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 02/01/2023 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 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, 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 
        • 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

2007 Endeavour (HFC) secured loan - sold to Sancopia/moorgate now Idem - balance never reduces.


ashee27
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2012 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 i am really struggling and hope that someone here can assist me !

 

I originally took out a secured loan with Endeavour finance in 2007 for £20k and have been paying it back since

 

it was then sold onto Moorgate/Sancopia with no written information provided to me ,

and from looking at the land registry sancopia registered a charge on the property in 2013,

 

despite years of payments my balance is just increasing and not decreasing .

i have previously made a SAR to moorgate and they have sent me a photocopy if my agreements with endeavour.

 

My question is this

how can i deal with this debt

i am no longer working as i am a carer for my mum who has dementia

 

this debt is taking over my life and its never reducing!

should i ask for a copy of my original agreement

or can anyone help me deal with debt in a better way?

 

any help would be appreciated

Link to post
Share on other sites

Send endeavour an sar

Get all the statements

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

  • 3 weeks later...
Send endeavour an sar

Get all the statements

 

And did you take out PPI on this?

 

Who are you paying?

 

Have you been receiving statements of account aver year??

 

Did you acknowledge the claim? Did you defend it?

 

Have you moved since you took out the loan?

 

Wasted £10 sending a powerless DCA a SAR.

 

Moorgate, Sancopia are the same, well all of them are part of the Paragon Group .

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

  • 2 months later...

Hi sorry for going AWOL i have had a very tough time with my ill mum and hospital stays etc

, i have found an old copy of the loan papers and in response to the following

And did you take out PPI on this? NO

Who are you paying?

Its all got even more confusing

as recently idem servicing have started contacting me and they have reduced the debt to 16,516.05 when previously it was never decreasing.

 

 

They have also sent me a statement on request and it shows loan payments and charges etc since 2007-2017

my balance in 2015 was 16,157.69 and is just increasing

 

 

i cant get my head around whats happening.

now the loan has been passed onto idem servicing who are writing to me to advising me to pay them via payplan who they have partnered with.

Have you been receiving statements of account aver year?? no i have not received all statements i made a request and received some old ones

Did you acknowledge the claim? Did you defend it? there has been no claim

Have you moved since you took out the loan? yes i have moved over 9 years ago

 

what can anyone advise me to do in these circumstances where im being passed from one loan compnay to another and my debts not decreasing despite me paying!

 

i would really appreciate some help as all of my benefits are going on paying these loans

Link to post
Share on other sites

I smell a cash cow here.

 

 

get an sar running to endeavour

get all the statement etc.

 

 

you keep saying loans?

so there's more than 1 you are paying.

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

Hi thanks for your fast response.

 

once I get a SAR request sent then what will that enable me to check?

 

I have copies of the loan agreement and some statements from 2007- 2015 which were sent to me last year ,would that be sufficient or do I need to do a SAR request.

 

yes when I refer to loans these are other unsecured debts I have sorry for any confusion

Link to post
Share on other sites

can you scan up the paperwork you have please

to ONE multipage PDF

follow the upload

 

 

I would sent the sar and get ever piece of info from everwhere.

 

 

as for your other loans..hope you are not blindly paying DCA's on those

and if you are...have sent them a CCA request?

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

Hi

I have attempted to follow upload instructions and hope this is correctly done so?

 

When searching through docs I see that my sister requested a SAR a while back, all the attached documents are what we have received from Moorgate when she did the SAR, the loan agreement is one we have kept from endeavour years ago.

 

This is all the information that was sent in that SAR.

 

as for your other loans I have requested documents and am utilising a debt management plan till I can tackle each debt.

 

Your help is greatly appreciated

 

Loan Agreement And Statements Private Info Deleted.compressed.pdf

Link to post
Share on other sites

id still be getting an SAR off to HSBC cause we need the comms log as well as HSBC statements

something is not right esp around late 2008/9 interest payment appeared to double then.

 

then the sell off to Moorgate and the sell off to idem

smells badly

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 will send of an SAR today to HSBC and see what they come back with , not sure if its going to be any different to what I already have but will see. And update on here when its arrived

 

 

Thanks again

Link to post
Share on other sites

you don't have the comms log /account log

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

  • 1 year later...

Hi there... after practically a year of going back and forth and numerous complaints i have been sent some limited documents from HSBC which have been sent to my sister who is a joint person on the loan, could you please advise for further assistance will i need to updload all these documents? or given the time frame should i start a new post.

 

Thanks

Link to post
Share on other sites

ONE multipage PDF only please!!

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

the loan cant be fair not compliant

 

the interest per month is only £60ish less that the monthly payment.

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

nor compliant. sorry.

 

was there a charge there from endeavour before the name got changed to Moorgate?

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

  • 2 weeks later...

Hi

 

I am not sure if there was any charge before it was changed to moorgate this loan has changed so many companies's its hard to keep track,

how would i find this out and if there has been what does that mean?

Edited by dx100uk
quote/spacing
Link to post
Share on other sites

you can order a full copy of your deeds from the land registry site for £3 I think

make sure you use the .gov.uk site not a Sc@mmers fake site that charges more.

 

you need to get ahold of everything everyone holds on you

 

might pay you to go read the recent threads in the blemain forum too

certain loans are turning up as being possibly unenforceable

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

  • dx100uk changed the title to 2007 Endeavour (HFC) secured loan - sold to Sancopia/moorgate now Idem - balance never reduces.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...