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    • just to clarify my point look at page 5 the right hand side black line to the right of the sig box is missing that sig info has clearly been copied and pasted by lowells on to that set of t&c's and if you look at other vanquis card CCA returns here on cag for that same set of T&C there has never been that box there anyway   Exhibit_NA1_(1).pdf
    • > they keep piling on charges and CRS are now chasing me for over £100. My membership was/is £9.99 a month. > So....am I at fault? Do I need to pay? You are not at fault. It is entirely their fault for making this whole process so difficult, and I'd love to seem them argue otherwise against any British judge. Have you ever met any other company who makes it this difficult to cancel a subscription? Probably not! Because it's a (sort of) legal grey-area. You owe them nothing. In what world does it make sense to charge a customer £90 for cancelling their (£9.99/mo) membership less than a month early? What other reputable company would do this? Nobody. This is not legally enforceable!     X4L/Harlands/CRS/Zinc are all part of the same group, and they all have absolutely zero legal power over you. They are not bailiffs. Nothing will happen to your credit and nobody will show up at your door. They will never dare take you to court, because they know that they stand no chance, but they might try to scare you. Pay no attention to this. You might get a few annoying emails/texts/phone calls, but do not answer nor reply to any of these - if you do, you're just giving them more to feed on. These people prey on vulnerable people who get fooled into thinking they're in the wrong. Ignore any and all communication with these scumbags.   Feel free to check out similar threads from 2010-2016 about X4L/Harlands/CRS/Zinc on this forum, you'll notice that every OP stopped replying after so long because these cowboys gave up on trying to steal money from them after they realised that they wouldn't budge. Their whole business is based on stealing money from innocent people. You'll be fine! Good luck. Keep us updated!    
    • looks like you still paid for ppi. {£236.03}   unravelling the crap in the letter it looks like your can make a PPI reclaim directly to welcome even though they were not GISC regulated, they are saying the underwriters were, but they cant say whom they were, but from other threads here it should be easy to work that out if needs be    so you had a loan of £2269.44 of which 236.03 was PPI   so ppi/loan*100=ppi%   236.03/2269.44*100=10.4%   so anything you paid 10.4% of it was for ppi so statint sheet time      
    • bang shot yourself in the foot why did you mention PPI in the sar request?  
    • Thank you for your response Eric's Brother. I have been out of the country and was told about this on my return. It is not clear yet whether the Company have paid this PCN. They have a flawed policy of paying these and asking questions later, even deducting the money from the employees wages if they don't get a response from the employee within a certain time limit. They couldn't have got a response from my daughter as she too was away on holiday which is why she lent her car to my son. I'm not sure this policy is legal ?. Anyway, I'm getting sketchy information in dribs and drabs. My son was visiting Wrexham for a one off event so is unable to get pictures of the car park signage or the ticket machine. I will get the image supplied by Parking Eye and post it up on here. Sorry for the incomplete information so far, but that's what I'm getting. Kids eh ?...no sense of urgency.
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PowderedFlour

Wescot letter on behalf of Paypal

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Hello,

I have received a letter from Wescot on behalf of Paypal seeking to collect £4k.
This is in relation to a Paypal Working Capital Loan a few years ago that could not be paid off due to my eBay account being restricted. 

This loan hasn’t been paid for a few years now and a previous debt collection agency sent me a letter about collection on behalf of Paypal in 2016 and I sent them a long one page letter that Faljay from another forum made me letter back saying: 

 

I DO NOT RECOGNIZE OR ACKNOWLEDGE ANY DEBT TO YOUR CLIENT OR YOUR COMPANY IN ANY WAY SHAPE OR FORM

THIS IS A VALID DISPUTE AND MUST BE TREATED AS SUCH UNDER THE FCA REGULATIONS

 

The above is only one little piece from the letter. It was successful and the debt collection agency replied to it basically saying we want nothing to do with your case.

I haven’t been contacted since from them or Paypal. It is only recently when I have now received a letter from Wescot asking for the money on behalf of their client Paypal.

 

Do I sent them the letter the again to Wescot and hope that they also go away? Or do I try a different approach? 

I remember that on Paypal Working Capital Loan that it stated that it is not Consumer Credit Act 1974 regulated, does this have any negative affect on my situation?

Thank you in advance.

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Nothing anyone can do to you

PP dont do court anyway

wetcloths like any dca are not BAILIFFS

and have

ZERO legal powers

 

was this a signed agreement regulated by the consumer credit act?


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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Hi,

 

I remember agreement via electronic signature. Basically I clicked a box and it said that is classed a signature. It states Paypals’s Working Capital agreement is not regulated by the Consumer Credit Act 1974. What does this mean for me?

 

I am not sure long term where this is going to go? Do I send the one page letter that I used a few years ago with success, to the current debt collection agency disputing the debt as shown in my original post? Hopefully they go away and back to their client..

 

But what will Paypal do? Keep employing DCA’s?

 

 

Thanks again

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Ignore

Stuff all anyone can do to you

 

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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I would love to ignore it but wanted more clarity on the situation.

Do you know what it means for me if the agreement was not CCA1974 regulated?

Is this in my favour or not in my favour?

 

I really don’t know what Paypal will do if I managed to turn away the 2nd collection agency they have sent to me?

They won’t ignore 4k of their money surely? 

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well they will and they do.

 

PP chose to move to luxy to avoid UK tax laws 

that's their hard luck

 

their business model encompasses such losses.

its how they work.

 

nothing anyone can do to you least of all a stupid DCA

as outlined in my 1st post.

 

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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So do you think if I send Wescot the letter that I do not recognise the debt and dispute it and want proof of the debt to Wescot they will go away like the other collection agency did 3 years ago, and in another 3 years it will be 6 years since payment the debt will become statute barred? And then it will be forgotten?

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no I didn't say that.

what part of ignore are you not understanding?


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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