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    • Just to clear it up, sorry I don't make sense sometimes. I have paid £4000 £1200 of that was suppose to clear the £1200 debt.   Meaning I have sent a extra £2800 on top of my normal mainternance money.   Thank you
    • Try CPR 31.15 Possibly but a party is not compelled to disclose any documents pre allocation
    • Hi, I shown my key worker a letter that was sent to me saying that I owe £1200, she setup a standing order around 2021, this was to pay back money I owed, with my mental health status I have had complex issues to deal with and I just simply forgot about this standing order so it has been running for about 3.5 years acording to my key worker, anyway I'm not worried about the money that was sent that I call a overpayment, it went towards supporting my child's household so I am just happy with that, I am a little sad that I am being told I still owe this £1200, I have sent bank statements over 3 years worth but they have not taken away this £1200 bill and still say I owe it   Thank you
    • She did try contacting EON in the early days of the debt but they refused to speak to her because she could not pass the security checks. She didn't know the answers on an account she hadn't opened?   I also saw this article recently which could be what has happended here: Debt collection agencies in the UK are using fair means or foul to link people to an address where an unpaid debt has been run up, sometimes years after they have moved out The Guardian Anna Tims Mon 22 Apr 2024 The letter from the debt collection agency arrived out of the blue, and it was intimidating. It informed Joshua Simpson* that he owed £2,212 to Octopus Energy, and accused him of ignoring previous requests to settle the bill. If he did not stump up within 14 days, he was told, further action would be taken to recover the money. Simpson checked his Octopus account – it was in credit. Then he noticed the address where the debt had been accrued between 2022 and 2023. It was his childhood home – which his family had sold 18 years previously. "Since I was only 16 when we left the property, I was astonished that they'd linked my name [to it]," he says. "The debt collection agency insisted I provide a tenancy agreement to prove how long I've lived at my current address. I couldn't, since we bought our home. "They are now actively pursuing me for this debt, causing me a huge amount of stress. We are about to remortgage, and if this debt prevents us switching to a better deal, we will face real financial hardship." Simpson had been sucked into the shadowy world of "identity tracing", whereby investigators recruited by creditors seek to locate individuals who have moved home without paying their bills. It is an unregulated sector where anyone can set up as an agent in a back room without a licence, or scrutiny, and use fair means or foul to identify debtors. Reputable companies join a trade association that operates a code of practice, but membership is not mandatory, and mistakes are common. Last year, a teenage boy was chased for a debt of more than £900 by debt collectors acting for the energy company Ovo. A "trace agent" had somehow linked him to the debt because his parents had previously rented the property in question. An investigation by the Observer established that the debt had been run up by a subsequent tenant. The consequences of mistaken identity can be catastrophic. Individuals who are erroneously linked to a debt face, at worst, court action, bailiffs and a ruined credit rating. At best, they can endure weeks of stress and paperwork in order to prove they are not the debtor. It is estimated that 20m identity traces are made in the UK every year, many on behalf of companies that are owed money. Personal data is often obtained from credit reference agencies, which record applications for credit, and details are supposed to be verified with several different sources before being used for debt enforcement. In practice, however, this does not always happen. Simpson's details had been passed along a chain of intermediaries before the demand was issued. Octopus had given the unpaid account to a debt collection agent, which had contracted a tracing service, GBG, to find the debtor................ Full Article: https://www.theguardian.com/money/2023/oct/04/a-cry-for-help-energy-providers-play-the-villain-in-dramas-to-chill-the-blood ..............The Financial Ombudsman Service, which investigates complaints about financial firms, states that debt collection agents have to produce convincing evidence to link an individual to a debt, rather than rely on names, addresses and birth dates. According to the trade association, the Institute of Professional Investigators, an unknown number of investigators and trace agents are operating below the radar. Many more are merely inept, as data protection compliance training is not mandatory. "We have been campaigning for many, many years to try to get all private investigators regulated," says secretary general Glyn Evans.
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Cancelling Used car order


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Hi there, I'm really stressed out and hope someone is able to provide some advice.

 

We went to a car dealership yesterday and viewed a used car. We were there with two young kids for 3 hours and, perhaps it was the fatigue and wanting to get out of there, ended up agreeing to the deal and signed an Order for the used car with a part exchange of ours. We left the car dealership at 3:30pm.

 

We now have cold feet. It's a huge amount of money and really regret it. My partner and i have rowed about this since last night as he wanted to sleep on it but we ended up signing as salesperson was very effective on me. I've tried to call them but the salesperson has the day off today so I've emailed and asked him to ensure no action taken on the car and I will call tomorrow when he's in.

 

The car literally arrived into their dealership on the Friday. We viewed the next day (Sat). Nothing has been done to the car yet to prepare it. It's not due to be booked into the workshop to prepare it for release and sale to us until Tuesday. I know this for a fact. So no expenses incurred except for 3 hours of the sales person's time.

 

I paid a £500 deposit to hold the car on Friday so we could view it on Sat.

 

I've read the Order terms several times. There is no cancellation clause (nothing to say I can or cannot cancel) and no mention of any deposit.

 

My marriage isn't worth breaking up over for this car so I'm going to cancel tomorrow.

 

Do you think the dealership (it's a respectable brand) will sue me over the balance?

 

Secondly, do you think I have any chance of getting the deposit back? There's been no expenses incurred on their side. At most, they would have lost viewings on the Sunday to any potential buyers but that would have been the case anyway had I booked my viewing on Monday (holding deposit stated to be fully refundable in that case).

 

Thanks in advance for any advice. Super stressed about this.

 

:((((((((((((

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You can cancel

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... 

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Thanks. Would the Order Form not constitute a legally binding contract to pay the balance? Whilst silent on the matter of cancellation and deposit, it does say it's a legally binding contract.

 

Also, what do you think are my chances of getting the £500 holding deposit back?

 

I feel like a complete twit to have allowed myself to sign on the day at this amount :( I'm dreading speaking to the salesperson tomorrow. What reason to give for the cancellation?

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You might have an issue because they could say it was signed on premise

Did you sign a finance agreement?

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... 

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Share on other sites

No finance agreement. It was to be a cash purchase so they've asked me to transfer the balance.

 

The only clause I can find in the terms which may be relevant is this:

 

Repudiation by the customer. If the customer does not pay for and take delivery of the vehicle within 14 days of notification that the vehicle is available for delivery, the Dealer shall be entitled to treat the contract as cancelled. If this happens....the Dealer shall be entitled to sell the car to another person...

 

Then it goes on to sat that they will refund the deposit less any expenses incurred in selling the vehicle plus any reduction in price sales achieved.

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