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    • But they still can send a claim form to your old Address. You won’t even know about it either, therefore won’t be able to defend The next thing you know is when you are turned down for credit and find a fresh, shiny CCJ on your file.   The answer is to let them know your current address via post. That way , if they are stupid enough to try any action, they won’t have a snowballs chance in hell of winning. You have the ultimate defence! It’s statute barred.
    • Also, I should point out that you will win anyway – but you are making it much more complicated than it needs to be. If you simply raise the question of your statutory rights and his breach of obligation then the judge will give you a judgement in your favour within five minutes. Because you have raised pretty well every other issue bar that, the judge will have to consider the entire aspect of the defects and whether they do amount to a substantial breach of contract and whether they could have been repairable et cetera et cetera et cetera. Although you will eventually win, it means that the judge may have a complicated issue to decide and of course it will simply prolong the agony. Simply raising the fact that the dealer refused to comply with your assertion of your right to reject will bring the entire case shuddering to a halt in your favour and the judge doesn't need to listen to any other arguments. He simply needs to see your letter of rejection.
    • capquest cant send a CCJ anywhere...    
    • Jet2 need to give you the hotel you are being rebooked to. A change from "your previous hotel" to "no hotel" (as things currently stand)  is significant enough imho to ask for a full refund.   @monyl I think the problem is different here, since the holiday wasn't cancelled due to lockdown. On the opposite Jet2 are trying to do their utmost to not cancel the holiday, and find an alternative accommodation for the OP so they can get away with not having to provide a refund. To devil's advocate for a minute, I don't want to defend their business practice but I must say I understand that they're trying their utmost to avoid losing even more cash than they already have. They'll have to provide something that's "significantly" similar to what the OP requested though, to stand a chance to legally do so.    
    • What stage is your claim at now ?  You submitted it in Oct 19 ...has it been allocated yet ? Andy
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    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 7 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
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I had a debt to Abbey National when I closed my account with them. About 60% of it was due to unfair bank charges. I disputed these charges and said that I was willing to pay what I owed, but I would not pay the charges. They threatened to take me to court, and I told them to go ahead, but instead they passed the debt to a collection agency who then wrote to me. When I explained to the debt agency what had happened, they passed the debt back to Abbey saying that they did not want anything to do with it. After a considerable period of time, I was contacted by Link Financial saying that they had bought the debt. Is there anything I can do to get them off my back?

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I had a debt to Abbey National when I closed my account with them. About 60% of it was due to unfair bank charges. I disputed these charges and said that I was willing to pay what I owed, but I would not pay the charges. They threatened to take me to court, and I told them to go ahead, but instead they passed the debt to a collection agency who then wrote to me. When I explained to the debt agency what had happened, they passed the debt back to Abbey saying that they did not want anything to do with it. After a considerable period of time, I was contacted by Link Financial saying that they had bought the debt. Is there anything I can do to get them off my back?

 

Read as much as you can in the relevant threads, and open up your own post, you will get all the assistance possible!:)

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Anthrax alert at debt collectors caused by box of doughnuts

 

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Well from what you have stated obviously the DCA has passed the account back to the OC for a valid reason i.e they can't possibly collect, although the buyers of the debt may think otherwise, stand your ground.

 

Regards

 

PB68.

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A lot of OC's have been buying back or 'chasing' their own debts.

As it is no longer economically viable for them to sell them on, although they are still paid out via there insurance for the amount in question:eek:

 

However, at the very least, if peter(bank) has lent you money and you can't pay him back, he then sells it to tom, (at a loss-6p in the £ ) tom asks you to pay him the "full" amount outstanding (he makes his profit)

Then (peter) buys the debt back, and asks you to pay the "full" amount, your position is strengthened by asking him if he will accept a full and final settlement offer to settle the debt;)

 

So if it does end up back with the OC, then you have a very good chance of paying them a reduced offer to to clear the debt!


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!

 

 

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