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    • Notice how Kev goes about his scam.  In Kahunaburger's case they left the car park well before the time shown on the ticket they had purchased.  But because Kev added on the time taken to look for a parking spot and queue to pay/try to get an internet signal he still sent them an invoice. So If you had left before the Justpark message, say at 3:55, Kev would still have managed to turn that into a stay of 4:06 and thus an overstay and an invoice. Unfortunately for Kev, judges have ruled against his reasoning.  Have a read of this famous case  http://parking-prankster.blogspot.com/2014/03/waiting-for-space-is-not-parking.html  
    • Its okay - It happens. And this is why DCAs  user every trick in the book to try and make you crack.  Now its time to come back.    Im not sure how to proceed if Im honest if they have issued a Letter Of Claim.  Only as You could complain to Oakbrook and they still proceed with Legal Proceedings, but I dont know if that would help or hinder the legal proceedings if they began down that avenue.  I know a FOS complaint wouldnt stop Legal Action and probably run along side it.  But I guess a judge would view a disputed balance with the original creditor as cause for concern whether the DCA's claim is valid?    A bit of a muddle.     
    • That is superb. To answer your question - Dear Mr Dhaliwal Change the sentence - As our disabilities were ignored and disregarded for the time taken I believe this is discrimination against us ... To - As our disabilities were ignored and disregarded for the time taken I believe this is discrimination against us contrary to the Equality Act 2010. Iceland have always been useless, not only in your case but in others, but I think if they realise they are breaking the law it will encourage them to act. I also think the letter is overlong and you could lose the paragraph - I cannot afford any unfair charges of this kind as I am severely struggling financially. I cannot work and am a carer for my disabled Son who also has a mental and mobility disability. I obviously do not have any disposable income and am in debt with my bills. So its an absolute impossibility for me to pay this incorrect charge - as the main points are made elsewhere.  
    • Hands up in the fact that i have probably F***** *P!!
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Vanquis IRL Complaint - re a Loan Account - refunded all interest - loan written off. ***Resolved***


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Strange letter arrived last Friday from Vanquis.

It starts off as follows:

 

Following a review of your account, we have identified that we made an error in veryfying your suitability for your loan at the point of application. Had we correctly verified your details, we would not have provided you with the loan.

(This letter goes on to say)

What are we doing to fix this?

  • We have taken the decision to refund all interest accrued. This will be used first to reduce the outstanding balance and any additional amountwill be issued to you by cheque within the next 28 days.
  • This means that you will not be required to make any futher payments.
  • Additionally, we will be removing the record of your loan account from the credit reference agencies. Q(Can they do that?) The account stands on my record as "settled" I never missed a single payment over the term of this small loan?

 

Fact: They contacted me and offered the loan in the first place because I already had a Credit card with them.

My guess? This has been issued as a result of regulatory oversight.

 

Any advice would be appreciated. I have a copy of the letter on hand ready to attach (all relevent info has beed redacted) if you need it.

Always glad to see you guys are still here.

 

Thanks

stephenXL

Advice & opinions of stephenXL are offered informally, without prejudice & without liability.

Use your own judgement. Seek advice of a qualified insured professional if you have any doubts

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irresponsible lending rules.

 

they've done this because they were ordered too by the FCA/FOS and they have only just gotten around to you.

 

dx

 

  • 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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  • dx100uk changed the title to Vanquis re a Loan Account - refunded all interest - loan written off.
  • 1 month later...

Update:

I had repaid this loan in full. Whatever audit was carried out Vanquis was required to repay all the interest I had paid. Almost £600

 

Thanks

stephenXL

Advice & opinions of stephenXL are offered informally, without prejudice & without liability.

Use your own judgement. Seek advice of a qualified insured professional if you have any doubts

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thanks for the update 

glad cag helped you win 

 

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but our hosters still charge for our servers and ISP access.

 

dx

 

 

 

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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Share on other sites

  • AndyOrch changed the title to Vanquis IRL Complaint - re a Loan Account - refunded all interest - loan written off. ***Resolved***
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