Jump to content


  • Tweets

  • Posts

    • I can only speak from personal experience. But a similar thing happened to me. Seriously dented door.  I made the other insurance pay. They regarded it as a write off. Took the money, replaced the door. Never heard anything more about it.    Except clearly someone sold my details to claims company, because I got loads of calls in bad English for a few month's 
    • The incident was 03rd March 2024 - and that was the only letter that I have received from MET 15th April 2024 The charge I paid was at the Stansted Airport exit gate (No real relevance now - I thought this charge was for that!!).   Here is the content of email to them (Yes I know I said I was the driver !!!!) as said above -  I thought this charge was for that!! "Stansted Airport" Dear “To whom it may concern” My name is ??  PCN:  ?? Veh Reg: Date of Incident: 03rd March 2024 I have just received a parking charge final reminder letter, dated 10th April 2024 - for an overstay.  This is the first to my knowledge of any overstay. I am aware that I am out of the 28 days, I don’t mean to be rude, this feels like it is a scam My movements on this day in question are, I pulled into what looked like a service station on my way to pick my daughter and family up from Stansted airport. The reason for me pulling into this area was to use a toilet, so I found Starbucks, and when into there, after the above, I then purchased a coffee. After which I then continued with my journey to pick my daughter up. (however after I sent this email I remember that Starbucks was closed so I then I walked over to Macdonalds) There was no signs about parking or any tickets machines to explains about the parking rules. Once at Stansted, I entered and then paid on exit.  So Im not show where I overstayed my welcome.. With gratitude    
    • Just to enlarge on Dave's great rundown of your case under Penalty. In the oft quoted case often seen on PCNs,  viz PE v Beavis while to Judges said there was a case for claiming that £100 was a penalty, this was overruled in this case because PE had a legitimate interest in keeping the car park free for other motorists which outweighed the penalty. Here there is no legitimate interest since the premises were closed. Therefore the charge is a penalty and the case should be thrown out for that reason alone.   The Appeals dept need informing about what and what isn't a valid PCN. Dummies. You should also mention that you were unable to pay by Iphone as there was no internet connection and there was a long  queue to pay on a very busy day . There was no facility for us to pay from the time of our arrival only the time from when we paid at the machine so we felt that was a bit of a scam since we were not parked until we paid. On top of that we had two children to load and unload in the car which should be taken into account since Consideration periods and Grace periods are minimum time. If you weren't the driver and PoFA isn't compliant you are off scot free since only the driver is liable and they are saying it was you. 
    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
  • 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

1st Credit and 'Simply Be' account with JD Williams


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

Thread Locked

because no one has posted on it for the last 2126 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 have a 'Simply Be' account with JD Williams which has been repaid at a reduced (interest and charge free rate) rate for the past 2 years or so, they agreed to this when we contacted them to say we were having financial troubles.

 

I have repaid each month without fail

i guess the debt isnt reducing fast enough for them as they appear to have recently sold the debt to '1st credit'.

 

A letter arrived from 1st credit saying that they are now the legal owner etc and that payments are to go to them now.

 

I don't want my credit rating to be affected and i know the debt is owed but can i make an offer to them to pay it off at a reduced lump sum or is it just best to pay as we have been?

 

I hadn't heard of 1st credit so am a little wary of dealing with them, hopefully someone can advise.

 

Thank you

 

H

Link to post
Share on other sites

  • Replies 100
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi HC and Welcome to CAG

 

I have moved your thread to the appropriate forum were you will get the best advice on how to deal with this.

 

Judging from your 1st post you have a lot to learn and need to read a few threads involving this DCA.

 

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Plenty in this forum and the Financial Legal forum for you to research...you can also search 1st crud by typing it into the search box (top right under our Logo)

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Just in the process of searching/reading as i type.

 

Although this is my first post (above) i have 'lurked' on the forums for many months so consider myself to have a fair bit of knowledge on debt issues etc,

 

this is the first time i have come across 1st credit however, hence my question.

 

I would send a CCA but as i say i really dont want them to start applying late reports etc to my credit file as it's quite stable at the moment.

 

So not sure which route to take with them, i know for sure that speaking to them on the telephone isnt an option, the calls began today!

