make a new topic for each company.
scan up to PDF their full responce
that way we wont be getting your knickers in a twist
most likely scenario will be straight off to the FOS if they've sent their final response
don't forget very few will ever cough they did wrong at the 1st try
use this thread for general info concerning all of them
So a number of weeks ago I began the process of opening IRL claims on 35 payday loans.
15 of the loans are ongoing, with monthly credit commitments standing at around £2k per month.
I have so far written and sent letters of complaint on these 15 loans (to 10 different companies).
I have outline drafts for the other 20, although the structure is largely the same.
I have run out of momentum in a big way but having had a short break with my young family I am getting back on the case. I have begun to receive replies from the Companies in question, none of which have been favourable thus far. I have also not spoken with and come to an arrangement on a payment plan for a handful, which is adding to the stress and impact on my mental health.
My intention with this topic is to try to lay out in as concise a way as possible the history of these loans, the key figures involved and also an example of the letters that I have sent thus far.
From there I will share the responses that I receive and further action thereafter.
I am unsure on a number of issues if I am honest. I do not think that I provided anywhere near enough evidence in my letters, which is probably going to lead to a string of rejections. I can not afford to repay the loans under the initial terms and in any case I have no intention of repaying a single penny over the loan capital.
I am concerned about the effect that this will have on my credit file, the security of my mortgaged house, the prospect of bailiffs etc. should I run into problems while waiting for The Financial Ombudsman.
I feel it is therefore in my favour that I have not yet sent the other 20 letters, which request a refund of interest totalling nearly £4k, as I expect to have a much stronger case within a couple of weeks.
I am off to search the forum as I recall seeing a post about Etiquette when posting files, and I will have quite a few to upload. First being a spreadsheet which I hope will give a clear understanding of all of this.
Most of all I am hoping that, by the end of this process, my journey will give even a single person the means and hope to get themselves out of a similar position.
Thanks for reading.
I am back as I today have got Notice to registered keeper showing parking charge amount due now is £100.
What shall I do now? ignore or appeal?
Please see below my answers now that I have received NTK.
1 The date of infringement?
Answer: 18th June 2019
2 Have you yet appealed to the parking company yet? [Y/N?]
Answer: I haven't appealed yet.
If you haven't appealed yet - ,.........
have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days]
what date is on it
Answer: couldn't find the date however I received it today (22nd July 2019)
Did the NTK provide photographic evidence?
Answer: Yes, although it only shows the number plate of my car.
3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N?]
4 If you appealed after receiving the NTK,
did the parking company give you any information regarding the further appeals process?
[it is well known that parking companies will reject any appeal whatever the circumstances]
Answer: I haven't appealed yet.
5 Who is the parking company?
Answer: MET Parking Services Ltd.
6. where exactly [Carpark name and town] did you park?
South Ruislip ASDA, (840) Arla old dairy
Please also see the attached copy of the NTK that I have received.
Scan 22 Jul 2019.pdf
I see you've been here for a while, so maybe I could suggest that you read around our PPC forums for cases involving Amtrac and other PPCs to understand how they operate.
Here at CAG we like people to self educate so that if the issue ever goes to court they understand the arguments that they need to make.
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!