Jump to content
  • Tweets

  • Posts

    • Hi there, Just a query regarding Savvy. I took out a loan with them in October 2019 for £750. This would be repaid over 52 weeks at £28.27 per week. I maintained payments on a regular basis until 20th March 2020 by which time I had paid a total of £565.40 (20 repayments of £28.27. I notified Savvy by live chat that I had been furloughed on 23rd March and would struggle too make repayments. i also emailed them on 27th March with confirmation of my furlough. They asked for Income/expenditure - not unreasonable but the template they asked me to use was shocking to say the least. I then sent them my own version drafted with help from National Debtline. This is a self service budget that I can amend and save as necessary.   Long story short and I am now back in work and my wages are back to normal. However, i am required to move house for personal reasons and the current landlord wanting the house back - well notified so there is no issue there. I have also kept Savvy up to date, especially as my family have suffered mental health issues in the early part of this year. Again i have notified Savvy, filled in a new IE form. This is the response I received.   Thank you for your email.   I have updated the income and expenditure form based on the information you have provided which shows you have a minus disposable income of £66.86, we allow £50.00 emergency cash which leaves a minus disposable income of minus £116.86.   Can you please confirm how you make up the deficit each month?   When the loan was issued in October 2019 an income and expenditure form was completed with you, can you please confirm the reason the following has increased.   Rent/ Mortgage has increased by £1,162.00   Housekeeping has increased by £580.00   Household Bills has increased by £507.40   Car/ Travel has increased by £123.80   Social has increased by £150.00.   Due to the changes to your financial circumstances we would need to see a 90 day copy of your bank statement.   Please find below a link to a system we use calls open banking, please click on the link and log in your online banking details this will automatically generate a 90 day bank statement.   LINK REMOVED.   I have placed your account on hold until the 12th August to allow time for the bank statement to be sent in.   They have now issued a default notice.   Any advice would be greatly appreciated before I initiate a complaint against Savvy. I have maintained reduced monthly payments in line with what I can afford. Is it reasonable for Savvy to ask for access to my bank statements. They did not ask for them when I took out their loan.  
    • Click on the SAR link. They will send you everything, that they have on you, screen shot's , emails, etc.  You will be looking for, and will easily find the date that a default notice was sent out, and sold to Cabot. If the default date is before your last payment date then it will be statute barred in 3 months.   Providing the DCA has your current address I really don't think you have anything to worry about. 
    • Is it possible to see my defaults from over 5 years ago anywhere. Not showing on my credit file. I downloaded the whole thing from experian. 
    • Do I just try to say I haven't received there correspondence and ask them to send it recorded delivery and hang it out until 2021?
  • Our picks

    • Curry’s cancelled my order but took the money anyway. Read more at https://www.consumeractiongroup.co.uk/topic/423055-curry%E2%80%99s-cancelled-my-order-but-took-the-money-anyway/
      • 11 replies
    • Father passed away - Ardent Credit Services (Vodafone) now claiming he owes money. Read more at https://www.consumeractiongroup.co.uk/topic/423040-father-passed-away-ardent-credit-services-vodafone-now-claiming-he-owes-money/
        • Thanks
      • 9 replies
    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
        • Like
      • 6 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
        • Thanks
      • 16 replies
northmonk

VCS Spycar PCN PAPLOC - Hire Car - me named - no stopping - Southend Airport

Recommended Posts

Yeah I deliberately put that in to be specific as to the letter from Pressdram as opposed to the letter from Arkell to private eye demanding a retraction

Share this post


Link to post
Share on other sites

the quote of Arkell v Pressdram has been used thousands of times in the last 50 years, it is well known so why on earth do you think it needs explaining in such a way as to lose its effect altogether?

 

When we draft somehting we choose our words carefuly even though it doesnt look that way

 

terms such as unicorn food tax are now common parlance, the parking co's will ahve received many letters referring to their unlawful charges as such and they undersatnd the source material is here. That is what we want, we want them to know that the sender has read up on things and is now fully aware of their unlawful and sometimes criminal ways and isnt afraid to take them on. By changing a well knwon quote you show that you knowledge on such matters is limited and they will then be more likely to chance their arms than not.

