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    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other!
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    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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Chances of getting a refund for PDL


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Hi All,

 

Can someone let me know what my chances of getting a refund from these PDL is? All the loans were repaid, except my last ever one with Payday Express which remains unpaid as a default on my credit file.

 

I have read elsewhere that proving affordability is key, but in the case of PDUK/Express despite them being smaller/less loans - can I expect them to atleast write-off/remove the default on the basis, my credit file was trashed, my income was circa £1000k p/m at the time and I had numerous other loans out with both their sister company and other PDL?

 

I have issued the template letter to all four companies, but none have yet to respond.

 

QuickQuid:

 

Lxsqxfx.png

 

 

Payday Express/PDUK:

 

Still waiting on Express to send a statement, but PDUK and Payday Express amounts to 7 loans from sister/same companies also during the same time period I was borrowing from QQ. Circa £800 interest from 2012.

 

Wonga:

 

Statement received, corroborates my own bank statements - sent the template letter but no response as of yet.

 

fhFHK22.png

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Nuff Said :)

So, What Should I Be Looking For?

 

There are no set circumstances in reclaiming for what we call Irresponsible Lending. But there are

some noticeable signs that a reclaim may be successful if you have suffered from the list below;

- Lots of loans over a period. Either Same or Different Companies

- Loans with increasing values over a period from either the same or different companies.

- Poor affordability checks / no checks completed at all or Missing bank statements

- No Credit Check completed.

 

- Checks completed but affordable income was quite low - IE 15% after all repayments

- Lending more after 1 account defaulted with the same lender

- Not checking other companies under the same umbrella that there were running / outstanding loans

 

- Lots of charges IE £5 for failed payment attempt - £35 for failed DD - £15 for letter sent etc

- Repayments were unaffordable on the amount lent which the chances of default were high

- Signs of gambling / addiction if checking bank statement if they were requested

 

 

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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Thanks for the heads up on that guide.

 

Just one other query I have, during the same period around 2010-11 I stupidly managed to get a Cap 1 credit card - reading that guide makes it seem like I could argue a case for irresponsible lending for the credit card? Would it be worthwhile trying to pursue that also? At that time I would have had over 3000k in overdraft, a Vanquis Credit Card and 4-5 payday loans on the go.

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Oh I see �� Unfortunately we cannot comment on other forums I'm afraid however I would say that in you case... It depends upon the APR and credit limit... PDLs are easier to claim on than CCs

 

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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I sent this:

 

To whom it may concern:

 

I have had 24 Loans from you between 2009 and 2013.

 

Your loans trapped me into a debt spiral, with the repayment taking so much of my wages that I had to borrow again to cover my next month expenses.

For this period my income averaged about £1000 a month.

My living expenses were roughly: rent/mortgage £300, Utilities and bills £200. Transport costs £100. Clothes £50, Food £200, toiletries, Total £850 per month. Moreover, you would have seen that the money was being put forward to gambling firms if my bank statements had been checked. This shows that there was no way I could afford these loans. When I repaid them, I had to borrow again to get through the next month.

 

You should have realised from the number of times I rolled loans or borrowed again that my debt problems were getting worse. It was not responsible to continue to lend to me.

The statements you have provided detail approximately 24 loans including numerous roll overs, some equating to three month roll overs.

My credit reports would have shown my other debt repayments and problems including late payments.

You should never have given me these unaffordable loans.

I would like to ask you to refund the interest and extra charges I paid. The Financial Ombudsman suggests that statutory interest is added to this sort of refund.

I only found out I could make this sort of irresponsible lending complaint in February 2018, I understand the Financial Ombudsman will consider all my loans, including those that are more than 6 years old.

Kind Regards,

 

Credit Limit was £1000 and APR was from memory about 35-40%

 

Oh I see �� Unfortunately I cannot comment on Debt Camel I'm afraid however I would say that in you case... It depends upon the APR and credit limit... PDLs are easier to claim on than CCs

 

Credit Limit was £1000 and APR was from memory about 35-40%

Edited by dx100uk
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Yes well you need to balance this out...

