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    • 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.  
    • 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
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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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finbar1969/ Stat demand just recd from CAPQUEST.


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Only registered to get this off my chest.

 

Back in Summer 07 I done a credit check to reveal a ccj for £227.25 for a Egg credit card.

 

Contacted egg and arranged an arrangement to repay via Fredrrickson (their legal team is Byran Carter & Co) I repaid the ccj and pay a monthly amount with out fail.

 

Over the last 3-4 mths I've started receiving letters from Capquest for the same debt, (I have checked and double checked this fact)

 

The letters are getting more intimidating until on arriving home from work I have received a threat of a statutoty demans under section 268(1) of the insolvency act 1986.

 

I must have spoke to Capquest on numerous occassions explaining to them I am paying to Fredrickson (Byran Carter & Co) they basically ignored me and continued to harrass me.

 

I have sent on at least 2-3 ocassions a statement of my payment history and account to Capquest, all to no avail.

 

I'm at the end of my tether with this now and feel like paying no-one and taking the sh*t that will be justified, not when I've been paying fo nearly 18 mths without fail.

 

Apologies for the rant, but some advice and guidance would be appreciated.

 

Many Thanks

 

Finbar

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You need to speak to freds and ask them for a complete statement of your account proving that it is completely settled.

Then pop along to your local court, with your proof and ask that your CCJ be marked as "satisfied" this may cost something like £10. i believe.

 

Once you have done this you can then forward a copy to capquest requesting they remove all referance of you from there files. Also requesting this be confirmed in writing within 28 days, After that if there still contacting you, make a complaint to the Finacial Ombudsman about there conduct.

Halifax Bank - Owed £1599

23/3 - Data Protection Act sent

24/5 - Data Protection Act finally arrived

25/5 - Demand for repayment sent

04/10 Court bundle filed with court and Halifax

29/10 STAY ISSUED

JAN 08 - Currently being harrased by debt collectors!

Mar 08 - New DCA - Stopped in there tracks

Jun 08 - And another

Jul 08 - Complaint made to HBOS

Nov 08 - My accounts been sold to a DCA

Jan 09 - New complaint issued against HBOS

Mar 09 - Halifax re-aquired the debt

Apr 09 - Applying for Hardship.

 

at least they removed 2 defaults in selling accounts! :D

 

I dont not claim to know everything and any advice i give should be treated as MY opinion.

 

If ive been helpful tip the scales!

or better still

DONATE TO CAG - every tenner helps!

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You need to speak to freds and ask them for a complete statement of your account proving that it is completely settled.

Then pop along to your local court, with your proof and ask that your CCJ be marked as "satisfied" this may cost something like £10. i believe.

 

Once you have done this you can then forward a copy to capquest requesting they remove all referance of you from there files. Also requesting this be confirmed in writing within 28 days, After that if there still contacting you, make a complaint to the Finacial Ombudsman about there conduct.

 

My apologies I didnt make myself clear the CCJ amount was for £227 which I cleared and have a letter of satisfaction from Northampton CC.

 

The dispute is for the remaining balance with Egg (approx £2500) which I set up a monthly arrangement of £30 p/mth to Bryan Carter & Co.

 

Then Capquest turned up.....

 

Having browsed the site, I've decided to CCA both parties even though I've been paying one of them since Aug 2007, is this advisable ?

 

Again help appreciated.

 

Finbar

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certainly send off for a CCA to both companies, but keep the repayments going until they are in default of your request, which is 14 days from reciept.

 

As for capquest ask them for proof that they are authorised to collect on the debt, this would be in the form of a "Notice of assigment" which you should recieve "Before" they start demanding

Halifax Bank - Owed £1599

23/3 - Data Protection Act sent

24/5 - Data Protection Act finally arrived

25/5 - Demand for repayment sent

04/10 Court bundle filed with court and Halifax

29/10 STAY ISSUED

JAN 08 - Currently being harrased by debt collectors!

Mar 08 - New DCA - Stopped in there tracks

Jun 08 - And another

Jul 08 - Complaint made to HBOS

Nov 08 - My accounts been sold to a DCA

Jan 09 - New complaint issued against HBOS

Mar 09 - Halifax re-aquired the debt

Apr 09 - Applying for Hardship.

