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    • Yes typed it, how would I input it any other way, probably timed out took over half hour. H
    • You typed it in? actually typed it all out? if so, maybe you took too long or something, like session timed out. Does the status show defence filed or no change?
    • 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.  
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      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.

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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.

       

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default.... aktiv kapital


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Yes, I checked my copy of 1st letter sent this morning and it was pretty much a cca request but without stat fee and mentioning consumer act.

I did send an official one last week but was wondering why they had not even acknowledged my 1st letter....it has been signed for, I checked on the royal mail site.

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took me about an hour to find the other day

(please can someone make the CCA request template easier maybe out all the letters into their own post+forum)

Anyways:

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html (Letter N)

Might help:

http://www.consumeractiongroup.co.uk/forum/general-debt/83035-guidelines-requests-original-agreement.html

Ex-Retail Manager who is happy to offer helpful advise in many consumer problems based on my retail experience. Any advise I do offer is my opinion and how I understand the law.

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Recieved my cca from aktiv kapital via email today and as mentioned in my previous thread it was for an extended warranty for a washing machine almost 6 years ago and I cancelled the direct debit it when I no longer had the appliance (after 6 months) not realising I had signed a credit agreement.

 

The cca states the amount of credit was £80 at 0%apr and aktiv are claiming I owe £177.

 

I also recieved this following statement from them:

 

Further to our letter dated 5th November 2007 in which we advised we could not supply the copy of the agreement, please find attached a notice of intention to default and a copy of the agreement.Please disregard our letter as this was issued in error. We cannot supply you with a copy of the default notice as we did not record the original default.

 

 

Now I am not disputing I now owe them money but think it is unfair the amount has gone up so much when I have probably paid half of the original £80

 

So I will make an offer to settle but can I ask them to remove default as they cant supply me with the notice?

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The cca states the amount of credit was £80 at 0%apr and aktiv are claiming I owe £177.
Even if there's a contractual provision for interest after default, it's 0% !!

 

Bet your bottom dollar that there are charges added that are unenforceable. Ask Aktiv for a full breakdown of all credits and debits to the account.

 

If as you state you're happy to settle the original debt, make an offer to Aktiv that would reflect the debt being paid in full... ie, offer the £80 on condition that it's in full settlement and insist on that in writing before paying anything.

 

Best, Dave.

 

If my post was helpful don't forget to click the scales!

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Even if there's a contractual provision for interest after default, it's 0% !!

 

Best, Dave.

--

 

You've got to be a little careful with some of these 0% offers, sometimes they are weasley, and include a section in the terms and conditions allowing the interest rate to vary. Not sure how enforceable these terms actually are, though.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Would really appreciate some help re: default notice, not worried about paying debt.

 

Would love to get default removed and have a good credit file for the first time in years and then I might be able to get my capital one credit card transferred to one with a decent apr!

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If they did not default you then they should not be reporting that to the credit agencies. If they are then they should remove the default. Should they ignore or refuse to do so you have grounds to make a complaint to the Information Commissioner.

 

Before making an offer to Aktiv I would insist on a breakdown of charges added to the account and would insist on a deed of assignment being prodced showing they have the right to collect.

 

You should also bear in mind that if Aktiv have bought the debt they would not have paid anything like £80 for it - probably less than 50%, possibly less than 25%. If I was making an offer I would start at something around £20.

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As I type this I am on the phone to these people trying to get a settlement and they are saying they have no right to provide me with a copy of default notice.

I offered £60 as ffs and they refused and said they will accept £90.

The advisor is going to speak to a manager and call me back around midday.

Please can someone offer me some advice on what to say

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Ok, they have just rang me and said they will accept £63.50 as FFS.

I have told them to email me with that so I have proof they will not pursue me any further.

They are still adamant that they cannot remove the default "by law". :mad:

They have no copy of default notice, neither does original creditor and he said they have a notice of intent to default and that is good enough to allow a default to remain on my file.

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I have made the payment after recieving an email from activ kapital confirming the account will close.

I am awaiting a telephone call/email to see if they will remove default after I mentioned reporting them to ICO and FO!

I rang consumer advice this afternoon who said no default notice=no default and gave me the telephone numbers to report them.

I will give them 24 hours to call me back, then I will report them:)

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After paying Aktiv the FFS yesterday and asking them to remove the unsubstansiated default from my file I recieved this email today.

Can anyone help please?

 

The default recorded on your Credit file on 07th March 2002 is based on factual information and was correctly recorded as a result of non-payment of the account, hence we are unable to remove this information from your file. It would be a breach of Credit Bureaux rules to do so. The default will naturally "drop off" your file after a period of six years from the date it was recorded. XXXXX, who was the originating creditor, would originally have registered the default. Following assignment of the account to us, Aktiv Kapital was subsequently registered as the creditor with the relevant Credit Reference Agencies.

 

We have previously issued a copy of a letter issued to you by XXXXXX informing you that your account had been assigned to ourselves, along with a copy of the notice of intent

issued to you prior to the default being registered.

 

XXXXXXXX states that the default notice was sent. That is sufficient. There is no legal requirement for them to send you an actual copy of that notice under the Consumer Credit Act 1974.

 

This is our final response we will not enter into any further correspondence with you. You have a right to refer your complaint to the Financial Ombudsman Service, within 6 months of the date of this response, should you remain dissatisfied.

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