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    • @jk2054 retailer said they'd speak to dpd on Tuesday. I don't want to screw the retailer because they were doing me a favour by fixing it for free so I hope dpd will refund them so they don't lose out.   Will keep you guys posted. 
    • Well, we live on the same road so it should be the same postcode. When I spoke to dpd and asked why were my neighbours' address not on the list and she said maybe they're not of the same postcode and I checked and they definitely were. Not to mention, delivery instructions are supposed to override actual customer's address which is why they asked for instructions I thought.
    • again a quick google search states Appeal a DVLA fine - GOV.UK (www.gov.uk) i would not be appealing mind. it's only a summary charge which they rarely do court on and pass out the powerless DCA's whom are not bailiffs they have 6mts. see where they go. as you've sorn'd it will probably be nulled. dx  
    • There are a number of reasons why you may not have been issued a notice in the post within 14 days. If you were stopped by the police it may have been given verbally. In the case of speeding offences, the police may issue you with a conditional offer of a fixed penalty of 3 points and £100.00 fine by post or an offer of a speed awareness course. If the offence is considered too serious for a speed awareness course or fixed penalty you may be charged with an offence which normally occurs by way of the issue of a Single Justice Procedure Notice. If the vehicle within which the alleged offence took place was registered to another person or company there is technically no need for a notice to be issued to the driver. After the police have obtained details of the nominated the driver, they will normally send the notice to them, although there are no time limits within which they must do so (provided that the notice was received within 14 days by the registered keeper of the vehicle). In such circumstances, a person may receive a notice several months after the alleged offence too place but still be prosecuted. A Guide to a Notice of Intended Prosecution | Motoring Offence Lawyers the above copy n paste link has purely been copy n pasted here to inform you of the regs, which you could have done yourself by, as this is, a google search......... we do not ever recommend using such offered webservices! dont dx    
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    • Hello,

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      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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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.

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      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.
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      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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Droyds debt recovery.


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Hi all.

 

I am dealing with droyds debt recovery for 2 seperate company which are owned buy the same company, Red cats finance.

 

Now i cant remember signing a credit agreement with one of the companys, Vertbaudet and becasue i applied for the credit online from a flyer that they sent me i deffently didnot sign a credit agreement regarding that account. Empire stores.

 

Now i am thinking of sending both companys cca's but i am confused about what i should do. Now i know they have to provide me the information within 14 days( 2 for postage and packaging and 12 to find and get me the info) but i am getting a little confused over the 30 days thing.

 

Am i write in thinking that if the 14 days have passed i still have to wait 30 days before i report them for not responing to my cca?

 

If somebody can let me know it would be helpful as i am going to be sending these items soon.

 

Thank you

 

The GodMother.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Hi paul.

 

Just a qestion but what is the 30 days about then?

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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hi paul.

 

That does help. This site has filled my head with so much info it is hard to remember what bit goes where at times.lol.

 

Ty for ur help.

chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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going to re do the ccas tonight as i never sent them recorded delivery. stupid me. ;)

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Does this also apply if i did not sent the cca by registered post. They still have not cashed the postal order so i dont know if they got it.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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on the recipt i got it had the postal order number and i went back to the post office where i purcheds the order from and asked them about it.

 

With the old postal orders you use to get a counterfoil, like the cheque stubbs, and you could enquire like that. It might help if you are freindly with someone at the post office tho.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Well as of today i re cca'd them as i mistakenly did not send it recorded delivery.

 

I have been told they have no cashed the postal order so i am assuming they have not recieved it.

 

Instead of ccaing the dca i have cca'd the companys involved both empirestores and vertbaudet. The poor lady in the postoffice she had to do 6 of the standing orders and 6 recorded delivery slips.

 

will keep everyone upto date about what is happening

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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i have tried looking on the post office web site (www.postoffice.co.uk) and i cant find anything. I have to got near my local postoffice tomorrow so i will ask if they no of a number where you can call and ask.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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all the post office has told me is to ask royal mail who delivered the package to see if they have a number for them.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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10 days.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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how long do i have to wait till i can report it missing or stolen.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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thank you very very much alf. I seem to be getting different responses from royal mail. One bloke even told me without the counterfoil i could not trrace it. lol they dont have counterfoils.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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yer when there is a postal service. I dont blame them for striking as My uncle Nick, Who works for the royal mail, is on less money than this wife who works for waitrose they work the same hours. They are struggling to bring up 2 kids and pay there bills. They also have not had a holiday in over 6 years due to the money they get.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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I forgot to tell everyone but i wrote to droyds telling them that i am disputing the debt i wrote regarding both the debts.

 

this is what i put in writing to them.

 

I am writing regarding the above mentioned account number.

I have wrote to Vertbaudet requesting a copy of my credit agreement with them regarding this account. Please find copy of letter enclosed.

I understand that as of the date l wrote to Vertbaudet I am allowed to withhold payments against this account until they provide me with a true copy of my credit agreement which I will be doing.

