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    • so the debt is statute barred then more than 6yrs since your last payment?  
    • what is an OCA letter? you follow post 2 as stated. dx    
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .. get a CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
    • Which Court have you received the claim from ? Civil National Business Centre, Northampton Name of the Claimant ? CA Auto Finance UK Limited How many defendant's  joint or self ? One (self) Date of issue –  02 May 2024 Particulars of Claim What is the claim for – Unpaid car loan 1. By an agreement in writing dated 26 November 2015 and made between the Claimant and the Defendant, the Claimant loaned the Defendant a sum of money. The agreement was Regulated. 2. The Defendant failed to make payment of the sums due and the Agreement was terminated by the Claimant. 3. On the 7 February 2019 the balance due from the Defendant was £8,196,38. The Defendant has paid £0.00.       THE CLAIMANT THEREFORE CLAIMS  1. £8,196,38 2. Contractual interest to the date hereof £0.00 3. Further interest at 10.70 per annum (£0.00) per day until judgement or sooner payment. 4. Costs to be assessed. CLAIMANTS CLAIM £8,196.38                                         What is the total value of the claim? £8751.38 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Car Loan When did you enter into the original agreement before or after April 2007 ? After Do you recall how you entered into the agreement...On line /In branch/By post ? In Branch Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Original Creditor was FCA Automotive Services UK Limited Were you aware the account had been assigned – did you receive a Notice of Assignment? No and No Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No Why did you cease payments? Unaffordable What was the date of your last payment? Feb 28 2018 Was there a dispute with the original creditor that remains unresolved? Yes (irresponsible lending and they did not supply all documents when CCA sent. The Terms and Conditions they sent as part of the request were different to the original Ts and Cs. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No
    • Thank you. You contacted directly with the parcel broker so your best option is to proceed directly against them for breach of contract. I hope you have read enough to understand that you will not be able to rely on the Consumer Rights Act 2015. Do you understand why? Have Parcel to Go giving you a reason for declining reimbursement? Do you have anything in writing from your customer which shows that they did not refuse delivery and which identifies the actual circumstances of the situation?
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    • 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 
      • 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
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For all Who Work With Rude Customers


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For all Who Work With Rude Customers, shame WE can't actually do this !

An award should go to the Virgin Airlines desk attendant in Sydney some months ago for being smart and funny, while making her point, when confronted with a passenger who probably deserved to fly as cargo.

A crowded Virgin flight was cancelled after Virgin's 767s had been withdrawn from service. A single attendant was re-booking a long line of inconvenienced travellers. Suddenly an angry passenger pushed his way to the desk.

He slapped his ticket down on the counter and said, 'I HAVE to be on this flight and it HAS to be FIRST CLASS'..

The attendant replied, 'I'm sorry, sir. I'll be happy to try to help you, but I've got to help these people first,

and I'm sure we'll be able to work something out.' The passenger was unimpressed. He asked loudly, so that the

passengers behind him could hear, 'DO YOU HAVE ANY IDEA WHO I AM?'

Without hesitating, the attendant smiled and grabbed her public address microphone:

'May I have your attention please, may I have your attention please,' she began - her voice heard clearly throughout the terminal - 'we have a passenger here at Desk 14 WHO DOES NOT KNOW WHO HE IS. If anyone can help him find his identity, please come to Desk 14.' With the folks behind him in line laughing hysterically,

the man glared at the Virgin attendant, gritted his teeth and said, 'F... You!'

Without flinching, she smiled and said, (I love this bit) 'I'm sorry, sir, but you'll have to get in line for that

too.'

..

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:lol:

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Very good!!

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

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Some years ago there was a story about Muhammed Ali on a plane. Just before it was about to take off, the passengers were requested to put their seat belts on and Ali refused to do so.

 

He was approached by a Stewardess who asked him to buckle up. Apparently, Ali said "Superman don't need no seat belt", to which the Stewardess replied "No and Superman don't need no bloody plane either".

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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A repeat, but on a similar theme....

 

A plane's cabin was being served by an obviously gay flight attendant who was just as obviously enjoying himself. He came swishing down the aisle and announced to the passengers, "Captain Marvey has asked me to announce that he'll be landing the big scary plane shortly, lovely people, so if you could just put up your trays, that would be fab."

 

On his trip back up the aisle, he noticed that a woman hadn't moved a muscle.

"Perhaps you didn't hear me over those big, noisey brute engines. I asked you to raise your tray-z-poo so that El Capitan can put us on the ground."

She calmly turned her head and said, "In my country, I am called a Princess. I take orders from no one." To which the flight attendant replied, without missing a beat, "Well, sweet-cheeks, in my country, I'm called a Queen, so I outrank you. Put the tray up, b*tch!"