At what stage was the CC offered? The APR would represent the fact that you had a default or had a poor credit history so its not just a case of reclaiming against a CC...

 

Its mostly large increases in Credit Limits that its viewed as being irresponsible...

If i could be honest about your first post, I dont think that you will get the refund of what you want as per the spreadsheets you posted up...

Not putting you down i promise however, there has to be some give - IE 2 loans close together isnt really Irresponsible lending if small amounts however, you have a very good case with QQ and Wonga but im afraid that if youd like my help you need to give me more info.

 

We need to know loan amounts... etc to give you the best advice :)

Ignore your total refund column... This is not what you will get and reclaiming doesnt work like that :)

 

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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As soon as I get the SAR back from Capital 1 I will provide more detail, I don't recall any credit limit increases to be honest - I believe it was a straight £1000 with high APR from the offset.

 

With re. to your comments on the smaller loans i.e. Payday UK, Express and Money Shop.

 

PDUK amounts to 1 loan rolled over 2 times paid on third, Payday Express I will confirm in detail but also from 2009-2012 looking at my statements it totals 7 loans and finally The Money Shop in 2009 16 loans total £2750.

 

are you stating I am calculating the interest incorrectly, or just to not expect that amount if any back?

Edited by dx100uk
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There is no set way to calculate a refund because what is reasonable for a compensation claim is different to each person and how it is viewed by the FOS etc...

 

Yes they may offer 8 pc on top similar to PPI but this isn't PPI...

Let's say you had 15 loans in a short space of time, but you complain... It gets rejected... You go to FOS

They rule in your favour saying 11 were lent irresponsibly...

 

They would consider the below:

 

Refund of interest equal to 11 loans with possible 8 percent *OR* Goodwill Gesture

Removal of information from credit file for All loans

Removal of any searched

Write off outstanding debt

 

Did you get all that from the forum your referred to... There is no black and white scenario... Each is different...

 

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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Ive just had another thought... You have loans going back further then 6 years... This may prove troublesome as its on a case by case basis for IRR Lending...

But if i may ask, before your next steps after the responses - Come back here and we will advise... :)

 

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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Afternoon all,

 

If PDUK/Moneyshop/Express are messing me around with regards to statement of accounts then can i proceed directly to FOS?

 

They started with refusing to send it without payment,

then I disputed that they couldn't charge me to make a complaint and I needed that information in order to complain.

 

They then agreed to provide it,

but have sent partial information,

I have bank statements with contradicts the statements they have sent me etc.

 

They've sent account info for 1/3 of the umbrellas orgs,

despite repeated asking for ALL transactions across all companies

- just generally being difficult.

Edited by dx100uk
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Well we are on!

 

Both PDUK and QuickQuid have responded with FRL stating they do not agree and to go to FOS now.

 

So I have got SOAs from QQ, PDUK, The Moneyshop, Wageday Advance, Wonga, Sunny and Mr Lender. I have put all these SOAs into a document, along with my complaint and the FRL - I have also included bank statements from that time showing my £2.5k overdraft maxed, credit card default, store catalogue default, mobile phone default. I also have included a SAR from HMRC showing my earnings for the years in question.

 

Will this evidence be sufficient enough to now send to the FOS?

 

Still no word from Payday Express re the SOA from their Nexus System.

 

Thanks

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  • 2 months later...

Update:

 

Finally had some movement on my 6 complaints, the Wonga one is being disputed by them due to age so requires more investigation apparently.

 

The one with PaydayUK has been rejected by the adjudicator as they feel it was affordable, however I've asked for this to go to the ombudsman along with a letter from The Money Shop (another sister company) which details I actually had a default with their sister company for unpaid loans prior to them lending to me under a different company name.

 

The others I've yet to hear back on FOS seem to be dragging their feet.

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Welcome back Dale...

 

FOS do take a while so dont worry - All i can say is just keep an open mind.

If the Ombudsman rejects then unfortunately that isnt much more you can do.

 

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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  • 1 month later...

Update 2...

 

FOS still dragging their feet, only one has got to an adjudicator stage which I rejected. The primary one which is QQ is under some form of review, to see if they will uphold the complaint as some of the loans date back to 2010.

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