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    • 12+2 working days.   a dca can't hurt you credit file any more anyway.   only the original creditor can issue and register a default, on or before the sale of the debt.   what the dca put in the calendar section is immaterial as only you and them can see it it does not extend the 6yrs period whereby the debt shows on your file and after which the 6th defaulted date's birthday causes the whole file to removed regardless to paid or not, paying or not......makes no odds. it still goes, but might still be owed mind, depending upon the contents of the CCA return.   dx  
    • Hello   I agree with dx100uk.   Send them a CCA request which is a request for them to produce the original agreement that gives rise to the debt.  They have a limited amount of time (I think around fifteen days) to send you the document.   Here are the possible follow-ons from that:   1. They don't respond within 15 days and so you are legally entitled to stop paying until they do send a response. 2. They send a letter saying they have gone back to the original creditor to ask for the document and they need more time.  You (legally) stop paying after fifteen days and don't pay them again until they send proof. (This is the most likely first response as they wont have any of your documentation as they bought your debt as part of 1000 others on a spreadsheet on a CD ROM or USB stick). 3. They send you something that looks like a contract or which might be something else that they want you to think is the contract within the time frame.   After either of the above  whatever they send you should be referred back here for an assessment as they will often send you unsigned documents or made up bits of nonsense.  Even if the contract turns out to be the genuine one it still might not be enforceable due to errors made by the creditor at the time of signing.   The only potential downside to the above is that they could try to damage your credit record but probably it is as much damaged as it can be by this debt already so nothing else they can do will make it worse.   Following on from the above you can continue to not pay them.  I would setup an on-line savings account and pay yourself the money instead which has the advantage of creating a resource in case you need to resume payments in the future.   They may send you further letters either inducing you to resume payments by threat or by offering you a deal.  If the document is not valid then the only deal you need to take is the one you unilaterally entered into at T plus 15 days when you agreed with yourself not to pay them another penny.   It is not impossible that they will send you a letter saying the debt is unenforceable (miraculously I have actually seen one!) and asking you to pay anyway which you will of course ignore as you should not be giving any member of this low life industry any encouragement.  
    • I agree and I've no doubt that will happen in the future, but if a court claim is issued and a ccj successfully registered against the debtor then it will never be sb anyway, so are we more likely to see more court claims in the future ?      Can it not work both way though, if the sb date is ultimately aligned to the date of the default notice, essentially giving the creditor 6 years to collect or issue a court claim then regardless of when the debt was last acknowledged / payment made, a debtor could just tell the creditor to eff off after the 6 years is up, figuratively speaking     
    • Received acknowledgement of defence submission from court. VCS now have the option of continuing their claim or not. Watch this space !!!!
    • Yes it doesn't work HB  In Wales someone needed a test on a Sunday, the testing station at Llandudno Hospital was closed, so they could either go to Manchester, 75 miles, or Cardiff 200 miles and a 10 hour round trip.   But as Manchester is England no guarantee on getting test results.
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      I was in Sainsbury’s today and did scan and shop.
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Hi all

I had a serious overheating problem with my 97, A4, 2.6. The heater had also stopped working, I thought this might be due to a faulty water pump?

I took it to an Audi dealer who offered to do a new MOT, 'service' and change the water pump (and new cambelt, as water pump is driven by it) for £820.

This was on the 19 June.

I was first told it was the thermostat, which was replaced.

Then perished coolant hoses and coolant tank, which were replaced.

Then it was the water pump, which was replaced.

Then the service was done, which did not even include spark plugs!

Then the MOT was done, which revealed faults in excess of £750.

My bill was £932, without the mot work done.

The car is worth less than £1000, if the MOT had been done first, I would have scrapped it.

I picked up the car finally on the 1st July, drove 12 miles and the car overheated and blew the hose off the coolant tank. I phoned the garage who told me it was not safe to drive and a recovery truck would pick it up in the morning. They sent somebody out to pick us up and returned us to the garage and gave us a courtsey car, (again).

They picked up the car the following morning and drove it back.

Now they say it needs a new radiator £300, I said no, bring it back.

They have just returned the car, and I was to be aware that they had by-passed the heater matrix to identify the problem and had not returned it to it's original state.

What I can I do about this?:mad::mad::mad::mad:

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By passing the heater matrix won't prove anything. In fact it can act as an additional radiator in an emergency. Perished coolant tank is negligible, coolant hoses possible but I doubt it. Water pump replacement is a major operation on this engine and the cam belt would need to be replaced as a matter of course. On balance the charges for a main dealer seem fair but the issue is it still overheats.


The problem you have is identifying why.


Personally I think it was a mistake to ask for the car back. I take it you no longer have their courtesy car.


I think your best bet is to go and see the service manager and dealer principal and state the following.


"Whether or not the work you have done has not fixed the underlying problem I first complained about and brought to you as the manufactuers representative and experts in these cars. It seems that you have sold me work and parts that were uneccessary. I accept that I might have some beneficial use of the parts used but I am not prepared to pay for mis diagnosis and subsequent repairs. I want you to recover the car and repair it properly for the original fault I brought it in for at your cost."


Don't tell them about the heater by pass fault but make sure you photograph it for future reference before they see it. It could be the ace in the pack so to speak.


Do that and let's see what the outfall is!

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Well mate,


I have similar problem with the car, brought to VX.

I would suggest to take car to independent or another Audi centre and ask them to replace this valve. If this thing helps to resolve problem, then make photocopy of reciep , attach it to &-days registered letter and ask Audi to give you Full refund in terms of inconvinadinience and non proffessional job.

Otherwise, go to local Council Trading Standards, Take free solicitor and sue Audi for serious ammount of money. U cn mention them, that u will print articles in local press and it will harm their business.

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Thanks for your responses, I have fixed the car myself, it was the radiator.

I have written to Audi, (thank you heliosuk) and am awaiting their reply.

Many Thanks


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