Hello all I have been having a problem with O2 I defaulted on a phone contract . They have now passed it to Westcot. The contract was one of the newer contracts which gives you a contract for the phone and a separate agreement fro airtime . I am not denying the debt and want to pay O2 but they keep referring me to westcot. from the library I sent them the cca request and the reply have come back which I have uploaded . I just want so advice what to do next. Thanks Brian

Hi Guys today the ombudsman as got back to me regarding cash genie. Even though Cash Genie rejected my complaint I got a result they are refunding 265 to me. here is their email. Hi B I just wanted to update you about your complaint. I’ve not yet fully investigated your case but Cash Genie have been in touch with me to discuss some points. Cash Genie have put forward an offer based on interest re-calculations. This is something that they have been working with the Financial Conduct Authority on, where they are historically repaying any interest that may be owed to consumers. They have suggested that to settle your complaint, they will refund you £260. If you’d like to accept this offer then please let me know as soon as possible.

Hi guys i to made a complaint. But mine went out to adca so i made a complaint and this is the reply. What i would like to know is can i claim interest back on other loans as i repaid allof thosein full. Shouldi make a seperaTe complaint. Important update about your loan payments. Having trouble? View this email as a web page » For your security: This is an official Wonga email for B*** ***** Dear Mr **** We are writing to you as a current or previous Wonga customer. If you believe you have received this email in error please call our customer care team free on 0800*840*0571 or if you are calling from a mobile on 03330*015*104. You don't need to make any more payments On the 10th of February 2015 we took back ownership of your loan agreement number $$$$$$$$ from Portfolio Recovery Associates (UK) Limited (PRA). Under our new affordability rules you would not have qualified for this loan. So we bought your loan back from PRA and have written it off. It's part of our commitment to make things right for our customers. This means you do not owe PRA or Wonga any money and you do not need to make any further payments. We recommend you contact your bank to cancel any payment instructions, such as Standing Orders. Any amount that you repaid to either PRA or Wonga from 10th February 2015 will be refunded. If you have received any communications chasing payments on this loan, you can ignore them or if you would prefer to speak with someone you can contact our customer care team. This will not impact your credit rating. All entries related to your affected loan have been removed from your credit record. If you are in a position of Bankruptcy, you have entered into an Individual Voluntary Arrangement (IVA) or your debt is being managed through a Debt Management Company, it is your responsibility to inform the person managing your debt that you no longer owe this money. If you would like to speak to our customer care team, please contact us free on 0800*840*0571 or if you are calling from a mobile on 03330*015*104, alternatively via email to accountreturn@wonga.com. We’re here to help 24 hours a day, every day. Best wishes, Customer Care http://www.wonga.com Contact us accountreturn@wonga.com 0800 840 0571 or 03330 015 104 Lines are open 24/7/365 Wonga.com is a trading style of WDFC UK Limited. Registered in England and Wales. Registered Number: 6374235. Registered Address: 88 Crawford Street, London, W1H 2EJ. Authorised and regulated by the Financial Conduct Authority. Interim Permission Number 611974. We respect your right to privacy - view our policy * This email was sent to

Just thought id update. Went to court yday and no one turned up. Not even judge turns out case has been discontinued. But we recieved no letter or notice. Not even from court. Im not chasing it just calling it a small win. Thanks everyone for all your inputs

Hi all I have been searching online but to no avail. But as there been an outcome in the beavis case. I could the listing u no outcome

Just a quickie if we lose will they be awarded a ccj

We have a date 25th march exchange documents before 5th.

Hi guys i have rang the courts and they have paid the allocation fee. Now how do i write a full defence i am struggling. Alsoi have sent the strike out letter with no response as yet.

Ive had a quick look and it leads me an N244 formwhich i canuse to apply for a strike out. On the grounds of the failureto deliver on the request of CPR 31.14. Does this form ring a bell.

Anyone do you think this ok.

Ericsbrother do you think this letter is suitable to send to the local judge asking for a strike out. Dear Judge Having written to Parking eye on the 6**** . Requesting sight of the contract between the landowner and themselves which shows they have a legal right to bring court action in their own namE under CPR 31.14 I am now asking for this claim to be struck out as it is vexatious. As they have not provided any proof of locus standi. As Parking Eye at the time of writing this letter as failed to deliver any reply to this.

Sorry i dont know dq or aq means

Hi guys this morning we teceived a court date of 24th March. We have to swap and register documents by the 5th. Firstly thry have to pay the fee. What shall we do now as we havent got the foggiest as its our first time for a court hearing.

I had the same email yesterday. However i have an officialcomplsint being investigated by them. I am trying to get my rollover fees returned. Im about a month in now and got fingers crossed. I got the idea from reading other posts on here. Big thanks to all you guys for your invaluable help.

Ive got no reply from parking eye. But we did have a letter stating they now realise that we were genuine customers and offered us to settle at £60.

Hi guys just thought i would update. We have now been reallocated to our local court. Is it just a waiting game or is there anything we ahould be doing while we wait.

Thanks for your help.

Thanks dx does this mean we are definitely going to court now its been transferred

I have logged into mcol tonight and my case as been transferred To a court not local to me even though we requested it. But the court it has gone to has the same name place. Do we ring a tell them or write to them.

I never kept the agreements.

Hi dx when i originally started they used to take 1st payment the same day loan was taken. The last 2 years or so they would take 1st payment 1 week after the loan is taken.

Hi guys came in today with this. It's from Parking Eye about the courts questionaire. It shows they don't want to go to mediation but not sent the fee for allocation. I've logged on to mcol yesterday and no change. What is my next step?

Thanks dx does this mean we can do anything.

Hi guys just a quick question. I am slowly but surely getting myself back on my feet financially. Over the years I have used doorstep lenders such as shopacheck. In February I Will pay my last ever payment. My question is when I borrow money I would pay so much off then re loan this was a vicious circle that went on for years. Could I claim any of this money back as when I reloaned I would always pay off the interest and never receive the full amount of the new loan. It would be very nice if I could. Thanks bd

The court as not been allocated. We have just sent the n180 form off and awaiting the allocation.