 

there is a saying that goes it is better to keep silent and to be thought a fool than to open you mouth and prove it.

 

i also believ that you should smile in adversity as that way no one knows what you are really thinking. My army unarmed combat instructor used to demonstrate the technique becasue by getting the opposition to smile in response gives you the perfect opportunity to then beat the cr*p out of them whilst they are off their guard

Share this post


Link to post
Share on other sites

Simple knows his rubbish POC and cut & paste WS have no legs if a nasty enough letter telling him he is a knave and charlatan onto a kicking in court he might well move on to a more compliant victim.

 

Wonder if a letter written in nadsat would confuse him?

 

 


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

Share this post


Link to post
Share on other sites

Ok EB thanks for the comment. Having never had to fight anything legally before, I wasn't aware of A v P and it's common historical usage etc. I did invite comment on my letter before posting it, but didn't receive a reply on the day so went ahead and posted it anyway.

 

Sorry brassnecked, what's "nadsat"?

Share this post


Link to post
Share on other sites

The language used in A Clockwork Orange Even better would be Unwinese. a particular form of gobbledegook spoken by the Late prof Stanley Unwin.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

Share this post


Link to post
Share on other sites

I posted my shirty letter to simple on 29/5 with proof of postage. It's been 5 weeks now, do you think he got the message? 

Share this post


Link to post
Share on other sites

Give them time-amoebas are a little short on brain power to work sarcasm out. I wrote a letter similar to yours to Parking Eye and they wrote back to confirm they had received my appeal! 

Share this post


Link to post
Share on other sites

like thier court claims, it is a matter of gambling odds. They know their claims are duff but generally the peopel htey chase arent as clued up as those who read  various forums so they will get a number of easy wins and hope that by using the shotgun approach to litigation  they hit more than they miss.

 

It would be sensible of them to stop suing people who are prepared to taken them on and have a good reason to expect to beat them so whetehr they sue or not will depend on a number of factors and that will include previous results and especially widely circulated cases like the Lewes one. they will be waiting to see who drags that up before they issue too many claims where it will play a major part like the airport no stopping cases.

 

They have dozens that are held up in the quagmire at the moment so wont want to be spending money of they are onto a dead cert loser. they have 6 years to try thier luck so may sit on it until a case elsewhere gives them hope. They also lobbied parliament and were told to get lost, they may try that route again

Share this post


Link to post
Share on other sites

Thanks EB, yeah that makes a lot of sense what you're saying. They're basically playing a numbers game, for the 1 person who bothers to find out their legal position etc and the ability to fight them, there'll be 10 who simply pay up because they're frightened off by their bullshit etc.

 

I'll go to the end of the line on basic principal of not giving in to these ruthless vultures preying on the general public and their lack of knowledge etc.

 

Thanks a lot folks

  • Like 2

Share this post


Link to post
Share on other sites
5 hours ago, lookinforinfo said:

Give them time-amoebas are a little short on brain power to work sarcasm out. I wrote a letter similar to yours to Parking Eye and they wrote back to confirm they had received my appeal! 

Ha ha doesn't surprise me at all, these PPC idiots are simple routine cut-and-paste merchants, and like I said to EB just playing the numbers game because obviously with most folks, sadly, thats enough to keep them going. If everyone took this approach, they'd be out to grass pretty quickly, all of em!

Share this post


Link to post
Share on other sites
Posted (edited)

you are right but they issued 8.4 million tickets last year so nearly a billion quid at stake.

They are trying to get the law changed to create a keeper liability in all cases (inc Scotland, where the law damns them anyway but they still send out tickets) and other things but parliament wants a proper appeals scheme that is independent of the trade associatiosn and also wants minimum stanadards that would put all of the parking co's out of business  as they are at present so dont expect things to be on the statute books in a hurry.

 

Like Huawei, they have politicians in their pockets who will jump up and squeal if their vested interests get threatened too much.

Edited by ericsbrother

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...