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    • going by your figures    £5239.50 was added to the £21k loan making the amount we borrowed  £26239.50.   so the PPIPCM% was: ppi/loan+ ppi*100=%   5239.50/26239.50*100=19.97% so lets call that 20% so 20% of any payment made on its date was PPI.   now you'll have to fill out the statint sheet as if you haven't yet been refunded then add in the payment you got on its date as a minus figure on the sheet on its date to the sheet   that will tell you whats outstanding from the refund   thus what you owe today.   dx          
    • Next you need to send off for a breakdown of the charges the Bailiff applied.  . Here's an example,  use and ADAPT at will and best sent initially by email backed up by a copy in the post. . "From: My Name My Address . To: Acme Bailiff Co Bailiff House . Ref: Account No: 123456 . Dear Sir . With reference to the above account, Can you please provide me with a breakdown of the charges.  . This includes: a - the time & date of any Bailiff action that incurred a Fee. b - the reason for the fee. c - the name(s) of the Bailiff(s) that attended on each occasion a Fee was charged. d - the name(s) of the Court(s) the Bailiff(s) was/were Certificated at. e - the date of the Certification. . This is NOT a Subject Access Request uest under the Data Protection Act S7 1998  You are obliged to provide this information. . I require this information within 14 days. . Yours faithfully . Ripped off customer" .
    • well no you did tell them you'd cancelled the fact that you omitted to pay one extra dd after that date is somewhat immaterial now.   your problem is you've done all this by email. you now need to stop using email and block and bounce them totally   using royal mail send harlands a letter offer them one months payment as you cancelled the dd without leaving 30 days for the next  payment to be taken. but refusing to pay any unlawful admin fees.   if they fail to accept that. you ignore everyone.   dx        
    • not your problem   use the custom google search on the top right    pcn claimform get reading up on what is to come if they proceed. and no you don't need to add to your defence.   dx
    • Hi Slick.    Originally my contract was with someone else and was a 12 month thing (which I was past) so I assumed it was a one month rolling contract. However when my gym changed ownership Harlands took over my DD (and put the price up).   I didn't tell the gym directly I just cancelled it with my bank due to miss information from my gym. The last DD payment was late last year probably around October time as this has been going on for a while with emails between myself and Harlands.
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    • This is a bit of a lengthy one but I’ll summerise best as possible.
      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....
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    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
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    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      Do you have a mortage arears claim to make? Then post your story on the forum here
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    • 30 Day Right To Reject - Vehicle Casualty Report. Read more at https://www.consumeractiongroup.co.uk/topic/415585-30-day-right-to-reject-vehicle-casualty-report/
      • 57 replies

WDA - irresponsible lending

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I had a roll over loan with WDA

29/11/2010 Amount £200 (actual amount £185 charged £15 for direct payment) Repay £250

20/12/2010 £250 Repay £312.5

Jan 2011 Can not find details.

28/02/2011 £350 Repay £437.5


After reading another forum (sorry) that’s associated to the guy on TV (He spoke about reclaiming), I went through Resolver for an IR claim.


I had multiple loans (Pay Day Express, MyJar, LendingStream, CFO, CashChoice, MrLender, Speede) so I was using one to pay the other etc – got myself into a right mess


With WDA – I tried multiple times to contact them to arrange payment plan but emails got ignored – they passed it to two agencies – latter being MMF.



Well – had my Final Response today on the Resolver site:


I write further to my last update to advise we are now in a position to provide a final response to you about your complaint.

Thank you for taking the time to share your concerns.

I would like to assure you that we take all issues raised in relation to your case very seriously and having reviewed your case I now set out my conclusions below.




Complaint details:

You have raised a complaint because, in summary, you believe that Wage Day Advance should never have lent to you based on your circumstances at the time you took your loans as these were unaffordable and as such, we lent irresponsibly.

Your lending history with Wage Day Advance:

Please find a summary of your loans at Appendix A.

((Nothing attached as itÂ’s via Resolver website..))



Having reviewed our records, we note that all your loans were granted over six years ago and are considered as being time barred.


As an online lender, we believe we provided ample information in relation to the loan application and income and expenditure process, along with information on how to contact us if you were experiencing difficulties and how to make a complaint.


In addition to this, there has been a high level of media coverage relating to payday loans since 2013 and, therefore, we believe it is fair to conclude that you should have reasonably been aware you had the opportunity to raise a complaint sooner.


Having reviewed your complaint we do not believe that there is evidence of exceptional circumstances that prevented you from bringing this to our attention within the relevant time frame and therefore will not consider whether any redress would be due in respect of the above points.


If you have any additional information you believe we should consider that may change our decision, and can confirm why, in view of the media focus and reporting on the payday lending sector since 2013, you believe you were unaware of the issues and your option to raise a complaint at that time, please feel free to provide this for our consideration.




Due to non-payment on your final loan, the account was sold to Lantern (formerly known as Motor Mile Finance Ltd) and they are now the legal owners of the debt.


As we have completed our investigation into your complaint, we have instructed Lantern that normal collections activity may resume.


We hope the reasoning and decisions set out in this letter resolves the complaint to your satisfaction.

Please note that this is our final decision based on the information you have provided and what we hold on our records.


Whilst writing to you, I must let you know that you have the right to refer your complaint to the Financial Ombudsman Service, free of charge.

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


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 and because of this the Ombudsman does not have our permission to consider your complaint. It is feasible that the Ombudsman may disagree with our view and decide to review it however, they will only be able to do so in very limited and exceptional circumstances.


I have enclosed with this letter a copy of the Financial Ombudsman Service standard leaflet. More information can also be found on their website, www.financial-ombudsman.org.uk. If you have received this letter by email, I am unable to enclose the Financial Ombudsman Service standard leaflet, however this can be found at: http://www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm.



((Nothing attached as it’s via Resolver website..))


Thank you for taking the time to contact us and for allowing me to carry out a full investigation.

Yours sincerely

Adrienn Szollosi




Now they have said that they’ve now told MMF to come after me again – this dropped off Credit File as it was 6yrs


As you can see they even stating that I cant go to FOS and they don’t give permission.

Is this correct? I’ve read different posts say I can not and some say that the FOS will take intrest into the likes of WDA for 6+yrs…


Can anyone offer some advice, point me in the right direction.



Edited by dx100uk

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shame on you

we have our own reclaiming guide..



stop using resolver!!




its when you realised not their silly time limits.


when was you last payment too?





1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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My last payment to WDA was 28 Feb 2011 same day I took out the last loan.

Last token payment to MMF was 2016 cos I thought oh well it drops off report soon.

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Why were you blindly paying mmf without checking?





1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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Why were you blindly paying mmf without checking?


I was foolish.

Thought it was right thing to do at the time.

Then learnt more about DCAs having not much power..


Guess you learn by your mistakes


I should still be able to.go after wDA via the FOS, shouldn't I?

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