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    • Hi just typed all defence clicked next and it's deleted all. Any help
    • I forgot to say, there is one last possibility and that is that they will receive your letter of rejection and simply fold, accept the rejection and refund you. Don't wait too long for this. Seven days maximum – but in that seven days you could send your letter of claim anyway and when that you don't hear from them or when they start mucking around at least you are seven days closer to beginning the legal action – and they will know it (which is the important thing).
    • Okay that is excellent that you have an email between the garage and the warranty company confirming that there is a serious problem with the gearbox. That is very powerful evidence. I think the situation is this: you have sent them a letter of rejection but the reputation of big motoring world is that they won't take a lot of notice and they will try to prevaricate and maybe even blame you. Clearly you don't want the car any more and anyway it sounds as if the cost of repairs is going to be enormous. You don't know if the warranty company is going to step up to the mark but the whole thing is going to take a long time and I understand that you have lost confidence in big motoring world because of this event and also their reputation which you are now discovering on Facebook and on this forum and no doubt elsewhere. On the basis that you don't want the car any more and you want your money back, you need to hurry things along. I think the first thing is that you need to decide if you are prepared to bring a claim in the County Court. Even without the warranty money, the claim is worth more than £10,000. For actions less than £10,000, you bring a "small claim" and this means that even if you lose the case you won't be liable for the other side's costs. If you win the case then not only will you get your money plus interest but also you will recover all of the costs of the action. For actions more than £10,000, you go to something called the "fast track" and in the event that you lose the case, then you could be liable to reimburse the winner some of the costs. This means that in addition to not recovering your own money, you would lose your own court fees and also you would have to to bear the costs of the other side probably something less than £5000 – but as a rough guess. If you bring your court claim then your chances of success are almost 100%. Frankly if you brought a court claim then I can imagine that big motoring world will put their hands up and pay you out rather than face go to court and losing and getting a judgement against them. However, it you need to consider that this is a risk factor – although my view it is a negligible risk factor. If you did bring a court case, it wouldn't be instant. If they put their hands up then it would probably happen very quickly. If they didn't put their hands up then you could take anything up to a year for the matter to be resolved and during that time you would be without your car and without your money and in the middle of litigation. I'm explaining this to you say that you understand how it works. Bring a court case would be really the last resort when everything else has failed. However, I'm quite certain that you would win and it would be stupid of big motoring world to try to resist. In order to bring a court case you would have to send a letter of claim giving them 14 days to accept rejection and organise the refund otherwise you would begin the claim. Don't imagine that you could bluff this. If you did send a letter of claim then you would have to go through with it otherwise you lose all credibility and you might as well pack up and go home. So with this in mind, here are possible courses of action you could take. You can simply wait and see what their reaction to your letter of rejection will be. However they may not reply or else they may find some other reason to delay and of course during that time you will be without your car and without your money blah blah blah, not knowing if big motoring world were going eventually to start acting sensibly and respectfully towards you. The second thing you can do – and I think this has been suggested on Facebook – is that you can go along there and simply make yourself present and talk to other customers and generally speaking make a nuisance of yourself and embarrass them to the point where you would be explaining to other potential customers to be careful, to look on Facebook, and to do some careful research before they put their business to big motoring world. This has a reasonable chance of success although you would have to be careful. You should go accompanied by a friend and there should be no anger, no arguments, nothing that could be considered as being overly aggressive so that big motoring world would have no justification in kicking you out or even worse, calling the police. If you did