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    • this is a normal contract for when you forget your wallet and fuel up your car and then promise to pay them later. If you return righ5t away you dotn pay any extra and you can even demand your paperwork back from the garage as they then have no lawful reason to process it. Now is it a fair contract? well, yes and no, if you dotn have the means to pay for your fuel before you fill up then you are committing a criminal offence by doing so but as i many cases of this nature the company would rather farm all the aggro out to a third party who then screw you out of money rather than invoke the available law. So, as you werent offered the contract to consider before you fuelled up then none of it is enforceable and the petrol companies should get their heads around this rather than allow the third party just coin money out of the unfortunate or forgetful   what I fail to understand is why you didnt just pay for the fuel with the card that you were going to use to get the cash? As for the rest of your story listing your afflictions , that doesnt make any difference to a contract, if you are not capable of entering a contract you shouldnt be driving either.
    • Their Order is somewhat confusing...yes you get your set a side and they will not object.   No defence has ever been submitted so it can't stand.(unless you submitted a defence with your application ?) They then state Directions Questionnaires be issued (goes to allocation) and then the next paragraph states the claim is stayed.   Anyway the " Schedule  " is irrelevant it's the " ordered by consent " part that matters.....claim is stayed.     Typical Robbers Way     Andy    
    • Yes thanks both  Have been on the phone to a UC call centre today  to help someone in my Council ward, they said that there is NO paper based system, but if someone is blind or has a vulnerability that makes it difficult to access  then what TomTom has linked to is a way to do it.  That mythbuster link is very useful indeed. DWP are known for pushing easy options  (for them) but will help at a Jobcentre if no other way.
    • UKDomains that's a great shout, I'll open a support ticket on LBC & hopefully they can provide that information.   I've just spent 2 hours in branch, it turns out the fraud dept. never received the proof of entitlement that the branch scanned & emailed to 2 separate email addresses given. That has led to the 3 chargeback amounts, & once again the girl on the other end of the phone had "no idea" about the £685.16, & said "it must be a calculation" well that's good & vague. I have the name of the person in branch I've been dealing with (who has been great btw, & has suffered through this this with me).   Also, by sheer coincidence, she was dealing with the very same rude woman in the fraud dept. who refused to give me her name the other day, but did provide it to the lady in Branch. So now I have that in full, & her employee ID.    I did query with the woman in branch, why TSB aren't backing a customer who has proven beyond any doubt that the transaction was legitimate. Her response? "I got the strong impression when I called the Fraud  dept. on Monday, that we've already reversed the funds to Monzo Bank, this is why they want you to pay the money back into your account."   Well how stupid is that, based on what can only have been a verbal claim by Monzo's customer, this has led to TSB saying "here you go".  & then asking me to kindly underwrite their own stupidity.   I have also just received this by email:   Hi Gavin   Thank you for your note and for contacting me about the difficulties you’ve encountered with TSB.     I have passed your note on to my Head of Customer Service and asked her to ensure that either she, or one of her team, contact you as soon as possible.     Thank you once again for contacting me.     Kind regards     Debbie    Debbie Crosbie CEO, TSB         
    • Many thanks for this alternative advice tomtom   Andy
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
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    • 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
    • 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/
      • 0 replies
    • 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.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
      • 0 replies

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This is a thread to contain my payday loans, my original one is here:

 

HERE

Here is a list of the payday loans i taken out from 2011-2014 (ish) The last contact i made with them was December 2017 as instructed by Redbridge Finance a company who was "supposidly" going to help me claim compensation from them.

 

Wonga

Quickquid

Payday express

Mr lender

Myjar

The money shop

The cheque centre

 

To name but a few, there are probably more but it really hurts my head when i try and think back.

 

I am not being chased for any of the above debts at the moment, and not all of them are on my credit report.

 

The only ones that are on my Noddle credit report are:

 

Lantern:

a debt collection agency wanting £262 default date 11/08/2014 Advance against income

 

Active securities LTD

a debt collection agency wanting £442 Default date 07/09/2014

 

I'm not sure which company they are from (original creditors) , i haven't heard anything from them ever although all of my debts were taken out at my old address.

