Jump to content


  • Tweets

  • Posts

    • Better version attached with the late appeal explained more clearly for the judge. This will sound silly, but I think it would be a good idea to e-mail it to the court and UKPC on Sunday.  It's probably me being daft, but Sunday is still March, and as it's late, sending it in March rather than April will make it sound like it was less late than it really is.  if you get my drift. You can still pop in a paper version on Tuesday if you want. E-mail address for the court: [email protected] And for UKPC: [email protected]   [email protected] Defendant WS.pdf
    • Update 15th March the eviction notice period expired, and I paid my next month rent along with sending them the message discussed above. After a short while they just emailed me back this dry phrase "Thank you for your email." In two weeks' time I'm gonna need to pay the rent again, and I have such a feeling that shortly after that date the contracts will be exchanged and all the payments will be made.  Now my main concern is, if possible, not to end up paying rent after I move out.  
    • they cant 'take away' anything, what ever makes you believe that?  dx  
    • The text on the N1SDT Claim Form 1.The claim is for breaching the terms and conditions set on private land. 2. The defendant's vehicle, NumberPlate, was identified in the Leeds Bradford Airport Roadways on the 28/07/2023 in breach of the advertised terms and conditions; namely Stopping in a zone where stopping is prohibited 3.At all material times the Defendant was the registered keeper and/or driver. 4. The terms and conditions upon  entering private land were clearly displayed at the entrance and in prominent locations 5. The sign was the offer and the act of entering private land was the acceptance of the offer hereby entering into a contract by conduct. 6.The signs specifically detail the terms and conditions and the consequences of failure to comply,  namely a parking charge notice will be issued, and the Defendant has failed to settle the outstanding liability. 7.The claimant seeks the recovery of the parking charge notice, contractual costs and interest.   This is what I am thinking of for the wording of my defence The Defendant contends that the particulars of claim are vague and are generic in nature which fails to comply with CPR 16.4. 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. 1. Paragraph 1 is denied. It is denied that the Defendant ever entered into a contract to breach any terms and conditions of the stated private land. 2. Paragraph 2 and 4 are denied. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was only contracted to provide car park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. 3. It is admitted that Defendant is the recorded keeper of the vehicle. 4.  Paragraph 6 is denied the claimant has yet to evidence that their contract with the landowner supersedes  Leeds Bradford airport byelaws. Further it is denied that the Claimant’s signage is capable of creating a legally binding contract. 5. Paragraph 7 is denied, there are no contractual costs and interest cannot be accrued on a speculative charge.   I'm not sure whether point 4 is correct as I think this side road is not covered by byelaws? Any other suggestions/corrections would be appreciated.
    • Dear EVRi parcelnet LTD t/a evri   evri parcelnet isnt a thing also you say defendant's response which is a bit of a weird format.   Something like   Dear EVRi, Claim no xxxx In your defence you said you could not access tracking. Please see attached receipt and label Regards
  • 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
  • Recommended Topics

£2993 Debt Vanquis Credit Card - Need Payment Plan


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2025 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

Afternoon Everyone.

 

I've been reading other peoples threads regarding Vanquis and have come up with good information but have decided to make my own thread to be able to keep track of this and to add to the information hopefully,

 

I also have questions.

This is my only debt apart from my student loan

it is large and I am worried it will ruin my credit score,

 

I would like to get a debt plan for something that I can afford and then maybe make them an offer when I can to have the debt wiped with no CCJ.

 

I owe £2993 with a limit of £3000 as of yet I havent missed a payment since the account was opened in late 2014,

I have up until 2 August 2018 to make a minimum payment of £151 but that will be dificult..

I would like to get the account frozen and then work out an affordable way to pay.

 

One thing I have read on another thread about dealing with Vanquis that it is wise to pay for a Subject Access Request for all my statements,

I think that would be a good idea because my account has always been paperless and the online ones only go back for 12 months..

 

I have also noticed that while browsing a couple of them that there are lots of charges every month like;

Purchase Interest, Cash Interest (But I have never ever borrowed cash against my card), Promotional Purchase Interest, Cash Advance Fee (Again, Never taken cash)

 

I have also seen PPI being discussed but I'm not sure whether that applies to me.