this, then I would suggest that you record everything on the telephone carried in a pocket. A fully charged battery will probably keep a voice recorder and a telephone going for more than 20 hours or 30 hours. The other person can video any incidents so that everything is clear and you can inform big motoring world then it will be going up on the Internet. If you did this, my favourite option would be to issue the letter of claim giving them 14 days, and then going along to big motoring world with a copy of your letter of rejection and a copy of the exchange between the mechanic and the warranty company and a copy of your letter of claim – all settled together – and probably about 20 or 30 copies in all and I would start handing them out to any customers who came in. Big motoring world will soon get the picture and they will either move your the premises in which case you stand outside and carry on doing it or they will finally give in. Of course there is a chance that they won't give in and they will simply call your bluff – but in that case I think you have no choice other than to follow through with your 14 day threat in the letter of claim and to begin the legal action. At the same time you should be putting up reviews on Google and also trust pilot explaining exactly what has happened and also explaining that the mechanic has confirmed to the warranty company that there is the serious problem, that you have asserted the right to reject and that this is been ignored by big motoring world and that you have now sent a letter of claim and that you will be starting a legal action in 14 days. Once again, don't bluff about the legal action. If you threaten it – then you must mean it – and on day 15 you click of the claim. You don't need a solicitor for any of this. It's all fairly straightforward and of course we will help you all the way that it the decision is yours to make and I think you need to make it fairly quickly. I think the cost of starting an action for about £13,000 is 5% and then also if it goes to trial which I would say is almost impossible – there would be an additional fee. You would claim interest at 8%. A judge might award a lower figure but frankly if you can show that big motoring world is attempting to ride roughshod over your very clear statutory consumer rights, I can imagine that the judge will want to show displeasure by awarding the full 8% which is a pretty good rate – even though it's not compensation for the hassle and the distress you are going through. If you decide to get solicitor, then if you win the case, because it is over £10,000 you will recover some of your costs but you won't recover all of them. If the solicitor begins by having exchanges of letters then I doubt whether you will be up to recover the cost of those and you could easily find that you're chalking up 500 quid or even a thousand simply on initial exchanges of correspondence. Also you need to bear in mind that if after having exchanges with a solicitor, big motoring world cave in – then you definitely won't get those costs back because you won't have gone to court and therefore a judge will not have made the order for payment of those costs. I suggest very strongly that you avoid paying any money for a solicitor and that you do it yourself. It's not a big deal – although you will have to you react quickly to the help we offer on this forum. Also, an additional benefit is that you will learn a lot and you will gain confidence and eventually you will feel good about suing anybody else who gets in your way. Nothing not to like! If you do decide to instruct a solicitor then you must take control of the solicitor. Most of them prefer to sit in an office writing letters on the clock. If you do decide to instruct a solicitor then you must instruct the solicitor very firmly that they should send one letter of complaint giving seven days. A second letter – a letter of claim giving 14 days and that they must then begin the action. If you don't do this. If you don't take control then it will simply cost you money, you will be without your car even longer and of course without your money. The whole thing is a nightmare. I think I've laid out the options but please do ask questions. I hope you can see that this is the kind of advice that you won't be getting on Facebook. Nothing against Facebook. It's good as a meeting place and to make people realise that they aren't on their own – but after that the advice given is weak and confusing.  
    • What makes you say that?  I have no idea how I would go about that or why they would even entertain discussions now that they've won the Court case
    • Our main Equity Partner, Cabot Square Capital invests 
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    • 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
      • 161 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
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DCA - JBDR Glasgow tactics - Help


