Wonga/Payday Express - Why don't they play ball?

jonnyd281

Peelerfart wrote: »

Nah! for crumble it just got to be custard,specially on a cold day like today

Ah but with hot crumble and custard to counteract the ice cream.

meer53

asbokid wrote: »

don't forgot drug dealers.. they too can't enforce their debts....

where is a heroin dealer's court of arbitration?

incidentally, talking of wonga, and illegitimate debt collection..

it seems that wonga does the time-worn trick of sending letters from a bogus Debt Collection Agency, insofar as the DCA is actually wonga itself.

wonga also uses a licensed firm of bailiffs, Marstons, which uses tactics that are not only illegitimate but very likely unlawful too.

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?332-Wonga-and-associated-companies

comments.....

As far as i can see, you're the only one talking about illegitimate debt collection here. You're really boring.

Fish finger sandwich with potato rosti on the side. Just in from sledging

MonkeyMad

Visiting forces Act 1952
3 Restriction, as respects certain offences, of trial by United Kingdom courts of offenders connected with visiting force. (1)Subject to the provisions of this section, a person charged with an offence against United Kingdom law shall not be liable to be tried for that offence by a United Kingdom court if at the time when the offence is alleged to have been committed he was a member of a visiting force or a member of a civilian component of such a force and—
(a)the alleged offence, if committed by him, arose out of and in the course of his duty as a member of that force or component, as the case may be; or
(b)the alleged offence is an offence against the person, and the person or, if more than one, each of the persons in relation to whom it is alleged to have been committed had at the time thereof a relevant association either with that force or with another visiting force of the same country; or
(c)the alleged offence is an offence against property, and the whole of the property in relation to which it is alleged to have been committed (or, in a case where different parts of that property were differently owned, each part of the property) was at the time thereof the property either of the sending country or of an authority of that country or of a person having such an association as aforesaid;

(3)Nothing in subsection (1) of this section—
(a)shall prevent a person from being tried by a United Kingdom court in a case where the Director of Public Prosecutions (in the case of a court in England or Wales), the Lord Advocate (in the case of a court in Scotland) or the Attorney-General for Northern Ireland (in the case of a court in Northern Ireland) certifies, either before or in the course of the trial, that the appropriate authority of the sending country has notified him that it is not proposed to deal with the case under the law of that country; or

A lot of words here so I shall summarise for you. Offences committed in the UK may be dealt with by the legal body of the sending country or may be demured to the visited country. Should the sending country not proceed with action the UK reserves the right to proceed with a trial.

Obtaining credit under false pretences is a specific offence actionable by this act. Legally incurred debts are enforceable - you are confusing not being able to legally pursue against not being able to practically pursue.

MonkeyMad

Whilst absolutely nothing to do with the OP I feel bound to highlight the fact that it is not actually illegal to give a payday loan to US military personnel in the US (and it actually says so in the excerpt from the Code earlier). The interest rate merely has to be within regulated limits.

Which is precisely why other forms of lending are now appearing that are not regulated under the 2007 Act. Even though they are protected these servicemen are generating new demand. The US military takes as dim a view on financial mismanagement as do the UK forces, and is actionable through courts martial.

I don't know about what the actual armed forces think about their name being used in vain, but I find the idea that a MP is 'Helping our Heroes' by going after a section of the banking industry their party helped generate instead of spending on a well-financed and flexible armed service repugnant.

asbokid

MonkeyMad wrote: »

Visiting forces Act 1952 - Restriction, as respects certain offences

Since 1869, debt liability has been no more than a Civil tort in the UK [1] [2].

*sigh*

US Federal Law forbids under penalty of Criminal prosecution, all wankas like wonga from issuing loans to US service personnel at rates any higher than 36% APR.

That cap effectively destroys the entire business model of wonga with its 4000% APR.

Let's talk about the Creasy campaign to seek protection for Our Heroes here in Britain.

Press release: MP hits out at legal loan sharks for targeting British Military and calls on Government to act

Speaking after a debate in the House of Commons on services personnel today ahead of Remembrance Sunday, Dr Stella Creasy, MP for Walthamstow said:

“Our Armed Forces make enormous sacrifices for the sake of our security, so it’s only right that we give them the protection they deserve from problems at home. These figures [of debt problems] from the Royal British Legion reflect the difficult financial circumstances many of our service personnel and their families find themselves in given their unique lifestyle.

My fears for their financial welfare are compounded by the evidence that payday lending companies are deliberately targeting our forces here in the UK as they did in America. Now we learn a third of all debt cases the RBL deals with involve these kinds of unsecured debts.”

“America took action by capping what soldiers could be charged for credit – I urge the Ministers to learn from them by commissioning research into the causes of financial struggle for our forces, back our call for caps on the costs of credit to protect consumers from these firms and ensure our Forces are able to access affordable credit through a dedicated army credit union.

Any member of the public concerned about debt and our military could also help this campaign by signing the petition calling on the Government to end legal loan sharking and cap the costs of credit.”

Like their American compatriots, those serving Crown and Country in Her Majesty's Armed Forces deserve to be protected too from the vultures behind Wonga and other Predatory Lenders.

If you support Our Troops, then join the campaign! [3]


[1] http://www.legislation.gov.uk/ukpga/1869/62/pdfs/ukpga_18690062_en.pdf
[2] http://www.rib.uscourts.gov/ONTHEDOCKET/vol2,%20iss2.PDF
[3] http://www.workingforwalthamstow.org.uk/?p=916

CHR15

I was in the Forces you slimy little turd asbokid, I don't appreciate your infantile ranting just because you have made stupid mistakes with money yourself.
HM Forces do not need some immature brat fighting their corner.

Grow up.

Apples2

asbokid wrote: »

Spot the Wanka Banker!
No Help for Heroes from you, eh?! What a traitor.

Do you really not understand this yet?

The overwhelming majority on here REALLY do not like you or the rubbish you are spouting?

Eventually it will rattle it's way into that cement head that your posts are genuinely not welcome.

jonnyd281

asbokid wrote: »

Spot the Wanka Banker!



No Help for Heroes from you, eh?! What a traitor.


For those who truly do want to help Our Boys.. please join the campaign to ban payday lending to British service personnel..

http://www.workingforwalthamstow.org.uk/?p=916

You have nothing to do with this at all, all you have is a vendetta against Wonga, and anyone who dares to disagree with you is a target for you vitrial.

I wonder if the MP concerned knows that you are using her images and spouting abuse in her name?

LovelyLeeds

asbokid wrote: »

No Help for Heroes from you, eh?! What a traitor.

You have crossed the line. That is a totally unacceptable post to make.

endora

The whole UK population both civil and military should be protected from vultures like Wonga! There should be a cap on interest rates. Simples!