Unfortunately it is one of the more expensive pumps to replace

Ok, so first of all please feel free to re-direct this post of in the wrong place. I am relating this to the new consumer rights acts 2015 and how this may be used We bought a new car in a private sale at the weekend, the car was described though an advert we still have a copy of. We took the vehicle for a test drive, though very busy so only had a chance to drove a few miles and all appeared in order, we paid cash for the purchase £7500 and the we have a receipt, which just states for the sale of x registration etc. Once we got the vehicle to a garage for a fuel, it would not restart and then did with a big judder, but seemed ok, we got home dropped in the shopping when to move the car same problem. After speaking to the local toyota garage they believe without doing a full diagnostics which I will arrange for later this week that it likely to be a fuel pump problem, as hot starting only,and the cost is £1000s. So we emailed the seller, who said yes it did have a problem but never bother them, they also said took to local garage who said might be this or that (did not mention what a main dealer has said to us) but never got sorted. In any event it has a problem that was known to the seller that they did not disclose. Of course if this was a garage sale I would have more rights, but my question is, as the private seller has confirmed that there was a known fault but did not disclose this, I have challenged this my email but no response, do I have any protection at all. my email seIf so what are the next steps, what are the options?

I have a short question I had a number of debts all settled (in total about 90k!) or came to arrangement with exception of 1 with Lloyds bank. I had an arrangement with them renewed 6 monthly and payments inline with the income I was or not receiving, at no time did I ever miss a payment these were always kepto up to date a payment was always made and acknowledged. I made offers to clear the account but declined. My debt got sold to IDEM servicing, who accepted the monthly payment I was making on the debt and at no time was a payment missed, they have acknowledged. IDEM have agreed a FFS on the account which I have accepted. This was the final account after a very messy divorce. Both Lloyds and IDEM have now added a default to my account for the same debt, no payments have been missed at any time and a formal arrangement has been in place throughout. Is this normal practice, can it be challenged. All my other debts have been settled at different stages and non have added a default as I have always kept up with my arrangements? Or have I just been lucky!

an update, I have written a letter below, based on other I have seen offer F&F settlement of the debts dues to my current situation. I would be grateful on any advice, all the companies have agree £1 repayment terms for 12 months and zero interest. Thanks all .......... Name of Creditor Address of Creditor without prejudice Dear Sir/Madam Re:* Account No/Reference No Further to my previous correspondence and conversations, I write with reference to the money which you are claiming on the above accounts. You have currently agreed repayment terms of £1 per month for 12 months. I remain unemployed, however, though family support, I may be able to raise 15% of the debt and I want to offer this as an ex-gratia payment in full and final settlement of this account: Account No (15% = £xxx) total amount £ This offer is made on the clear understanding that, if accepted, neither you or any associate company will take any other action to enforce or pursue these debts in any way whatsoever and that I will be released from any liability. I also request that, if accepted, you will mark any entry on a credit reference agency file relating to the above accounts as "settled" in full, all references to these debts fully removed including removal of any default records for the entirety of all accounts.* In relation to this term, I clearly do not mean 'partial settlement'* Payment can be made within 28 days*of receiving your written agreement of this offer and method of payment. I look forward to receiving your reply. Yours faithfully

Hi Thanks for this, there are no penalties or similar on the accounts I wish there were they could have extinguished the debts! they are definitely enforceable again unfortunately. I put in place arrangements at the time and agreed terms early on which saved alot of hassles. I know there is a standard phrase I need to put into any letter, do you know what this would be?

