Jump to content


  • Tweets

  • Posts

    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the xx/xx/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the xx/xx/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, xx/xx/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

JD Williams/SimplyBe - 1 Late Payment - Chances of Removal?


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2427 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I've had a search around the forums and haven't found much in this regard, at least not where JD Williams/SimplyBe/Jacamo are concerned.

 

Just a summary

- in 2011/12 due to redundancy/ill health I got into some financial difficulties,

 

 

end result is I have 3 defaults which I'm still contending with, but have repayment plans for and I'm currently trying to resolve/end.

 

 

Besides these 3 accounts and since 2013 my credit history is perfect (bar the three accounts I mentioned).

I worked hard to keep it this way so that when those defaults drop off my file at some point my other history is spot on.

 

Fast forward to the recent couple of weeks when I've been mining my credit report

- I noticed JD Williams have lodged a 1 month late mark on my credit file.

 

 

This is highly aggravating, firstly because I'm normally pretty meticulous with my repayments but somehow this must have slipped my mind somehow

(I was pretty poorly around this time, so that might explain it)

and also I'm only £30 off clearing the complete balance (and closing the account).

I emailed JD Williams for more details and this is the reply I received:

 

Dear NAME

 

Thank you for your email.

 

Your statement no30 generated and sent to you on the 17/01/2017.

 

This required payment before the next statement was generated on 14/02/2017 without incurring a administration charge and a missed payment on your credit file.

 

Your payment was not until the 26/02/2017, therefore missing this timescale.

 

Yours sincerely

 

NAME

Customer Service Team

To which I've replied:

 

Hi NAME,

 

Thank you for your reply. This is most unfortunate to hear, as I always endeavour to make payments promptly and have done so previously. I do recall being quite poorly around this time.

 

Would it be possible to be sent a copy of my January/February statements as I can't see that far back online, and unfortunately I don't have the paper statements. It would be much appreciated.

 

Many thanks in advance.

 

Kind regards,

 

NAME

I know 1 late payment isn't the end of the world, but it's definitely bloody annoying.

 

So my question is,

has anyone had any success with JD Williams specifically or other catalogues with removing late payments?

Especially when your account has always otherwise been 'perfect'.

If so, how have you gone about it?

 

Many thanks :madgrin:

Link to post
Share on other sites

bit harsh of them

could you please remove the single 1 late payment marker that I have had with you for the first time in XX yrs of my perfectly administered account

and refund me the unlawful late fees please

this is causing me problems attaining a mortgage and its very unfair 1 single late payment stuffs my families future

 

 

I ask this as a gesture of goodwill upon your behalf.

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... 

Link to post
Share on other sites

Yello again, DX :):wave:

 

In what way are the late charges unlawful? Genuinely don't know (will search in a mo). Not sure if mentioning that would work in my favour of getting the late payment mark removed :???:

 

What's also annoying is I frequently make more than one payment a month. I suspect I may have made a payment not long before that statement was generated. Hopefully I'll find that out if they come back with the statements I asked for - Maybe more leverage in my favour if that's the case.

 

How's this sound?

 

Hi NAME,

 

Could I please request that you consider removing the single one late payment marker as a gesture of goodwill? This is the first time in three years of my otherwise perfectly administered account I have made this error.

 

This could potentially cause me issues attaining a mortgage and severely effect mine and family's future, and feel it is disproportionately unfair for one single late payment.

 

Kind regards,

NAME

 

:|

Link to post
Share on other sites

under FCA guidelines

its a penalty

 

 

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... 

Link to post
Share on other sites

I've just been trawling the forums and reading through the FCA guidelines.

 

 

I can't find the specific section I need to be looking at/what I need to reference so they know I mean business.

Any ideas?

 

 

As in, "Under FCA guidelines, regulated firms must follow their rules.

Therefore I ask you make the arrangements to refund the £12 late payment you unlawfully charged to my account as per section XXX of these guidelines." type thing.

Link to post
Share on other sites

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... 

Link to post
Share on other sites

pers I wouldn't really worry about quoting anything

they are quite aware their £12 penalty fees are unlawful under FCA rules

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... 

Link to post
Share on other sites

  • 5 weeks later...

Just to say, I received a reply today.

They said they can confirm the information added to my file is correct.

They won't be removing it.

Therefore, I've written a letter back saying sorry that my loyalty and otherwise good conduct as customer is not valued,

in that they won't consider my reasonable request to remove the one single late payment marker,

given what I explained about poor health and how it will have a severe effect on mine and my family's future (but none to JD Williams).

 

 

Due to clear lack of compromise or compassion I won't reward with the continuation of my loyalty and business.

Told them to close my account (which is paid off) and to repay the late payment charge to me.

Link to post
Share on other sites

pigs

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...