I also understand you are in NO way allowed to add charges or interest or attempt to ask me for payment or force me to make payment.

Unless they provide me with the true copy of the credit agreement I signed within 12 working days then they will be in default once they are in default they cannot pursue me for the debt nor instigate legal proceedings. If I then have not received the true copy of the credit agreement within 30 calendar days after the original 12 days expire then they then they commit an offence and the debt becomes unenforceable until they can locate the executed agreement.

If after either the original 12 days or the added 30 days have passed and you OR Vertbaudet attempted to enforce the agreement by writing to me to demand payment or telephoning me to demand payment or passing this on to the courts or another debt collection agency then you would be breaking the law and I would be able to report you and Vertbaudet to the fos and trading standards who will be taking up the investigation.

 

this was without the spelling mistakes. have not heard from them by letter or phone which is a good thing. WIll keep everyone inform about what is going on.

 

The GodMother

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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well lets just hope they are very stupid and dont notice my mistake.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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oh it now turns out that neither vertbaudet or empire stroes got the letter about the cca before the postal strike.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Well i dont know what is going on but today i recieved a letter from droyds regarding both vertbaudet and empire stores.

 

They both say.

 

Thank you for the £1.00 payment towards your account this now brings the balance don to £XX.XX

 

We will be in touch when your query has been dealt with.

 

These letters were date the 6th october. Now from my guesses i am predictiong that they got the letter on the 3rd.

 

I dont have any proof of what day the letter was signed for as royal mail still cannont provide me with this. Any ideas on what day i should say they got the letter and start counting from?

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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things only get better atm.

 

Royal mails website says that one is not delivered still and one was delivered today. Know knowing that they would have had to have recieved the letter at least the thursday, They were closed on friday for staff training as i had a telephone call from them thursday to asking about my letter which is above, then what do i do. Also as royal mail were on strike the friday and saturday how can they say the letter was recieved on the 6th being the saturday?

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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oh and one thing i forgot to ask. Should i see when the postal order was cashed. If so could i use it as proof to say what day the letter was recieved?

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Well things only get better.

 

Recieved a letter today from droyds regarding the vertbaudet account Dated the 4th october 2007.

 

What they have said is as follows.

 

I attach a copy of the standard agreement which you would have signed in accordance with the advice given to you at the time you established your home shopping account with Vert Baudet. You appear to have acted in a way which indicates that an agreement was in placing orders, recieving goods, returning goods within the approval period and making payments. Copy statements showing all transactions are also enclosed. These enclosures satify the requirements of a Section 77-78 of the Consumer Credit Act 1974 in regards to supplying a copy of the agreement and accounts statements.

 

I must , however, correct your statement that we are under an obligation to provide a facsimile cpoy of a signed agrement. The regulation only requires us to provide a copy of the agreement and it is not necessary to provide a signature box. I refer you Regulation3- Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 (SI.NO.1557)

I look forward to recieveing a offer of payment on the balance outstanding.

 

Yours sincerley

 

Miss J Wall.

For Droyds Debt and Collection Services.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Now in regards to the above i can scan a copy of the agreement that they have produced but i can only get it as a thumb nail.

 

I can safely say the agreement is only signed by Vert Baudet and has as fasr as i can see all the prescribed term but no details regarding me or my signature.

 

PLEASE COMPLETE.

 

customer number ................ BLANK

NAME................................ BLANK

ADDRESS........................... BLANK

 

This is a credit agreement regulated by the Consumer Credit Act 1974.

Sign it only if you want to be legally bound by its terms.

 

Signature(s) of Customer(s)......................BLANK

Date(s) of signature(s).............................BLANK

 

Any advice would be welcome

 

Thank you

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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the argeement they sent

img009 with paint.jpg

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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ty again paul.

 

I assumed it was not correct be did require confirmation.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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This

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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This morning i recieved another letter from Droyds regarding my Empire account. I had cca'd them. the letter i recieved back from them is basically the same as Vertbaudet but it does have sum differences.

 

 

Dear The GodMother.

 

I attach a copy of the standard agreement which you would have signed in accordance with advice given you at the time of your home shopping account with Empire stores. You appear to have acted in a way which indicates that an agreement was signed as you have conducted the account for sometime by placing orders, recieving goods, returning good within the approval period and makeing payments. I attach a sample of Your Guide to shopping with Empire sent to you with the agreements. Copy statements showing all transactions are also enclosed. These Enclosures satisfy the requirements of section 77-78 of the Consumer Credit Act 1974 in regard to supplying a copy of the agreement and accounts statement.

 

I must , however, correct your statement that we are under an obligation to provide a facsimile copy of a signed credit agreement. The regulations only require us to provide a copy of the agreement and it is not necessary to provide a signature box. I refer you to Regulation3-Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 (SI.NO.1557).

 

I look forward to recieving an offer of payment on the balance outstanding and would like to thank you for your kind assistance.

 

Your Faithfully

 

Miss J Wall

For Droyds Debt and Collection services.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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