Thanks hopefully this helps; Morgate (1) - Showing still as satisfactory, though showing arrangement ended 10/2012 Morgate (2)- Showing payment late, though showing arrangement in place 01/2014 Barclaycard says default date 28/04/2009 FD - Showing as satisfactory no other info Lloyds says default date 31/12/2010 no other info

CCA requests I did originally all in order and correct all enforceable, they all show on my CRA confirming arrangements in place on all but lloyds

I went through a divorce about 5 years ago, I took on the bulk of the debt (some I was unaware off pre divorce!) I stood at having about £70k of unsecured, after speaking to all the creditors, I put in place arrangements to stop interest, and make regular payments. I have now got this down to about £18k and has been reducing monthly, but unfortunately I lost my job. I have initially spoken to all the companies and agreed to keep interest at zero and make nominal payments of a £1 in the short term. My father has offered that he may consider giving me some money to clear these, but of course only want to pay back as much as I need to. Does anyone have examples of settlements they have been successful in getting and % amounts? the debts are with Moorgate (formally MBNA) Barclays (was egg) Lloyds, First Direct. Is there a standard template I could use? All thoughts and comments welcome.there is no PPI claim and have requested sar et c previously and all paperwork is in place. thanks all.

Sorry yes october 2011 Ok I have now been through 6 boxes of filing and have found just one item a letter from DVLA, it reads the following, (this was in response to to myself providing a copy of the v5 I had sent) Dated 20/03/2012@ ...................... Thank you for your recent enquiry concerning the out of court settlement offered to you in respect of the motor vehicle mark xxxxxx for which a notification of keeper change has not been received Although you have indicated that you are no longer the keeper of the vehicle, the department has not received notification of the. When the department is advised that the keeper of the vehicle has changed we sent an acknorledgement letter within 4 weeks of notification. It is a matter for you to pursue this this kletter. Details on this process can be found on the V5C. If you can provide an acknowledgement letter that was issued prior to the 20/02/2012 then no further action will be taken. You now have opp etc etc. ............................ SO in their first paragraph they are saing a keeper change has not been receievd through I sent a copy along with a covering letter with the details. Why would they quote the date 20/02/12 for a letter prior to the 20/02/2012..... Anyway after more and more, I am now looking to write the following letter as guided from other posting on here, any thoughts? also best to address too, the not guilty letter say the prosecutor / J Payton is named. ::::: Dear the prosecutor Thank you for your requistition letter dated 5th October 2012 I sold this car in October 2012, and mailed the V5 document as I have always done via 1st class post, I kept a photocopy for my records. I then received a letter from DVLA saying that somebody was applying to be the registered keeper of this vehicle and to ignore the letter if this was OK, I therefore ignored the letter. I then received a letter I was being fined for failure to notify a change of registered keeper. I on this occasion, sent to yourselves a copy of the V5 that I had posted to yourselves 1st class. You acknowledged my letter on the 20/03/2012. I have put below legal points of which I have followed. The Road Vehicles (Registration and Licensing) Regulations 2002 “Change of keeper: registration document issued in Great Britain on or after 24th March 1997 and the new keeper not a vehicle trader 22. (2) The registered keeper of the vehicle - (a) if the registration document issued in respect of the vehicle is in his possession, shall deliver to the new keeper that part of the document marked as the part which is to be given to the new keeper; and (b) shall forthwith deliver the remainder of the registration document to the Secretary of State, duly completed to include the following - (i) the name and address of the new keeper; (ii) the date on which the vehicle was sold or transferred to the new keeper; (iii) a declaration signed by the registered keeper that the details given in accordance with paragraph (i) are correct to the best of his knowledge and that the details given in accordance with paragraph (ii) are correct; and (iv) a declaration signed by the new keeper that the details given in accordance with paragraphs (i) and (ii) are correct.” Interpretation Act 1978 7 References to service by post “Where an Act authorises or requires any document to be served by post (whether the expression “serve” or the expression “give” or “send” or any other expression is used) then, unless the contrary intention appears, the service is deemed to be effected by properly addressing, pre-paying and posting a letter containing the document and, unless the contrary is proved, to have been effected at the time at which the letter would be delivered in the ordinary course of post.” As I previously stated I used 1st class post to “deliver” the V5 document which complies with both regulations above. The DVLA states that I have no defence because I did not receive confirmation from them. This confirmation letter from the DVLA is not a legal requirement. As stated in Human Rights Act 1998, Schedule 1, Article 6, section 2 “Everyone charged with a criminal offence shall be presumed innocent until proved guilty according to law. " I have no proof of posting the V5 document because I have never done so before. I also believe that I should not have to prove that I posted the V5 document and if this matter does indeed go to court it should be down to the DVLA to prove that I did not. I look forward to receiving your comments on this matter .................. All thoughts appreciated, unless I am particular lucky I would suggest the photocopy I had was lost in the move, or more likely in a box somewhere.... On a separate note has anyone ever completed a SAR request on DVLA, to see what they come up with?