 

What should my steps be to solve this mess,

Learn from it and eventually move on?

My printer is at the ready,

 

Thanks in advance everyone,

 

L.

Link to post
Share on other sites

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

I don't think there is anyway you are going to avoid a trashed credit file if you don't pay by the due date.

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

yes

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

First of all, Thankyou to each and every one of you that spent time to reply to me with good information on what todo next,

 

I have sent my Subject Access Request to Vanquis Head Quarters (Which correct me if I'm wrong its almost imposible to find on their official website.. Transparity is key people! Ha ha.

 

my question being,

While I've been waiting for some confirmation that the letter was received and also the information is being collacted to be sent back to me is my account frozen?

I notice my balance has increased by £120 for no reason that I can see..

 

Is there a seperate letter I need to send them explaining I can't pay,

I need to make a payment plan and the account needs to be forzen asap..

Can you guys help me again please?

After this I will never use Cred Cards again after this..

 

  • I will get these debts paid
  • 3 months emergency fund 9rent,bills,living expenses
  • Then working onto Financial Independence

Thanks again,

 

Vanquished.

Link to post
Share on other sites

pro rata offer if they freeze int and waive charges

in the debt collection section of the library

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

  • 4 weeks later...

Thank you both for your help there, I've written and got the letter in the post.. My plan is hopefully pay a direct debit of £10 a month or similar? I'm unemployed at the moment and have limited private income, Less than £200 comes into my account per month.

 

 

I'm off to work in Morrocco though in November so I don't know when I will be back into the UK, But will eventually so I don't want a CCJ or whatever on my record? So I was thinking of paying the payment nd then when they sell the debt make the debt collector a lump offer of around 15% say?

 

 

Is that optimistic? I don't want to say too much but I do own property but not in my name. Weird situation maybe but I'm not quite a grown up yet and they didn't teach me anything about finance in school.

Link to post
Share on other sites

IF something was sent to the address you are at now whilst abroad would you be quickly notified of it?

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 for sure, I will be in direct contact and be able to email/print and send a letter.

 

 

I'll update when I get a reply from them, Do you think they will sell the debt after awhile?

 

 

Then I can possibly offer a lump sum payment after some extended time.

 

 

It's a shame I've done this, my credit history was just getting as good as everyone else in the area according to Noddle.. But when I pay a percentage payment to the creditor that gets marked as 'Settled' on my credit report right?

Edited by Vanquished_
Link to post
Share on other sites

well then i'd let it run

and no my username is nowt to do with bikes...

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 have received a letter today from Vanquis, It says nothing of the letter I sent them.. This letter is obviously a response of type because I have never received a letter from them before

(So far I've only missed one months 3 weeks of minimum payments)

 

The letter says;

 

Expiry of your promotional interest rate

 

Dear so and so,

 

Your promotianl interest rate expires 1-10-2018 and we want to remind you what will happen to your balence if you dont pay the balance in full before 1-10-18

 

The rest is saying now you owe £3104.63 in total and a minimum payment of £410.40 and they are ramped the interest rate upto 19.9% PA

 

Wow.. So they obviously got my letter and thought, Lets up his debt instead of freezing it even though i've lost my income and including my budget.

 

What do I do now in your opinion?

Any help is needed because I really need to get a payment plan in place here this is crazy.

Link to post
Share on other sites

Morning everyone,

I was wondering if anyone had any input on this,

 

I have just received a text saying that I ow owe £532.74 this month so they clearly have disregarded my letter and budget sheet.

 

Should I make a call to them?

 

I just want them to freeze interest, and make a payment plan that I can afford..

Anyone with any advice?

I really want to tackle this today its been almost 7 weeks I havent made a payment to them.. I would rather deal with them before they sell the debt.

 

My total amount owed now stands at £3200

Link to post
Share on other sites

Send the second letter from the dca section of the library

 

£1 only now as you've failed to help me

 

Ideally when you propose an offer you should start to pay it not await permission

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...