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    • you didn't pay lidls the speculative invoice charge of £45.   the only connection to them is their head office signed their region up to have their local stores car parks managed by the scammers because they had been duped into thinking people that abuse their car parks cost the region xxx in lost shopping revenue because another shopper could have used it.   they never see any of the money these bandits gleam from people paying a speculative invoice off ever and annually get ripped off by paying the fleecers £10'000 each year to give them permission to manage their carparks. anyone that pays the money goes directly into the parking fleecers pockets.   however i understand you are new and green but part of a forum is also self help which relates to my comment about where did you ever get the idea to pay them from...certainly not here.   so lidls wont be doing and can't do anything further, they certain wont be interested in instructing their fleecers to refund you and can't and most certainly won't refund you themselves.   go do a chargeback   dx              
    • OK,  I have not claimed anyone told us to pay in this forum.   As grown up adults we made this decision. I am sharing our experience in case it benefits anyone.    Our approach to this is if Lidl didn't help at the end we would take our shopping elsewhere and the so called reduced charge of £45 paid would be the end of the story, even if is unfair.    As I mentioned Lidl cust. service already emailed us to confirm that they have contacted Athena to cancel the charge, I'll first follow up with Lidl. If not resolved will resort to chargeback.  
    • no one ever said PAY THEM, you never ever do that.   if you paid by debit card go get it back by a chargeback to your issuing bank.      
    • The head of the Confederation of British Industry urges a "spirit of compromise" as trade talks resume. View the full article
    • Hi All,   My partner received a response from Lidl after another 3 days in which they explain the reason for their car parking system etc. but to summarize they conclude to cancel the parking charge with the below paragraph;   "In light of your comments, on this occasion only, I have requested that the parking charge is cancelled. Athena will confirm the cancellation in writing in due course."   As the £45 was going up to £90 the day before the email above actually reached us,  we actually sent the payment of £45 to Athena to remove the risk of that, but with the above conclusion we will follow up to get a refund.    Meanwhile we did our first big shopping with the car from Aldi in the local area instead of Lidl for the first time in 2+ years. As Aldi shares the car park with Matalan store in our area their car park period is 3hrs free of charge, which removes the stress of timing your shopping.   I think the supermarkets are shooting themselves in the foot with these types of measures when they use 90mins or such short periods as a time limit.   I'll post an update how the refund chase goes and how long it takes.    Thanks.
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    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
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      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
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Instant Cash Loans / Money Shop - Wind Up / Creditors / IRL Info


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And another PDL Firm hits the dust. 

 

The Money Shop has announced that stores will be closing and the Business will be be facing massive layoffs. 

If you have a IRR Lending Complaint open then the chances of it being paid out have just decreased massively. 

 

Quote

Exclusive: Hundreds of jobs at risk as payday lender The Money Shop goes under following 'unprecedented number of customer complaints'

ICL, which trades as The Money Shop, has told staff of plans to cease trading

  • It has launched a mass redundancy process with its 427 employees
  • ICL will seek to shut or sell off its 100-or-so UK stores 

 

https://www.thisismoney.co.uk/money/markets/article-7166393/Hundreds-jobs-risk-payday-lender-Money-Shop-shuts-shop.html

https://www.ft.com/content/50139102-941b-11e9-b7ea-60e35ef678d2

 

Credit - Daily Mail / TIS 

Credit - Financial Times

 

  • Thanks 1

 

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**Fko-Filee**

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It's becoming more common, no doubt they will sell their loan book just before going into administration, like oakam, wagedayadvance and the rest.

 

Possibly leaving consumers with no recourse against the sold accounts. 

 

The FOS have decided in some past complaints that redress should be set off against accounts that have been sold. 

 

It should work the other way too.

 

Consumers should be able to bring forward complaints for accounts which have been sold, if they can't complain directly to the original lender. 

 

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You could challenge this under section Section 82 Consumer Credit Act 1974 the European Union Directive Assignment of Rights.

 

16.5 The definition of "creditor" in section 189 of the CCA applies to this requirement on assignment of rights. This means that when an assignee purchases debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information). The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party."

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See I was once told by a DCA in my younger CAG Years that they do not have any responsibility for anything the OC did - Only that they purchase the debt and they can do what they please? 

Even if the company has gone under? 

 

Am i getting this mixed up here? 

They also claim they purchase the account in "Good Faith" but then play blind when problems are bought up? Ie IRR Lending? 

 

 

 

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**Fko-Filee**

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You was told by  a DCA......I rest my case. :becky:

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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On 23/06/2019 at 15:14, Andyorch said:

You could challenge this under section Section 82 Consumer Credit Act 1974 the European Union Directive Assignment of Rights.

 

16.5 The definition of "creditor" in section 189 of the CCA applies to this requirement on assignment of rights. This means that when an assignee purchases debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information). The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party."