Ok the story so far: Sold car October 2012 Sent off V5 - Kept photocopy for records in case went missing. Went missing - Letter from DVLA with fine etc January 2012 Sent letter to DVLA with copy confirming sent back in accordance with instruction. Letter received back in March 2012, saying if no proof prior to February 2012 will fine take to court. Sent response, confirming already sent enclosing copies of previous letter. No response until yesterday, when received court summons for non sending of V5 back to DVLA. Unfortunately I move house during this period and have misplaced the documentation and copies I sent back, so looking for advice on what to do next, court options are; Guilty Guilty with mittergating circumstances Not Guilty So what do I do, I misplaced the copy correspondence my stupid fault . All opinions appreciated

hi thanks for the advice, my concern is as he has a child living at the address it isunlikely that the courts as i see it would allow a forceable sale? any thoughts

Myself and my husband split up 3 years ago. We had two children and 2 properties, and a couple of credit cards each. We came to a agreement between us that we would split the houses 1 each and balance out any remaining equity by way of credit cards etc. So this was all agreed. During the first year of our seperation (divorce in May 06) I was on a good salary and able to remove his name from the mortgage and property with agreement of the lender. All was amicable and straight forward. Unfortunately since them my husbands finances have continued to get worse and as such, has now defaulted on both the other mortgages, even though we agreed that we would be responsible for the properties we ellected. We now have one child living with each of us 12/14 years old). My main conern is I have now got myself into a better position and remarried and do not want to loose what I have worked so hard to acheive, lower debts mortgage paid because of his problems. Though the mortgage company could try and sell the house, it is unlikely to be done because he has a child living with me. He is now saying although we agreed to split the property and name has been removed the mortgage company can still come to me for the monthly payments, this would be crippling and I would have no way of paying this. He has also inferred that I should sell my property to fund his misfortune. Any help appreciated. For info we are both remarried

I have spent much time researching the forums and some great information and advice under other card sections. I have sent off my CCa today for my First Direct Credit card taken out in 2001 (ish), 12days + 2 to go, lets see what they have, i will keep the forum updated.

I have spent much time researching the forums and som great information and advice under other card section. I have sent off my CCa today for my Egg Credit card taken out in 1999/2000, 12days + 2 to go, lets see what they have, i will keep the forum updated.

I have spent much time researching the forums and some great information and advice under other card sections. I have sent off my CCa today for my Lloyds Credit card, 12days + 2 to go, lets see what they have, i will keep the forum updated.

Well i have sent of my first CCA requested lets see what is returned!, 12 days + 2 to go

Thanks for all the advice/thoughts. I think I am going to go for sending a request for CCA, nothing to loose and if no response or no vaild agreement received then will reduce payments to a monthly gesture of goodwill and respond suitably to any letter I receive (some great templates on here, but might have to check which one to get it right). If they do come up with one then will request lower repayments, all in writing on a positive they do not have my current phone numbers! Going to sleep on it tonight and I will update with the action I am taking and responses I get as received. Thanks all

Hi moon, thanks for your reply brilliant site:) I think the Abbey card was issued in 2003 (i am unable to find my records pre this date for this card), but might have been earlier, they have recently changed it from an Abbey Card (underwritten by MBNA)to MBNA card and also wondered if this had any bearing on what CCA may be enforceable. I see some great support on this site, and hopefully will become knowledgeable myself and will be able to help others in the future with the experiances I have.

