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    • Would this be OK to send or is it too much detail already ?   "In response to your letter dated  xxx Intention of Prosecution reference xxxxxx I would like to advise that no collision / accident took place at the given date / time / location. There was however an altercation with the driver of a commercial vehicle who punched and kicked my car, verbally abused me when I stopped and acted in a distinctive threatening and aggressive manner. I advised I would be reporting him to his company for threatening behaviour and vandalism for punching and kicking my car whilst driving past in the road. When I tried to take a photo of his number plate, he came towards me in a further aggressive and threatening manner, so I decided to retreat into my car and lock the doors before he could reach me, as I was frightened he may assault me. I drove off and when I checked my phone later , the photo was regrettably unusable, as the camera couldn’t focus properly when I rushed back to my car. So I decided not to report him for his threatening behaviour and actions, as at the time I believed he would be untraceable anyway. So I am not sure if the accusations against me are in relation to this altercation, but no actual collision took place at this time , date and location as alleged in your letter"  
    • They have been sending messageslike " Do you want a refund or not"  which ive said im at work just try and avoid their childish obstuctive replies as ive had enough of them but i plan on going up tomorrow , so my question is,  they have to give me a refund dont they, they can not bargain or refuse the refund if they havent checked the phone first ? Their previous messages have said they want to check the phone first before a refund is given and i think theyll try this tomorrow as they have argued all through this .... If that happens can i just walk away and then send the letter of Particulars which is due next week ? Edit :   Just for the record the phone hasnt been used since buying its been put in a protective bag and put in a draw , its in the same condition as i bought it
    • To be fair ,  she has responded and said she's on holiday but returns Sunday and will bank transfer when she returns and i think i believe her.
    • Checking hi-tech with low tech - Wales leading the way Growing Mid Wales, an organisation set up to bring together the private and public sectors alongside the Welsh Government, has launched a mobile mapping project to track areas of poor mobile phone signal Powys and Ceredigion. They will be using bin lorries which have signal detection equipment installed, and thus able to create a comprehensive map of mobile 'not-spots' in the area, since those vehicles will be visiting just about every property in the area on their usual rounds. Just a moment... WWW.THINKBROADBAND.COM  
    • Hi there   thank you for the reply. No, it's not a silly question at all. I am convinced I didn't hit anything with my car. I was going very slowly and it was the guy standing next to his lorry in the road who punched and kicked my car as I went by. It's cause I saw him do it in the mirror.  I initially thought he did it because he thought I was passing him maybe too closely whilst he was messing around with his lorry ?  That's why I stopped and got out and asked what he thought he was doing hitting my car. He then just hurled abuse at me. Not making any accusations such 'you hit me' 'you hit my lorry' or you did this or that. He just swore and shouted at me. At which point I said I would be making a complaint to his company for his threatening behaviour and vandalism for punching my car. I went to my car , got my phone to take a photo of his number plate but then he came towards me again and I thought if he now hits me I am going to come second. I am a woman in her mid 50s travelling on her own and this guy looked like a Millwall football supporter (short, rotund, skin head) so I decided to leave this situation. I got back in my car closed the door and drove off before he could reach me.  I later checked my phone and noticed the photo was too blurred, as I turned and rushed back to my car too quickly before the camera could focus. So I thought it was pointless making a complaint as the guy couldn't be traced anyway, so I forgot all about it until yesterday. But this is all I can think of, it must have to do with this incident as it is in the same street.   
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    • 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.

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      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
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lightup v link and ford credit repossession of vehicle


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hi

i wonder if somebody could advise

 

i had an agreement for car with ford credit

i got behind with payments

i have paid over a third so they need court order

 

they have passed debt on to link fs who at first accepted £40 per month

 

link have asked for more money

it turned sour now they are demanding car back and threatening to go for court order in 2 weeks

 

the orriginal dn was served by ford,

link have not been assigned

they said we defaulted on the £40 arrangement which we didnt

 

then sent copy of dn served by ford

 

can link get po order or does it have to be ford?

thanks

Edited by citizenB
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I am sorry, I dont know the answer to your question. Just giving your thread a little nudge. :)

Edited by citizenB

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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thanks

 

anybody out there

just tried to phone link they were horrible

 

ust said we will take payments of £250

then no we wont go see a solicitor we are comming to take the car.

Edited by citizenB
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lightup, I will see if I can find someone to advise.

 

Ummm, you shouldnt ever phone a DCA.. especially Link. :(

 

I have also changed your title slightly, it might bring in more advisors :)

Edited by citizenB
amended title

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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This is just intimidation to make you pay more - they are greedy barstewards. I would call their bluff and tell them to take you to court as no court will ask you to pay more than you can afford. You paid the £40 regularly so that is proof in itself of your willingness to pay. Ask them outright - by letter - if they have bought the debt or are acting as a collection agency for Ford. You could also ask for a copy of the agreement to check if it is in order - they would have to produce the original to court.

 

Creditors and DCAs - Letter Templates & Budget Planner

 

Scroll down to Letter "N". Enclose a £1 postal order and send by recorded delivery. Print, don't sign, your name and send to Link.

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then sent copy of dn served by ford can link get po order or does it have to be ford?

thanks

 

The answer depends on whether the debt was properly assigned to Link or not - it hardly ever is. If Link take you to court you will have a very strong defence

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thanks

link say they are managing the debt

 

i will see what they come back with the full and final settlement and how long they will let me pay it

 

they are a very nasty firm

 

they said they would take a charging order on my property and

 

they did for a credit card debt

 

the judge gave it to them despite my best efforts

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just to let you know guzleguts

 

i have got the orriginal agreement from ford

 

it is all blurred

 

i asked a legal bod and they said it wouldnt matter who had the debt as it would be a solicitor who sued and they are allowed

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My DN has a late letter fee applied to it which i think would make invalid.

Link have been assigned the debt but i have had no NOA served on me!

 

And i think they are going to serve court papers next week, they will not listen to any proposal's i put to them.

 

GG

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Is there any chance you can scan up some of these documents please, there are some very astute people on this site who will be able to establish where you stand in the matter if you can?

 

Don't forget to blank out anything which might identify you.

 

Is the agreement enforceable will be one of the primary things to establish, valid DN's and NOA all play their part in proceedings too so it's better to know exactly what they've got.

 

Strictly speaking the legal bod is incorrect, it matters a lot who it belongs to. The solicitors will bring the case but as representative of the claimant.

 

The claimant might be either the OC (unlikely) or Link Financial.

 

Link can only bring the proceedings themselves if they are the owner and have full title.

 

The DCA's often cannot produce documentation to substantiate this fact.

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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Had a similar problem with link

 

send a cca request to establish if they have the right to collect on this debt

DO NOT SIGN ANYTHING that you send to them.

 

If after the statutory period they have not responded

the debt is in formal dispute and that will put a hold on any action.

 

They will probably send you a letter saying that they have to get the agreement from the original lender and that it may take some time,

 

meanwhile look through the threads on here and get as much knowledge as possible.

 

They are a bunch of lying scheming barstewards,

 

I went to court 5 times with them because they didnt comply with legislation

and despite me admitting part of the debt

 

I still got to pay what I agreed and a reduced sum because they couldnt substantiate their figures.

 

The people on this site will help you all the way so keep your chin up.

Dont let the parasite dca's prosper

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