Jump to content


  • Tweets

  • Posts

    • yes only court...   can I confirm this was settled via Barclaycard and chargeback as it was a debit card, rather than section 75 via a creditcard?  
    • Hi   Sorry for the delay in getting back to you don't worry we have not forgot you.   So they have destroyed ALL DATA personal to you as you did not take the Property. (really they have put there foot in it)   If they hold no personal data then they have NO evidence of what was agreed to with your Holding Deposit and the refusal to return it.   Now if it was me I would let them drop themselves in it even further by responding to there SAR response.   Thank you for your SAR Response dated XX/XX/2019   Due to this response I require clarification of the following:   1. Have you followed the Data Protection Act 2018 & General Data Protection Regulations on Destroying My Personal Data?   2. If you have Destroyed All My Personal Data then what documentation do you hold that I have signed/agreed to the Holding Deposit being Non-Refundable and to provide copies of this documentation.   3. I require a copy of your Policy on Holding Deposits   Please bear in mind the above is what I would do.   I do think it is looking like you may have to go down the court route (make sure and have a good read of that link I previously gave you to the Tenants Fee Act).
    • HI   Firstly the parking in front of your drive, do you have a pavement with a Drop Kerb in front of your property to access your driveway, if so are they infringing on the Drop Kerb? (note your can ask the council to to paint a white line with lines at the end on the road in front of the drop kerb please note there may be a cost from the council to do so)   As for the CCTV look at this ICO link: https://ico.org.uk/your-data-matters/domestic-cctv-systems-guidance-for-people-using-cctv/   Due to the new DPA/GDPR if you have CCTV on your Property and it views outside of that Properties Bounderies they then need to register as a Data Controller with the ICO.   So I would make a Formal Complaint in writing to the Councils Data Controller, ICO (specifically asking if this individual is Registered with them as a Data Controller) & Police, you need to keep a good paper trail of this individuals actions.   I hope this individual knows the Law on Harassment as from your thread that is the impression I get is no matter what you do they will find something else to complaint about.  
    • Most guarantees are not transferable anyway to the new owner so why a solicitor should request it is pointless.The quotes should suffice to prove the work was carried out.   Andy
    • Apologies for the prolonged radio silence!   To cut a very long story short, I went back to Barclaycard (because I bought the car with my VISA card) and they offered to repair the car at a cost of £2500.   We accepted the offer because we were advised that even if we went to court and won the case, there was no guarantee that the dealer would give us our money back anyway or would end up paying us £10 a week for the next umpteen years.   The decision to have the car repaired was also made in the light of the fact that apart from the gearbox issue the rest of the car was in good nick. It is running fine after nearly 4 months now, so even if our friend gets a few more years out of it it will have been worth it.   Now that it is all settled I can reveal the name of the dealer - it was Thatcham Motor Company, in Thatcham, Berks. Very pleasant to deal with at first whilst everything was ok but boy oh boy, beware if anything goes wrong!   Similarly Momentum Warranties who provided the 6 months "warranty". On paper this warranty apparently covers practically every conceivable fault that the car might develop until you try to make a claim!   It seems that only if a component physically breaks that any cover is provided, otherwise they will hide behind the "fair wear and tear" get-out clause. Can an ECU unit be subject to wear and tear?   I would not touch either of these outfits again with the proverbial barge pole. Buyer beware!   One further thing I forgot to mention. We ran up considerable expenses trying to sort all the issues - the engineer's reports, travel costs etc.   Is it too late to try to claim these back from the dealer now? I just ran out of energy by the time Barclaycard agreed to pay for the repair but now the dust has settled I am up for it again!   Would this have to be done via the Small Claims Court?
  • Our picks

fkofilee

Instant Cash Loans / Money Shop - Wind Up / Creditors / IRL Info

Recommended Posts

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

Share this post


Link to post
Share on other sites

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. 

 

Share this post


Link to post
Share on other sites

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."


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

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

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? 

 

 

Share this post


Link to post
Share on other sites
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. 

Share this post


Link to post
Share on other sites

 

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,

Share this post


Link to post
Share on other sites

Is it worth going to FOS ?

Share this post


Link to post
Share on other sites

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... 

Share this post


Link to post
Share on other sites

Thanks - fko just got the email this afternoon 👍

Share this post


Link to post
Share on other sites

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?

Share this post


Link to post
Share on other sites

Best to create your own topic please


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

spreadsheets 

 

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...