Jump to content


  • Tweets

  • Posts

    • I see that at the start of your thread you said they hadn't sent a Letter of Claim.  And in fact in all the uploaded material there is no LoC.  This is great news.  Even were you to lose - you won't - the judge would chop off a chunk of the money for their non-respect of PAPLOC. However, I'm a bit confused as you've named the file name as a SAR.  Are you sure about this?  Did you send any other letters apart from the one dx advised which was a CPR request (not a SAR) to DCBL (not Group Nexus).  I'm not being pernickety, this will be important for your Witness Statement further down the line.
    • I didn’t say it wouldn’t. That is not the issue here. To continue driving after the licence has expired (under s88), the driver must have submitted a “qualifying application”.  An application disclosing a relevant medical condition (of which sleep apnoea is one) is not a “qualifying application”, This means the driver cannot take advantage of s88 and must wait for the DVLA to make its decision before resuming driving. The driver’s belief is irrelevant. The fact that a licence was eventually granted may mitigate the offence, but  does it does not provide a defence. But this driver didn’t meet the conditions. I explained why in my earlier post. He only meets the conditions if his application does not declare a relevant medical condition. His did. As I explained, after his birthday he did not hold a licence that could be revoked. In my view it doesn’t matter what it says. The offence is committed because his application declared a medical condition. Meanwhile his licence expired and s88 is not available to him. The GP letter would form part of the material the DVLA would use to complete their investigations. But until those enquiries are completed he could not drive. The offence does not carry points or a disqualification (because a licence could have been held by your father). It only carries a fine and the guideline is half a week’s net income. If he pleads guilty that fine will be reduced by a third. He will also pay a surcharge of 40% of that fine. But the big difference is prosecution costs: a guilty plea will see costs of about £90 ordered whilst being convicted following a trial will see costs in the region of £600.
    • I'd recommend getting a new thread started about this. Let us help!
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Me & my Debts - Haydon DMP since 2001- they charge a £20PCM fee from my <£40 payment - CCA time? In Scotland too!


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3290 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I am interested in both options Rory,

how do i word the letter inviting them to write the debt off, and what chance is there that they will comply ?,

if i go for the reduced settlement on my terms, can this be done without them using the fact that as im making them an offer, then i am admitting they have the right to collect the debt from me ?.

Link to post
Share on other sites

  • Replies 237
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi Darkhorse,

 

Always send letters recorded delivery you're then building a file of evidence that you were trying to resolve the situation. If M&S continue to ignore you and decide to take 'further action' you already have several weapons to fight with.

 

If you don't already have your own thread then start one asap. This will help you and not divert blueda's thread off topic.

 

You're in good company on this site. I had a recent success against AMEX who did take 'further action' it cost them dearly:D

 

CP

Link to post
Share on other sites

Cunning Plan,

thanks , it's very reassuring.I'll still be following this thread and start my own if I have something to say. I didn't want to hijack this one, I just thought we were on the same path(don't really know how this works yet)

Link to post
Share on other sites

I have had no correspondence from Cabot since the above letter dated 27 March, which i never replied, i havent paid Cabot for the three accounts for 3 months now, is this the quiet before the storm ?. :???:

Link to post
Share on other sites

It may be some time before you hear from them again. It's been almost 2 years since I asked for a copy of my agreement. In their response apparently this would take them no time at all but they were popping the account on hold just in case. I haven't heard from them since on that one.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

From Cabot ?

hope we dont hear from them again then,

i really wonder how i got into so much debt so quickly,

we didnt have much to show from it, and we have paid back thousands, and still in debt

, i am wondering if i should send for a subject access request from Link financial, advice please.

Link to post
Share on other sites

  • 2 weeks later...

It depends on what you want to achieve.

 

They have not provided a valid cca so you can lawfully withhold payments

until they do or you can use this to reduce the balance and try and get them to accept a full and final settlement.

 

did you send a reply when they sent you and application form?

 

have they sent any demand for payment?

 

Ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

Hi Ida,

i did reply to the application form they sent, i have not yet stopped payment to them

i have stopped paying the three Cabot accounts,

i kept Link going so as to keep the connection with the debt management company and i am going to write to DMP to suspend payments to Link financial before the next payment is due.

As for reduced payment for full and final payment, i will be interested if they accept around £50.

