Jump to content

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Hi   With a SAR all you have to do is ask for 'ALL DATA' (this way it does not matter what format they hold that data whether it be digital, email, telephone calls (recorded), written etc).   They then have 30 Days to comply once they have acknowledged your SAR Request (that is unless they require ID Verification) which the 30 Days time limit does not start until they have verified your ID if requested)   Also can I add in DHL response in post#36 I hate it when any Company/Business etc. has the nerve to use the get out clause of 'Human Error'.    This is not the case as it was 'Maladministration' by DHL' not 'Human Error' as stated to you, irrespective of who/which employee of DHL made the 'Human Error' the buck stops with DHL as who/which employee made that error was Employed by DHL.
    • pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked   goto the defence filing section  file the following:     1 The Claimant's claim was issued on (insert date).  2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980.  . If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant. .  3 The Claimant's claim to be entitled to payment of £[insert figure from their POC]  or any other sum, or relief of any kind is denied. .. ..ends..   dx          
    • I passed on the article and link to friend. Between us we will now try get the required info to the correct location so that they (whoever in the Govt) can sort out what he is owed. I will keep you updated.  This thread may help others in similar situations. Ethel Street - very helpful research.  Thank you.  Seems like you came up trumps!
    • numerous erudio/drydens claimform threads here already - use our search top right.   your appears to be statute barred as you've never heard of erudio so would not have deferred since your last direct deferment to SLC in 2013    if you wish to bother to even send CCA/CPR that's upto you but the bottom line is to erudio you've ignored everything to date yoy might also ignore a claimform.   but ofcourse you are not!!   if the above is true   pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked   goto the defence filing section  file the following: 1 The Claimant's claim was issued on (insert date).  2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980.  . If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant. .  3 The Claimant's claim to be entitled to payment of £[insert figure from their POC]  or any other sum, or relief of any kind is denied. .. ..ends..   dx      
    • Well I would want my £50 back also but hey ho if your satisfied its been resolved.....there was no way you could ever be liable anyway as your contract was with TC not RC.   Thread title updated.   Andy
  • Our picks

johealey

PDL Cashfloat / Wester Circle - Default Notice being Threatened

Recommended Posts

Hi

 

A friend of mine took out a loan with Cashfloat/Western Circle for £300 in September and was due to make the first payment in October. 

She didn't make this payment and when I told her about this wonderful site she hit them with an IRL claim

- they have already added some £155 in interest and charges  to date.

 

She is constantly receiving text messages about making a payment when there is an outstanding complaint against them. 

She has offered £10 a month and all charges and interest to be frozen but as the letter was sent at the end of October they have 8 weeks to respond.

 

Today she has received a text message threatening her with a Default Notice and adding this to her credit file unless they come to a new agreement. 

It states that a Notice of Default will be sent to her home address and also her email address.

 

She doesn't use the internet much so I said I would ask on here to see if there is anything she can do to stop this. 

Her next payment isn't due until the 29th November.

 

Any help or guidance would be appreciated as she's getting really worried about this with them threatening her with a Default Notice.

 

Thanks Jo 

Share this post


Link to post
Share on other sites

block the text /report as spam

 

block and bounce their email AD's

 

if her IRL complaint is successful the default must be removed

 

only converse ever in writing.

 

dx

 


..

Share this post


Link to post
Share on other sites

Thanks, they have just emailed this to her.

 

IMPORTANT - YOU SHOULD READ THIS CAREFULLY
 
DEFAULT NOTICE under Section 87 (I) of the Consumer Credit Act 1974
 
This is a Default Notice served under Section 87(1) of the Consumer Credit Act 1974.
 
In breach of clause [3] of the Agreement, reference XXXX, you have failed to pay the monthly instalments which fell due on 31-10-2019 on time and in accordance with the terms of the Agreement.
 
To avoid further action, please pay the arrears to us, which total XXXX by 04-12-2019.
 
If the action required by this notice is taken before the date shown no further enforcement action will be taken in respect of the breach.
 
If you do not take the action required by this notice before the date shown then the further action set out below may be taken against you.
 
If you fail to pay XXXX on or before 04-12-2019, we will enforce our rights and:
  • Send you a letter terminating your Agreement;
  • Demand you pay the balance due under the Agreement to us;
  • Report your default and non-payment to credit reference agencies; and
  • Issue legal proceedings and request Judgment for the balance due under the Agreement.
If the arrears are not discharged and the Agreement is terminated, you must make payment of the balance referred to above as a lump sum. If that lump sum payment is not made on 04-12-2019 balance will be recalculated as at the date when such payment is actually made or to be made.

In your own interests, you are strongly urged to contact us by telephone on 0203 757 1933.
 
If you have difficulty in paying any sum owing under the Agreement or taking any other action required by this Notice, you can apply to the Court which may make an order allowing you more time.

You should be aware that if we take you to Court and get a Judgment against you requiring you to pay us the money you owe us under the agreement, you may have to pay us both the amount of the Judgment and interest under the agreement on all the sums owed by you at the date of the Judgment until you have paid these in full. 
 
If you are not sure what to do, you should get help as soon as possible. For example you should contact a solicitor or your local Citizens' Advice Bureau.
 
This notice should include a copy of the current FCA's information sheet on default. This contains important information about your rights and where to go for support and advice.

If it is not included, you should contact us to get one.
If you would like to speak to us to discuss your arrears or the content of this notice, please contact us on 0203 757 1933
 
We look forward to hearing from you.

Yours Sincerely,

Share this post


Link to post
Share on other sites

A number of already existing PD loans that she has an arrangement to pay with and she's taken this one out - as the saying goes robbing peter to pay paul!

Share this post


Link to post
Share on other sites

Hi - just to update you on this.

 

My friend has now managed to stop the Default by agreeing to a repayment plan of £10 per month whilst she went through the IRL claim.  They have this week rejected the claim.

 

The original loan was for £300 taken out in September, they have added £210 in interest and charges since she couldn't make the payment due at the end of October!

 

Can she at least get the interest charges refunded so that it reverts back to the £300 - or is this not possible?

 

Thanks 

Share this post


Link to post
Share on other sites

off to the fos

PDL's always refuse IRL.

 

 


..

Share this post


Link to post
Share on other sites

Amazing thank you - will work with over the weekend via the pack on here :-)

 

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...