So it's not then? I am confused. What should I do for my witness statement?
Worth mentioning the initial default notice is on plain A4 paper, not headed. There is no default on my credit file. The default is Express Finance Ltd t/a Payday Express. When they sell the loan to PRAC it is headed paper. Payday Express a trading name of Instant Cash Loans Limited.
There seems to be various trading alias, it is hard to see what is right.
I've already suggested better ideas in posts 42, 45, 52, 85 and 90. (Sorry about your ears by the way...)
To summarise: the bank is a non-starter for several reasons listed in earlier posts;
Ladbrokes appear to be at fault. If they aren't going to budge then the OP needs to complain to the Gambling Commission (unless this Ladbrokes entity is incorporated somewhere like Malta, Gibraltar, the Isle of Man etc). The potential difficulty here is that the Gambling Commission may have some sort of statutory duty to inform the authorities of what might look like some sort of potential fraud;
Hence the OP might find paid for legal advice helpful before going further. Only the OP can decide if the cost of this is warranted compared to getting 13k back, or the possibility of a fraud investigation;
I'd also seek advice from a Gambling Charity, not because I'm suggesting the wife has a gambling problem, but because the OP is more likely to find people who have experience of dealing with gambling companies.
I'm not certain going down the social media route is right because the OP is going to have to explain that his wife had both his card and his mobile phone and gambled away 13k while drunk. The OP may this embarrassing and not want to publicise it, and if he doesn't, I fear Ladbrokes might. They may also decide to go down the fraud route.
I don't think you can shame gambling companies into doing anything.
At my work we share a depot with Parcelforce and even at Christmas when the place was packed out with Parcels there was nothing that looked anything like the carnage in those photos.
I'm in the depot for about an hour before I start out on my run and I can honestly say that any breakages ect are accidental, I know Parcelforce get a bad name but in the 9 years I've been there I've never seen anything that would make me worry about using them.
I know a good few drivers with Parcelforce and they also have to do between 80 and 100 drops per day, It's the self-employed drivers that struggle to make a decent living working for them.
Shocking pictures reveal ‘disgusting’ conditions inside Hermes depot where workers ‘feel like slaves’. Read more at https://www.consumeractiongroup.co.uk/topic/419726-shocking-pictures-reveal-%E2%80%98disgusting%E2%80%99-conditions-inside-hermes-depot-where-workers-%E2%80%98feel-like-slaves%E2%80%99/
Euro Car Parks issued this ticket to the police in Devon and Cornwall. Read more at https://www.consumeractiongroup.co.uk/topic/419522-can-anyone-identify-the-parking-company-which-issued-this-ticket-to-the-police-in-devon-and-cornwall/