Hi Surprise I CCA'd and SAR littlewoods as I contacted the muppets at the DCA and Littlewoods and had it confirmed the debt was passed not sold. DM Ltd as far as i know are "in house" debt collectors with an attitude. CAB have had a look at the extracare and yes its verbal but should/must be enforced by a signed policy. My argument is a bit easier as the policy was void on the 3rd default so why charge my M I L for another two years. From the day it was passed to DM Ltd there were no further admin charges applied by them or Littlewoods.

Do you know the exact whereabouts of your car. I'm north of the M62,but i travel a lot. If you know where it is PM me and i'll happily go and get it back for you.

Hi Jaxads I to am going thru some shenanigans with Littlewoods on behalf of my mother in law. A tip if i may. If/when you SAR them have a close look for something called extracare or extracare 500. Basically its payment protection charched at 1.98% of the balance. My argument is on what authority do they instigate it and it states in the policy on the 3rd month of default, it ceases but they have charged my MIL every month for another two years for a void policy. Just over £500 handed to Debt Managers, £240 in charges, £178 in extracare. I've CCA them too and they default on tuesday if nothing comes. I spoke to debt mangers briefly to find out if the debt had been sold or passed to them and i put the phone down on them before i jumped in the car, drove to scotland and did something i'd regret. They were very ignorant to say the least. I have a thread going but the uptake was very slow but if/when i hear anything i'll let you know straight away. Good luck mate. OZ

The temptation is to get drawn into some verbal to'ing and fro'ing with you on this one NFMAC, but i would feel ashamed for deviating from the real meaning of this thread, which is without doubt the primary concern here.

Hi Rosie I was at a Pug Garages so i posed a few "what if" type questions to the sales manager. As i said i aint no legal eagle and this bloke wasn't either, he said they have guidelines from above to adhere to. I'm guessing some where up the food chain there is a legal type person who sets the guidelines. Basically they he says that if a punter buys a new car and it develops a fault then under warranty it has to be fixed. The dealer will do this on a major fault (Izzys is a major fault) 3 times. If it goes again it then goes of to HQ where a top man technition has a butchers at it. If after that it it goes again then it would need replacing for a NEW car as the new car sold was unfit for purpose. The only real time guideline that they look at is the reporting of the first fault in the cars first year. They also say that if the car has some kind of finance on it then the customer is in a better position because the fin house bears some responsibility too?? I guess this is more of a shop floor explanation as opose to board room level but sometimes they work.

Mr FP I think you are missing the point. Firstly this is not uncommon with Coup Cab type cars. As stated the car was bought new so izzzy needs to be hanging out for a new car replacement. I aint no legal eagle, i just deliver the things. What i can say is that your way of the mark with your monetary workings. Izzys car will go to another part of the country,(prob south coast as it has best coupe cab sales and prices) get fixed and be flogged at a grand less than new being 1 year old. Peugeot will take the hit on replacing the car not the dealer. If it was a washing machine you would be saying take it back to the store and get it replaced, i dont see a difference. In my view Izzy will get a "deal" out of the dealer. I was actually speaking today to a salesman who last year had replaced a 2yr old motor for a new car as they had had a recurruring fault for 18 months.

Is anybody aware of any outcome on this unfortunate case? I found it as i have been reading the ignorant and ill informed NFMac posts. Just trying to work out NFMacs purpose in life at the moment.

As far as the earlier posts go, i smashed my hand in Kosovo in 1999. Chopped a couple of fingers off which were sewn back on and had about 14 fractures in hand/forearm. Virtually from the outset i was told that broken bones are very susseptable to arthritus and i get a lot of pain and stiffness at this time of year. As far as the research posts go i continued my run of good luck in 2001 and was diagnosed with a brain condition! I spent a fair bit of time at the National Neuro Hospital in London and every single person i spoke to about research told me to check out all American websites. They said the States are generally a year or two ahead of Europe with regards to medical technology. Hope its a possible pointer for someone. Oz

Stornoway/DMD/bi15hgm Happy days to you all! Sensible banter, good points from all sides, with polite sensible discussion and all done amicably. The whole idea of the site in my view. Good to see after some of the moronic personal onslaughts that i've read over the last few days. IF i may add a bit! I try to look at it this way, for whatever reasons people challange these large companies, hopefully the upshot will be that they start to realise that THEY have to keep their house in order before hounding (in many cases) the general public. This site proves that bussiness administration in many companies is shocking. The sooner they learn that people are wisening up to their shoddy methods and sort their own procedures out then hopefully standards will improve for all of us. The days of we are bigger than you, do as i say not as i do are hopefully drawing to an end. Probably in many ways thanks to CAG and the people who use it.

