Jump to content


  • Tweets

  • Posts

    • Morning, I purchased a car from Big Motoring World on 10th December 2023 for £14899.00. On the 15th December I had a problem with the auto start stop function of the car in which the car would stop in the middle of the road with a stop start error message. I called the big assist and the car was booked in for February. The BMW was with them for a week and it came back with the auto stop start feature all fine and all error codes cleared on the report from big motoring world. within 5 days I had the same issue. Warning light coming on and the car stopping. I called big assist again and the car was again booked in for an other repair in May. Car was taken back in may, they had the car for a week and returned with the report saying no issue with the auto stop start feature and blamed my driving. Within 5 days of having the car back it broke down again. This time undrivable. I had the rac pick my car up and take to Stephen James BMW for a full diagnostic. The diagnostic came back with the car needing a new fuel system as magnetic swarf was found.  I have sent big motoring world a letter stating all the issues and that under the consumer rights act 2015 I have asked for a replacement vehicle. all reports from Stephen James BMW have been sent over to big motoring world. Big motoring world have come back and said they will respond to my complaint within 14 days for the date of my complaint letter. I am not feeling confident on the response from them, what are my next steps?   Thanks in advance. 
    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
  • 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 
        • 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

help being hounded by debt collectors


jondanbob
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5581 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

hi

need help, i am currently being hounded by about 5 collectors roughly 400 total.

i do not have any income im currently on incapacity benifit roughly 75 per week just applied dor dissabled alounce, this is long term i do not see myself going back to work.

i have always, always paid any debts, can i be expected to pay these debts, i have written explaining i have no income but they are

bombarding me.

1, they have added fees, including a court fee eaven though havnt been to court can they do this??

2 will they take it to court and send the heavys round to collect the tv??

3 can i offer to pay 1 pound per month??

many thanks in advance for your help

Link to post
Share on other sites

Hi.

Don't worry too much.

They can't come and take your TV!

 

First things first.

 

DON'T TALK TO THEM ON THE PHONE.

 

May I ask to whom the debts are (allegedly!) owed, and the rough

amounts? - It might make a difference as to advice given.

 

What you should do, in general, is:

 

Write a letter to each of your debt collectors telling them to prove they are entitled to collect - this is called a CCA letter, from The Consumer Credit Act (1974, as amended). You have to enclose a £1 Postal Order to make it a valid request.

Each debt collector MUST reply within 12 working days (+2 for postage) or you don't have to pay them ANYTHING, and they can't do ANYTHING to force you.

 

DON'T TALK TO THEM ON THE PHONE.

 

IF (when) they reply, scan the letter, and post it on here (with personal details blanked out) - we'll give our opinion as to whether it is valid or not.

 

DON'T TALK TO THEM ON THE PHONE.

 

If you are sent a valid CCA (and 99% aren't!), then you should make an offer to pay £1 a month.

 

DON'T TALK TO THEM ON THE PHONE.

 

If the worst comes to the worst, then the DCA may take you to court.

We can help with a defence, and even then, no court will make you pay more than £1 a month if you are on benefits.

 

and finally:

 

DON'T TALK TO THEM ON THE PHONE.!

Carpe Jugulum

Link to post
Share on other sites

CCA request letter:

 

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY OR ANY COMPANY YOU CLAIM TO REPRESENT

 

Dear Sir/Madam

 

Re: Account no: xxxxxxxx

 

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77(6) will apply.

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

 

 

Yours etc

 

 

Link to post
Share on other sites

hi

need help, i am currently being hounded by about 5 collectors roughly 400 total.

i do not have any income im currently on incapacity benifit roughly 75 per week just applied dor dissabled alounce, this is long term i do not see myself going back to work.

i have always, always paid any debts, can i be expected to pay these debts, i have written explaining i have no income but they are

bombarding me.

1, they have added fees, including a court fee eaven though havnt been to court can they do this??

2 will they take it to court and send the heavys round to collect the tv??

3 can i offer to pay 1 pound per month??

many thanks in advance for your help

Hi Jondanbob :)

Have I read this right? 5 debt collectors are chasing you for £400?

Do you recognise the debts?

Please don't worry, you've had really good advice. I saw something on the news the other day... will come back. I have a feeling this may be a '[problem]'.

As everyone's saying, don't talk to them on the phone, ever!

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

Link to post
Share on other sites

If you've always paid your debts and don't recognise them at all never, never contact them and take their letters to Citizens Advice, or the Police. The OFT is cracking down on [problematic] and I'm certain I've seen news like this recently. People will pay these criminals just because they're ashamed, embarrassed, confused and afraid. Please don't let yourself be one of them.

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

Link to post
Share on other sites

Did I forget to mention that?

 

:p

Nope you didn't forget :D You said:

DON'T TALK TO THEM ON THE PHONE.

 

DON'T TALK TO THEM ON THE PHONE.

EVER, EVER, EVER. ;)

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

Link to post
Share on other sites

Here's something. It might not reflect your own circumstances JondanBob, but it gives an indication of what to watch for:

OFT launches scams awareness campaign

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

Link to post
Share on other sites

Hi Jondanbob :)

Have I read this right? 5 debt collectors are chasing you for £400?

Do you recognise the debts?

Please don't worry, you've had really good advice. I saw something on the news the other day... will come back. I have a feeling this may be a '[problem]'.

As everyone's saying, don't talk to them on the phone, ever!

 

hi many thanks for your replys, yes these are my debts its not a [problem] why is everybody saying dont talk to them over the phone??