 

There are probably more than the ones i listed at the top of the page, but it's going back a long time and feel free to read the thread linked in the top for a short back story going back to 2012.

 

I was hoping for some advice on where to go from here, redbridge tried to put a claim in against Wonga, filed a complaint against the FCA to find they went bust.

 

Thanks so much in advance.

 

 

 

Edited by fkofilee
Inserted Link

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Ive put your link back in... Click the link in your first post entitled "HERE"

This is my little playground for the PDL stuff... Someone who has been where you are not so long ago - I have a tremendous amount of sympathy for you...

 

Whats the deal with Redbridge at the moment? - I know who they are but you need to stop with them... PDLs consequently aren't the bottom of the barrel - PDL Refund Companies are the bottom of the bottom... They leech of the bottom feeders that are the PDL companies themselves.

You need to go find out...

 

Wonga - Has gone under and are no longer dealing with loans etc.

 

Instant Cash Loans - (Bare with me this is a long one) They are owned by a company called "Instant Cash Loans LTD" who also own - The Money Shop and PaydayUK - Currently a lot of these loans are being sold to PRAC Financial who are intertwined with BW Legal in various ways... BW Legal are literally a Solicitors for hire to make you cave in... You shouldnt...

 

Quickquid - Still alive... Do you know when the last payment was?

 

MYJAR - Still alive... When was the last payment?

 

The Cheque Centre - Died a lovely death back in 2016 / 2017 - Back they are back online - https://www.chequecentre.co.uk/ - But if you really want to know the full story about the company who runs them now - HERE - Wouldnt surprise me if your debt had been written off and closed. Unless it was sold to Lantern. They used to be MMF.

 

Active Securities - 24/7 Moneybox...

 

Best thing to is to have a look at both the guide below - They are intertwined - Hopefully it will help you a better understanding of what info is on your CRA and whether you could do an IRL

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Hi thanks for the response!

 

I have not heard anything further from Redbridge since Wonga went bust and the FCA basically said they couldnt do anything. I do remember signing something however that says they are entitled to money from me if i decide to go for compensation without using them but i'm not sure.

 

They gave me templates to send to the various PDL companies and i only got 3 replies . QuickQuid Wonga and Payday express.

 

My last payment to payday express was £50 for an extension fee on 23/08/2011 . Have i just ruined a possible statue barred by emailing them in december 2017?

 

Quickquid last payment was 08/07/14 . Also last email was December 2017

 

PRAC Financial have instructed BW Legal to start a ccj if they do not here back from me by 27/02/19. I think it's only the Money shop debt they are chasing on that letter.

 

Thanks again for the reply!

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Thanks for the links in your signature. I'm having a really good read.

 

Am i right in thinking the only ones that matter are the ones on my credit report?

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I've now found out searching my emails that Lantern are collecting for quickquid.

 

Quickquid sent me a statement on december last year saying the amount i owed was £27.65

 

Now , Lantern on their first email said my balance was £27.65

But now it's around £260?

 

I'm not sure what an IRL is but do i send quickquid a CCA request?

 

Sorry if my post is confusing im literally twisting my self in knots trying to figure what goes where...

 

Thanks for the reply again!

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IRL ….click the purple link at the bottom of fkofilee post above


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

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Your account is £27.65 in arrears!

 

Your loan has been sold to a third party collections agency. Please contact our Final Resolution Team on 0800 016 3114 with any questions.

Loan Summary

Loan ID: XXXXX

 

In Arrears

Loan Status

 

£27.65

Arrears Amount Due

?

 

£0.00

Current Amount Due

 

£250.00

Loan Amount

?

 

Repayment Schedule

?

Payment # Due Date Amount Status

1 16/03/2012 £0.00

2 13/04/2012 £30.00

3 11/05/2012 £312.50 Missed Payment

 

from my account on quickquid... I'm almost certain there were more debts with them previously for £600-£800 that's been paid off though!