Top of the morning to one and all!! Not a bad thread all in all, heated, argumentitive, thought provoking i would say. Not a bad thing in my view, thats the whole idea of a discussion forum is it not. My point in posting? Well the jist of this thread is about giving Bailiffs extended powers so as to be able to force their way into properties. As i read this thread i couldn't help but think of some of the places that i've been to over the last 18 years. Bosnia, Kosovo, Iraq, N.I., to name but a few. My point? Historically bailiffs like to believe that they are the physically stronger more aggressive and more threatening character. Some may say a bully. Preying on the weaker. Now we plan on giving them power to break in and "restrain you". I can assure you that controlled aggression is something that very few people have and it cannot be taught. Your stereotypical bailiff will now be coming to your house "physched up" and ready for you if you put a foot wrong. So what happens now that we have escalated the situation? Talking wont work because they (the Bailiffs) have used force, so to counteract their force, Joe Public feels the need to use force, the up shot in my eyes - People will die and or be seriously hurt. You may think that is excessive but let me take you back to some of the countries i've visited. The stonger characters forced themselves on weaker people and drove them from there homes. The weaker people fought back to the best of their ability. The press termed it "ethnic cleansing". I've seen first hand what "everyday" people are capable of doing when their homes, themselves, or their loved ones or their possessions are put at risk. I believe it will be a form of "social cleansing". You have it, we (the Bailiffs) dont believe you should have it, so we are going to take it by force. I know that i am capable of standing and smiling at someone if they spit in my face. I know i can repell an attack/assault if someone feels that way inclined, but more worringly, i know that if someone was to attempt to force their way into MY home unarmed or armed, legaly or not, then in a calculated manner which i felt neccessary, i would stop them. At the fear of singleing you out Blacksheep, i ask you to consider the real life day to day ramifications of these powers that you are condoning. In laymans terms, if i wanted to enter your home, aggressivly and with force, i could. For that particular scenario i am physically and mentally more superior than you. I assure you that you will not like it, so how are you going to stop me? You will have to use some sort of weapon. From a debt to a criminal record in a split second. How can these extra powers be of any use? I dont believe they can. Long winded load of old bo**ocks? Probably, but i'll let each forum member make their own mind up on that.

Hi Chris I hope you dont take this the wrong way mate but you must read the FAQ's first and get to know your way round the site before you embark onyour claim. EVERYONE is hear to help you mate but it helps if you have heads up at the step by step guide. Sorry if that sounded patronising but we would all be gutted if your claim failed because of an error the bank can jump on. Judging by your post and the mention of 40 days i'm guessing that you have sent them the S.A.R. to get all your statements. If you go into the HSBC Forum in the main Bank Action Group site, you can start your own thread and post all your questions and read other peoples posts. 90% of your questions are answered just by reading other posts. Good Luck Mate OZ

Well done on that hayley, but have you done as other posts suggested earlier and sent off the CCA request to see if Cap one have any legal right to be chasing you for the debt. Other than contravening Data Prot Laws why else did newmans get twitchy and send it back. Dont hold back Hayley keep striking away at them. Sparkie, I had a good old chuckle when i saw your post about them being in deep deep trouble. I've read your work before and i just knew what was coming. Dogs Bo**oxs well done mate.

Just an update as to what is happening with regards to my mother in law versus Barclays. I've not been to well over the last few weeks and i took my eye of the ball for a while. We hadn't heard anything from Barclays after we sent the Prelim letter and by rights i should have sent the LBA letter 2weeks ago, but as i said, i've not been to clever. Anyway last night, feeling good, i did the LBA and schedule of charges and had them ready to post this morning when Mr Postman brings us a letter from Barclays offering £785 (The claim is for £1510). I dont believe they should get away with half so do i amend the LBA to read that we will accept this £785 as a partial payment and then give them 14 days to cough up the rest, or do i phone them as some people have done in the past and say £785 isn't good enough. Also, this letter has come from Retail Banking Customer Relations in Swansea even though all correspondance so far has gone to Head Office address in London. Has anyone else had dealings with Swansea, and is there any reason why it would be switched to Swansea?

