Jump to content


  • Tweets

  • Posts

    • Post #415 you said you were unable to sell it yourself. Earlier I believe you said there had been expressions of interest, but only if the buyer could acquire the freehold title. I wonder if the situation with the existing freeholders is such that the property is really unattractive, in ways possibly not obvious to someone who also has an interest in and acts for the freeholders.
    • i dont think the reason why the defendant lost the case means anything at all in that case. it was a classic judge lottery example.
    • Hello, I will try to outline everything clearly. I am a British citizen and I live in Luxembourg (I think this may be relevant for potential claims). I hired a car from Heathrow in March for a 3-day visit to family in the UK. I was "upgraded" to an EV (Polestar 2). I had a 250-mile journey to my family's address. Upon attempting to charge the vehicle, there was a red error message on the dashboard, saying "Charging error". I attempted to charge at roughly 10 different locations and got the same error message. Sometimes there was also an error message on the charging station screen. The Hertz 0800 assistance/breakdown number provided on the set of keys did not work with non-UK mobiles. I googled and found a bunch of other numbers, none of which were normal geographical ones, and none of which worked from my Luxembourg mobile. It was getting late and I was very short on charge. Also, there was no USB socket in the car, so my phone ran out of battery, so I was unable to look for further help online. It became clear that I would not reach my destination (rural Devon), so I had no choice but to find a roadside hotel in Exeter and then go to the nearest Hertz branch the following day on my remaining 10 miles of charge. Of course, as soon as the Hertz employee in Exeter plugged it into their own charger, the charging worked immediately. I have driven EVs before, I know how to charge them, and it definitely did not work at about 10 different chargers between London and Exeter. I took photos on each occasion. Luckily they had another vehicle available and transferred me onto it. It was an identical Polestar 2 to the original car. 2 minutes down the road, to test it, I went to a charger and it worked immediately. I also charged with zero issues at 2 other chargers before returning the vehicle. I think this shows that it was a charging fault with the first car and not my inability to do it properly. I wrote to Hertz, sending the hotel, dinner, breakfast and hotel parking receipt and asking for a refund of these expenses caused by the charging failure in the original car. They replied saying they "could not issue a refund" and they issued me with a voucher for 50 US dollars to use within the next year. Obviously I have no real proof that the charging didn't work. My guess is they will say that the photos don't prove that I was charging correctly, just that it shows an error message and a picture of a charger plugged into a car, without being able to see the detail. Could you advise whether I have a case to go further? I am not after a refund or compensation, I just want my £200 back that I had to spend on expenses. I think I have two possibilities (or maybe one - see below). It looks like the UK is still part of the European Consumer Centre scheme:  File a complaint with ECC Luxembourg | ECC-Net digital forms ECCWEBFORMS.EU   Would this be a good point to start from? Alternatively, the gov.uk money claims service. But the big caveat is you need a "postal address in the UK". In practice, do I have to have my primary residence in the UK, or can I use e.g. a family member's address, presumably just as an address for service, where they can forward me any relevant mail? Do they check that the claimant genuinely lives in the UK? "Postal address" is not the same as "Residence" - anyone can get a postal address in the UK without living there. But I don't want to cheat the system or have a claim denied because of it. TIA for any help!  
    • Sars request sent on 16th March and also sent a complaint separately to Studio. Have received no response. Both letters were received and signed for.  I was also told by the financial ombudsman that studio were investigating but I've also had no response to that either.  The only thing Studio have sent me is a default notice.  Any ideas of what I can do from here please 
    • Thanks Bank - I shall tweak my draft and repost. And here's today's ridiculous email from the P2G 'Claims Dept' Good Morning,  Thank you for you email. Unfortunately we would be unable to pay the amount advised in your previous email.  When you placed the order, you were asked for the value of your parcel, you stated that the value was £265.00. At this stage the booking advised that you were covered to £20.00 and to enhance this to £260.00 you could pay an extra £13.99 + VAT to fully cover your item for loss or damage during transit, you declined to fully cover your item.  Towards the end of your booking on the confirmation page, you were then offered to take cover again, to which you declined again.  Unfortunately, we would be unable to offer you an enhanced payment on this occasion.  If I can assist further, please do let me know.  Kindest Regards Claims Team and my response Good Afternoon  Do you not understand the court cases of PENCHEV v P2G (225MC852) and SMIRNOVS v P2G (27MC729)? In both cases it was held by the courts that there was no need for additional ‘cover’ or ‘protection’ (or whatever you wish to call it) on top of the standard delivery charge, and P2G were required to pay up in full for both cases, which by then also included court costs and interest. I shall be including copies of both those judgements in the bundle I submit to the court next Wednesday 1 May, unless you settle my claim (£274.10) in full before then. Tick tock…..    
  • 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

Capital One Credit Card Debt - Fredericksons now on the scene!!


bezzy0_0
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2507 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

hello everyone ,

advice needed really,

credit card company

i have been paying reduced payments below minimum payments requested for a few mths now with agreement with creditors,

low earnings/circumstances changes etc.. none missed ,

 

had agreement to do this they froze interest payments during this time have been repaying mthly from the internet through my bank with no problems right up to now

 

not been getting any statement to pay for mths

 

but got a letter from lowells other day saying they had bought debt and wanted to speak to me ref to paying of debt ,

hope i have done this right,

sending of cca request plus a validate debt letter to lowells,

also wrote to cc company to asertain when they charged off my debt , has could have been paying into there acoount after they disposed of debt for a few mths now,

 

i know i owed them this money anyway but will i be able to get back the payments made to them after they sold on my debts?

