Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • i point you to two threads whereby you'll see an explanation by andy (post 22 here) https://www.consumeractiongroup.co.uk/topic/410486-lowell-interim-charging-order-from-credit-card-debt-2009/?tab=comments#comment-4912902   and   https://www.consumeractiongroup.co.uk/topic/406428-remortgage-issue/   if yours says:    written notice of the disposition was given to XX Council ( - disposition = sold vis: disposed of) ..... notice means letter telling them it's been sold -    doesn't say it must be paid or settled BEFORE disposition..   that's the way i read it.          
    • dx100uk   You are absolutely correct. That's exactly what the wording is! And if that's the case then - happy days for me! However, I thought that:   1. This wording meant the conveyancing solicitor had to tell the council that the house was about to be sold so they were aware!   But you are saying that the council only needs to be informed AFTER the house has been sold? Can I tell the council that? [I think I've seen something on the internet that says I can, rather than the CS] Or do I need the conveyancing solicitor to contact the council?   2. That this wording wasn't a restriction K [as I'd looked at Schedule 4 of the Standard Forms of Restriction] and tried to match my wording to those listed - and thought restriction K was the closest.     3. That this was a non-standard restriction [and that's what the Land Registry told me too and that the restriction was not a Restriction K!!! [see extract below]   Please remember that when applying for a restriction not in standard form:   it must always contain the words ‘is to be completed by  registration’ rather than ‘is to be registered’. This will serve to make the effect of the restriction clear. The term ‘registered’, where used in any of the standard form restrictions, means the completion of a registrable disposition by complying with the relevant registration requirements prescribed in Schedule 2 to the Land Registration Act 2002 (rule 91(3) of the Land Registration Rules 2003), but this statutory definition only applies to standard form restrictions. Please note that we will not accept restrictions not in standard form for registration that contain the words ‘is to be registered’   So I'm confused now. IF it is a restriction K - then the conveyancing solicitor doesn't have to do anything and I can let the council know.   It seems it is dependent on the wording 'completed by registration' and 'is to be registered'???   Below is copied from Martin's MSE.   This relies again on the 'is to be registered' whereas my wording is ' completed by registration' which you say is restriction K and LR says is not.   I need to go to sleep now!   Thanks dx.   Extract from MSE below.   If your property is jointly owned a creditor will not be able to obtain a CO against you, they can only get what is called a restriction. The laws on Restrictions are totally different to Orders, the most important being there is NO OBLIGATION for you to pay any of the proceeds of the sale to the creditor. However, during the whole court process you go through the reference from all parties (especially the creditor) will be to charging order and NOT to restriction. This is done in order to deceive you believing you are stuck with a CO. However, not all solicitors are aware of the law in this regard and it is important that you raise this point with them in the first instance before proceeding with them Quote: Restriction The restriction which can be entered on the register where a charging order is made against one of joint proprietors is in the following form :- No disposition of the registered estate is to be registered without a certificate signed by the applicant for registration or his conveyancer that written notice of the disposition was given to [name of person with the benefit of the charging order] at [address for service], being the person with the benefit of /I]an interim[I/I]a final[I charging order on the beneficial interest of (name of judgment debtor) made by the (name of court) on (date) (Court reference.…).        
    • Hi Tony,   Please ensure YF does NOT acknowledge any debt  when confirming their new address.   They should simply state, " Please note my new address, as shown above."   Do not say anything about "a debt owed", or "the money you are chasing."   Do nothing that resets the SB Clock - ie acknowledging the debt and causing probs for the next 6 years. 
    • you ring you bank    
    • i suspect the charge on the Land registry site against the house reads:   2. (XX.XX.2007) RESTRICTION: No disposition of the registered estate is to be completed by registration without a certificate signed by the applicant or his conveyancer that written notice of the disposition was given to XX Council at P.O. Box XX, STREET, TOWN, POSTCODE, being the person with the benefit of a Charge under Section 22 of the Health and Social Services and Social Security Adjudications Act 1983.   ..............   that is a restriction k and is useless to the council, as all 'legally' your have to do is inform them AFTER the house has been sold . then it's too late money has gone.   dx
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 7 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
mooney994

Payday Help? Irresponsible lending/Refund?

style="text-align:center;"> Please note that this topic has not had any new posts for the last 935 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi,

 

its taken me a while to finally come to terms with and finally admit defeat to the payday loans and debt I have aquired over the last few years.

 

I have a number of outstanding debts.

 

PiggyBank - 592

Safetynetcredit - 189

Wageday Advance - 140

Payday UK - 488

Satsuma - 64

Mr Lender and Vivus - Combined at 914 (sold on to MMF so unsure at the moment of the individual debts)

Natwest overdraft - 2,000

 

These were loans taken out from 2015-2016 and I have still not paid them off or made any real dent in what I owe due to very low monthly repayments that have been ongoing for years as I have never been able to afford to pay them back off.

 

This being due to an old gambling addiction and one loan was ususally made to pay of another (a lot of loans not up there that have been settled in that time).

 

This has obviously led to me having a really bad credit score yet within the last few months after the passing of my brother leading to being in work less = less money and a battle with depression and gambling again I have managed to loan from more lenders.