Hi Mate Unfortunatly if you were to Google CarCraft you would find countless horror stories. Is the finance a "motor loan" or a conventional HP agreement?. I'm sure there are people on here who know far more than me, but as i understand it, if its a motor loan then you dont have the same rights with regards to making 33% or 50% of the payments ( this was known in their trade as halves and thirds) like you do on a HP agreement. A lot of dealers now offer these motor loans because on a HP agreement you could hand the car back to the HP company and "walk away from it" with no stain on your record once you had paid 50% This was done because most cars on finance are in neg equity and this was a legal way to rid yourself of this neg equity. The finance houses then got pi**ed off at not being able to fully exploit joe public and they started these motor loans. Whatever the agreement, there has to be a better way than defaulting as this will bite your balls for 6 yrs.

I'm after picking some of the well versed brains that use this forum if poss!! Littlewoods market a form of payment protection called "Extracare". Its charged at 1.98% of your outstanding balance every 28 days. My question is, does this require a signed by both parties policy to be in place, or can it all be done verbally? Littlewoods are telling me that its all done verbally and if your not happy with it when you get your statements then phone and cancel it. Basically i was told that they are regulated by the FSA and that if they were doing anything wrong and i quote "someone farther up the food chain than me would have questioned it before". I'm certain that my wife has never asked for the cover and we have no paperwork or policy booklet on it either. In March 2005 this cover ceased to be on my wifes statements and when i asked why it stopped i was told that my wife had phoned and cancelled it. Two reasons i know this is untrue. 1. Thru an S.A.R - (Subject Access Request) i have the phone log and theres no logs of any calls for this period. 2. I believe my wife over Littlewoods. There whole attitude was cagey, unsure and ignorant which is making me suspicious, just wondered if anyone could confirm or deny what they're saying. Any thoughts appreciated guys.

Izzy Wizz I deliver these motors and this happens more than you would believe. Dont let them tell you that they cant source a particular make or model and dont put your hand in your pocket. I know of 3 cases where dealers have replaced Coup Cab cars thru dodgy roofs. Dealers will fob you off all the time because most people give in, but hang on in there and get a new car replacement from them. (After 1st march so you get the new plate!)

Hello Andrew1 What happened mate? Did your subbie mate eat the judge? Give us an update if your able to please Andrew! Oz

Hello Laiste For the first time in modern history i've missed Match of the Day sunday morning repeat! Why! Because your threads the dogs gonads!!. If that vain excuse Beckham is goldenballs, then you have gotta be "Great Big Huge Enourmous, Come and av a go if you think your ard enough Balls of Steel". Living proof and an inspiration to many of us of what can be achieved. Well Done! (Now, come on girl, get your ass up out of bed and get typing, or i'm gonna end up smokin again and using your thread as a guide will be forced to sue you for the price of 10 L&B and a box of matches!!!! ) Take Care Mate Oz

**Bump** Any insurance guru's who could give me a pointer or two?????? thanks guys:)

**Bump** Anyone????

Any ideas on the above guys, does anyone know if it will be in one hand and out the other? Thanks Oz

Hi Pam I did think about sending off a CCA request but i know that it will bring nothing up as the Dragon is adamant that everything to do with setting up the acct was done over the phone. Iread on this site somewhere about accepting goods at your address is you adhereing to their T&C's, Distance Selling Act spings to mind but i will try and find that thread again and double check it. As far as the DCA go, i put the phone down on them thanks to reading this site for the last three months and i knew it was standard bully tactics that works on the vunerable and scared and having had brain surgery i didnt want my rehab affected by the cr*p that was coming down the phone line! By the way the debt hasn't been bought by them, just passed to them Yes it was Littlewoods who made the £185 in charges so i shall prelim them today and wait for no reply! The insurance one is leaving me stumped. I downloaded the T&C's off Littlewoods site and went thru them last night and i believe that there are three angles it could be looked at: 1. Goin back to CCA request, surely insurance is seperate to a credit agreement and would require the policy holder to sign up to it?? If the Dragon hasn't signed up for it why have they charged her for it each month, is this allowed (is there any Mods,SH's, or insurance guru's out there that could clarify this for me please??????) 2. In my opinion had she been aware she had the cover (signed for or not she has been charged monthly for it) she would have been elidgable for it to pay out and none of this mess would have started. Can this be done retrospectivly? Could/should this have been pointed out by littlewoods when they phoned her and asked for payments. They knew the arrears were thru illness and the insurance payments are on their printouts every month? 3. In the T&C's it states that the policy becomes "Null and Void" on reaching the 3rd month of arrears. So why have they continued to take money every month until it was handed to the DCA? I've worked out that of the £178 charged for extracare insurance, £160 of it is when the policy is "Null and Void" according to the T&C's. Should she have carried on paying for a policy that was void? Is it reclaimable? Any clarity on this Pam (or anyone else for that matter!!) would be hugely appreciated.