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Have some debt problems currently which I wont go into at this stage.

I have had two calls from above concerning old Egg debt. Would be interested if anyone has had dealings with them before. The first call (at work!) a few days ago was from a guy from pre litigation. He said they would be starting legal action I mentioned I had not received anything from them in writing he asked for personal info which I refused to give over the phone. I then asked him not to contact me by phone but write to me. He said they would be starting legal proceedings and got very shirty?

The second call also came through at work stated I had a meeting with them next week? that a charging order could be used ? was very threatening when I started to question that I had not received anything in writing, knew nothing about any meeting? they asked for dob info which I refused to give. They then just kept on talking over me then put the phone down on me and did not respond or listen to anything I said. Having obtained the callers name I called back to complain. I started off stating I was recording the conversation (white Lie!) they asked if I had a license then asked me to hold on,put me on hold, and I them got transfered to another person who obviously was not expecting the call. Went through same rigmerole but they refused to confirm any meeting or correspondence as I would not give my personal details over the phone.I am worried that someone will turn up at work or at my house.

I have not had anything at all from them in writing. I have noted from other threads that egg do not normally sell their debt so unsure who they are.

A bit shocked and not quite sure how to tackle this. I did get a copy of my credit report and noted there is a default notice from egg.

Help on next steps would be appreciated as this company seem quite ruthless in their approach.

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send them a letter recorded delivery telling them that they are to contact you via post only and that they are not to telephone you.

 

i bet half of what they say wouldnt be sent to you in writing.

 

protect yourself.

Halifax WON X 2, Northern Rock WON, Capital One WON, Marbles WON, HSBC WON

On the 25th october I will be filing a claim for £175.00 Citicards. Just watch it!

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  • 2 months later...

I sympathise with you tremendously.

Myself and my family have also been terrorised by JBDR.

Not on behalf of EGG, but on behalf of a different UK credit card company who will remain anonymous.

The nightmare started in May with a voicemail to please call a phone number. This I did, and I had to ask who it was who answered the phone as they did not say. I asked what was JBDR. They answered that they had been commissioned to collect a debt of over £10,000 on behalf of "The credit card company". I told them I did not owe the credit card company over £10,000 and to please remove me from their telemarketing database.

From then on over the next couple of months, the phone rang every hour or so, day, evening and weekends, and I was subjected to a junk mail through the Royal Mail almost every day.

This was at a time when both my children were doing exams at school. One GCSE's and the other first year college end of term exams.

Both have suffered lower gradesthan the teachers expected because of this and it will no doubt have an effect on their future scholastic achievements.

I had to have treatment by my doctor for high blood pressure because of this.

When I tried to phone JBDR, they would not answer the phone to me.

Eventually, I emailed them and told them I would pursue legal action against them for harassment andfor sending threatening letters by Royal Mail which is agaist the law.

I eventually received an apology by phone, and a couple of days later an email to tell me that the case was now closed.

I would urge anyone else who has been contacted by JB Debt recovery agency in Glasgow, to please report this on this forum so eventually this sort of threatening behaviour can be stopped.

 

Garry.

 

Just saw your Halifax Bank problem.

 

I have also settled in full by debit card payment over the phone, not once, but twice. But am now getting statements showing late payment fees and also interest charges.

When I phoned them, they said I had not paid off the full amount owing, even though I paid what they told me was owing.

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Aplologies.

The above was actually Moorcroft. I got confused the two of them.

 

JBDR hounded me for weeks over they claimed the DVLA had not received a SORN notice from me and wanted £80.00 from me. I told them I had the thank you letter from the DVLA next to me on the table and to get a copy from the DVLA. 3 weeks later, after a daily barrage of phone calls and ongoing threatening letters, I threatened them with legal action, they apologised to me by phone, then an email saying the case was now closed. No sign of an apology in writing though.

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  • 2 weeks later...
  • 4 months later...

I have just today had a call from JBDR on behalf of a bank over an unpaid debt. the strangest thing about that call was that the woman on the line kept saying she wasnt looking for a reaction but then kept re-itterating the amount and pressing for my ideas as to a solution. this she did by re-telling me the situation and remaining silent, i can only presume she was waiting for me to say something so i didnt, i just waited. i asked her if she wasnt expecting any reaction or for me to propose a possible solution then why bother calling in the first place.

also after she suggested that i retain the services of a solicitor i asked that she e-mail to me aany and all details of the debt so that i would have something for him to look at. it has been over an hour and a half now and still no e-mail has been forthcoming.

also id like to ask, if i get a CCJ issued against me does it afect the other residents in my home. i live with my parents due to my financial situation and she said that a CCJ would affect everyone living at my address. i thought they were brought against the individual not the property.

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I've only had one dealings with this mob, when they started calling me trying to obtain the phone number of someone who's financial affairs I had been looking after. Robinson Way had left my phone number on the file when they passed it back to a catalogue company, which was then bought by these scumbags. The first two times they called, I simply told them she didn't live at my address, that I refused to divulge her number on the ground of confidentiality and to remove my phone number from their database, which they refused to do. They even tried to tell me that I was breaking the law by refusing to hand over ther phone number since I was obstructing them from collecting the debt! The third time they called, I was ready for them, having already checked with the Information Controller about how many of the data protection rules they had broken. Never heard from them again

MBNA - Agreed to refund £970 in full without conditions. Cheque received Sat 5th Aug.:D

Lloyds - Settled for an undisclosed sum.:D

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I need some help please. I have had numerous calls today and the last few days from an unknown number and I eventualyl answered to a lady telling me they have very bad news for me which given the outcome was absolutely appalling. Pretty much the same as the other postings, threatening, not listening, telling me I was breaking the law by not answering their questions.

