Jump to content


  • Tweets

  • Posts

    • Actually there wasn't a massive amount of work to do on the WS.  The "meat" was there because of the great work you'd already done. Here is a version which I think is nigh-on finished. However, with Easter there are a few days for the other regulars to suggest tweaks. Defendant WS.pdf
    • Hi all, We bought a part to fix our washing machine approx 13 months ago direct from the manufacturer of the washing machine via phone. This part then failed 13 months later, as confirmed by their own engineer, who was sent by the manufacturer (who is also the retailer for the part) FoC. The engineer actually installed a replacement part, the machine came back to life, but they then removed the part used for testing (and ours reinstalled) as "we would be charged for it". The retailer are refusing to replace the part, stating that they only warranty parts for 90 days. When I stated that I believed the Consumer Rights Act gives me longer than that, they insinuated that it did not, and this was repeated by many representatives. AIUI for goods bought more than 6 months ago, I need to get an engineers report to confirm the part has failed? Or that it has failed due to manufacturing issues? Or would the companies own engineers report suffice? Also, does anyone have any other decent contact details for Hotpoint (or the Whirlpool group)? Thanks, GH
    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
  • 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
      • 160 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

PRA Group Phone call about very old GE Store Card 'debt'


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

Thread Locked

because no one has posted on it for the last 2938 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

Hi Guys,

 

I am slightly confused as to what to do. I will explain the situation below and then explain the confusion. Any help/advice would be more than appreciated.

 

I received a phone call yesterday on my mobile phone from a lady called AMY from the "PRA Group".

 

 

She claims that I have a "G.E.Capital bank store credit card" debt of £310.91.

 

 

I am not aware of this debt and told her as such.

She told me that I apparently took this agreement out in 2002

and that they had owned the debt (as mckenzie hall) since 2007.

 

 

She told me that after the name change/merge all files were being revisited.

I advised this was the first I had heard about it and took the relevant details

and told her I would be writing/emailing them shortly.

 

 

I have looked through my records and I definitely have no records relating to this.

I have even gone onto my credit report and nothing there shows any reference to a

g.e.capital account, mckenzie hall account or a PRA Group account.

 

As far as I am aware I have never had such a debt nor never even been contacted about such a debt.

I was going to send them a prove it letter,

however, this is where the confusion lies,

after reading some posts on here it seems to suggest it is also statute barred (if it exists at all).

 

What is the best way to proceed?

Should I send a prove it letter?

A Statute barred letter?

or a combination of both?

 

Any help would be greatly appreciated.

 

Kind Regards

Link to post
Share on other sites

it should be SB depending on when the last payment was made....personally i would treat it as SB and email them stating so.....also inform them should they persist in chasing you for this that you will raise a complaint with FOS......funnily enough I've had a text from them asking me to make a payment - for what and for how much is anyones guess, also been getting phone calls from them but not yet answered, could be chasing me for an SB debt also

Link to post
Share on other sites

Hi Neil6534,

 

Thanks for the response. I thought that initially, then I was worried if that seems to suggest I am admitting it is my debt but it is statute barred. Or does that make no difference? As it is statute barred does that mean they can not put negative stuff on my credit file?

 

Thanks again for the help

Link to post
Share on other sites

if its sb they can chase you as much as they like, within reason otherwise it becomes harassment which they can be done for too.....if it is sb they can not affect your credit file, they can not threaten court action, if its sb you dont need to admit anything tell them it is sb and tell them to leave you alone

Link to post
Share on other sites

In looking for a basic template on Google The Money Saving Expert Forums came up with a hybrid that I used. I would post a link to it but I am unable to as a new user. The template I used is below. I will get back to you guys with a response (if and when I get one). [edit]The bolding does not show up on the one below[/edit]

 

[removed] - dx

 

Thanks again

Edited by triageuk
to advise formatting different
Link to post
Share on other sites

ignore them.

 

 

if they want to be stupid enough to issue a claimform

the sb defence will kill it dead.

 

 

I'd have a little fun with them if I were you.

and record the call if they ring back.

 

 

they cant threaten court, if they do they are in trouble.

 

 

and you simply fwd the recording to the FCA.

 

 

they have been fined by the FCA before about such claims when pra was known aKtive capital or whatever

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

just remember

a DCA IS NOT A BAILIFF

 

 

and have NO such LEGAL POWERS

 

 

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

better people don't get enticed into sending pointless letter

simply invites letter tennis with these fleecers.

 

 

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

Don't whatsoever get into a dialoque with these people!

 

You can't claim SB on something you know nothing about.

 

Don't take any more calls from them either, just wait for them to write and post on here if you receive anything from them.

Link to post
Share on other sites

They have written back to me.

 

They have placed all activities on hold and are "looking into it". They have sent me information on their complaints procedure and how to complain to the fos, csa e.t.c.

 

so awaiting further contact at the moment

Link to post
Share on other sites

  • 2 months later...

I have had a final resolution. They apologised but were not aware of the circumstances. They agreed it was staute barred and have no copy of the original agreement. All collection activities will cease immediately and the case will be closed.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...