 

at least they removed 2 defaults in selling accounts! :D

 

I dont not claim to know everything and any advice i give should be treated as MY opinion.

 

If ive been helpful tip the scales!

or better still

DONATE TO CAG - every tenner helps!

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Yes your right, looking back it looks like BC applied for a CCJ of 10% of the amount, which covers there costs. They are taking there interests before that of there clients. Well spotted

 

Finbar, im presuming the CCJ was only for 10% of the total balance?

if so its a standard procedure for BC/Freds

Halifax Bank - Owed £1599

23/3 - Data Protection Act sent

24/5 - Data Protection Act finally arrived

25/5 - Demand for repayment sent

04/10 Court bundle filed with court and Halifax

29/10 STAY ISSUED

JAN 08 - Currently being harrased by debt collectors!

Mar 08 - New DCA - Stopped in there tracks

Jun 08 - And another

Jul 08 - Complaint made to HBOS

Nov 08 - My accounts been sold to a DCA

Jan 09 - New complaint issued against HBOS

Mar 09 - Halifax re-aquired the debt

Apr 09 - Applying for Hardship.

 

at least they removed 2 defaults in selling accounts! :D

 

I dont not claim to know everything and any advice i give should be treated as MY opinion.

 

If ive been helpful tip the scales!

or better still

DONATE TO CAG - every tenner helps!

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Share on other sites

Really appreciate the replies people, pi**ed off to be fair.

 

Had a mooch through the original paperwork from Fredrickson's.

 

Original balance was £3588.44

I cleared the CCJ of £227.25 back on the 23rd August 2007.

 

Egg said they would accept £ 2372.65 before 1st January 2008, couldnt do this so been paying £30 per/mth since.

 

Utilised the CCA Templates and going to send tomorrow to both DCA's by recoreded post.

 

Oh and no-one's getting paid nowt until I've some confirmation of who exactly owns this debt.

 

Thanks again.

 

Finbar

 

Apologies for the font.

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Finbar

 

I would also send a S.A.R.S request to fredricksons and Capquest. Without authority from egg to act on there behalf neither can make you pay any money. Telephone both companys tomorrow and let them know that you are posting a letter to them to dispute the debt under s77/78 of the Consumer Credit Act and also ask them to place the accounts on hold until the letters arrive. Both companys have to place these accounts on hold. Send the letters off recorded mail and don not sign your letters just print your name. If neither company hold authority to act on behalf of egg then there have both breached the CCA. 42man i feel would be best to advice you further

Cases won.

 

Littlewoods, Moorecroft,Nationwide £923.12 written off

 

CapQuest Debt Recovery

£687.34 written off OH

Reliable Collections

£2076.11 too be written off OH

 

Egg

£317.38 Charges paid back and cheque for £250.64 p for myself

 

If i have been any help to you tip my scales

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Finbar

 

I would also send a S.A.R.S request to fredricksons and Capquest. Without authority from egg to act on there behalf neither can make you pay any money. Telephone both companys tomorrow and let them know that you are posting a letter to them to dispute the debt under s77/78 of the Consumer Credit Act and also ask them to place the accounts on hold until the letters arrive. Both companys have to place these accounts on hold. Send the letters off recorded mail and don not sign your letters just print your name. If neither company hold authority to act on behalf of egg then there have both breached the CCA. 42man i feel would be best to advice you further

 

I'm sorry Hawk, but this has gone past this stage, DON'T send anything to anyone until PT or X20 has replied to this thread.

 

Jogs

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Hi,

in a nutshell, if you paid the CCJ then the debt is satisfied

 

its not your fault that the solicitors were negligent and failed to conduct themselves accordingly, i would write to who ever is chasing you for this debt and advise them its been paid and it is satisfied so sod off and leave you alone

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just to expand upon my above comment

 

it is standard practice for Brian Carters to split the cause of action into two or three claims, this is unlawful and contrary to S35 County Courts Act 1984

 

in most cases we see on here the people have not settled the CCJ, so we help them get it set aside and then fight back .

