Jump to content
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


  • Tweets

  • Posts

    • Namz
      Big motoring world/motonovo HP - faulty vehicle purchase on 31/5/24

      By Namz · Posted

      Thank you for taking your time and helping me on this. Would you recommend I also send a letter tomorrow to both BMW and Motonovo?
    • tobyjugg2
      Should we trust Sunak or the next PM to fix the Country's problems? (title revised 24/10/22)

      By tobyjugg2 · Posted

      she and  johnson need to be kicked off the taxpayers credit card - for starters I'm certain there is cause - taking up 'jobs' when they shouldn't, bringing the nation into disrepute with their antics .. I'm sure it would be a very popular act from a new labour guv
    • BankFodder
      Big motoring world/motonovo HP - faulty vehicle purchase on 31/5/24

      By BankFodder · Posted

      Please have a look at this draft letter. It is modelled on yours but I have cut out a load of the unnecessary information. Also, the responsibility lies with the finance company because the vehicle was brought on hire purchase. You send it to them and a copy to big motoring world.   Let us know if there's anything that you disagree with, which is wrong, which you think should be added
    • honeybee13
      Should we trust Sunak or the next PM to fix the Country's problems? (title revised 24/10/22)

      By honeybee13 · Posted

      According to Alastair Campbell on Twitter, anti-Le Pen parties are pointing to RN's fiscal policies and saying they'll cause a 'Truss-style market meltdown'. Liz Truss charged taxpayers for Amazon Prime subscription - Mirror Online WWW.MIRROR.CO.UK The subscription costing £95 gives the ex-PM free shipping from the retail giant, as well as the ability to stream films and TV shows such as My Fault...  
    • steam_hammer
      Another P2G / EVRi Lost Parcel Claim

      By steam_hammer · Posted

      Thank-you @BankFodder, your statement is a correct understanding of my position and I agree, it is actually really what I was looking for in starting this thread, as I too believed that the maximum I could claim for is that which I sold it for, even though this was substantially below market value at the time. And so, this sold value is what I shall be claiming for + the other expenses. @dx100uk I get your point, but this is just not what I want to expose myself to. Unfortunately I was one of the unlucky ones to have my details stolen in the Peoples Energy hack, and in 2020 I discovered that those details had been used to take out car insurance, and that the insured was then involved in a collision and my details were dragged through the mud. Despite Aviva cancelling the claim and treating as though it never were, even though I have the letters from them to say that they have removed this claim from the insurance database, I still get refused insurance and credit products to this day until I send across the letter from Aviva which explains that I was a victim of fraud. So you'll forgive me for not jumping up and uploading my data to a server utility for which I have no control over its retention policy, or where the server is located globally, its legal jurisdiction, or its security protocols.

  • Our picks

    • If you are buying a used car – you need to read this survival guide.

      BankFodder posted a topic in Vehicle retailers and manufacturers,

      If you are buying a used car – you need to read this survival guide.
      • 1 reply
      BankFodder

      Picked By

      BankFodder,

    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      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
      BankFodder

      Picked By

      BankFodder,

    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
      WanTToMoveOn

      Picked By

      WanTToMoveOn,

    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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
      BankFodder

      Picked By

      BankFodder,
    View All
Twitter X - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.
Latest activity

Iqor/GPB chasing old OD debt

aquila

By aquila
in Debt Collection Agencies

 Share
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4952 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

aquila

aquila

Posted
Posted

Hi all CAGers,

 

I have just received the first solicitor letter from 'them', for a sum of money I owe which is around £700.

 

I live in England and the debt is from a bank account overdraft I didn't pay, and was defaulted on about a year ago.

 

Now the DCA has got in touch with some solicitors, and these solicitors just sent me a letter which I have 7 more days to respond to with full or part payment to the DCA, or else they say, they will be instructed to commence legal proceedings.

 

They also say that any legal action they take will attract interest and additional legal costs, which I am obliged to pay.

 

My question is

- is this just a scare tactic, should I ignore it?

And how much additional 'fees' would I have to pay, on top of the £700, if they do commence legal proceedings?

 

Thanks all,

 

Aquila

Link to post
Share on other sites
dx100uk

dx100uk

Posted
Posted

yep ignore

just their sham solicitor

or more correctly the dca secretary just put a diff letterhead in the printer.

 

name and shame the fleecers please.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites
postggj

postggj

Posted
Posted

Realy Debt4get

 

Its A Criminal Offence For Them To Use The Word Solicitor When They Have None

 

Just Protituting The Name

 

I Bet It Says At The Bottom Of The Sols Letter

 

traniee Solicitor Or Litigation Assistant

Link to post
Share on other sites
aquila

aquila

Posted
  • Author
Posted

iQor are the DCA, and the solicitor is geoffrey parker bourne solicitors. Actually I think the solicitors are genuine since I just googled them. Anyway, I will ignore the letter from the solicitor.

