  "'ll just answer this for clarity (not for an argument). This applies to SDs made in a Magistrates' Court in order to set aside aconviction where the defendant was not aware of the proceedings."   So much for clarity. Below is what the section says information; and (b)within 21 days of that date the declaration is served on the [F1designated officer for the court], without prejudice to the validity of the information, the summons and all subsequent proceedings shall be void.   Notice "Shall be void. not set asidIf I am going to just be correcting basic reading i am not goiong tp conti   "When a person comes before a court to make such a Statutory Declaration the court must hear it if it is made within 21 days of the defendant learning of the conviction."   Noope The regulation says the court cannot interfere with the making of a SD,again completely different   Yes if it is, but unless the SD was made within 21 days of the action they are entitled to question it. As they do in the form you reproduced by asking how the defendant knew about the case.                         Said this alreay.   To answer your next paragraph, the court will not accept a lie, if there is one, they will have the option to increase the time however I doubt they would, or do you think they would just extend it? This is the test, of course.   Again you say SET ASSIDE, it isn't, the new case cannot be started if the old one is still pending of course.   Now having demonstrated your lack of knowledge. I shall move on. Your abstinence from posting is appreciated, either way, I will have you on ignore. Nothing personal I just dont think there is anything you can tell me.   One more thing the result does not compete with anything I have actually said, and everything I have said is correct, in relation to the legislation.                
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Hello

 

I have been posting on the general debt forum, but have been asked to post details on here too - any help would be massively appreciated:

 

 

MyJar - £800

Satsuma - £1000

Wageday Advance - £150

QuickQuid - £400

SafetyNet Credit - £250

Drafty - £280

 

The above are all PDL companies who I have borrowed from recently. Drafty is a RCF with a credit limit of £300 of which I am paying approx £18 per month. Satsuma is a monthly payment of £160 for 12 months commencing at the end of May, My Jar is meant to be paid at the end of April (first payment) of £230 for six months. SafetyNet expects the full amount at the end of this month, WDA is due in three separate instalments, as is QuickQuid.

 

Thank you so much

 

x

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You have Vodafone listed twice - once as being collected by Lowell @ £920.47 and the other listed as Vodafone @ £128.48 ??

 

Hi yes that is correct - there are two separate accounts

 

Many thanks

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HI Abbieno - Ive separated the thread for now and lets get to work with your PDL issues.

Put dates etc here of all your PDLs and how many you have had and ill work through it either today or tomorrow.

 

Hey good evening

 

I am so grateful, thank you for taking the time to help me.

 

I will collate all of the into a spreadsheet tomorrow morning and upload as a PDF

 

Thanks again

 

X

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HI Abbieno - Ive separated the thread for now and lets get to work with your PDL issues.

Put dates etc here of all your PDLs and how many you have had and ill work through it either today or tomorrow.

 

Hi, I've just been having a nosey on Provident's site and didn't realise that they own Vanquis bank as well - could this be another reason we can use the argument of irresponsible lending given that I owe money to Vanquis, which is on a DMP, or could it be that Satsuma wouldn't necessarily realise this when doing their checks?

 

Will post the info u requested tomorrow

Thanks again

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HI Abbieno - Ive separated the thread for now and lets get to work with your PDL issues.

Put dates etc here of all your PDLs and how many you have had and ill work through it either today or tomorrow.

 

Hi there

 

Thanks as always for the help!

 

I have uploaded all of the PDL info onto a spreadsheet and have saved it as a PDF document. It has gone onto two pages, but sits side by side, if that makes sense?

 

Thanks again

 

x

PDL info.pdf

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Out of curiosity, why would you think you have a claim for irresponsible lending? From looking at the loans you've had, it seems like you've taken a lot of loans in a very short space of time. You borrowed £1000 from Satsuma just 12 days ago and now you want to claim irresponsible lending?

 

On the 5th April you borrowed £800 from MyJar, then on the 8th April you borrowed £1000 from Satsuma and then on the 9th April you borrowed £150 from Wageday Advance, that's £1950 in 4 days and then 5 days ago you had £250 from SafetyNet Credit - I'm sorry but this is irresponsible borrowing, what on Earth are you doing with all of this money?!

 

Perhaps the only thing that may go in your favour is if you declared all of the outstanding loans at the time you applied and they still lent to you - were you honest on your application forms about your earnings and current loans?

