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    • If the legendary dx could offer his wisdom it would be greatly appreciated 
    • Hi there Manager for our soccer sixes team moved overseas mid season and we struggled for numbers so we told the ref about 5 weeks prior to seasons end that we would see out these games then be done and he told us he’d ’pass the message on to the relevant people’. Heard nothing, then 3 days prior to the new season beginning we were given our fixture for that weekend. Told the guy over text we had pulled out and the ref should’ve passed a message on but we were told sufficient notice wasn’t given and it needed to be in writing. I argued it’s not our fault the ref didn’t do as he said but we were countered by the T&Cs.    now being chased for what was £608 kindly reduced to £476 to pay off remainder of the season. Been sent a letter in the post from their accountancy team and told needs to be paid by Friday.   seen a lot of the other threads saying we can literally just ignore everything but im concerned about debt collections and credit score being harmed. Can anyone confirm if this all works/what we should do?   thanks
    • Hi,   I have given an official police witness statement for the prosecution in an upcoming criminal court case, and I am very anxious about what might happen.  Specifically regarding being cross-examined.  My statement is very short, and only a couple of paragraphs long, regarding a conversation I had with one of the victims.  I have tried to research online about what information about me the defence barrister might be able to find and use to discredit me.  I have by no means have a shady past but, I am concerned about what private information might be brought up, and as this is a case that will be in the national press as it is in the public interest.  The two preliminary hearings were reported in the papers.   I have tried to research  online what information the opposition can seek, but it is all very complicated.  I believe that they can legally access public records, but I'm not sure what information public records hold.  Can they access my medical records, educational history, HMRC, and Department for Work and Pensions? (I am a self employed sole trader).  I was arrested once, and this was unfortunately instigated by the victim in this case, so could well be of interest to them.  It resulted in no further action, however I have only discovered this week that that, in fact, this means I have a criminal record, and will be so until I am 100 (no chance)! This has really annoyed me to say the least, especially since I asked him afterwards why he rang the police and he said 'for a laugh'.  So I have started to look into applying for it to be deleted, but again, if anyone has any advice on this I would be appreciative. At the moment, my name isn't on the confirmed list to give evidence, but the detective I have been dealing with has said it is 'likely'. The names of the victims in this case will not be allowed to be reported, are witnesses fair game for the press? I really need no know how deep they can delve in to my life so I am prepared if my character gets assassinated in front of the nation. I really wish I'd never agreed to this.   Many thanks
    • A belated thanks dx. Yes I may take your advice regarding StepChange. I am finding that I am telling them (on behalf of my Son) the true balances outstanding? They never seem to check properly in which worries me. If I was to take on myself is there another way of dealing with various debts? I have already submitted other IRL complaints on his behalf. Today I have received a further response from Quidie T/A Fernovo confirming that they will waiver all interest paid.
    • Good evening  Case hearing this Friday 26/04. looking to have all my prep/papers ready.    just checking in to get update on my last post , ( the t&c’s attached). No name or address on them as per #49   thank you UCM  
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trade center wales and gocarcredit - want me to VT faulty car


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hello

any advise would be greatly appreciated.

 

6 months ago we bought a Audi a3 on finance over a 4year contract

 

after a few weeks the Audi started cutting out while driving and would roll to a complete stop

RAC called out recovered to a garage

 

after a week no faults were found and we collected the car this started happening on a weekly basis after an hour or so the car would start and go until it cut out again.

 

we got in contact with the car sales garage

they agreed to cover any costs as long as it was not caused through wear/tear

rang finance company and made a complaint.

 

after 5 & half months 3 different garages including Audi themselves and multiple RAC call outs nobody can find a reason to why this is happening.

 

call finance company to ask if I could vt the finance to which they informed me they hadn't started the complaints procedure the first time I complained (about 15 calls ago) and I only had 10 days left to be within the 6 months fix or replace policy.

 

the last 2 weeks of jumping through hoops more fault finding ideas, diagnostic tests, road test through main dealer (still no solutions) and letters from previous garages for evidence of fault as requested by them.

 

I received a call today saying as there not enough evidence to prove a fault they are going to close the complaint and allow me to voluntary terminate the finance agreement and there will be a bill of 5250 pound plus cost of recovering the vehicle as its unsafe to drive.:-x:-x:-x

 

I have no idea where or what to do at the moment so any advise on this would be great.

thank you for taking the time to read this

Edited by dx100uk
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don't tell me moneybarn?

 

utter coblers get them under CRA unfit for purpose

it was 1st reported within 6mts

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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after a few week?

was this within 30 days the 1st return/fault?

 

 

you don't need their vt pack

and you don't need a solicitor.

pers I wouldn't use vt but reject the car under cra

 

why should you have to pay anything.

 

thread title changed to reflect garage and finance co.

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

I agree. this is a first for me so im going to spend some time on educating myself on where I stand. before I make my next move.

the first RAC call out was 45 days after

Edited by novoice
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and either the retailer or the finance company were aware when it failed///

 

if so you are well within your rights to reject the whole thing - the 6mts clock stopped then, they cant forever keep trying to repair it and you can reject 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... 

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Share on other sites

I informed both at the time of the first instance and they both agreed to put in my local garage and they would cover the cost of any faults found as long as it wasn't down to wear and tear but after multiple attempts nobody can diagnose why the fault is still occurring.

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only get one chance to repair then you can reject it.

 

probably there when they got it as a trade-in I bet!

as I bet it was 2nd hand 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... 

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Share on other sites

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