 

do i send a sar to my credit card company after i received a reply from lowell?

 

thanks:?:

Edited by bezzy0_0
Link to post
Share on other sites

  • Replies 152
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

Hi and welcome to CAG

 

If you have had no notice from your original creditor that this debt has been sold (who is the OC?) then I would continue paying them until such time you get confirmation from them.

 

Once you get that, continue making the payments you have already agreed to. Lowells can do nothing to you (apart from taking you to court and they would look silly when you are paying)

 

If you have had charges put on your account then a SAR to the OC would be useful

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

Also, please try to contain your issue to one thread.

 

thanks

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

As above. When a debt is sold you should receive a goodbye from the original company and a hello from the DCA - this is known as a Notice of Assignment. Until you have this, as far as you are concerned the debt legally still belongs to the original creditor.

 

I suspect Lowells have bought the debt legitimately, so it might be worth writing to them and saying you have received no NOA from the OC. Until you do so, you have no choice but to continue your long standing arrangement with the OC. Once you receive the NOA then you will, of course, transfer this payment across to Lowells. I wouldn't even mention the possibility of any changes in payment or whatever, just assume the same payment will transfer across once everything is in order and let them approach you if they're unhappy with this.

Link to post
Share on other sites

As above. When a debt is sold you should receive a goodbye from the original company and a hello from the DCA.

 

Tingy is this correct?. As i have never ever received a "Goodbye" letter from an OC regarding debt transferral under an NOA!. As far as i'm concerned it's always the new owner who acknowledges the purchased debt.

 

Regards

 

PB68.

Link to post
Share on other sites

Same here always the DCA that introduces themselves as the new owner. Have had NOA on OC headed paper, but they were never been sent by the OC, I even sent a copy of one of these back to Barclaycard and asked did they sent it,, they said no, the new owner did, but as this was 1st Credit what do you expect.

 

By the way, I am now the new owner of your outstandig balance, payment must be made within 2 hours of reading this letter.

This assignment is valid if not even read by you.

 

Failure to pay will result in me throwing my toys out of the pram. This will initiate engulfment of your letter box with senile drivel of action that will never take place.

 

Anyone can say they own your debt, but doesn't say they do legallly

Link to post
Share on other sites

Sincere apologies folks,

 

The goodbye and hello letters may well come together in the same envelope as your NOA, nut nonetheless there should be your NOA "Goodbye" from the OC even if the new DCA actually sends it.

 

Hope this makes sense now. Sorry!

Link to post
Share on other sites

Hi and welcome to CAG

 

If you have had no notice from your original creditor that this debt has been sold (who is the OC?) then I would continue paying them until such time you get confirmation from them.

 

Once you get that, continue making the payments you have already agreed to. Lowells can do nothing to you (apart from taking you to court and they would look silly when you are paying)

 

If you have had charges put on your account then a SAR to the OC would be useful

 

thanks for reply , appreicated , sent 28th feb caa and query about doa request and prove it letter, to lowells and sar to cap one the original oc , recieved reply today from lowells today 4th march , no mention of prove it , no deed of assignment , and claims noa sent 8th feb and said they will contact cap one for cca and will get back to me shortly hopefully in 12 days time frame, is this standard reply and what should i be doing next ,thinking of asking oc for doa next and since i did not recieve the noa push lowells to provide proof of posting.:???:

Link to post
Share on other sites

A deed of assignment you will not get, only a Judge can demand sight of this, what you are referring to is a Notice of Assignment (NOA), this should come up in a SAR to the OC.

 

Whenever such a laughable outfit such as Lowlifes make contact, the first response is to ignore them, then if they persist, a No debt Acknowledged letter should be sent putting them to strict proof of the alleged debt.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

thanks for reply, is that 'the prove it letter' you refer too? also do i need to ask for £1 postal order back has the dca are not suppling this, it will come from the oc they are asking it from? thanks

Link to post
Share on other sites

In my opinion, it's pointless sending a 'prove it' letter as you have already sent the CCA request. If it wasn't your debt then a prove it letter would have helped. What you are after is proof that Lowells have the right to be chasing this debt and you have done that with a CCA request.

If they haven't supplied the agreement (or a reconstruction of it) within the 12 working days then you can put the account into dispute.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

In my opinion, it's pointless sending a 'prove it' letter as you have already sent the CCA request. If it wasn't your debt then a prove it letter would have helped. What you are after is proof that Lowells have the right to be chasing this debt and you have done that with a CCA request.

If they haven't supplied the agreement (or a reconstruction of it) within the 12 working days then you can put the account into dispute.