1 vodafone 100, plus 15 court 50 solicitors costs,

2 ebay 47

3 dvla 80

many thanks for your time and help

Link to post
Share on other sites

why is everybody saying dont talk to them over the phone??

 

Cos the phone monkeys are paid on commission, and will bully, lie, cheat, bull^cowpat, and intimidate you into paying.

At the very least, they'll make you feel like s*** for hours afterwards.

 

Wait until you feel more confident (give it a couple of weeks of reading on here), then you can go "DCA-baiting", but until then -

 

DON'T TALK TO THEM ON THE PHONE!

Carpe Jugulum

Link to post
Share on other sites

Hi pinky are you well.

 

£400 Is that the the total outstanding monies

 

 

if so write to all your creditors

Tell them you are in trouble. Ask for time to put your affairs in order

and pay them what you can pro rata.THIS COULD BE A LITTLE AS £1 PER MONTH EACH,Which is called a token payment

 

As explain in other post there is very little they can do, but scare you

i urge you not to talk to anyone on the phone in regards to these outstanding monies.

 

best regards lilly

 

 

Link to post
Share on other sites

Don't offer them anything.

Send the letter that Clemma posted (above) including £1 postal order.

keep the proof of posting, (or better still, send recorded), keep the PO receipt.

 

See what comes back.

 

Apart from that,

 

lie back and relax.

Carpe Jugulum

Link to post
Share on other sites

Unfortunatley the debts are not covered by the cca so there is no need to send it.

 

In the below link there is letter templates to help you make an offer of payment. Letter B should be suitable and just edit to your needs. If £1 per month is all that you can afford then offer that and include £1 postal order with the letter

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

even if they do no accept your offer, just continue to make the payment on time each month.

 

and welcome to cag

 

Ida x

 

p.s in case no one has mentioned it do not speak to these people on the phone as they will try to bully and scare you

 

you can add this to the letter you send them

 

ear Sirs

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

I now require all further correspondence from your company to be made in writing only.

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to, FOS, OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

Be advised that any further telephone calls from your company will be recorded.

 

 

if they call do not go through any details and just say every thing in writing and hang up

 

Ida x

  • Haha 1

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

Moorcroft have NO LEGAL POWERS whatsoever and should not be paid one penny as they very often tie in people with the same name to a debt they will have bought for pennies. They are the least of your worries.

 

With the 3 DVLA debts are you sure they are yours? I can't help much on these but I can help with getting rid of Moorcroft and their friends...

 

As you are on benefits you can ask the CAB to help you here, they may be able to talk to the relevant people for you and get them off your back.

 

With the debt where they have added court costs of £15 that is not the correct amount, they are trying it on. You need to take that letter to your CAB office and get them to help out - if not follow the advice on here and you should be able to rest easier.

Link to post
Share on other sites

Unfortunatley the debts are not covered by the cca so there is no need to send it.

 

In the below link there is letter templates to help you make an offer of payment. Letter B should be suitable and just edit to your needs. If £1 per month is all that you can afford then offer that and include £1 postal order with the letter

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

even if they do no accept your offer, just continue to make the payment on time each month.

 

 

IMHO, get their bank payment details and pay your token payment over the counter at a bank, using your account number as a reference number. With postal orders they can choose not to accept your payment and return it. They cannot do this with a bank payment.

Link to post
Share on other sites

CCA's only apply to things such as credit cards, loans or HP items. I would send the letter ida suggested (which is this one). Edit to suit.

 

Dear Sir/Madam

 

Re Account No/Reference No:− xxxxxxxxx

 

Since making that above agreement with you, our circumstances have changed.

 

We cannot now afford to agreed monthly payments because ... [your paragraph added here]

 

We enclose a Personal Budget sheet which shows our total income from all sources, and our outgoings. As you can see we have only £x per month left for our creditors. The offers we have made to our creditors have worked out on a pro−rata basis, and we have written to all our creditors asking them to accept reduced payments.

 

In view of our circumstances, please would you agree to accept a reduced offer of £x per month. If interest or other charges are being added to the account we would be grateful if you would freeze these so that all payments made will reduce what I owe you.

 

Should our circumstances improve we will contact you again.

 

We would be grateful if you would send a paying−in book to make it easier to pay you. Thank you for your assistance. We look forward to hearing from you as soon as possible.

 

Yours faithfully

Link to post
Share on other sites

I recieved a fine originally for £60 for travelling 2 stops on a bendy bus without a ticket on 30/8/2007.

I did not pay this fine on the spot and recieved a letter about 1/2 a year later asking for me to pay the fine which I did not do. I then recieved a further letter with an increased fine of £110 which included a bailiffs fee of £50. I recieved this on the 4/12/2008.

I paid £11 of this and incurred a £1 charge.

I was asked to pay the same again on the 24th December but due to bereavement I forgot about this.

I did not recieve any further contact until Friday 13th February when my girlfriends number was called by Mr Driscoll of the Marston Group demanding full payment of £270 (if not he said he would bring a locksmith and break into my parents house) which my girlfriend paid for me in two installments in the space of a week. However they have taken £275 from my girlfriends account as I did not have the money at the time(he demanded that I borrow to pay).

I did not recieve any correspondence that he would be attending my house to levy or of the increased charges.

When I asked for a full breakdown Mr Driscoll diverted my question and said that the receipts for payment have been posted.

What can I do to challenge this as I am sure I have been scammed?

I am also unemployed and had to deffer entrance to university due to the costs of travel. Please help. What can I do?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...