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:D Brilliant!

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:D:d:d

 

Er, Smiley's not working for some reason! Above is supposed to be 3 big grins.

Mungy Pup

 

I want to live in a world where chickens are free to cross the road without their intentions being questioned. :razz:

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It can sometimes do that, refresh the page and trying again before posting can sometimes help. :)

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

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Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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they are both brill.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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I thought u would love it bo.

 

Have also shown OH and he likes it to.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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heres some ones u might like also lol

 

Funny Airline Cabin Crew Announcementsairplane_bon_voyage_stamp_md_clr.gif

 

All too rarely, airline attendants make an effort to make the in flight 'safety lecture' a bit more entertaining. Here are some real examples of funny airline cabin crew announcements:

1. On a Southwest flight 245 (SW has no assigned seating, you just sit where you want) passengers were apparently having a hard time choosing, when a flight attendant announced, 'People, people we're not picking out furniture here, find a seat and get in it!'

2. On a Continental Flight with a very 'senior' flight attendant crew, the pilot said, 'Ladies and gentlemen, we've reached cruising altitude and will be turning down the cabin lights. This is for your comfort and to enhance the appearance of your flight attendants.'

3. On landing, the stewardess said, 'Please be sure to take all of your belongings. If you're going to leave anything, please make sure it's something we'd like to have.

4. 'There may be 50 ways to leave your lover, but there are only 4 ways out of this airplane'airline_turbulent.gif

5. 'Thank you for flying Delta Business Express. We hope you enjoyed giving us the business as much as we enjoyed taking you for a ride.'

6. As the plane landed and was coming to a stop at Ronald Reagan, a lone voice came over the loudspeaker: 'Whoa, big fella. WHOA!'

7. After a particularly rough landing during thunderstorms in Memphis, a flight attendant on a Northwest flight a announced, 'Please take care when opening the overhead compartments because, after a landing like that, sure as hell everything has shifted.'

8. From a Southwest Airlines employee: 'Welcome aboard Southwest Flight 245 to Tampa. To operate your seat belt, insert the metal tab into the buckle, and pull tight. It works just like every other seat belt; and, if you don't know how to operate one, you probably shouldn't be out in public unsupervised.'

9. 'In the event of a sudden loss of cabin pressure, masks will descend from the ceiling. Stop screaming, grab the mask, and pull it over your face. If you have a small child travelling with you, secure your mask before assisting with theirs. If you are travelling with more than one small child, pick your favourite.'

10. 'Weather at our destination is 50 degrees with some broken clouds, but we'll try to have them fixed before we arrive. Thank you, and remember, nobody loves you, or your money, more than Southwest Airlines.'

11. 'Your seat cushions can be used for flotation; and, in the event of an emergency water landing, please paddle to shore and take them with our compliments.'

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heres little joke for ya to :)

 

A stranger was seated next to a little girl on the airplane when the stranger turned to her and said, "Let's talk. I've heard that Flights go quicker if you strike up a conversation with your fellow passenger."

 

The little girl, who had just opened her book, closed it slowly and

said to the stranger, "What would you like to talk about?"

 

Oh, I don't know", said the stranger. "How about nuclear power?"

 

"OK," she said. "That could be an interesting topic. But let me ask you a question first -

 

A horse, a cow, and a deer all eat grass, the same stuff.

 

Yet a deer excretes little pellets, while a cow turns out a flat patty, and a horse produces clumps of dried grass.

 

Why do you suppose that is?"

 

The stranger thinks about it and says, "Hmmm, I have no idea,"

 

To which the little girl replies,

 

"Do you really feel qualified to discuss nuclear power when you don't know sh*t?"

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heres little joke for ya to :)

 

A stranger was seated next to a little girl on the airplane when the stranger turned to her and said, "Let's talk. I've heard that Flights go quicker if you strike up a conversation with your fellow passenger."

 

The little girl, who had just opened her book, closed it slowly and

said to the stranger, "What would you like to talk about?"

 

Oh, I don't know", said the stranger. "How about nuclear power?"

 

"OK," she said. "That could be an interesting topic. But let me ask you a question first -

 

A horse, a cow, and a deer all eat grass, the same stuff.

 

Yet a deer excretes little pellets, while a cow turns out a flat patty, and a horse produces clumps of dried grass.

 

Why do you suppose that is?"

 

The stranger thinks about it and says, "Hmmm, I have no idea,"

 

To which the little girl replies,

 

"Do you really feel qualified to discuss nuclear power when you don't know sh*t?"

 

 

LOL now let me think where l could use that. Oh yes on the goverment.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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