Hi BF, Thats a brilliant analysis thank you. They do seem to want you to prove it was present when as you have stated 5k miles is not really acceptable and definitely well under what I would expect. Firstly I will reach out to the Land Rover specialist who repaired it last week and ask them if they could knock up a quick report and quotation to fix. I will then contact the Vauxhall dealership where I bought it. Thank you very much for your help

There is no history of it been replaced so yes it's done 85k. Due to its nature it hasn't failed basically the bearing are starting to get noisy so it will fail. Similar to a wheel bearing really get gradually worse but doesn't usually fail completely

Hi Everyone, I purchased a vehicle from a dealer just over 2 years ago. Since owning the vehicle its only covered 5000miles. Car now has 85k miles on. Recently the vehicle had an issue mouse attack. on collecting it the repairing garage stated that the rear differential was on the way out. The car was not cheap over £12k. The car is nearly 10 years old but purchased when 8 years old and has good service history. They apparently do have a big history of the diffs failing. Am I pretty much screwed the cost of repair is between £700 to £1500 I bought the car cash no finance or credit. Annoyingly I had a warranty till December last year. It seems for it to start to fail after 5k miles is not acceptable and was very much present when purchased.

Yes I understand now. Thanks for clearing it up.

Ahh no worries. So recordings of telephone calls and emails are no good?

Hi Andy, I got a copy of my credit report. It shows that interest was added prior to the assignment to the DCA the OC also admitted this in the call (recorded). I also found a series of statements from the OC each month the balance increases since May last year when I was in a reduced payment plan and they confirmed no interest would be added. So time line is as follows May 2023 Agreement to pay reduced payment no Interest to be added May 2023 Default Notice Issued June 2023 Statement showing increased balance July 2023 Statement showing increased balance August 2023 Statement showing increased balance September 2023 No statement CR shows increased balance October 2023 No statement CR shows increased balance October 2023 Agreement to pay reduced payment no interest to be added November 2023 No statement CR shows increased balance December 2023 Account Sold to Intrum CR balance in November 2023 matches their amount So I paid approx. £240 towards account yet it increased by £700

They have broken the agreement we had by adding interest, Is their no comeback on them for this or am I being naïve? I suppose they could send it to the DCA, can they just alter the amount owed? Either way the amount owed reduces. My point is how can a sold debt be corrected? Doesn't a NOA need to be correct?

Hi, the OC is Creation Finance (Currys buy latter thingy) the DCA is Intrum Thanks

Hi, I had an account with a certain company I got into financial difficulties and agreed to make reduced payments. The agreement was I would make payments on the understanding no interest would be added. I have emails where I specifically asked this and they have agreed to no interest or charges while I kept to payments which I did. I also have recordings of a call where they confirm this. The account was sold late last year to a a DCA I have letter of assignment etc. I called the DCA to setup the same payments (This account is quite new a few years by the way) I queried the balance as it had increased considerably. They were pretty useless no access to account history etc. Call recorded of course. I called the original creditor and they admitted that interest had been added against our agreement. Call recorded. My point is as the OC has no financial or legal connection to the account at all should they send me the money directly its about £800? Thanks in advance

Thanks DX, just checked through my paperwork you are 100% correct. The account was terminated when it was sold apparently. The new buyer has stated in their letter that the original DN was legally unenforceable. Where does that leave me? I would have thought the only path forward would be for them to transfer it back to the OC issue a new DN then do what they want with it again. Other wise you have an account without a DN which can only exist I would imagine if the OC kept issuing statements of escalating arrears notices. Not sure this is right. Sounds like they messed it up royally.

Hi Everyone, sorry for the lack of updates. I now have payment plans in place for every account. Some have been sold I'm paying those too. It helps me sleep at night knowing its under control. Interesting letter with regards to the Paypal Credit account they sent an invalid/void DN impossibly short on days its back in the thread somewhere. The DCA who purchased it I have NOA etc have now stated that the original DN from Paypal was invalid and they have sent me a new one. This gives 28days and to make it fair they have kept the default date the same as original, thanks guys. However the interesting part is the DN asks for the full account balance they have quoted part of the T&C that says :- 15.4.We may close the Credit Account and demand repayment of the full amount you owe us if: we find out that our decision to lend to you was based on inaccurate, misleading or incomplete information; you breach this Agreement regularly or seriously, otherwise break the law or you appear on any sanctions list that we monitor; you die or become of unsound mind; you become or are likely to become bankrupt, or make a voluntary arrangement with another creditor; you have broken the terms of another agreement with us, we have given you notice to end that agreement and we have reasonable grounds for believing that you may not be able to meet your obligations under this Agreement; your Credit Account has been suspended in accordance with Condition 8.1 due to an increased risk that you will not be able to repay any amount owed and this risk has continued for a period of 30 days after we give you notice; or we reasonably believe you no longer reside in the United Kingdom. 15.5.Before making any demand or closing the Credit Account, we will take all steps required by law for your protection. I believe they have again messed up big time as they cannot demand the full amount without issuing a DN they are only legally entitled for the arrears until the DN expires. Is this correct? They also quoted a none existent T&C unless they updated them. So I believe this new DN is also invalid/void. I don't think this really means much unless they get frisky in small claims. I am paying them a small amount each month.

Morning everyone, Two updates today. Firstly Halifax are closing the CC account and state no more interest etc. So time for an offer letter once the pass it on to their DCA of choice. Secondly Shawbrook are keeping up their standards letter arrived stating that I haven't complied with their default notice etc. Thing is I haven't received one I scan and store every letter. Seems odd the most important letter they have to send has gone missing. I know this is a really daft question should I pursue this or just leave it? Obviously I have a time line as to roughly when it was issued (or not) due to their letter and the amount of arrears in said letter. thanks in advance

I listened to my recording with regards to Shawbrook today (see above) and I now realise why you don't speak to these people. They said they cannot accept any offer without me supplying bank statements, I asked them why they said they needed to confirm the affordability of the repayments. I said that was in the letter and the IE I sent you, they said we need the statements it's part of the process. Apparently if they accept an amount without supporting evidence they could be open to a claim as they are governed by the FCA if it turns out to be unaffordable. Really. I said well how come you didn't ask for it when the loan was taken out. They couldn't reply to that. They still keep messaging and calling. Completely the worst company to deal with by several orders. No more answering their calls I should listen to advice more.

Sorry DX, I will leave the phone alone from now on. Yes two updates sorry

Received a DN from MBNA very similar to Halifax (think they use MBNA for their cc) Dated 23rd Friday received 29th. Rectify date 11th October seems short. Contacted Shawbrook to arrange repayments have stated that they cannot without me sending them bank statements. Told them to sod off. Started waffling on that account would go 10 years past the end of loan term and they couldn't accept that. Told them well that's what you will be getting. From what I have read they have as much right to see my bank statements as the postman. I know I shouldn't phone them but I do record every conversation on my MP3 recorder so I have records. I stick to my IE spreadsheet that I created. I just want to get it sorted and they are being a bunch of .... Blood from stone etc.