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    • Please name the dealer   I would start off by sending them a letter of rejection seeing as you are within the 30 days. This doesn't mean that you have to reject it but it reserves your position. Secondly, on the basis of what you say, I don't think that you need necessary to find the cheapest place. You should be looking at the best quality that you can find. I think the best thing to do would be to get to competing quotations for the work you propose to have carried out – and not necessarily at the cheapest place, but a couple of proper reputable garages – authorised for that kind of vehicle. Inform the dealer as to what you are doing and providing with copies of the estimates for the work before you put it in hand. Give them five days to object or to make other comments. Make it clear to them that once the work is carried out that you will be looking to them to reimburse you. Of course you are opening a can of worms here because if you get some further problems – more serious – you may find that the dealer is starting to say that because you have carried out your own work so your own repairer on the car, they cannot now say that any defects were inherent in the purchase – and that they may have been introduced by 1/3 party repairer. I'm afraid that you have certainly fallen into a trap of buying a car a long distance away from where you live. We find that people often tend to do that because they think the car they have found is the only one in the world for them. They forget to factor in the difficulties that they will be if there are defects – particularly if the car stopped altogether – the cost of transportation to the dealer, the cost of having to travel up and down the country to collect the car – and of course these difficulties could emerge several times through the initial years of your ownership of the vehicle if you are relying on your statutory rights and expect the dealer to meet those obligations. Furthermore, if you have to bring a court action against them you are now dealing with multijurisdictional claims – suing out of Scotland against the defendant in England and that adds to the complications. It's too late for you to do anything about this – unless you actually decide to reject the vehicle – but at the very least, other people who come across this thread may get some benefit from these comments. I think it's important for you to get the best quality repair you can and to make sure that the dealer is aware of what you are doing so that if later on they try to deny responsibility for further defects, that you will be able to show that they were fully appraised of what you are doing and they will have less room to manoeuvre themselves out of their statutory obligations. I'm afraid that purchasing a car from one dealer and then having it repaired by another service provider, brings into the same kinds of difficulties that somebody who purchases a central heating boiler from one supplier and then has it installed by a different supplier find themselves in. When things go wrong, the seller blames the installer. The installer blames the seller – and you, the customer, are piggy in the middle. Not a good place to be. I notice that you are doing things on the telephone. Big Fail! Read our customer services guide. In your situation you should be extremely careful to make sure that you have got a record of everything and a full paper trail
    • What information do DVLA need for a provisional licence ?   Think the ID issue needs to be looked at a bit more. Surely you have birth certificate, school information, Doctors records. School and Doctors should provide a letter to help with ID.                
    • Amex as with any creditor must help you the FOS should go with you and make them remove all interest charged from the very 1st time of asking for help. the FCA regulations actually almost dictate it, they most certainly clearly state that if the are FCA registered they must help.   it's very telling they have no marked your credit file....almost as if they know they are wrong. it's also telling that an irresponsible lending complaint might well be in order hear too, they can just keep upping the credit limit without checking you can pay. and ofcourse covid plays its part here and they've already admitted as they allowed payments holidays until october in line with the rest of the industry and they should be continuing that. you problem is you keep using the phone, no paperwork no record of things discussed. i'd get an SAR off to them. and get the comms/account log and all the statements from day one and go nail them.
    • Hello CAG, Bit of a long post, may want to get a cuppa before starting reading... 😁   after being a lurker for many years and trying never to get into a mess with credit cards like i did 20 years ago, i've got myself into a mess with Amex... I've tried being open and honest with them, but now getting the feeling they are messing me around.    Its not a chargecard, but a Nectar Credit Card with them. TAKEN out 2016. Balance is just under £15k as of today, was almost at £17k.  Debt still owed by Amex, not been sent to NCO/Arrow etc - YET...    Background (short version): Was all fine with more than min. payment (£500 or so), being made until April 2020 when a number of things reduced my monthly salary from work (mainly, take a pay cut or be made redundant), so I soon quickly realised i needed to tighten my belt quickly. Phoned Amex, advisor said nothing they could do except Payment Holiday. Was put onto that for 3 months, told that Amex will be in touch at the end to restart payments. I asked about interest being stopped/frozen/reduced - not possible. So agreed to payment holiday to give me breathing space. 3 months came and went, no contact from Amex... No payments made, interest still racking up at around £300 a month...    