 

Thank you

again

Link to post
Share on other sites

Well a CCA section 78 request is a must for starters...this puts them on notice that your not going to be harassed into paying something that may not be outstanding.As for markers the default can only show for a max of 6 years anyway...irrespective of who now legally owns the debt.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

when did you take this account out?

is is showing on your credit file?

if so what is the defaulted date?

 

 

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

OK thank you Andyorch - that makes sense.

 

I have just checked my Clearscore account and that shows everything up to date,

no missed payment whatsoever

 

- not sure if that means anything but what im trying to say is that its not showing as in default as yet.

 

if i get a CCA in the post

- i highly doubt they will comply within the given time but is it best to keep up repayments or wait until they respond to the CCA?

And can they smear my credit report in the meantime?

Thank you so much - i really appreciate it

 

Hi dx100uk, sorry my post crossed i think.

 

The account was taken out in 2010,

its showing on clearscore as everything up to date,

no missed payements and no defaults...

Link to post
Share on other sites

Yes if your happy to continue to make payments and see what comes of your request.......if they cant comply then you can reevaluate.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

you mentioned in your opening post that the charge fee rate has been reduced.

you are probably paying a lesser level of unlawful charge than before.

That doesnt make it lawful,

 

get calculating what you have been charegd and recalim it.

 

Also interest on fees isnt applicable as that is not part of a loan or credit agreement

I bet they have charged interest on these fees.

Something else to reclaim.

 

If the debt has been sold on then 1st Crud will owe you the money.

Wont that be fun to make them pay out more than they can earn from the debt

Link to post
Share on other sites

hi ericsbrother,

yes due to financial issues

we offered them a set amount each month (on the condition that interest and fees were on hold)

 

they agreed so we have paid that ever since.

 

Is that what you meant?

there may have been late payment fees added to the account before that but im not sure how i'd find out,

 

can i ask 1st crud (love that!!) for a statement etc?

or do i need to do a SAR?

 

Thank you for your post

 

H

Link to post
Share on other sites

you should have been receiving annual statements from the outset.

If you dont have these then you can submit a SAR to get them and any other info from JDW.

 

Costs a tenner but it will help you enormously to know exactly what you owed at the default date, what charges were added etc and what the outstanding balance is supposed to be now.

 

As 1st Cud own the debt,

any repayment of unlawful charges and interest comes out of their pocket!

Link to post
Share on other sites

  • 2 months later...

hello,

 

A quick update, I have recieved a 'response' to my SAR. However it contains only the following:

*Copy correspondence

*Notice of assignment

*Copy 1st Credit payment history

*Copy system notes

 

There is a note which says 'we can confirm that the following are not currently held by 1st credit and therefore have not been provide: copy of the credit agreement and copy statements. If you require these we can request these from the original creditor upon your request.

 

 

They have not placed the account on hold whilst they drag their feet providing this info.... so im still paying at the mo. I'm guessing i reply and tell them i need the info i originally requested? Thanks so much for everyones help so far!

Link to post
Share on other sites

sar should have gone to the original creditor

as it says in post 13

 

CCA request to 1st credit

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

yes ofcourse you can.

 

if 1st credit have failed your CCA request

then one wonders why you are paying them still?

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

so this debt is not showing?

 

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 would suspect this account is years old?

and was already defaulted by JDW more than 6yrs ago and has been removed under the 6yrs defaulted rule

so cannot comeback.

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 don't recall ever having a default notice,

i have been paying a reduced payment for a long time (at least 4-5 years) so thats probably why they sold it on,

 

to be fair to JDW they froze the interest so the debt has been genuinely reducing each month its just taken time.

 

Quite possibly in the early days when i first had difficulties there may have been fees added but its so long ago i can't actually recall so would need statements etc to verify that and 1st credit haven't sent them so if i start with the SAR to JDW and see what that brings?

 

Am i within my rights to request that they place the account on hold whilst i give JDW time to provide the statements and do JDW have to provide such info anyway now that the debts been sold on? sorry for all the Q's?

Link to post
Share on other sites

defaulted date should be on the closed account summary

 

pers id not be tell 1st crapit anything

 

they've failed the CCA

end of.

 

when did you open the account?

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

exactly you are learning.

are you sure you only opened this catalogue account in 2012?

that does seem correct with whats gone on.

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...