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    • 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.                
    • Here is the reply from POPLA after I complained to its chief assessor -- completely rubbish!   ---   Your complaint about POPLA   Thank you for your email, which was passed to me by the POPLA team as I am responsible for responding to complaints.   I note from your correspondence that you are unhappy with the decision reached by the assessor in your appeal against Parking Eye.     POPLA is an impartial and independent appeals service and we do not act either for the parking operator or the appellant. It is important to explain that it is not our remit to source evidence and documents from either party in support of their submission and our decisions are based on the evidence received from both parties at the time of the appeal. We cannot consider further evidence after the appeal has been completed.   You have advised that the decision issued to you on 29 October 2019 does not address the crucial points of your rebuttal.   You have reiterated your original grounds of appeal. For clarity, I have addressed each point as follows.   Regarding grace periods.   While section 13 of the British Parking Association Code of Practice stipulates that a minimum grace period should be allowed, the grace period is only applicable in car parks are required. In this car park, the entrance signs states that the site is for permit holders and service vehicles only, as such, a grace period is not applicable in this instance. You would have been aware that you did not have a permit on entering the site and I am satisfied that the assessor is correct in determining that the six minutes that you were on the site was not a reasonable period.   You have advised that there is no evidence of landowner authority and have provided a quote from another POPLA decision.   POPLA deals with appeals on a case by case basis and as such, any external factors such as other similar parking contraventions or appeals have no impact on our decision making.   I have reviewed the assessor’s comments relating to this ground of appeal and also the document provided by the operator and I am satisfied that the assessor has correctly stated that the operator has the relevant authority to issue PCN’s on this site.   You advise that no contract was formed between the driver and the operator.   The assessor has advised that the signage on the site makes the terms and conditions of the car park clear which, after reviewing the images of the signs provided, I agree with. By choosing to remain on the site, you have accepted the terms and conditions of this contract and by remaining on site for six minutes without a permit, the terms and conditions were breached.   After reviewing the assessor’s decision, I am satisfied that the outcome reached is correct As POPLA is a one-stage process, there is no opportunity for you to appeal the decision.   As our involvement in your appeal has now concluded you may wish to pursue matters further. For independent legal advice, please contact Citizens Advice at: www.citizensadvice.org.uk or call 0345 404 05 06 (English) or 0345 404 0505 (Welsh).   In closing, I am sorry that your experience of using our service has not been positive. We have reached the end of our process and my response now concludes our complaints procedure. I trust you will appreciate that there will be no further review of your complaint and it will not be appropriate for us to respond to any further correspondence on this matter.   Yours sincerely Paul Garrity POPLA Complaints Team
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Well back again after a number of years following your success in getting unwelcome finance out of my life forever.

 

I have been receiving emails from lantern relating to a quick quid loan

I admittedly did not fully repay as I was at the time backed into a place where my only way out was to stop paying the payday loans and then deal with the fallout or lose everything.

 

Just at that Time I had loans with Wonga, Myjar, quick quid and pounds to pocket using one to repay another and getting deeper and deeper in.

 

Anyway Wonga wrote off their balance in full with no comebacks following a legislation change.

 

I sent quick quid a letter stating I was intending to defend the way the loan had been approved after a number of previous loans, Irresponsible lending, and received a letter saying they were looking into my complaint and received no further communication from them so forgot about them,

 

then sent their reply to Quick quid as they are the same company

they simply replied saying they would take me to court,

then heard nothing,

 

 

now fast forward four years and I start getting emails from Lantern,

I have not replied to any of them.

 

Firstly for one quick quid account and now they are saying I have 2 quick quid accounts totalling 2,900 pounds.

 

If I try to pay this it will put me right back to square one after managing to get back on my feet and clear all other debts, and start to rebuild my credit rating.

 

Any advice will be welcome.

Edited by dx100uk
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have you sent the OC an IRL complaint for these 2 loads.

 

ignore and bounce back the Email the block them.

 

QQ are aware of your correct address are Lantern?


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I have not sent the OC an IRL I didn't know if I had to send it to Lantern as they have now bought the debts.

I also do not have all the information anymore about all the accounts and different loans I had with them.

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Always the oc

Get both running now IRL and sar


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So I send the SAR to quick quid first then when I get all the information back issue the IRL is that correct.

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Thats not what i said is it....


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The only information I have are the two loan reference numbers from Lantern so will have to issue the IRL with those I am assuming they are the Quick quid ref numbers.