Rang Amex back (July 2020), we cant do anything today because your in the middle of the statement cycle call back next week. Called back week after, no solution yet (i asked about things i seen on Amex US website = Regain program - basically freeze card, lower interest rate and pay a set amount for 12 months - more about this later) > Not available in UK yet.   Want to stay on payment holiday Mister B? I asked if there was any way interest could be stopped as this is making the balance increase and increase. No. Do you want to stay on Payment Holiday? Ok. (Bear in mind, if i came off Payment holiday. Minimum Payment was around £570 per month.  So, stayed on payment holiday... Didnt hear anything from Amex again. Called back up in September 2020. Please call back in October after 10th and we can assist.   Called back after October 10, went through loads of stuff, different options etc, was warned that Payment Holiday might not be extended much longer, but now have a program. Worked out with Amex woman that i could pay around £200 per month. But please stop interest - no we cant but we can reduce this down to 9.9APR instead of 23%... . Amex woman said she needed to submit details to 'Seniors' at Amex, please call back next week for update.   Called back week after, advised that first Amex woman was wrong and had made mistakes, shouldn't have told me what she had told me, £200 is too low, minimum would be £389 per month for 12 months or account will default. Told Amex woman 2 that couldn't afford it, went through this last time, etc etc. Amex woman 2 went off, came back, £329.74 is minimum they can possibly accept, 12 months at that amount per month and interest would be lowered, but not stopped. If you dont take out this 'Program' then account will default and will be passed to NCO or Arrow (I hate them both).  Went off, tried to get loans etc, all refused. Rang Amex back, reluctantly agreed so i can keep credit rating at 'good'.  So, been paying since Nov 2021 @ £329.74.    Letter arrived in December - due to out mess up with moving accounts around whilst on payment holiday, we are going to give you £3074 back. Logged into account, only £30.74 refunded, not £3074. Phoned Amex cos thought it was a joke/mistake - Spoke to some bloke - Oh dont worry, the rest will be applied to account automatically in 7 days. he advised was genuine but then got cut off during call. Called back, spoke to some other bloke, yes, looks genuine but please hold... Came back 10 minutes later. Oh, its a mis-print, you are not the only customer to receive one of these. Each should have been £30.74 not £3074. Me = Gutted.    Wrote a letter to Amex saying how dissatisfied i was with general customer service and felt they were incompetent, blah blah etc. Final response received, Complaint partially upheld, heres £150 credit because we were a bit silly, but thats it. IF your still not happy, go to FOS. Opened a case with FOS... Have sent them the complaint letter to them and have had a call from them about this... FOS are backlogged though and will take another 3 months for complaint to be looked at by them.   Let me make this 100% clear, fully admit to owning the debt, yep, ive spent this money (wish I knew what on, cos having got much to show from it - just general stuff and holidays)... Not trying to shirk out of it, trying my best to keep up with re-payments but im really struggling. After I got paid on 1st April, after paying all outgoings i had £9.83 left in current account so am having to go into overdraft each month which is just a vicious circle.  I would really like to NOT have to down the default route and trash my credit rating and then have to deal with the morons at NCO / Arrow etc.    Meanwhile, this is where I need the advice of the CAG experts... - Credit Limit increases... These were coming every few months and it was just being upped and upped and upped. Credit limit eventually was stopped at £15,400. Some of the increases I never even received letter for, just noticed when I logged into account. >>>> Would this be a case for irresponsible lending?   - Stopping interest - I've read something on FCA site that they recommend (not policy) that if a customer is put onto a payment holiday then they recommend freezing interest for customer so the debt doesn't continue to build. I've asked time and time again, Amex just refuse.  >>>> Any tips on how to get Amex to play ball?    - Full & Final/Short settlement I've rung Amex today, told them I might be able to pay it off. Initially they said full balance, i then pushed, they then said they would accept 80% of balance, pushed them a bit more, got it down to 70%. >>> Surprised, and then very surprised they would accept 70%, anyone else think this is a bit odd? Normally they wont budge, or they wont budge from their first offer... Could their be something wrong on account (missing CCA etc?), or do they want rid of me and account as much as I do with them?   - Cant really keep going at these £329.74 repayments. Something is going to have to give somewhere. I believe they wont go any lower and they will just default it i send £100 instead of £329 and send it out to NCO/Arrow. This might not be a too bad thing though because this would stop the interest right? Anyone thoughts on this?    Anyone think of anything else I could try with them? Again, its still with Amex, not defaulted or anything yet, yep, its all my own fault, i've spent the money, dont deny that, just feel Amex have took advantage etc.   Many thanks for reading. Any advice is greatly appreciated.   Kr, Mista B.     
    • Ok so we have complained to HMRC but were still no further forward with getting the P45/P60. We need this as DVLA has said they need more proof of who he is before giving him a provisional license.  What more can l do. 
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
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lewells-----HELP ME!!


