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    • as i said unsure of what this 15% is about.   the FOS/FCA clearly describe how refund calcs show have been made the their relevant sites.   p'haps at this juncture it might be better to scan up to ONE multipage PDF their refund letters  another set of eyes is always belter.   please read our upload guide carefully      
    • I wouldn't bother with emailing Virgin's CEO.   In April I started a complaint about my BB connection which they repaired quickly but charged me to repair.   I was mostly ignored or promised resolution that never happened. So I complained by email to the CEO, twice, demanding written responses. On each occasion, a lowly call centre worker called and it was obvious they knew or cared little about my actual case.   Finally I got a written reply confirming the charge was dropped but not a penny offered in compo despite the issue taking months to resolve.   Virgin don't take CEO complaints seriously.
    • Dear All,   BN, BF, HB, - Thank you for your comments.    Yes sorry, i wanted to save some time by doing that as I wanted to carry out the posting ASAP OK, I have redacted the statement and it is attached here in the PDF doc.   Its our 2nd draft and I will fine tune it tonight / tomorow.   Thank you for putting me right.    Warm regards BF   Counterclaim-1.pdf
    • So according to this calculator my refund should be £4562.96 at the 8%.   This is in line with some of the management firms calculator on-line.   I have checked their letter again and they have paid from 1 Jan 1989 - 1 Jan 1994 only. They have refunded all the insurance premiums totalling £469.50 and the interest paid on the premiums to date of £257.90.  Additional interest of £1,436.36 after tax on top of refund as compensation.  Statutory rate of 8% from 1 Apr 1993 and at 15% before that.  They have not provided a breakdown of payments from 15% - 8%.  Only below:   £  469.50 - Refund of PPI premiums paid £  257.90 - Refund of interest charge on the premiums paid £1,795.44 - Statutory compensation -£      0.00 - Less any previous successful claim -£      0.00 - Less any previous refunds made directly as result of this policy -£       0.00 - Less any statutory compensation already paid -£   359.08 - Deduction from any statutory compensation interest for income tax at 20% _________ £2,163.76 - Total refund due   This will be the second time I am returning their calculations.  They made a decision last year and used a wrong date as they could not read the date and made up a date then it went to the back of the queue to be recalculated.  I had already queried the refund amount with them and they have moved the date again from the 22 Jan to 1 Jan!   Are they using a different calculator/principal why the figures are so far apart?  How am I going to show them this calculation without it going to FOS and sitting there for years to be assessed?   Can I also ask how to do the 15% calculation?  Thanks so much.  
    • Hi Burma.   You've been here for a while and I have to say I'm a bit disappointed that you're PMing this to various people off the main thread.   Advice by PM isn't what we advise here and I hope that you can post up your anonymised documents very soon.   HB
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1st stop recoveries claimform - old PDL now TM Legal services


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Hi

 

Today I have received court papers from Northampton regarding a loan I had with 1st stop.

 

The loan started off as a payday loan for 300 pounds which I had to keep rolling over as my circumstances changed

and I rolled over to the max times where

 

they then offered me a 500 pound installment loan to pay off the payday loan

and give me some money which didn't help at all as the interest was higher so

 

I defaulted on that too and

 

sent many a letter to them with no response also

 

I spoke to them on the phone and was virtually bullied and called a liar so I hung up and left it there.

 

The pocs are as follows

 

- agreed to the lend the defendant 300.00 on the 15th October 2013.

The defendant agreed to repay the instalment loan over a 6 month period,

the defendant has failed to meet the repayment of the loan despite many attempts to resolves this.

 

Now I have written to them though they deny ever receiving anything and also the pocs are wrong

 

as the loan amount in the end was 500 not 300 as the original payday loan was.

 

Also I fail to see how they have come up with the amount owed which is showing as over 1300 now

 

please can someone advise me what to do with this so I can reply to the court please

 

Thanks in advance

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please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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1ST Stop Payday Loans

 

Date of issue – 14th July 2014

 

What is the claim for – 1st stop payday loans ltd - agreed to lend the defendant #300.00 on 15th october 2013. The defendant agreed to repay the instalment loan over a 6 month period. The defendant has failed to meet the repayment of the loan despite many attempts to resolve this.

 

What is the value of the claim? £1400 inc court costs of £70 (amount has been rounded)

 

Is the claim for a current or credit/loan account or mobile phone account? Instalment loan

 

When did you enter into the original agreement before or after 2007? After 2007

 

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Original Creditor

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? N/A

 

Did you receive a Default Notice from the original creditor? Yes

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Yes

 

Why did you cease payments:- I had a payday loan with these i could not afford to pay off and was rolling over and hit max amount of roll-overs - so they gave me an instalment loan with higher unaffordable payments to clear the payday loan debt

 

Was there a dispute with the original creditor that remains unresolved? NO

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? I attempted to by phone but was not helped basicly called a liar

 

I did speak to these on the phone a few times to advise i was not in a postion to pay off the instalments

and looked for a better repayment plan i could afford

 

was bullied into agreeing payments i could not make hence no payments being made and my head being buried in the sand.

 

I sent numerous letters that they say they never received.

 

1st stop never used a debt collection agency to try and get payment

and have gone straight to the court

 

is this allowed?

 

Can anyone help, I am running out of time???

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time - you've 33 days.

 

BUT have you ack'd the service on line at MCOL

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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create a log in on MCOL first

note the pop up number

then log in

click AOS

pt in the required Claimform details

 

tick defend all

 

exit Mcol

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Share on other sites

Sit back, be patient, have a read of the forum and send off the appropriate requests.

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

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And keep your eye on your defence due date.

 

Regards

Andy

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 The National Consumer Service

 

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Thanks for the replies guys, I will keep an eye on it, I could not acknowledge though as mcol keeps saying incorrect claim id or password so i am going to have to ring them tomorrow to try and get that sorted.

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I thought you had already AOS'd?

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Sorry i have acknowledged it,

 

I was supposed to put log in not acknowledge,

 

As Andy said to keep an eye on the defence due date,

 

so was trying to check that.

 

also while i think of it

 

do i need to sar or anything 1st stop

as i have no paperwork from them what so ever regarding the original loan etc

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midnight Friday 15th file defence by

 

have you sent of a CCA request

 

and a CPR 31:14

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Have you requested a copy of the Agreement using section 77/78 request (CCA) and have you done a CPR 31.14 request?

 

You can check the date of defence from your claim form...date of issue (day 1) count 33 days..thats your defence date.

 

Regards

 

Andy

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 The National Consumer Service

 

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

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Oops sorry DX duplicate post.:wink:

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 The National Consumer Service

 

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

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no my bad shouldn't take so long to count 33

but the mrs was out the room so ran out of fingers...:lol:

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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blank £1 PO with the CCA request

 

do not sign either letter

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Make sure you put your name and address on the back of the PO and write "fee for CCA request only" then take a photocopy of the back and front of the PO before posting (just in case someone takes the £1 as a payment towards the account as has happened before)

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Its in the legal Library...make sure you use the one for credit cards not current accounts.

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 The National Consumer Service

 

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

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Hi Mightyroyals

 

Going through the wars with 1st stop currently and I'm now only a few weeks away from a court hearing. My post is in the payday loans litigation section if your interested.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?416737-Help-please-court-claim-1st-Stop-PayDay-issued-against-me/page4

Edited by Andyorch
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