 

I'm sorry it's not what you would want to hear, but personally I don't think you would have a claim at all here - what this looks like is you borrowing a lot of money and trying to get out of paying it back as now you've realised just how much is owed. Just my opinion and of course nothing personal here.

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Out of curiosity, why would you think you have a claim for irresponsible lending? From looking at the loans you've had, it seems like you've taken a lot of loans in a very short space of time. You borrowed £1000 from Satsuma just 12 days ago and now you want to claim irresponsible lending?

 

On the 5th April you borrowed £800 from MyJar, then on the 8th April you borrowed £1000 from Satsuma and then on the 9th April you borrowed £150 from Wageday Advance, that's £1950 in 4 days and then 5 days ago you had £250 from SafetyNet Credit - I'm sorry but this is irresponsible borrowing, what on Earth are you doing with all of this money?!

 

Perhaps the only thing that may go in your favour is if you declared all of the outstanding loans at the time you applied and they still lent to you - were you honest on your application forms about your earnings and current loans?

 

I'm sorry it's not what you would want to hear, but personally I don't think you would have a claim at all here - what this looks like is you borrowing a lot of money and trying to get out of paying it back as now you've realised just how much is owed. Just my opinion and of course nothing personal here.

 

Hi

 

Thank you for your post. In response to your apparent 'enquiry', I didn't approach this site on the basis that I thought I may have a claim for irresponsible lending against these companies and had in fact not even heard of it until some of the kind people on this site mentioned it to me. I approached the site for support - the subject heading was altered by one of the earlier mentioned kind people on the site to signpost them to it when they had chance to look further into it.

 

I appreciate your opinion and agree what it may be viewed as being by an onlooker, but you really are wide of the mark and to be perfectly blunt, I have no desire to go into the whys and wherefores with people who clearly express their views in such a manner. I would never judge anyone on here in this way and really don't think I deserved it. I hope you sleep well knowing how upset you have made me

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Havent Forgotten - Will look at this tonight.

Robbinghood. - Can i ask you to please be a bit fairer on the OP? Ta

 

FKO

 

Hi there

 

Thank you for your ongoing support.

 

Have a good weekend

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Let's not be so dramatic, I don't think my post was harsh at all - you won't always hear what you want to, especially on a public forum - this isn't the Samaritans. That said, obviously, I didn't want to upset you and if I did in any way, I apologise.

 

I appreciate that you may not have come here looking at irresponsible lending and that's the site teams fault for changing the title and giving that impression

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Hi RH

 

We changed it as the OP had 2 separate issues with A DMP and some Payday Loans.

 

So we decided to separate them out. I appreciate that everyone that's comes here doesn't always realise and yes, it is their responsibility to make sure that they are sound and don't over do it when it comes to debt etc

 

But at the same time the mind is a strange thing and people do weird things when under a lot of pressure.

 

All I would ask in the future is be a little more considerate when writing these sorts of posts ☺️ They come to CAG for help.

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Let's not be so dramatic, I don't think my post was harsh at all - you won't always hear what you want to, especially on a public forum - this isn't the Samaritans. That said, obviously, I didn't want to upset you and if I did in any way, I apologise.

 

I appreciate that you may not have come here looking at irresponsible lending and that's the site teams fault for changing the title and giving that impression

 

Hi

 

Thank you for taking the time to reply, I appreciate the apology and maybe I responded from an emotional angle last night. You are also correct that this is a public forum, but I would just add that to judge and give opinions would be better recieved if all factors were firstly taken into consideration.

 

No hard feelings

 

Take care

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Hi RH

 

We changed it as the OP had 2 separate issues with A DMP and some Payday Loans.

 

So we decided to separate them out. I appreciate that everyone that's comes here doesn't always realise and yes, it is their responsibility to make sure that they are sound and don't over do it when it comes to debt etc

 

 

But at the same time the mind is a strange thing and people do weird things when under a lot of pressure.

 

All I would ask in the future is be a little more considerate when writing these sorts of posts ☺️ They come to CAG for help.

 

Thank you, as always

 

X

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Morning Abbieno

 

I cant make heads or tails of what youve sent me im afraid... Even when trying to line them up in Word - it becoms a pain.

Could you please put it on a spreadsheet and then send it to us?

 

Once i get it I can then start getting to work.

 

Although part of what im seeing suggests that there were a lot of loans in a short period.

Oncei can get the full picture of the PDL situation then I can work on this :)

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