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Hello, i have debts of about £8,000(barclaycard/mastercard/barclayloan)

i kept up with payments up until january last year(2007) when i left my job to look after my daughter full time, my (now ex) partner at the time agreed to help cover the monthly payments but didnt, which means i havnt paid my debts for nearly 2yrs(yikes!!) i checked my experian credit info and it says "lewell financial ltd" looked into my credit info in july of this year but the address they have for me is one i lived in last june, moved and im so scared about not paying my debts i am not really registered as living anywhere(currently staying with my parents on a temp basis till i get a flat for me and my daughter) i dont have a bank account in my name as i was overdrawn with my acc at barclays aswell so didnt bother using the card again as i no it would have been taken etc, so im worried that they are looking for me and im not sure what to do, i dont have any way of paying my debts!! i really wanna get my debt trouble sorted as its really stressing me out and i think about it all the time! i got in touch last august with one of those companys who sort out payment arrangments with creditors but after they got in touch with barclays to find out the balance on my acc i havnt heard anything else!

can anybody point me in the right direction, i have been considering declarin bankrupcy in the hope it will get rid of the debt but as i live with my parents i dont want it being shown on their address!also i dont really wanna do it!

can anyone help?

thanks muchly

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I assume from your post that you have no money with which to offer even a token payment each month to your creditors

 

Sit tight and do nothing until you hear from a DCA then SHOUT and we will help.

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OK, tough situation, but not impossible to sort out.

 

Firstly, you have come to the right place. On CAG you will get the help and support you need.

 

Forget about companies who claim to help with debt problems. They are just looking to profit from other peoples' misfortunes.

 

Don't worry about bankruptcy yet, although in your case it would seem to one possible option for the future. If you own no property or assets and live on benefits you could be discharged in a year and be free of all this.

 

When you consider that the worst thing that can possibly happen to you will not in fact be very painful at all then you can put this into perspective.

 

Having supportive parents is a great help. Many people in a similar debt and poverty situation would be petrified of being left homeless. The negative side of this is that once you declare your hand the telephone abuse that is likely to follow will severely affect them as well.

 

I would try to open a basic bank account while I had a stable address. Make sure it is with a bank totally unrelated to any you have alleged debt problems with.

 

Are you sure it was "lewells" and not Lowells (AKA Clownells or the Leeds Losers) who were checking your file?

 

I will think of a coherent plan of action, and then come back here.

 

SH

All opinions of ScabHunter are offered in good faith and believed to be accurate and true. Please note, though, that I have no legal training and am human like the rest of us (except the DCA trolls).