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why not ring QQ and ask for a list of loans by email PDF

and any other PDL co. you used!!

 

as well as a free sar to each


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

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That would be quicker, I will ring them tomorrow, Thank you.

 

Could the SAR and the IRL be sent by email.?

 

 

Edit. Don't worry seen your advice in another thread I will send first class post.

Edited by Andyorch
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well Quick quid have allegedly provided all the information from my DSAR on my account page on their website for me to down load,

 

when I try to log on ( yes the log on information is correct) it keeps coming back with,

 

this page can not be opened and they are telling me the information is only available for 7 days.

 

do I send another DSAR and specify hard copy's of the information?

Edited by dx100uk
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I have emailed them and requested either a hard copy or email in pdf just wanted to record they have not given me access to the information.

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Just received the following reply from Quick quid,

 

Customer Summary

Number of Loans 6

# payday 4

# OEC 1

# P2P 1

Number of Loans > 6 Years 2

All loans out of scope? N

Number of loans post 2015 0

 

 

 

 

We are in receipt of your complaint dated 25/07/2018 where you allege that QuickQuid irresponsibly lent to you. As a responsible lender, we have reviewed your lending as it relates to QuickQuid and Pounds to Pocket as these brands are both owned by CashEuroNet. Both brands will collectively be called CashEuroNet moving forward in this correspondence. In our assessment we look at:

• Affordability

• Creditworthiness

• Dependency

• Hardship

I’ve investigated your complaint and would like to bring your attention to the following points:

Under the Financial Conduct Authority’s rules, complaints cannot be made where they concern an event that occurred more than six years ago. Of course, we will still investigate your allegations as they pertain to any loans you have received in the last six years.

AFFORDABILITY & CREDIT WORTHINESS

The investigation of your complaint considered all relevant information contained in your application. It was noted your monthly income was stated as £2300 per month. I compared your income to your total monthly repayment for each loan you took with us. From this I can see that the income you made during each payday loan with us was always more than enough to cover the amount you had to repay us for each loan and thus I cannot agree with you that your loans were unaffordable.

DEPENDENCY

If there was dependency we would expect to see constantly increasing amounts in order to cover the prior loan interest and principal. However, your loan amounts varied and actually decreased from the previous loan which shows that you were not relying on one loan to repay the previous loan.

You are claiming that you were dependent on loans. Yet if you were dependent on taking out one loan to repay the other then you would have taken out numerous loans, for equal or increasing loan amounts, and with very little time between paying off one loan and taking out the other. When I reviewed your loan history I see that you never had more than four consecutive loans with less than 15 days between loans.

HARDSHIP

I reviewed your file and noted that on 06/05/2014 you informed us of your financial difficulty. However, your file also shows that we did not issue you another loan after you claimed financial hardship.

CONCLUSION: COMPLAINT NOT UPHELD

Therefore it is for the above reasons we cannot agree that CashEuroNet irresponsibly lent to you.

As this is our Final Response regarding your concerns to the above referenced account, if you are not happy with this outcome I need to ensure that you are aware of the ultimate availability of the Financial Ombudsman Service. You have the right to refer your complaint to the Financial Ombudsman Service, free of charge.

The Ombudsman might not be able to consider your complaint if:

• what you’re complaining about happened more than six years ago, and

• you’re complaining more than three years after you realised (or should have realised) that there was a problem.

We think that your complaint was made outside of these time limits but this is a matter for the Ombudsman to decide. If the Ombudsman agrees with us, they will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances (see below).

If you do decide to refer your complaint to the Ombudsman you must do so within six months of the date of this letter.

If you do not refer your complaint to the Ombudsman within six months of the date of this letter, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances.

The very limited circumstances referred to above include, where the Ombudsman believes that the delay was as a result of exceptional circumstances. I have provided you with a link to the leaflet for your information to assist you if you decide to pursue this further course of action. They can be contacted at:

The Financial Ombudsman Service,

Exchange Tower,

London,

E14 9SR.

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get off to the FOS quick then

as QQ are imminently going bust according to press reports


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Casheuronet will try to set off any refunds against the accounts they sold to Lantern. I've been through it and the Ombudsman made a decision for them to either buy the account back, or pay the refund to the third party. So to avoid that you should negotiate a reduced settlement with lantern so there's no debt to set off. That's a standard reply from QQ too, I think they just use a template and input your income and loan dates etc.

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Thank you is there a standard template letter or an example I could use please

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in our guide already.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thank you is there a link to the guide I have been looking for the tab but not very good on here sorry

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