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  • #1

    Payday Pig v Payday Gap - Legal or Not?

    Do not apply for or use any of the links shown here for anything other than to check out this thread - these crooks are NOT lenders but brokers. We are not advertising these sites, quite the opposite - we'd prefer them to disappear as the scum they are.

    -------------------------------------------------------------

    I got a spam email earlier from paydaypig. Me being me thought ok, lets check em out so I found the following (bear in mind these guys are brokers not lenders!):

    Main site ---> Payday Pig

    Sister site ---> PaydayGap

    Third site ---> Payday Parrot

    Fourth site ---> Fantastic Finance

    Fifth site ---> My Lunchtime Loan

    However notice at the base of the sites, each has a CCL number as being #637235 yet to have a CCL you must name each firm you intend to trade under, so I checked the CCL Register and found this:

    Click image for larger version Name: Stop_Go.JPG Views: 1 Size: 45.6 KB ID: 1414370

    Surely this isn't right? How many more companies is this firm trading under without the OFT's knowledge?

    They also share the same DPA number, surely each firm has it's own server or storage facility thus should have their own DPA number (not sure about this...) #Z2282935
    I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

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    Tags: advertising, banks, broker, brokers, businesses, card, ccl, companies, consumer, credit, crooks, debt, dpa, e-mail, email, finance, firm, firms, google, ico, insurance, legal, lenders, licence, loan, loans, mail, money, networks, niddy, nts, oft, payday, payday loan, pdl, pig, share, small, spam, tps
  • #2
    Re: Payday Pig v Payday Gap - Legal or Not?

    * Niddy is looking for paypay bug and payday slug but can't find them. Maybe they don't name their companies after themselves so instead I'll start to search for payday c*nts and see what that brings up!
    I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

    If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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    • #3
      Re: Payday Pig v Payday Gap - Legal or Not?

      See google search ---> CCL Number 637235 | Google search


      Bit more of a shocker there
      Last edited by Never-In-Doubt; 2 August 2012, 18:39. Reason: sorted linky
      I am an IT Professional with a Background in most Microsoft Based Technologies. Currently Proud to Work at one of the Leading UK Universities. I have that Mentality of "If I can provide Useful Input - then I will Try my best to do so"

      Life is full of Ups and Downs. Shame it just aint simple.

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      • #4
        Re: Payday Pig v Payday Gap - Legal or Not?

        all way to page 12 of different trading names
        I am an IT Professional with a Background in most Microsoft Based Technologies. Currently Proud to Work at one of the Leading UK Universities. I have that Mentality of "If I can provide Useful Input - then I will Try my best to do so"

        Life is full of Ups and Downs. Shame it just aint simple.

        Comment

        • #5
          Re: Payday Pig v Payday Gap - Legal or Not?

          Originally posted by Never-In-Doubt View Post
          * Niddy is looking for paypay bug and payday slug but can't find them. Maybe they don't name their companies after themselves so instead I'll start to search for payday c*nts and see what that brings up!
          2nd time I've splurted over my keyboard today...but this is more serious..it was BRANDY!!!

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          • #6
            Re: Payday Pig v Payday Gap - Legal or Not?

            Llama Loans????!!! FFS!!
            Last edited by Undercover Elsa; 2 August 2012, 18:53.

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            • #7
              Re: Payday Pig v Payday Gap - Legal or Not?

              Not to mention "My Big Fat Payday Loan" Finance for traveller weddings?
              That one won't let you leave the page, popup after popup saying don't go, do you really want to leave?

              Comment

              • #8
                Re: Payday Pig v Payday Gap - Legal or Not?

                Payday Pig goes under one of these alias names: message on e-mail search: deepjunglegreenfederate

                Click image for larger version Name: Untitled.jpg Views: 1 Size: 119.7 KB ID: 1390426
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                • #9
                  Re: Payday Pig v Payday Gap - Legal or Not?

                  Originally posted by Flowerpower
                  Not necessarily, many businesses operate through different companies that share offices and servers. I've seen multiple companies operating like this at all levels, from small property and development firms to the Big Boys...
                  Crystal Clear again as far as the ICO is concerned?
                  Mother Nature Don't Draw Straight lines, We are Broken Moulds in Life's Grand Design, We look a Mess but we're doing fine,
                  Life Long Card Carrying Member Of the Union of Different Kinds.

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                  • #10
                    Re: Payday Pig v Payday Gap - Legal or Not?

                    And what's worse, if you owe one PDL money but have say ..changed banks or card numbers and apply to what you think is another PDL all of a sudden wham all your money has gone. Never happened to me but according to an impish friend of mine....

                    Comment

                    • #11
                      Re: Payday Pig v Payday Gap - Legal or Not?

                      Just wanted to clarify the legal situation with Consumer Credit Licenses and registered Trading Styles. A company must have both and approved CCL from the OFT and also any names they trade under (Trading Styles) must also be approved by the OFT.

                      Looking at the company in question Payday Gap Ltd. (which has since changed its name to Stop Go Networks Ltd.) with CCL 637235 it currently has the following trading styles listed on the OFT site oft.gov.uk/OFTwork/credit-licensing :

                      Cash Cat, Cash Cow Now, Cash Gap, Cash In A Dash,
                      Cheetah Payday, Chop Chop Cash, Doggy Dosh, Elvis Payday
                      Fantastic Finance, Finance'R'Us, Firefly Finance, Kill Bills
                      Knockout Payday, Llama Loans, Loan Cheetah, Loan Spider, Mke Hay Till Payday
                      My Big Fat Payday, My Lunchtime Loan, Pay Kwik, Payday Cat
                      Payday Gap, Payday Paddy, Payday Palace, Payday Parrot, Payday Pig
                      Payday Pinata, Payday Polar Bear, Payday Pup
                      Payday Purse, Pukka Payday, Rapid Readies, Robot Loans
                      Rudolph'S Readies, Spend Friend, Stretch Payday, The Dosh Pit



                      They obviously have a think tank generating all these names. Not sure how many of these are live payday sites however.

                      It's a bit like insurance sites. Sheila's Wheels and Swiftcover (amongst others) are operated by AXA Insurance. Perfectly legal, just using brands as a way of differentiating from the competition.

                      And on another point, the company is a loan broker and not a lender. The loan (and debt) is held against the lender.

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