Thanks Pam Could really do with some inspiration on how to approach this one!!!

Hello to all I've just had a sunday morning panic attack and could do with some help if poss!! The claim this thread relates too is for £1510 (If it goes small claim about £1800-1900) My mother in law has a barclay loan for £2k which because she is now ill, not working and on benefits the insurance policy has kicked in and is paying it each month. When this unlawful charges claim is successful, can they demand repayment of the loan using the money she will rightfully claim back thru her current account??? If so i may as well stop the claim and wait till the loans paid off. Any ideas anyone?? Thanks Oz

I need guidance on how to attack this please guys!!!!!!!!!!!! Hi all This post could be War and Peace but i will endevour to keep it clear and concise. For a while now i've been at home on sick leave (soldier) so to beat the boredom i got engrossed in this site and decided to help the Dragon-in-Law out with her finances coz she's useless with that kinda thing. Everything going great on several other Accounts/Cards, then i came across Littlewoods!! The Dragon took out a catalogue in Jan 04, a few months later her health nose dived and for the last 2 1/2 years she has been at home living on benefits. Long story short, Acct in arrears (£528 Acct handed to a bunch of ignorant Ejits at a DCA in August 06. Unknown to me after much harrassment by this DCA, she pays them £5pm, (sometimes £10pm as she is ashamed of the situation and wants it paid ASAP. I recently found her sat in cold and dark to save money coz DCA rang and said if you can pay £10 one month, pay it every month!) In January when i became aware of this situation i submitted an S.A.R - (Subject Access Request) to Littlewoods on behalf of the Dragon and yesterday she received a nice big envelope with all her info it and a letter saying "any further correspondance to go thru' Ejits R Us DCA". The DCA claimed the following when i rang yesterday and mentioned disputing the Acct amount. 1. Any acct with a DCA is fact and is not open to dispute. 2. Failure to pay could lead to baillifs ect AND House Repo!(Try it, its council) and then part way through a mini lecture about charges and how the Dragon wouldn't have them if she wasn't in arrears i put the phone down. Whats the point in even speaking to these people. Problem No.1 Via the S.A.R - (Subject Access Request) i have found £185 in charges. Littlewoods will not acknowledge this Acct anymore so who is the Prelim, LBA ect directed too? The DCA? I have trawled the site for similiar scenarios but to no avail. I want no verbal correspondance with them as they have proved how dumb they are already. Problem No.2 Via the S.A.R - (Subject Access Request) i found out the Dragon has been charged each month upto Aug 06 (All charges stopped being added when handed to DCA)for Extracare 500. (£178 in total). This is an Insurance policy that covers among other things making payments in the event of illness. The Dragon had no idea she had this, as from day 1 of sickness she would have been elidgable to claim. (She has a barclay loan currently being paid off thru a similiar policy).I know its a policy holders responsibility to make a claim, but would L'woods have any responsibility as a responsible lender to suggest using this policy. They were told on numourous occasions the arrears was down to illness and inability to work. I didn't see the point in a CCA request to see if the Dragon had signed for the policy as she did it all over the phone and i think its along the lines of accepting goods at your home is like accepting there T&C's???????? Can this policy be retrospectivly claimed on, or can all the charges be claimed back as the Extracare T&C's state the policy is null and void after 3 months in arrears. So if its a null and void policy why keep charging her for it for another 2 years, is this the norm?? I really want to get my Sh*t together on this one and send L'Woods/DCA some bulletproof arguments as there ignorant attitudes and mis-information has wound me up and as i've read many times on the site, revenge is sweeter, in the form of a cheque!! There's also a default notice on the dragon coz of all this too which i'd like to fight. I'm wide open for guidance/help and idea's guys. Thanks Oz PS Just read it back and it aint far off War and Peace!!!!!!!!