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    • I agree that what you describe is not a "salary sacrifice".  It may be that your employer has heard of the term and mistakenly thought it applied here.   It seems to me that you and your colleagues (who weren't furloghed) simply agreed to be paid less because of the current Covid circumstances.   What do you actually mean by:  "... and full payment would be returned this December"?  What did you actually agree to?  You obviously think it means that in December you would get backdated arrears of the 20% you had previously foregone, but it could equally mean that they would just start paying your full salary again, and the 20% you weren't paid has gone forever.   (PS - I notice in a couple of other posts you mention: "... that it would be paid back in full in December this year..."  I'm afraid that is still not necessarily the same as your employer agreeing to pay arrears.  What is the exact wording of what you have agreed to?  Not what you think it says - what it actually says.)   Depending on (1) what your contract of employment says about your wage/salary and (2) what you actually agreed to in terms of a wage/salary reduction, then you are entitled to be paid whatever has been agreed.   But if your employer simply can't afford to pay you because of Covid etc, then they can't afford to pay you with money they don't have.   Are you in a union?
    • We've not heard anything from CCBC or LC Asset following initial acknowledgement of defence from CCBC on 23 Sept 2020 and now being beyond the 28 days notice we're wondering what's next. Presumably CCBC will dismiss or stay the claim?
    • Thank you so much again Andy. I will be donating as soon as able. 
    • I took my car to Nissan Canterbury have some work done (including tracking and wheel alignment).  They took it to a tyre garage for the alignment, and there they could not get the ignition key to work. Nissan had another key made that didn't work, then had the lock taken off and sent to a locksmith who said the insides had disintegrated.  They now want to charge me £350+ for the repair. I have never had so much as a wiggle with the ignition lock, but they say apparently it can just happen at any time and they are not responsible.  All I know is that I took a working car to them, and now it does not work. Any advice on my options?
    • Thanks.   I've seen exhibit cover sheets mentioned on a few other threads - what do they need to include? Is it just a separator page before each exhibit itself with the exhibit number on it? Does it include the "title" of the exhibit too?
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Hello

 

I'm about to start multiple claims for PDLs due to irresponsible lending.

 

My first step is to gather all data on loans taken out, amounts, interest, repayments, etc. which I will do by raising a Access Request with each creditor (or administrator). Is this the correct first step?

 

I've had loans with each of the 'brands' listed below, and have attempted to gather contact details where possible...

 

Brand Owned by (today) Contact Contact (alternative)
Payday UK Instant Cash Loans (ICL) account.services@themoneyshop.co.uk  
Payday Express Instant Cash Loans (ICL) account.services@themoneyshop.co.uk  
Sunny Elevate Credit help@sunny.co.uk jpsavant@uk.thinkfinance.com
QuickQuid Casheuronet LLC complaint@quickquid.co.uk cford@casheuronetuk.co.uk
Wonga Wonga (administrators) customercomplaints@wonga.com  
Mr Lender PDL FINANCE LIMITED complaints@mrlender.co.uk adam.shinebroom@mrlender.co.uk
PiggyBank DJS (UK) Limited complaints@piggy-bank.co.uk dan.ware@djslimited.co.uk
WageDayAdvance Ltd SRC Transatlantic Limited complaints@wagedayadvance.co.uk philip.anderson@wagedayadvance.co.uk
Peachy Cash On Go Limited info@peachy.co.uk kristjan.novitski@cashongo.co.uk
Lending Stream UK Lending Stream LLC complaints@lendingstream.co.uk  
FLM Financial Processing UK Ltd marc.biles@flmloans.co.uk  
Cash Genie Ariste Holding Limited customerredress@cashgenie.co.uk  
Pounds to Pocket CashEuroNetUK, LLC complaint@quickquid.co.uk cford@casheuronetuk.co.uk
Satsuma Loans Provident Financial Services onlinecustomercare@satsuma-loans.co.uk peter.crook@providentfinancial.com
Micro Lend UK WPPL Ltd ?  
Cash Bob LTD ? ?  
Microcredit Ltd ? ?  
Txtloan ? ?  

 

Can anyone please advise regarding...

 

(A) The companies with missing info - does anyone know where I can find these?

 

(B) Do any of these companies have the wrong contact details?

 

(C) Are any of these companies completely out of business and all funds exhausted, i.e. not worth contacting?

 

Many thanks

Edited by SO85
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do NOT use email.

 

not sure if this list is updated

 

don't forget the FCA register too

 

dx

 

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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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Micro Lend UK WPPL Ltd ? https://www.fca.org.uk/news/press-releases/fca-cancels-payday-lenders-interim-permission-bans-director-and-refuses  (Cough) Wont happen
Cash Bob LTD ? ? - Unknwon
Microcredit Ltd ? ? Closed Down and nobody can claim
Txtloan ? ? Became MyJar - Still around. 
  • Thanks 1

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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