 

Can somebody please supply me with an address, telephone number or email address for this company so I can at least contact them.

 

I supposedly owe a debt to HSBC which I know was paid over 6 years ago! They told me that they didnt care and the debt was sold to them and that I would be taken to court and it would be very serious.

 

If someone can help that would be helpful as these people are completely ruthless!!!

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  • 9 months later...

I had a call from these clowns this morning at work (JBDR)

 

They first asked if it was me - so I said yes

 

Then asked me to get a pen and paper - so I did....presumably at this point the operator was rubbing their hands togethor....

 

They then asked me for my Date of Birth - to which I replied - Sorry - you'll have to wait until I have verified your company before I give out my personal details.

 

She then quoted the data protection act at me, as if it gave her a right to my details - which I simply quoted back (but correctly)

 

To this she took great offense and threatened to send out a "field agent" to my property (notice she didnt say house or apartment as she had no Idea where I live)

 

She kept saying this was a "very important legal matter" but wouldnt disclose any information until I had give her my personal details......

 

I expect another call from these soon and I'd be really interested to learn how they got my work phone number......

 

Please could someone provide me with an Address for this company ??

 

Thanks

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If you go to their website and look under services, you see they collect,among other things, statue barred debts.How can they do this without breaking the law.More to the point, perhaps they should be prosecuted for putting on their web site that they do break the law.After all it is a written confession of their illegal actions.

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If you go to their website and look under services, you see they collect,among other things, statue barred debts.How can they do this without breaking the law.More to the point, perhaps they should be prosecuted for putting on their web site that they do break the law.After all it is a written confession of their illegal actions.

 

No, it's not.

 

You can collect a statute barred debt if the debtor is willing to pay. What you cannot do is enforce collection of the debt.

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  • 1 month later...

I've been trying to get in touch with JBDR for weeks about an outstanding debt that I apparently have, but every time I call it says their offices are closed and their hours are from 9am Monday - Saturday. I am calling within these times but to no avail. I tried emailing them but it bounced straight back at me, and when I tried to go to their website it didn't seem to exist!

Anyone got any bright ideas....?

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  • 3 weeks later...

Hello everyone

 

I just recently received an arrogant phone call from JBDR and expierienced the same problems when i refused to give out my personel information. I emailed them and heres the response.

 

My email to them -

 

In respect to the above reference number can you

please clarify to me who the debt is in reference to

as i have never had any dealings with Lowell

Financial Ltd for the sum of £1780.01 . After your

arrogant phone call to me on Tuesday i did some

research into your company on the Internet, and to say

your company didn't appear favourable is an

understatement. If this is some kind of fraudulent

activity that you are conducting, i will have no

hesitation to contact the police and legal action WILL

be taken against you.

 

Please email me all the details regarding this debt,

IE - What the debt is for (loan, car finance etc)

when it was taken out,

Where it was taken out.

 

Please reply to me within 5 working days, I have

already passed on the circumstances and your details

to my solicitor.

 

 

Heres the email from them that i recieved the next day, seems to me they ran for the hills when i threatened legal action, hehe

 

 

 

Good afternoon Mr *****, we requested a copy agreement from our client back in Oct 06. We were told this was "unavailable". The account should have been closed on receiving this information, unfortunately the person who dealt with this put the account in the wrong status.

Your account is now closed on the JB Debt Recovery system and the account was returned to our client (Lowell Finance Ltd.)

 

 

I have never heard of Lowell Finance and i currently have a debt management plan whith an independant firm so i know all my debts are accounted for, surely what they are doing is not legal?

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For info;

 

JB Debt Recovery

176 Bath Street

Glasgow G2 4HG

 

Website is JB Debt Recovery

 

Hope tihs helps!

