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    • So what time did you buy the permit and what time did you arrive at the barrier where this happened??
    • Have they referred to a judgment in  Dubai? If not dont request it.   They are not interested what your financial circumstances are...so do not disclose them.
    • Images posted directly to post removed Multipage pdf only please Read upload
    • Thanks guys. So using the form that you have provided...   I am ticking box C to say that I dont know whether I owe the debt, box G to say that I am seeking legal advice and Box I asking for copies of the credit agreement, full summary of account detailing all interest and charges, details of the interest calculation, details of the administration charges, a copy of the notice of assignment and a copy of the judgement obtained in Dubai? Does all that sound right?   I was thinking that it might be in my interests to show them my income/expenditure as they will see that I am a single mum, working part-time and receiving benefits?
    • We have looked at the ticket options for the exact time travelled.   it is not possible to buy an on peak ticket at the time I left the departure station   There is no option   There is only one option.  The cheaper fare.  that is all I knew!!  The cheap fare.   So when I arrive and they detain me, threaten me with fines and force me to pay the higher 50% more fare. I found that very stressful as I suffer from anxiety anyway. I also would have had to pay a fine if I did not have enough cash in my pocket. (I found later that I needed my cash in town)   The box office confirmed they were overcharging at the turn-styles.   I walk back and tell them they over charged me again.   The ' turn-style crew '  agree to a refund , without checking. Thats odd isnt it !  They didn't need to check or to confirm. They knew I was entitled and agree to a refund.   Why did they not say.  "well, we need to check that first!!"  And if they can check. why did they not check before?    Then I complain that a refund is not adequate by itself to prevent this from happening again,  Yet....   Although a refund is imminent as they agreed. The supervisor again tries to blame me for not buying the ticket at the departure station.  Even though I had a permit to travel.   So, i hope you see what I am saying here? Do you see how hardcore they are to pass blame and fine people!!  Who trained these people?  Am I really expected to complain to the same company who oversees this nonsense?   He then again lied, yes again, trying to inspire fear for a fine. Claiming I missed my first chance to buy and said that the permit machine is always on, that it is irrelevant and useless and that I should have paid at the touch screen ticket computer, that it takes cash ( this is wrong!!). (Previously he had smirked saying it is his home station that he uses it all the time). I said that it was not true, that  i could not pay in full and it is not my fault, he said it was my fault and when he could not lie any more, without warning, had me thrown out the station by security with no refund and I was told I could not even catch my train home!!!   Amazing!    They did everything to fob me off to overcharge me.  There is no cash facility at my home station, only the faulty permit ticket machine that seems to only take one type of coin,  that thankfully.......thankfully I had that particular coin, by chance, as the pound coins would not work..they were spat out. Else I would have been in serious serious trouble with these people. There are much higher fines without a permit to travel.   (Important side note regards the elderly. As an adult with reasonably strong hands, even I find it ' very hard '  to remove the permit ticket made of thick card, it is very tough to do. How do elderly people remove the ticket or even a child? I really cannot see that happening. It really is that bad at my station)   regards to a question above, I am not sure what a z ticket is, I have an M on mine.?   We have read the code of conduct and there are multiple references to the staff helping people get the right ticket. and considering there was only one ticket for a return that day, that should not have been a hard thing to do, at all.   Yet they have a button they can press to over charge  Who programmed that into their machine and told them to press it?   Thank you for reading.  
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kkatiew

Irresponsible Lending PDE/Money Shop

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Hi all,

 

I sent my complaint letter regarding irresponsible lending to The Money Shop a couple of weeks ago relating to a number of loans from Pay Day Express.

 

I have today received the attached - Can anyone explain what it actually means ?

 

 

 

 

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please don't post images directly to a post

use PDF.

put them all in one multipage PDF please

read upload

 

dx

 


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Posted (edited)

Hi,

 

Sorry, I was working off my mobile  but managed to do it (now attached).

 

Just wondered what next ?  Is this a standard response from them ?

 

Thanks

 

Katie

ICL - Practice Statement Letter.pdf

Edited by kkatiew

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its means you gotta await the court hearing listed

then you might get a vote to enrol on a scheme whereby you might get 'something' back.

bottom line is they've gone bust

the liquidators see little assets to shareout.

and want to spread them as thinly as possible.

 

same as what happened with the CPP PPI debacle.

£100's in you get pennies out.


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Yep, I thought as much 😮

I actually have £137 left to pay to BW Legal, which I'm paying at £60 per month.  I've already paid £690 up to now. Do I carry on with my payments ?

 

Thanks

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why are you blindly paying a DCA's Wolf?

did they take you to court?

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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No, I couldn't meet payments at one time and it was eventually sent to Prac Financial then BW Legal.

 

I set up a payment plan with them.

 

It's the same with Swift Sterling/Northway Financial - I owe them £827.

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no the debts were sold not passed.

means the OC's knew they were toxic.

 

again how did you get conned into paying these two?

not over the phone I hope and when?
 

 

 


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Posted (edited)

Well both, letter started then phone calls.  I think I emailed in the end and agreed a payment amount in October 2017.

Edited by kkatiew

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threads merged

 

why did you do that without consulting us here

both debts? are subject to IRL complaints and in serious dispute

you shouldn't be paying anyone anything.

 

dx

 

 


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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

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I'll be honest, I didn't even think about it. I was just focused on getting things paid off.

 

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So my next installments are due end of next week to MDRL and BW Legal. I'll stop paying?

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certainly BW legal yes.

if they complain the send we'll do a letter for them.

 

MDRL?


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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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Moorcroft Debt Recovery 

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who are their stated clients

Moorcroft don't buy debts only chase.

 

dx

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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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'll check in the morning and confirm.

 

Thanks

 

Katie 

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Yep, sorry both with BW Legal. It's my Lloyd's overdraft debt that I pay to Moorcroft.

 

Thanks

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Wow....

 

1 These companies have also traded as Cash Til Payday, Pay Advance, Payday Control, Fast Forward Loans, Payday Tomorrow, Payday Solutions, Wage Advance, Which Payday Loan, Payday Express, Loan Solutions UK, Payday Finance, www.paydayloansblog.co.uk, Wages Today, Express, Payday 22, Payday 29, Payday 36, Your Pay Today, Flexible Payday, Payday Manager, Money Bridge, Loan Lounge, Payday UK, Month End Money, MEM Advisors, PDUK, Payday Now, KW and Co, Three Month Loan, Keyes Whitlock & Company, My Payday Loan, The Payday Store, Ladder Finance, Ladder Credit, Ladder Loans, Kyzoo, Kyzoo Clear, Kyzoo Ultra, Kyzoo Classic, Kyzoo Flexi, Kyzoo Platinum, Kyzoo Vintage, Ladder, Ladrloan, Kyzoo Control, Kyzoo Black and Ladder Loans Lite.

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Thanks Fk 👍Well I've only got 3 more payments left for BW on 1 debt and its showing a default on my credit file even though ive paid every month so I'll continue with that one and bring the other one down to a minimum 👌🏻

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who are moorcrofts client LLoyds??

 

 


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 

 

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Yes I'm.paying my Lloyd's overdraft to Moorcroft as it was passed to them after I was late with a payment about 8 months ago.

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how many more debts that you are skinting yourself are you paying.??

pay lloyds directly via bacs transfer a smaller amount 

never pay a dca whereby their client is the OC not another dca.


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 

 

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That's the lot. Can I actually just pay by BACs then ? I would rather do that tbh.

 

Thanks 👍

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