Jump to content


  • Tweets

  • Posts

    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
  • 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

Marlin Financial Services collecting debt on behalf of yes car credit


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5295 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

 

Not sure if I put this in the right place. But to cut a long story short the oh got a car from yes car credit in june 2003 he failed to make the first payment and car was repossessed. Marlin took over the collection of the outstanding debt and upto todays date oh has paid £5414 off the £9300 owed to them through a debt management plan.

However we don't think that the money they sold the car for at auction has been taken off the debt and having read alot of things on here the general opinion seems to be that Yes car credit loans bought by Marlin are not enforcable. How to I go about dealing with Marlin with regards to this? Any advice would be appreciated as we would like to get rid of the last £3886 if we can. Thanks:)

Edited by sarahslc
Link to post
Share on other sites

Hi

 

Not sure if I put this in the right place. But to cut a long story short the oh got a car from yes car credit in june 2003 he failed to make the first payment and car was repossessed. when that month? Marlin took over the collection of the outstanding debt and upto todays date oh has paid £5414 why are you paying all this money if they took the car back within 1 month of the agreement off the £9300 owed to them through a debt management plan.

However we don't think that the money they sold the car for at auction has been taken off the debt How much did they say they sold it for at auction and having read alot of things on here the general opinion seems to be that Yes car credit loans bought by Marlin are not enforcable. How to I go about dealing with Marlin with regards to this? Any advice would be appreciated as we would like to get rid of the last £3886 if we can. Thanks:)

 

Seems to me that someone is having you on here if you have paid £5400 for a non existant car - I hate to say it but I have a feeling you have been well and truly taken for a ride

Link to post
Share on other sites

We have only paid so far as we have been told (by a few sources of advice) that the credit agreement still stands as the car was repossessed and that we have to pay the balance less the auction proceeds. I appreciate we may have "been had" that is why I am now looking for advice on how to deal with this so we don't have to pay them a penny more if we have to.

Link to post
Share on other sites

Hmm, :cool:,

Who has told you you have to pay this money?

Have you kept a record of all the money paid and to who it has gone to?

 

Give the national debtline a ring

Edited by Bazooka Boo
My Opinion WAS WRONG!!!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

Most prob it was Mark :rolleyes:

 

Been ringing him ever since his rise to fame, and still can't get to speak to him?:confused:?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

I got a car back in July 2003 from YCC and VT the car 2 years l8r in August 2005. They told me I did not owe them a penny, 8 months l8r sent me a bill for £3000, saying there was 2 months payments left owing on vehicle and still got to pay PPI, never told me how much they sold car for and I started to pay them, got down to £2400 and then i moved house and they never bothered finding me, but now left with default on credit file which comes off next year, but i think you may be able to claim ALL PPI back as a lot of PPI was mis-sold by this company, i want to claim it back myself but might get lumbered with rest of VT payment?:(

Link to post
Share on other sites

I dont think they are allowing anyone to speak to Mark from now onwards :D

Have you actually asked for him? if so what have they said to you?

 

I'll have to check the recording, one woman told me he didn't work for them and I would have to ring the solicitors where he did work?

 

The other times I have just been told I can't talk to him, mind you thinking about it each time I have rung it's always been a female who's answered??

 

They changed their number too? I think 0333 is a freephone number?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

The solictors where he (Mark) works!

Mortimer Clarke, I presume?

 

This bunch of hoodlums need to be brought to account...

 

Not surprised that they are collecting for Yes Car Credit;

Quite appropriate.

 

Both companies are an utter disgrace.

 

Come On OFT, about time something was done, talk about Misleading, Unfair Buisiness Practices!

 

Rant Over.

 

AC

Link to post
Share on other sites

Id love to hear from someone on here who's actually managed to speak to Mark since the programme was broadcast :)

 

I'm trying, and when I do I'll post the recording so you can Listen!:D

 

God knows what I'll ask him???

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

Ok guys thank for help so far - have read the Go case hopefully I can resolve mine like that one. What do I do now? - I have the credit agreement and it looks like Yes took other halfs old car as a deposit and insisted upon the PPI.

Link to post
Share on other sites

morning

 

post up the agreement minus personel details

leave in the figures

 

google photobucket to do this

 

use the upload link for message boards with out thumbnails option to post

 

just being a yes car agreement

 

its in the bag:D

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...