Link to post
Share on other sites

you can only ask but make sure that it includes that no other company can persue for the remainder

 

Ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

here ya go:

 

Mr A N Other

1 High Street,

Newtown,

Kent

R21 4RH

 

 

June 28, 2006

 

 

The Loan Company

Company House,

Church Street,

Newtown,

Kent,

R1 7HG

 

 

Dear Sir/Madam

 

Re: 4563210025897412

 

We write with reference to the money which you are claming on the above account.

 

We can confirm that we are unable to offer to pay the money which we owe in full. However, I can raise £775 and I want to offer this as an ex−gratia payment in full and final settlement of the account. This offer is made on the clear understanding that, if accepted, neither you nor any associate company will take any other action to enforce or pursue this debt in any way whatsoever and that we will be released for any liability.

 

We also request that, if accepted, you will make an entry on a credit reference agency file relating to the above account as "satisfied" in full.

 

Payment can be made within 2 weeks of receiving your written agreement of this offer and method of payment.

 

We look forward to receiving your reply.

 

Yours faithfully

Mr A N Other

ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

Thanks Ida, i will consider making them a token offer and see how it goes, they will perhaps take the offer more serious after i have stopped paying them.

Link to post
Share on other sites

maybe add a sentance stating again they have not provided a valid cca and to try and resovle and bring a conclusion you are willing to offer the following etc etc

 

ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

Hi Blueda,

 

Personally I wouldn't bother with a SAR. What you've been supplied with by Link is unenforcable. A SAR wouldn't offer you anything more at this stage - plus you'll be out of pocket by £10 and the postage.

 

If Link continue to chase you, and their only route would be via court action then any information you'd need you'd get under Civil Proceedure Rules anyway.

 

I'd sit tight for the moment and wait to see what they do next. You have the upper hand at the moment and that's unlikely to change. Link know this.

 

CP

Link to post
Share on other sites

Cunning Plan this is a Scottish debt, not an English one.

The CPR does not apply in Scotland - it is part of the English legal system.

The Scottish legal system is very different.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

Hi Blueda & Rory,

 

Sorry Blueda didn't mean to mislead you. Thanks Rory for correcting me. I've been dipping in and out of this thread and obviously wasn't fully concentrating on it...

 

As for the second point you raised Blueda. Link and also our friends (I use the term in jest) at Cabot are two of the most difficult nuts to crack. But as several people have pointed out what they have sent is not a compliant document. Even so, on past experience, they will keep pushing & threatening which is what they are good at.

 

CP

Link to post
Share on other sites

If they feel stupid enough and not alot

just keep anything they send you

Ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

Hi Blueda,

 

Idainfife beat me to it.

 

Link must by now realise you have taken advice and they would be pushing their luck to take you to court. If they do chance their arm you already have enough information to compile a robust defence. Meanwhile

keep everything you have in connection with this, just in case.

 

I suspect they'll go away and look at other accounts they have and try their luck with those. Sadly there are still people who don't know their rights when it comes to DCA's and their questionable tactics.

 

CP

Link to post
Share on other sites

Hi Blueda,

 

A great number of people have been through the mill with DCA's. With assistance from this site,and others,the playing field isn't quite level - yet - but we're getting there.

 

If you haven't already take a look at the success stories here on CAG. It'll cheer you up and give you even more confidence. For starters here's my battle with AMEX. http://www.consumeractiongroup.co.uk/forum/legal-issues/144007-help-amex-no-cca-new-post.html You'll see they even offered to halve the amount I supposedly owed them in an attempt to get me to cave-in. I stood my ground and two days before the court date they wrote to me with an offer to drop the case if I didn't claim costs. Joy of joy what a turn around!

 

CP

Link to post
Share on other sites

Hi folks, i am planning to send a letter to Link financial, something like as follows

Dear Sir/Madam

Thank you for the information you sent, which i received on -----09.

The information you provided is not a Consumer Credit agreement and does not give your company any legal right of entitlement to claim money from me. I have therefore instructed my debt manager to cease making further payments toward this alleged debt unless you can produce a proper and valid copy of a Consumer Credit Agreement.

Yours faithfully

Blueda.

That is a rough version of what i intend to send, i have already sent Link two template supplied follow up letters, the latest one they have not replied to, as always advice is most welcome.:-)

 

Anyone ?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...