 

MyJar - 179

24/7 Moneybox - 151

H & T pawnbrokers - 304

Lendingstream - 544

Very catalogue - 399

 

I understand it is my own doing in attempting to get more loans but I'm sure (after reading some similar posts here) that these companies are to refuse such applications as my own?

 

I thought maybe there was something here for a potential irresonsible lending claim or something familar after having such debts for years or for what they were used for.

 

Any help in how I would go about this would be greatly appriciated, thankyou.

 

Update: The figures shown are the amount owed not lent.

 

And a lot of the debts have been passed on to debt collectors so I do not know how this will effect me, and I am sure that Vivus is no longer operating.

Share this post


Link to post
Share on other sites

IL complaint to every one of them.

 

pers i'd stop all payments too.

 

do you still bank with nasty pest...

 

if so get your income paid into a parachute account quickly


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Yes im with natwest,

 

How would I go about making a complaint I wouldn't even know where to start .

Share this post


Link to post
Share on other sites

get your income out of that NatWest account

stuff 'em

 

as for the PDL's

https://www.consumeractiongroup.co.uk/forum/showthread.php?472423-CAG-PDL-Reclaim-Guide-Indepth-Step-By-Step

to every one of 'em

pes id stop ALL payments

 

remember a DCA is NOT A BAILIFF

they have

ZERO LEGAL POWERS


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

If you have any questions about reclaims, please let us know and we can help.

We can tailor my help if you need it


 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Share this post


Link to post
Share on other sites
If you have any questions about reclaims, please let me know and i can help.

I can tailor my help if you need it

 

Hi thankyou for you help, I am struggling to come up with everything I should include in the email. Do I send this to anybody in specific or the companies complaints department?

Share this post


Link to post
Share on other sites

you don't ever email anyone

you WRITE.


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites
you don't ever email anyone

you WRITE.

 

Hold on DX

 

It might be worth doing both - Send an email to the CEO of the group if unhappy & send a letter to their complaints team

That way you MAKE SURE it doesnt go amiss ^_^


 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Share this post


Link to post
Share on other sites

you need a paper trial.


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites
you need a paper trial.

 

Most certainly

Keep a file for each company and reclaim..

Add emails and letters sent to each file


 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Share this post


Link to post
Share on other sites
Most certainly

Keep a file for each company and reclaim..

Add emails and letters sent to each file

 

Thanks guys

Share this post


Link to post
Share on other sites

Quick question.

 

If the loan has been sold to a debt collectors who am I hoping to receive any kind of reclaim or anything from? and who shall i be sending the letters too between the loan company or debt collectors?

 

Thanks.

Share this post


Link to post
Share on other sites

Another quick one, Vivus, one of my old lenders are essentially non operative now with no way of contacting them.

How would I go about this?

 

Also my Very catalogue account/ credit, is there any hope in reclaiming any of this?

Share this post


Link to post
Share on other sites

always best to use our search cag box in the top red toolbar 994

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?455314-PDLs-Complaints-with-9-Lenders-60-loans-%A33000-written-off

 

if there were penalty charges on the very account then yes.

might well be PPI too


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Thanks for the fast responses guys you're a great help.

 

Can/ should I try to reclaim anything back from the loans thats I have managed to fully repay during a simialr time period?

Share this post


Link to post
Share on other sites

Hi guys,

 

Slight update,

 

Savy, h and t and lending stream believe no irresesponsible lending took place so are currently on the way to the ombudsman.

 

However I have received this from Mr Lender and would like a second opinion on whether this is a fair and acceptable offer or I should refer this too.

 

Thanks in advance. Here's the email.

 

Dear Mr Mooney,

 

After reviewing your account, we can confirm you have taken one loan with Mr Lender on the 18 March 2016 for £250.00. We can confirm we have only received payments of £32.00 towards this loan and your account has since been passed to a third party debt collection agency, Motormile Finance, (MMF).

 

Since receiving your your complaint, we have been in contact with MMF who have informed us, they have received a total of £10.00 towards your account and your outstanding balance stands at £405.50.

 

As a gesture of goodwill to resolve your complaint, we are willing to reduce your outstanding balance of £405.50 to £208.00 which can be repaid via an affordable monthly repayment plan. Upon acceptance of this offer you would only be repaying the capital amount borrowed and therefore no interest would have been charged.

 

As a further gesture of goodwill, once the outstanding balance has been repaid please inform us and we would be willing to remove any adverse information from your credit file.

 

Please note, as a lender this is the maximum we can offer to resolve your complaint as all consumers are required to repay the initial capital amount borrowed.

 

This is our full and final offer in the hope to resolving your complaint and we look forward to hearing from you by the 12 January 2018.

Share this post


Link to post
Share on other sites

did you have multiple loans elsewhere and a rubbish credit file at the time of taking the above out?


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Yes horrendous credit and at least 5/6 + other loans with other creditors amounting to a couple of thousand owed out.

Share this post


Link to post
Share on other sites

then IMHO they should not have allowed the loan so no reject the findings.

the whole IR remit is that they should not have loaned you the money at all.

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Yeah that's what I was thinking, seemed like they were trying to get away with offering me the minimum.

 

Think I'll refer it. Thanks

Share this post


Link to post
Share on other sites

go for it

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...