 

thanks silverfox,suspect wont get the cca back in timeframe , will definetly send letter in dispute strightaway , aslo should i not mention yet that i had not received the noa yet which they claimed to sent in feb, keep it back UNTIL after they replied to dispute letter:???:they have to prove of posting -rec/del of that action i believe ,

Edited by bezzy0_0
spelling
Link to post
Share on other sites

  • 1 month later...

Hello everyone , i have in been letter tennis with cap1 couple months now about my cca but more important they have been not responding in any way to my cputr 2008 request letters(no surprise there then) has to do they hold a current enforcible cca , (sorry dont have a scanner)had a reply from head of execuitve response centre which says:

 

i acknowledge that you are directing our attention to the consumer protection regulations 2008(CPUTR).i can confirm that we have in no way misled or decieved you and we are not going to change our postion. is this misdirection tactics?, has i feel i am still justified pursuing them to answer the question put to them corrrectly and in full? they have still in my opinion not answered that they do indeed hold a current enforcible cca.

 

As i mentioned earlier in my previous letter , you now have the option of contacting the financial ombudsman.Although we have provided you with their contact details, it is our understanding the financial ombudsman service may choose to not consider your case has issues regarding the enforcibility of consumer credit agreement would better considered by a court.i must now inform you that any futher contact we recieve from you on this subject will be acknowledged but we will not enter into any further correspodance.

 

well if they wont answer cputr question and will not enter into any further correspondance , where do i go from here with them , still push for proper answer with no replys from them ?:???:

Edited by bezzy0_0
spell
Link to post
Share on other sites

Do the same back to them, send a final Account in Dispute letter, and add a similar paragraph on the end of it as in theirs! Personally I would send it recorded delivery and make sure you keep their letter, and a copy of the notice of receipt of your letter as posted on the Royal Mail tracking website.

Link to post
Share on other sites

  • 2 weeks later...

Hi Bezzy,

 

When you say you have been playing letter tennis with them, have you sent an official request for your CCA with the required fee of £1.00 and have they responded?

 

How old is your Cap 1 account?

Link to post
Share on other sites

Hi Bezzy,

 

When you say you have been playing letter tennis with them, have you sent an official request for your CCA with the required fee of £1.00 and have they responded?

 

How old is your Cap 1 account?

 

hello , thanks for reply, my cap 1 account is around 10 yrs old approx and i stop paying very recently, yes, i sent sent cca request with the £1 fee

Link to post
Share on other sites

bezzy

have they actually previously made any misleading statements etc?

afaik the cputr doesn't actually require any 'statements', re 'enforceability' for eg, to be made upon request?

legal enforceability of an agreement etc is for the courts to decide. and, the fos *may* not get involved in such legal issues?

an accurate 'reconstitution' would prob satisfy a cca request.

imo

Link to post
Share on other sites

bezzy

have they actually previously made any misleading statements etc?

afaik the cputr doesn't actually require any 'statements', re 'enforceability' for eg, to be made upon request?

legal enforceability of an agreement etc is for the courts to decide. and, the fos *may* not get involved in such legal issues?

an accurate 'reconstitution' would prob satisfy a cca request.

imo

well not misleading has such,i am quite aware that they have satisfied my cca request with there reconstructred copies, but my question was that they are very reluctant to answer any question put to them direcly to do with cputr 2008 (which makes very suspious off them- why dont they answer) , if they had an enforcible cca would it not be so simple to state that in a reply, esp that i am asking do they currently have properly executed original cca, has my agreements are around 9 to 10 years old.

Link to post
Share on other sites

..why dont they answer..

 

 

 

because they don't have to!

and also, ordinarily they prob won't because it is for a court to decide upon the enforceability of an agreement in the circumstances. but, if a dca/oc does happen to make a misleading statement etc re enforceability etc then they may be in breach of cputr?

is there any chance that it is statute barred?

any charges/missold ppi involved?

also consider s127 and/or s140 cca

the reconstitution has to be accurate? (see for eg the Kotecha case)

is the default notice compliant?

imo

Edited by Ford
typo
Link to post
Share on other sites

I agree with Ford.

 

Cap 1 produced 3 different lots of T & C's for mine and none of them tied up with what would have been the original as the interest rate was different, which was confirmed by statements produced when they responded to a SAR.

 

They have been quiet for a very long time now but I guess that is because they owe me more back and I haven't pursued them.

 

If you haven't already, have a read of some thread relating to Cap 1 and you will quickly realise that they will NOT answer a direct question, only issue letter full of gobbledegook!

Link to post
Share on other sites

I agree with Ford.

 

Cap 1 produced 3 different lots of T & C's for mine and none of them tied up with what would have been the original as the interest rate was different, which was confirmed by statements produced when they responded to a SAR.

 

They have been quiet for a very long time now but I guess that is because they owe me more back and I haven't pursued them.

 

If you haven't already, have a read of some thread relating to Cap 1 and you will quickly realise that they will NOT answer a direct question, only issue letter full of gobbledegook!

thanks for that dotty and ford , appreciated, will go through cap1 threads again more closely, even though been on this great site a little while ,so much input to take in ,and i will purchase a scanner and put up what all they have sent me in there replys in regards to the cca request.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...