 

A GLASWEGIAN debt collection company?

LOL whatver next??!!

 

Further to the entry above, in which the originating writer stated the woman asked me if he had a licence to record her over the phone- This is CRAP!- You do not need a licence to record someone over the phone!?! It is perfectly legal,PROVIDING you inform them they are being recorded at the beginning of the call-Hence why every business has that statement played back through their automated systems, PRIOR to connecting your call to an operator-

What a bunch of numpties- Im glad i dont have any dealings with them.

How can you be so sure of who they are when they PHONE you instead of WRITE to you?! About matters like this?

Clearly a shoddy company, with Anuses for brains.:-|:-|

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  • 3 months later...

My mother has received phone calls asking for a phone call to be made in return because there is a message waiting. The phone call is made with an American accent. My mother found this very worrying so I returned the phone call for her. A very stroppy woman answered and wouldn't give me her name or the name of her company. I asked what the phone call was all about and eventually she said they were JBDR of Glasgow, a debt collection agency. My mother is a pensioner and does not owe any debt whatsoever. She is worried sick. Can somebody give me their address in Glasgow so I can write to them to tell them to stop harrassing my mother.

 

Thanks.

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It doesn't work that way Stuart, under the DPA they will not enter into any discussions with a third party. They use automated dialling so these calls will continue unabated until they make contract, whether by voice or a 'personal visit'. Best course of action is to write to them AS your mother, and take it from there!

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Can somebody give me their address in Glasgow so I can write to them to tell them to stop harrassing my mother.

 

Thanks.

 

If you bothered to read through the thread, you will see that their address has been clearly posted....

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  • 1 year later...

Noticed this information and have just had a text from them asking me to call. Glad i saw this. Found some useful info that may be of interest. Note the last part highlighted in red!

 

Statute Barred

 

A debt is considered Statute Barred if a creditor has not contacted a debtor for a period of 6 years and no action has been taken on the account.

Although the debt is still legally acknowledged as being owed, the creditor is not able to take any legal action against the debtor in order to recover the debt. It is considered unfair if a creditor or debt collector misleads the debtor into believing the debt is still legally recoverable. It is also considered an unfair practice if the creditor or debt collector press for payment after the debtor has stated they will not be paying the money owed. This could amount to harassment contrary to Section 40(1) of the Administration of Justice Act 1970.

Previous page

 

Communicating with the Debtor

 

A creditor or debt collector who contacts you by phone, letter or visit, must state clearly who they are, where they are from, their role and the purpose of contact.

If a creditor or debt collector attempts to use unhelpful technical language to confuse or mislead the debtor, this is considered as an unfair practice.

If a creditor or debt collection agency disregards requests made in respect of when and where to contact the debtor, this can also be classed as unfair. If you request a creditor not to contact you at work because this could jeopardise your job, and the creditor disregards your request, this could be classed as unfair practice.

If a creditor or debt collector tries to continue to make contact knowing you are vulnerable, suffering from illness caused by the situation or seeking medical advice, this could also be classed as an unfair practice as they are putting undue pressure on the debtor.

Although specifics are not detailed as to what is classed as unfair, all situations are investigated on a case-by-case basis. If a creditor is found to be practicing unfair tactics, this could in turn show them as unfit to hold a Consumer Credit Licence and the OFT has every right to revoke their licence.

Creditors are fully responsible for third parties they appoint, such as in-house and outside debt collecting agencies, so if they are using third parties who practice unfair tactics, they are in turn risking loss of their own licence. They are responsible for fully screening the third parties they use and ensure they are aware of and practice, the guidelines outlined by the OFT before using their services.

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  • 3 months later...

I am getting a text message every day for this company telling me they need to speak to me urgently about my BskyB account, (which I've never had) and saying they need to send important documents and can I confirm my address is still... (it isn't). I'm just ignoring their texts as I have never had, or had any contact with BskyB, it's a bit worrying that they are using misleading information to get details though.

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Unfortunately, if you don't contact them, they'll assume you are the intended recipient and continue. The balme could be anything from a typo or someone actually giving your number and now they are chasing this.

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  • 4 months later...
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