 

If you have received court papers, PLEASE POST EARLY. We can help, but only if we are within the timescales.

 

I am happy to receive PMs (and friendship requests!), but if you want me to look at your thread please leave a link to it.

 

If I have been helpful, please feel free to click the old scales!

 

____________________________________________________

 

LIGHT RELIEF - SCABHUNTER STYLE

 

A reply to a DCA troll with a limited vocabulary

 

http://www.consumeractiongroup.co.uk/forum/bear-garden/131409-cheekiness-towards-dca-199.html#post1840093

 

A template letter accepting a full and final settlement

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/104668-cabot-windywoo-4.html#post1813490

 

A reply to ARE letter dated 13th November 20088

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/172657-mbna-letter-asking-me.html#post1863523

 

A reply to a naughty DCA suggesting that the alleged debtor was ignoring the poor dears, and promising a nice social visit

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/167422-help-needed-re-letters-3.html#post1850119

 

 

 

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There is a VERY strong case for declaring bankruptcy immediately here, as there are apparently no assets to go in to the bankruptcy estate, and it does not sound as though you are currently working.

 

As soon as the bankruptcy is discharged, you will be free.

 

I can understand you not wanting to go down this road, but it is one to seriously consider as the negative implications are so minimal.

 

Any other solution is going to involve a much longer and harder trip, and will probably involve some risk.

 

If you have the necessary court fee for bankruptcy, but really don't want to do it, I would keep it safe and in reserve. If any alternative strategy was to go wrong and blow up in your face, you would always have this fall back position to come back to.

 

Some factors which may influence the best plan -

 

How long ago were these cards and accounts actually taken out?

 

This is important to know for two reasons - firstly, it affects the chances of the alleged creditors holding enforceable agreements, and secondly, it will affect the likelihood of there being substantial unlawful charges which can be claimed back.

 

SH

All opinions of ScabHunter are offered in good faith and believed to be accurate and true. Please note, though, that I have no legal training and am human like the rest of us (except the DCA trolls).

 

If you have received court papers, PLEASE POST EARLY. We can help, but only if we are within the timescales.

 

I am happy to receive PMs (and friendship requests!), but if you want me to look at your thread please leave a link to it.

 

If I have been helpful, please feel free to click the old scales!

 

____________________________________________________

 

LIGHT RELIEF - SCABHUNTER STYLE

 

A reply to a DCA troll with a limited vocabulary

 

http://www.consumeractiongroup.co.uk/forum/bear-garden/131409-cheekiness-towards-dca-199.html#post1840093

 

A template letter accepting a full and final settlement

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/104668-cabot-windywoo-4.html#post1813490

 

A reply to ARE letter dated 13th November 20088

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/172657-mbna-letter-asking-me.html#post1863523

 

A reply to a naughty DCA suggesting that the alleged debtor was ignoring the poor dears, and promising a nice social visit

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/167422-help-needed-re-letters-3.html#post1850119

 

 

 

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There are other things that can be tried long before bankruptcy. For now all Lowell's have done is check your credit record. Leave well alone until they actually ask for payment then you find out if there is an enforceable agreement for any debt they claim.

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Hi, thanks everyone for your help, i dont work, i had the luxury of having some savings to live off of after i split with my ex in feb this year but they are running low so need to start looking for a job asap as i wanna get my life sorted lol! the only worry i have is that if i open an account and get a job and get a flat they will then know where i live so will start harrassing me for money and thats what freaks me out! i took out the loan and the mastercard and the barclaycard in 2004.....i think, or around that sort of time

if i declare myself bankrupt, what are the implications for my future? im doing a degree and want a well paid job/career in a few years but im worried about having a completely rubbish credit score!!!!

thanks xx :)

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Firstly, there are a few jobs that will ask for credit history, but a good many that don't. Even in the case of those that do, it is not always a complete bar to finding work. It really depends on which industry you want to work in.