 

Loan History Loan ID Loan Type Funding Date Loan Amount Status Cost of Borrowing Statement

Total: 0 Loans

 

Loan Status In Default End of loan actionPay In Full Date Applied01/04/2012 18:25:41 NSF/Late finance charges£12.00 Loan Amount£250.00 Loan Fee£62.50 Loan Term28/1 days Funding Date13 Apr, 2012 Extensions Available2 Due Date 11 May, 2012

 

I'm just gonna post again because it's not letting me edit but in a nutshell i have found that i was borrowing from Wonga and quickquid at the same time, is a statement from Wonga enough proof for an IRL claim ? It is pretty eyewatering i was borrowing and paying Wonga for 6+ months then used quickquid and the wonga again. The debt is also over years old. And it's lantern that is on my credit file that has emailed me asking to make a payment arrangement.

Thanks again!

 

I have also recently found out that 24/7moneybox the originial loan was for £120 and Active Securities are wanting £442 accoring to my credit report. I did send them a bank statement originally and it shows all of my income being transfered to another bank as soon as it's paid in.

 

Ok after spending most of the day reading these forums and advice i am going to send an IRL letter to :

 

24/7 moneybox - original debt £120 now £442

Quickquid - £27.65 original debt now £260

payday express - £315 - not on credit report and was from 2011 but worth a try as any settlement could help me pay off my CCJ.

 

Thanks again guys i might need some help or someone to proof read my IRL letter as i'm thinking of using a wonga statement dated and going down the route of "you should of done the eligible checks, not affordable as other loan taken out etc etc"

 

Thanks again !

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several posts merged to one.

 

don't put specifics...

 

just do a general IRL complaint the same to each PDL company

simply put the relevant loan numbers in the title.

 

use the general things like your credit file already contained numerous defaults and missed/late payment markers

you already had numerous PDL with other lenders running.

they did not perform any affordability checks.

 

dx


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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Thanks for such a quick response. I will do a draft tomorrow before i send them off. If you wouldn't mind proof reading it and pointing out anything i could add or take off i would be really grateful , i am already very grateful for the advice so far, thanks for being alive, thanks for being you. As i a named CosmicDancer i would like to name you Cosmic Angel !

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I managed to get some sleep. I do struggle as these debts have started keeping me awake at night again!

 

Yes the QQ balance is £27.65 but it's because i paid £36.50 a month for 6+ months and a lot of that payment was interest alone. So i don't think i have had any IRL refund.

 

Thanks again for the response ! You truely are a hero

 

As for Lantern collecting for QQ , last email was May 2018 offering a 50% discount to pay £13.83 over 2 months to clear it.

 

I think they have stopped chasing me for that one though and i think the £262 is a completely different debt ( another payday loan company though ) But i can't for the life of me remember which one it could of been. Maybe MyJar?

 

I've found out that LANTERN could be Motormile Finance LTD although on my credit report it's listed as Advance against income. This was for a missed car insurance payment in 2015 or 2016 so am i right in sending them a CCA request ?

 

Sorry to post again!

 

Please delete the post above.

 

I've now found out that Motormile is a DCA and they were collecting for Mr Lender PDL a PDL i had well forgotten about. I have around 11 emails from them with 50-60% discount settement offers before selling the debt onto Lantern.

 

Thanks again and sorry i have tried to edit post above but i edited it in the past 5 minutes.. I am still getting used to the forums.

 

Thanks all!

 

I have also found out i taken out a MR lender loan & a 24/7moneybox loan within 3 days of eachother. It's amazing what you can dig up going through old emails!

 

24/7 moneybox orig loan amount: £150

sold to --> Active securities collecting for: £442

 

MR lender loan amount: £120

sold to --> Lantern collecting for: £262

Edited by dx100uk
merge

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lantern is new name for mmf, they don't chase debt for others they are debt buyers. and a dca

don't worry about the missed ins payment debt...later!

 

just get IRL complaints off to every ORIGINAL LENDER that gave you PDL's.


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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I also found this on my credit report under closed accounts.

 

Instant Cash Loans LTD T/A The Money Shop

£ 0

26/01/2017

Satisfied

Jd Williams Ta Jacamo

£ 0

20/04/2016

Settled

Mr Lender

£ 0

01/08/2014

Settled

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an original creditor will always £0 the balance and show settled when they sell it on.

that's how it works.

 

then the A/c will appear under the debt buyers or DCA's name, and the balance will be what is owed [plus any unicorn food tax they tend to addon]

and with a defaulted date set by the OC when they sold it or before.

 

dx


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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