Jump to content


  • Tweets

  • Posts

    • Hmm yes I see your point about proof of postage but nonetheless... "A Notice to Keeper can be served by ordinary post and the Protection of Freedoms Act requires that the Notice, to be valid,  must be delivered either (Where a notice to driver (parking ticket) has been served) Not earlier than 28 days after, nor more than 56 days after, the service of that notice to driver; or (Where no notice to driver has been served (e.g ANPR is used)) Not later than 14 days after the vehicle was parked A notice sent by post is to be presumed, unless the contrary is proved, to have been delivered on the second working day after the day on which it is posted; and for this purpose “working day” means any day other than a Saturday, Sunday or a public holiday in England and Wales." My question there is really what might constitute proof? Since you say the issue of delivery is a common one I suppose that no satisfactory answer has been established or you would probably have told me.
    • I would stand your ground and go for the interest. Even if the interest is not awarded you will get the judgement and the worst that might happen is that you won't get your claim fee.  However, it is almost inevitable that you will get the interest.  It is correct that it is at the discretion of the judge but the discretion is almost always exercised in favour of the claimant in these cases.  I think you should stand your ground and don't give even the slightest penny away Another judgement against them on this issue would be very bad for them and they would be really stupid to risk it but if they did, it would cost them far more than the interest they are trying to save which they will most likely have to pay anyway
    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
    • The sign says "Parking conditions apply 24/7". Mind you, that's after a huge wall of text. The whole thing is massively confusing.  Goodness knows what you're meant to do if you spend only a fiver in Iceland or you stay a few minutes over the hour there.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Tesco personal loan - cannot afford full payment anymore


Throwaway
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 833 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 evening all,

 

I took out a unsecured personal loan around 2 years ago with Tesco bank.

My financial situation has changed quite a bit in the past 6 months, lost a family member, dealing with depression and anxiety and due to this my self employment businesses sales have plummeted. I got a part time job to help cover my living expenses so i'm trying my best to keep up with all of my payments.

 

My outstanding balance is just over £16k. Monthly payments just under £400. The past 4 months I've been paying late. At the end of every month I end up giving every single penny I have toward this loan payment.

 

Tomorrow I am planning on sending this letter off I found in the forums.

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?387346-Ask-Creditor-to-Accept-Pro-Rata-Payments-**Correct-as-at-October-2013**

 

I was just wondering where I can find a I/E sheet? and do I include this loan payment in that sheet?

 

Also what is considered a reasonable offer that they would be inclined to accept?

 

Is this the best way forward?

 

Thank you in advance

Link to post
Share on other sites

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... 

Link to post
Share on other sites

ofcourse

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... 

Link to post
Share on other sites

i'm at minus £200 odd for the month, I have been borrowing money from my parents to cover the payment for the past few months, do i mention this?

so i'll most likely be offering £200/month, this isn't an 'insulting' offer is it?

 

thank you

Link to post
Share on other sites

NO

 

no

 

what other debts do you think you have to pay?

 

list them

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... 

Link to post
Share on other sites

This is the only debt I have.

 

The large portion of my expenditure is direct debits for gas, water, electricity, car insurance, road tax, Internet, mobile phone. I've had to have a very frugal lifestyle for the past few months so other expenses are at a minimum already

 

Do I send them the i/e sheet with the minus or do I change it so it looks like I have just enough? I can just add my parents money as an income from my job

Link to post
Share on other sites

Internet, mobile phone are not priority debts.

 

I can just add my parents money as an income from my job - ok

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... 

Link to post
Share on other sites

I need both for my work but I've tried to reduce them down a lot too, around £20 for both

 

So do I send it off and leave it as it with the minus figure?

 

If I show them that I have just about enough won't they just decline my offer?

Link to post
Share on other sites

they don't decide you do...

 

take control its YOUR MONEY ...

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... 

Link to post
Share on other sites

You're right, I'm going to send it as it is with the minus then and offer them an amount accordingly.

 

This place has helped me ease my worries so much I appreciate your help.

Link to post
Share on other sites

  • 4 weeks later...

Quick update, Tesco were really helpful and agreed to a lower payment for 3 months and they will review my circumstances again after 3 months.

 

Thank you DX! You don't ask you don't get.

Link to post
Share on other sites

and you then continue to plead poverty.

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... 

Link to post
Share on other sites

  • 4 months later...

Hi, I'm about to send another letter as my situation hasn't improved, in fact it's gotten worse. I can only £5/month after cutting back on everything. I was wondering whether there is formal way of requesting that they get back to me via letter? I have anxiety and speaking on the phone amplifies it.

Link to post
Share on other sites

Who talk on the phone?

You never do that for any debt

Just send it to them and pay when gou say you will

You dont need their permission

 

Its YOUR MONEY..tske control not let your creditors........

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... 

Link to post
Share on other sites

Yep as post 13..way to go!!

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... 

Link to post
Share on other sites

If they ring in future simply tell them "everything in writing" and hang up.

 

 

Repeat the process or block their number.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

  • 4 weeks later...

Good evening all.

I've received a letter from Tesco stating that they want to know about a certain payment to another creditor and the balance of that account.

 

They also said due to the level of arrears on my account and the low payment offer I made that's it's necessary for them to issue me with a default notice followed by a termination notice and that I'll receive these in the post shortly.

 

They also mentioned that after the default and termination notice that my account will be transferred to the recoveries department,

 

does anyone have experience with them?

Will it just be me making an agreement with another department?

 

Without sounding silly, what do I do?

Send them a letter with the balance I owe to PayPal?

They want a reply within 30 days.

 

Also they said they will default and terminate my account then further down the letter they state if I don't reply within the 30 days that's when they'll automatically default and terminate my account

 

They've put my account on hold till a certain date by the way.

Link to post
Share on other sites

Theyre just passing you to their debt collection team. Its still tesco. If its another company, tell them to get lost and deal with tesco.

 

Remember, they dont get to demand a payment amount. All payments to non essential debts are paid equally so no creditor is treated unfairly.

 

Dont tell them specifics. Send them a simple budget summary that says something like "credit card 1 - xxx amount, credit 2 -- xx etc etc.

 

Dont go naming names.

 

https://tools.nationaldebtline.org/yourbudget/ is a good budget summary generator.

 

remember, if they refuse your payment and youve sent them proof you cant afford more...i drop them to £1 a month until they comply.

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

bottom line is it doesn't matter what you do

they are still going to default and terminate the A/C

 

they've no legal remit to demand any evidence, only a judge can demand that, and as its not going to make a monkies diff to their decision, whats the point, none of their business anyway!!

 

you only ever communicate by letter too!

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... 

Link to post
Share on other sites

Ok I understand, the trouble is I'm paying the other creditor 8 times more than I'm paying Tesco, could this be why they 'refused' the offer?

 

Thanks for the advice, I'll just reply with a short letter stating the balance for the other creditor and nothing else, right?

 

I might be sounding a bit ahead of myself but I just don't want anyone knocking on the door.

Link to post
Share on other sites

knocking on your door? explain more?

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... 

Link to post
Share on other sites

they are not the same thing!!

 

a dca is NOT A BAILIFF

never can be a bailiff

and has

absolutely ZERO legal powers.

 

a bailiff could only EVER be involved in a civil consumer debt IF:

someone takes you to court.

you lose [FAT chance here]

you fail to pay in 28 days

the judge allows their use.

and even then they have NO RIGHTS of forced entry on a civil consumer debt, and in any case can almost always ignored as such.

 

pers I wouldn't be replying to tescos at all as post 21

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...