Thanks for this information. 

 

I lodged an IRL complaint with a debt buyer last week for an account they bought.

 

If they come back and say its nowt to do with them, I will definitely ask the FOS to look at it.

 

With the info you've posted and the approach the FOS take now, setting off redress against sold accounts, I think there's a good case for them to look at it. 

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  • 1 month later...
  • 2 weeks later...

 

I've just recieved this by email :

 

I am sorry for the delay in replying to your complaint. 11 August 2019

 

We have written to you separately to explain that Instant Cash Loans Ltd[/The Money Shop] is planning to go into a Scheme of Arrangement, which wil set a process for considering and, where appropriate, paying claims such as yours.

 

It would not be fair to consider some customers’ claims before the Scheme and others in the Scheme, as the outcomes may be different, so we are not able to make any new offers before the Scheme.

 

The Scheme, if customers vote for it, and the court gives its approval, is expected to come into force in October 2019.

We wil register your complaint in the Scheme, though we may have to write to you to request further information.

We wil do that through a Scheme Portal we are setting up, and you wil receive log in details for that site soon.

 

You wil receive an update from us after the Scheme is effective te ling you what your redress offer is, though this may not be until the middle of 2020.

You wil receive your payment at the end of the Scheme, which is expected to be before the end of 2020.

This is because we have to consider everyone’s claim before we know what offers we can make.

 

The Financial Conduct Authority / regulations on complaints-handling gives a business eight weeks to respond to a complaint and, as this time has passed, this means you have the right to refer your complaint to the Financial Ombudsman Service, free of charge.

 

However, because we are proposing the Scheme, we understand the Ombudsman Service is unlikely to look at individual complaints until they know whether the Scheme is approved. If it is, they may dismiss any complaints and ask the customer to go through the Scheme process instead.

 

You can find out more information on its website at www.financial-ombudsman.org.uk.

The Ombudsman also might not be able to consider your complaint if:

* What you are complaining about happened more than six years ago; and * You are complaining more than three years after you realised (or should have realised) that there was a problem.

 

If this is the case and the Ombudsman agrees with us, they wil not have our permission to consider your complaint and so wil only be able to do so in very limited circumstances.

 

For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances.

 

A leaflet from the Financial Ombudsman Service is enclosed for your information and you can visit their website at www.financialombudsman.org.uk.

 

Should you wish to contact me with any further information or queries regarding this issue, please either telephone or email us using the details below and quoting the reference number above. Our telephone opening hours are from 9am to 5pm Monday to Friday. Yours faithfu ly,

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Update from ICL - This important;

 

ICL confirm that the High Court has agreed to the Redress program and its now up to the Creditors to decide if they want to go ahead. 

ICL have advised they will have a further £20 Mil at their disposal to settle PDL Claims. 

 

ICL - Invitation to Vote - Redress.pdf

 

Quote

Dear Victim

 

Please do not ignore this email as it is important and may require action from you.

 

Attached to this email is a document relating to the voting process for the Scheme of Arrangement being undertaken by The Money Shop, please read this document carefully and take the appropriate action required.

 

You will need your Reference Code: xxxx-xxxx to vote electronically on our website at https://www.themoneyshop.com/Voting

 

More information can be found on our website at https://www.themoneyshop.com/FAQs

Please do not reply directly to this email. If you have any questions after reviewing the document and the FAQs on our website, please email them to scheme@themoneyshop.co.uk quoting your unique Reference Code: xxxx-xxxx

 

Yours sincerely

 

The Money Shop

 

 

The scheme will not go ahead without enough votes so;

 

Make your vote count... 

Once the vote has concluded - More info will be posted here... 

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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  • fkofilee changed the title to Instant Cash Loans / Money Shop - Wind Up / Creditors / IRL Info
  • fkofilee pinned this topic
  • 1 month later...

What is the best course of action when I had a successful complaint against them through the FOS, reducing the amount I had to pay back but I head nothing from them until today saying it is with BW Legal now an advises me to contact them. Should I wait for them to contact me?

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Best to create your own topic please

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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  • 8 months later...

Latest Updates to the ICL Redress Scheme below.

 

Quote

 

Key Points To Takeaway

 

- No new claims can be submitted

- Massive extension of criteria means smaller amount payable

- £9 million of the £20 million assigned for Redress Claims is being allocated to costs currently

- Payments expected to be paid in April 2021

- Loan book still to be sold for approx £1 million to either a Debt Collector Or Existing Financial Short Term Lender

- Lender has had just under 200000 Claims (CTD Est 182,566)

-  It is believed that the Administrators will uphold 85% of Claims and Redress is expected to reach - £335.6 million.

 

- Lender Expected to pay as low as 3p per £ for Redress.

 

 

ICL Quarterly Report - June 2020.pdf

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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