 

however your case is slightly different, here you have had a CCJ, youve paid the CCJ and as far as we are concerned you do not have a debt, the fact that carters cocked it up is not your problem, think of it like the double jeopardy rule, you cant be stuffed for the same thing twice;)

 

so since you have satisfied the CCJ, you should advise Capquest that this debt has been before the court and the matter has been settled, the CCJ is satisfied and you would like the matter closed

 

if they persist and issue any more proceedings against you then they can be struck out without question as an abuse of the process

 

i hope this helps

 

Regards

 

Paul

  • Haha 1
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Well said PT

Halifax Bank - Owed £1599

23/3 - Data Protection Act sent

24/5 - Data Protection Act finally arrived

25/5 - Demand for repayment sent

04/10 Court bundle filed with court and Halifax

29/10 STAY ISSUED

JAN 08 - Currently being harrased by debt collectors!

Mar 08 - New DCA - Stopped in there tracks

Jun 08 - And another

Jul 08 - Complaint made to HBOS

Nov 08 - My accounts been sold to a DCA

Jan 09 - New complaint issued against HBOS

Mar 09 - Halifax re-aquired the debt

Apr 09 - Applying for Hardship.

 

at least they removed 2 defaults in selling accounts! :D

 

I dont not claim to know everything and any advice i give should be treated as MY opinion.

 

If ive been helpful tip the scales!

or better still

DONATE TO CAG - every tenner helps!

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One other tack to follow : lodge a formal complaint with Egg. They will whinge and whine of course but wait for the phrase 'final response' and then complain to the FOS.

Basically Egg have cocked up and must be made to pay.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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One thing I did in similar circumstances was to write to both the original creditor and BC thanking them for letting me off 90% of the amount owed since they were never able to claim for the balance for the reasons advanced by pt above.

 

BC made silly little threats but nothing has actually happened. The OC expressed surprise as they claimed the debt had been sold to Fredricksons and it was now none of their business. Childish.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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Just come in from work and logged on, I'm slightly confused as to what to do next.

 

Firstly I've dug through my paperwork and found my letter of satisfaction from Northampton CC to the tune of £200, although I paid Bryan Carter & Co £227.25 :confused:

 

Really appreciate the responses from you guys I really do, but I'm getting confused with abbreviations such as CCA's & SARS, what exactly do I do next considering Bryan Cater & Capquest who I believe are due to serve me with a statutory demand on the 4th Oct.

 

Apologies for sounding naive but I want to do this right and in the correct manner/channels.

 

BTW I havent sent the CCAs, holding tight on what to do next.

 

Thank you once again.

 

Finbar

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The simple answer is that debt is paid!

 

Send a letter to Capquest and Freds with a copy of the satisfaction order from the court, telling them that the debt is satisfied.

 

Now we need to see if you can reclaim the extra you have paid.

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Thanks for the response havinastella.

 

Let me get this clear in my head, my letter of satisfaction is for a CCJ for £200.

 

The outstanding debt originally with Egg is £3588, because Byran Carter/Freds issued a CCJ for this amount and I paid it, theoretically I've cleared the whole amount ?

 

Apologies again for being naive, is this the case ?

 

Also is there a template of something I can incluse with the copy of the letter of satisfaction, worded correctly etc, dont want to trip myself up at this stage.

 

Once again, many thanks.

 

Finbar

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You haven't cleared the whole amount, just the amount of the CCJ.

 

HOWEVER claimants are allowed only one bite at the cherry so they cannot now take you to court - or carry out any other enforcement for that matter - for the rest of it.

Effectively they have written off the balance. You still owe it but they have no way of making you repay it. None at all.

Better still your credit record with the credit reference agencies has the CCJ marked as satisfied.

 

As for the certificate, send a copy (NOT the original) to BC with your own equivalent of a 'with compliments' slip. A letter quoting the case number and saying something like 'for your information'. Simple as that.

He won't like it, but that's fine.:)

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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Thank you palomino.

 

I'll do that asap, recorded delivery I presume, and no signature ?

 

Also do I send Capquest the same copy of the letter of satisfaction ?

 

Regards

 

Finbar

 

PS: you mentioned a letter palomino, how should i word it, any suggestions ?

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