 

2004 is a year which gives you a reasonable chance of stumbling upon an unenforceable agreement.

 

To be honest I am surprised the debt collectors haven't found you already, as your relationship with your parents should not be that hard to uncover.

 

I would take this one step at a time. Keep the savings that you have left in reserve (not in any bank accounts related to the alleged debts!), and try to find work first. Easier said than done, I know only too well.

 

Your parents' address gives you a stable base from which to launch a job search. When you find work, I would try to stay with your parents for a bit until you have got a bit of money behind you. This can be your 'emergency fund' should it transpire that there is no alternative to bankruptcy.

 

Don't let debt collectors' harassment freak you out. They have far fewer powers than they like to tell everybody they have.

 

Once you have managed to get your own flat, if you have not heard from the debt collectors yet, then you have a choice to make. You can wait until they come to you, and when they do, fire off CCA requests, or you can fire them off first. Waiting adds a bit of time towards the target of having the alleged debts reach statute barred status.

 

The CCA request will force the alleged creditors to reveal their hand. At this stage, it is a crapshoot. If they have no enforceable CCA, you are quite within your rights to stop paying them (if you ever started, that is).

 

If an enforceable agreement shows up, then it is time to send off an SAR, and see how much of the alleged debt is made up of unlawful charges. Obviously, without knowing your history, I cannot say whether this is likely to be a significant percentage or not.

 

At this stage you will know whether bankruptcy makes sense or not. It may well not, because if you are gainfully employed you will probably get hit with an income payments order and end up paying out as much as if you hadn't gone bankrupt. Bankruptcy is best for people living on benefits with no assets.

 

You will now be able to try and negotiate terms with the original lenders.

 

It may take a bit of time to straighten this out, but it certainly shouldn't be impossible.

 

SH

All opinions of ScabHunter are offered in good faith and believed to be accurate and true. Please note, though, that I have no legal training and am human like the rest of us (except the DCA trolls).

 

If you have received court papers, PLEASE POST EARLY. We can help, but only if we are within the timescales.

 

I am happy to receive PMs (and friendship requests!), but if you want me to look at your thread please leave a link to it.

 

If I have been helpful, please feel free to click the old scales!

 

____________________________________________________

 

LIGHT RELIEF - SCABHUNTER STYLE

 

A reply to a DCA troll with a limited vocabulary

 

http://www.consumeractiongroup.co.uk/forum/bear-garden/131409-cheekiness-towards-dca-199.html#post1840093

 

A template letter accepting a full and final settlement

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/104668-cabot-windywoo-4.html#post1813490

 

A reply to ARE letter dated 13th November 20088

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/172657-mbna-letter-asking-me.html#post1863523

 

A reply to a naughty DCA suggesting that the alleged debtor was ignoring the poor dears, and promising a nice social visit

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/167422-help-needed-re-letters-3.html#post1850119

 

 

 

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Bankruptcy is a very serious business because of the possible long-term consequences, and you should find out as much as possible about it.

There is a forum here covering bankruptcy (if you haven't already found it) - http://www.consumeractiongroup.co.uk/forum/formal-solutions-bankruptcy-administration/.

 

Other resources you should talk this through with are -

- the Citizens Advice Bureau

- National Debtline National Debtline, for FREE CONFIDENTIAL and INDEPENDENT ADVICE call 0808 808 4000

- the Government's insolvency website - The Insolvency Service Website

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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I agree with Palamino. Its very important you reseach bankruptcy and its implications before you decide. Its not the end of the world and indeed there are quite a few members on here who have been there and got the T Shirt.

 

HOWEVER you are a fair bit awat from that stage yet. Wait and see what the DCAs come up with. If they do threaten bankruptcy and you feel that is the best for you then you might as well let them pay for it. You will then see how keen they are if you call their bluff especially if you have no assets. In the meantime stay calm and if you need help just shout.

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