Hi I have been reading on this website for a couple of weeks now though only joined and posted for the first time this week. I have two cards with MBNa, lucky me! One has always been MBNA, taken out in 1993 (balance apx 10K) One was Abbey (UW by MBNA) recently become a MBNA card with a new number in last two months.(Balance apx 5.5k) The interest have both recently been increased dramitacally to 34.9% like many others and is crippling at best and not reducing the o/s balance at all at worst. Best course of action, both accounts have been kept upto date, however the only reason for this is because of support from my family. From what I have read on here MBNA do not like to seem to like to agree to lower repayments terms (I could manage about 1% of O/S balance monthly) or reduced interest. So is it worth asking, and if so what is the best approach, I have seen various letters but not sure best one to start with. If I ask them to accept lower repayment and freeze/reduce interest am I admiting that the debt is mine and therefore not worth asking for a CCA. or is it best to start with a cca, and take it from there, from what i have read i am concerned about putting a signature on any letter as they might try and copy it. Any advice welcome and I will of course keep the thread updated, thankyou

Hi i am interested to see the response, i have weell have been reading up on the site and looking for options to go forward with for my own debts, I look forward to the responses

I know how very lucky I am, i know many are not so fortunate, fingers crossed for some responses for General info and may be relevant to responses, aprox info on the loan and card is: Loan- Northern Rock - 2006 Cc's MBNA - taken out in 1999 Lloyds - 2000 Abbey (now MBNA) 2003 NWB - 2005 First Direct - 2002 Egg - 2000

A short but long story, think i have posted in the right place? My wife and myself divoced earlier this year and though i was fortunate to get custody of my daughter, i have been left with considerable debt and two assets. Since then I have been fortunate to meet the love of my life and she has been extreamly supportive both emotionally and financially and without her i would not have survived however, i now need to move forward with my life and the debts I have. in short I have taken on 43k of credit card debts and one U/s loan of 22K. In part of the settlement, I have a property to sell proberbly in about 11 months time which subject to current rough market will hopefully realise about £20K which will be a great help, i would sell straight away but the penalties for selling equate to about 9K and tennents in for a least a further 5 months. I also live in our home which has about £40K equity, that though could be sold I would like to remortgage at a later date to clear all the credit card debt dependant on the market. Allthough i am currently meeting the minimun repayments, (my other half supports me by 60%! of this (yes i am lucky:-)))the debt is not reducing as the interest rates have been hiked up and up and up though i have not missed any payments (yet) it is getting to the point where it is putting a strain on our relationship. The Question, I can survive short term with the support i have but wondered if anyone has been successful in lowering their interest rates on their credit cards to enable to to repay the debt, abeit slowly without defulting, i really dont want to do this as wanting to remortgege to clear wihen the fix rates run off in october next year, though current think this is the only option i may have. any suggestions are welcome, thank you

A short but long story My wife and myself divoced earlier this year and though i was fortunate to get custody of my daughter, i have been left with considerable debt and two assets. Since then I have been fortunate to meet the love of my life and she has been extreamly supportive both emotionally and financially and without her i would not have survived however, i now need to move forward with my life and the debts I have. in short I have taken on 43k of credit card debts and one U/s loan of 22K. In part of the settlement, I have a property to sell proberbly in about 11 months time which subject to current rough market will hopefully realise about £20K which will be a great help, i would sell straight away but the penalties for selling equate to about 9K and tennents in for a least a further 5 months. I also live in our home which has about £40K equity, that though could be sold I would like to remortgage at a later date to clear all the credit card debt dependant on the market. Allthough i am currently meeting the minimun repayments, (my other half supports me by 60%! of this (yes i am lucky:)))the debt is not reducing as the interest rates have been hiked up and up and up though i have not missed any payments (yet) it is getting to the point where it is putting a strain on our relationship. The Question, I can survive short term with the support i have but wondered if anyone has been successful in lowering their interest rates on their credit cards to enable to to repay the debt, abeit slowly without defulting, i really dont want to do this as wanting to remortgege to clear wihen the fix rates run off in october next year, though current think this is the only option i may have. any suggestions are welcome, thank you