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    • No they are not entitled to see payslips. Only if this ever went to Court and it was part of the Court process would this be required. So the information you provide needs to be accurate, in the remote possibility that your information is passed to a DCA who uses it in Court in the future.   Just enter all information onto your income/expenses sheet in Pounds Sterling.        
    • Hi, I am drafting the pro-rata letters and putting a income expenditure sheet together. One question, as I am overseas the expenditure currency is different to the debts. Are they entitled to see pay slips (also in anther currency which isnt indicated on the slips)?
    • I am investigating him still, but have this information so far: Junaid Sajad  Home address - 101 Vibart Road B26 2AB  or  165 Kelynmead Road B33 8LF - this last one was an address that he gave last night when I got a friend to pretend to want to view a car. He’s certainly a slippery devil!
    • I thought I would try one more time before I give up on the site. The forms I need to fill in will not download for me so I can’t fill them in,,,is there any other way to do this.
    • Volvo is only going to sell electric cars by 2030, the Swedish firm says. View the full article
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

35 Payday Loans - Irresponsible lending claims on ALL

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Hi Guys


So a number of weeks ago I began the process of opening IRL claims on 35 payday loans. 


15 of the loans are ongoing, with monthly credit commitments standing at around £2k per month. 


I have so far written and sent letters of complaint on these 15 loans (to 10 different companies). 


I have outline drafts for the other 20, although the structure is largely the same. 


I have run out of momentum in a big way but having had a short break with my young family I am getting back on the case. I have begun to receive replies from the Companies in question, none of which have been favourable thus far. I have also not spoken with and come to an arrangement on a payment plan for a handful, which is adding to the stress and impact on my mental health. 


My intention with this topic is to try to lay out in as concise a way as possible the history of these loans, the key figures involved and also an example of the letters that I have sent thus far. 


From there I will share the responses that I receive and further action thereafter. 


I am unsure on a number of issues if I am honest. I do not think that I provided anywhere near enough evidence in my letters, which is probably going to lead to a string of rejections. I can not afford to repay the loans under the initial terms and in any case I have no intention of repaying a single penny over the loan capital. 


I am concerned about the effect that this will have on my credit file, the security of my mortgaged house, the prospect of bailiffs etc. should I run into problems while waiting for The Financial Ombudsman


I feel it is therefore in my favour that I have not yet sent the other 20 letters, which request a refund of interest totalling nearly £4k, as I expect to have a much stronger case within a couple of weeks. 


I am off to search the forum as I recall seeing a post about Etiquette when posting files, and I will have quite a few to upload. First being a spreadsheet which I hope will give a clear understanding of all of this. 


Most of all I am hoping that, by the end of this process, my journey will give even a single person the means and hope to get themselves out of a similar position. 


Thanks for reading.





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make a new topic for each company.

scan up to PDF their full responce


that way we wont be getting your knickers in a twist


most likely scenario will be straight off to the FOS if they've sent their final response

don't forget very few will ever cough they did wrong at the 1st try

use this thread for general info concerning all of them

  • Thanks 1

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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Great thanks dx, good advice. I have had a few letters back so I will try to post later this evening. The one from Cash4UNow was a disgrace. 


My favourite part is


'Your complaint makes reference to your circumstances in October 2017; this is not relevant as this was 19 months prior 
to your loan being funded in May 2019, you may have experienced some personal and financial issues and we are 
sympathetic to the personal circumstances that you may have been facing at the time, however 19 months is ample time 
for your personal and financial circumstances to improve.'


Surely that type of comment at the end would be frowned upon by any reasonable adjudicator? 

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Yeah I gave each lender the number of concurrent loans, loans taken in 30 days prior and loans taken in 90 days prior. 


All the ones that haven't lent to me before are coming back to say that a recent response by the FoS has told them that they can rely on borrower disclosures on income and expenditure on the early loan cycles. 


Does anyone know anything about this? I lied on some applications. 


The other defence I'm seeing is that Transunion credit reports (lenders version) does not schedule individual loans and contractual payments and so they had no way to know that I had such large shoes term credit commitments. 

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trying to put up smoke and mirrors me thinks

off to the fos time

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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