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    • Yeah super happy and grateful for that, they easily could've prosecuted for fraud.    And I sent a pleading letter when they first asked me to plead my case but no I haven't gotten in contact with them since I received the summons on Friday. I don't even know if I should try tbh, I don't think it's going to go anywhere but obviously, I do not want a criminal record in the slightest so I am going to try calling and speaking to the prosecutor on the day.   In the meantime, I will attend court in person. When it comes to payment, do you have any idea of how that works dx? Do I pay on the day at the actual courthouse with my bank card or do I pay online?    Oh also, the oyster was used for 128 uses. So, my chances are just that much slimmer lol
    • It is the speeding matter which will cause you the most trouble.   If you have been "flashed" a Notice of Intended Prosecution (NIP) and a request for you to provide driver's details will be sent to your old address. If you fail to respond to the request  you will be prosecuted for failure to do so. A conviction for that offence carries a hefty fine, six points and an endorsement code that will see your insurance costs go through the roof for the next five years.   You need to either get access to the post at your old address or contact the police in the area you believe you were flashed. How long ago do you believe you were flashed? 
    • Fair enough. I've got everything here, belt and braces  so I'll send the lot in.   Thanks again.
    • What this could be is someone living in your area, wanted to get an online quote, without giving their true name and address. This is so they get an idea of the premium, without the Insurers holding onto their details.   There are also market research companies and Insurers rating analysts that apply for quotes, based on made up names/addresses. An Insurance company I worked would receive dozens of returned post on a daily basis, where we found that quotes had been obtained using false details. On the envelopes it would be noted, that Mr G Raffe or Mr M Mouse has never lived at the address.
    • Shame but thanks Andyorch and everyone for the advise.. appreciated muchly..   Hadituptohere 
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 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
    • 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
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      • 0 replies
rintyrad

Old quick quid debt 2012 now with PRA

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I had a quickquid loan back in 2012 didn’t end up paying it back. It doesn’t show on my credit file. Quickquid sold it in 2013.

 

It’s currently with PRA group who chase me for it sometimes.

 

Now I was on a payment plan with payplan with last payment being in July 14. I asked payplan for records of who I was paying and I cant see anyone listed as quick quid theres one on there called Mackenzie Hall and cash window there the only ones I cant remember or are not sure who I might have been paying,

 

I’m worried PRA might go to court before this is potentially stat barred(if I did make a payment in July 14)

 

Do you think I should do anything, my last payment to quickquid would have been in 2012 so its stat barred if that’s the case, it’s just whether I did pay anything with payplan and it’s gone to a random debt collected.

 

Do you think I should be proactive and get an IRL complaint in or not do anything?

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Forgot to say if i get an IRL complaint in i assume that would reset the stat barred clock

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any help guys

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can anyone help please?

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Quickquid trade under Casheuronets and Mackexnzie Hall would have been the DCA for your loan.

 

Sadly if you were paying payplan for this debt, the limitations would run from the date you last made a payment to payplan, so it would be from July 2014.

 

If you make an IRL claim it shouldn't reset anything unless I'm mistaken, unless it resets the clock by acknowledging the debt. Either way it's got to be easier to make an IRL claim, potentially get some defaults removed and wipe a big chunk of the debt out. At that point you should be able to challenge the enforceability of the debt if it ever went anywhere.

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all i have had from PRA is a statement of account recently. i believe they leave me voicemails occasionally but i've got them blocked. if quick quid decide it was irresponsible i guess they could end up buying the debt back and then i have to pay it.

 

is it worth not doing anything for the time being or shall i get the irl complaint in>?

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