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    • Hey all,   This is their latest reply.. thought it was dead!   Thank you for your correspondence, our reply to which is set out below. We understand that you have claimed that there wasn’t sufficient illumination near the sign, please see attached the evidence our client has provided. It is evident that on the balance of probabilities your headlights would have shone onto the sign at the point of parking. The signs displayed at the site clearly state that you must not park on the roadways at any time, if you chose to park outside of these terms, you accept the charge set out on the sign. The signs form the contract between yourself and our client UK Car Park Management Limited. We attach our client's photographic evidence which shows your vehicle bearing registration number Xxxx xxx parked on a roadway. By parking in such a manner the driver accepted the charge of £100.00 set out on the signs. Payment of the charge has not been forthcoming within the relevant timeframe and as such the contract between yourself and our client has now been breached. Our client has incurred further costs as a direct result of the breach in taking steps to recover the outstanding debt. As you have stated that you were not the driver at the time of the parking infringement occurred, please provide a valid nomination for the driver, this can be done by providing their full name and a serviceable address for them. In view of the above it is our Client's position that the sum of £160.00 remains outstanding within 30 days from the date of this email. In the event that neither a valid nomination nor payment is made within this time-frame our Client may elect to issue legal proceedings without further notice.
    • If I sort by start date the newest is by Night Owl on November 25, 2011. Are the newer Lloyds success stories somewhere else?
    • Many thanks Dx.  Do I need to send the SAR to the Data Protection Officer for HSBC at Coventry or to HSBC's headquarters in Canada Square, london.  I've just looked up the Data Protection Register for HSBC and both addresses are shown
    • Heres one similar....plenty in the Legal Success Forum.   https://www.consumeractiongroup.co.uk/topic/407429-mmfmoriarty-claimform-old-mr-lender-pdlclaim-dismissed/   Andy  
    • Simply reject the car then if its not as described using the Consumer rights Act 2015.   What date did you purchase the vehicle /   Andy
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    • My personal experiences of Future Comms 
       
      Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!
      • 0 replies
    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
        • Like
      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 5 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
andygeo

irresponsible lending claim for old payday loans

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Dear Forum Members,

 

I used to be in a mess getting by on PD loans and had up to three concurrent ones

Thankfully with the help of family members I managed to pay them off. At least I now pay off my debts with no interest ...

 

I recently found out out about your website and decided to make a claim for irresponsible lending. Both QQ and Wonga rejected by claim so I went to the ombudsman.

 

As some of my loans were more than six years old, QQ replied that they will not deal with them.

 

The ombudsman has offered me two options: Continue claiming for all loans which will take more time and may fail or progress only with the loans I took within the last 6 years.

 

So my question is if its worth pursuing the old loans? Do I have any chances of success? Or should I pursue the rest of them and get what i can ?

 

Any advice would be appreciated.

 

Andy G

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Do both

Yes weve seen IRL claims outside 6yrs..

Did they get rolled too and fall within 6 yrs then as 1 refinance d the other?


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Thanks for your reply.

 

The reply I got from the ombudsman asks me to chose one way to proceed so I don;t see how I can dp both.

 

I had constant PD loans for 2.5 years but not with the same company every month.

Most of them were with QQ and Wonga - sometimes consecutive months, sometimes with 2-3 months gap.

 

I took the loans between 2010 and 2012, most of them are older than 6 years to be honest.

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Ombs or adjudicator?


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

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Someone signed the letter

Have they signed it as as an adjudicator?

I bet so as youve not escalated this..

I.e this is the 1st reply..

 

You need to read the guide

 

Scan it up to one pdf read upload


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

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