 

Aquila

Link to post
Share on other sites
ODC

ODC

Posted
Posted

GPB is a solicitor for rent. One of the ones who allow the DCAs to send out threats using their notepaper. The supposed letter from GPB will have emenated from IQORS threatomatic printing press.

Link to post
Share on other sites
dx100uk

dx100uk

Posted
Posted

hehe

 

GPB....biggest imitation solicitors there is !!

 

ignore the lot of 'em

 

DON'T do anything.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites
aquila

aquila

Posted
  • Author
Posted

Thank you all for the responses, I feel a little better now, and will ignore them. I will keep posting here any further action that they take, just so I know I am doing the right thing.

 

One final note, how much are 'court fees', if they were to launch court action for the £700 i owe, and if I lost, I would have to pay the debt + their court fees.

 

I would just like to get an idea of how much these court fees would be on top of the £700 if anybody knows.

 

Thank you for your responses and help,

 

Aquila

Link to post
Share on other sites
dx100uk

dx100uk

Posted
Posted

£75 i think

but i'll never get that far!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites
  • 2 weeks later...
aquila

aquila

Posted
  • Author
Posted

Hi fellow CAGers,

 

I have an unpaid, defaulted bank account overdraft of around £700 with bank x. It was sold to iQor, and they have supposedly been in touch with Geoffrey Parker Bourne solicitors.

 

So I ignored the first letter from GPB, and now they have sent me a second one, saying that I have 7 more days from the date of the letter (the time is up in 2 days), or they will commence a county court claim.

 

They have also given me some totals of the extra costs that I will incur if they start court action, which is £60 court fees and £70 for their solicitors costs, that's an extra £130 on top of the original £700 that I owe. They also say that further costs may be added on top of that is Judgement is awarded.

 

Should I ignore this second letter, or shall I call them, I really don't know. The 7 days that I was given in this second letter will expire in 2 days, I am not sure what I should do?

 

Thanks for your help,

 

Aquila

Link to post
Share on other sites
aquila

aquila

Posted
  • Author
Posted

Hi fellow CAGers,

 

I have an unpaid, defaulted bank account overdraft of around £700 with bank x. It was sold to iQor, and they have supposedly been in touch with Geoffrey Parker Bourne solicitors.

 

So I ignored the first letter from GPB, and now they have sent me a second one, saying that I have 7 more days from the date of the letter (the time is up in 2 days), or they will commence a county court claim.

 

They have also given me some totals of the extra costs that I will incur if they start court action, which is £60 court fees and £70 for their solicitors costs, that's an extra £130 on top of the original £700 that I owe. They also say that further costs may be added on top of that is Judgement is awarded.

 

Should I ignore this second letter, or shall I call them, I really don't know. The 7 days that I was given in this second letter will expire in 2 days, I am not sure what I should do?

 

Thanks for your help,

 

Aquila

Link to post
Share on other sites
NailPost

NailPost

Posted
Posted

Do NOT call them.Never, ever speak to a debt collector of any kind on the phone. they will say anything to get you to pay them, even if you acnnot afford to do so.

 

An overdraft is not covered by a CCA request to these leeches to make them prove they have the right to collect this debt. But I'm sure you must have received some correspondence from your bank informing you they were getting a bit fedup waiting for you to pay and you should have received a default letter. If these are not in order you may be able to force GPB, who is quite well known on these forums, to crawl back under his stone.

Link to post
Share on other sites
unclebulgaria67

unclebulgaria67

Posted
Posted

More information needed. What did you receive from the bank that held the overdraft? Did they issue a termination notice and advise you they were selling the debt on ? When did you stop making payments to the account?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites
miss muppet

miss muppet

Posted
Posted

There does seem to be some confusion over whether overdrafts are covered by CCA so here's a link which may be helpful. Also you could Subject Access Request the original creditor, this letter can be found in the debt collectors library and you should enclose £10 postal order and don't sign, print your name. Send by recorded delivery. This should produce more detailed information on your account:-

Link to post
Share on other sites
dx100uk

dx100uk

Posted
Posted

please do some reading

 

what you are getting are std threat-o-grams

 

how much of this od is unlawful charges?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites
MONX

MONX

Posted
Posted

Dont panic!

 

They sit at their desks making up these sums of money in order to panic you into contacting them. They put things like court costs on top of the alleged debt as a scare tactic but until you go to court and lose (no where near that at the moment) those costs are not payable.

 

Did you ever receive something from the bank saying that they were assigning the debt to the DCA?

Advice given is my opinion only, I am not a legal or financial expert (far from it).

Link to post
Share on other sites
  • 5 months later...
aquila

aquila

Posted
  • Author
Posted

Hi all CAGers,

 

I have two questions. I have a couple of current account overdraft debts amounting to around £3,500 (£650 with one, the rest with the other), and I read somewhere else that there was this person who had about £6,000 of initial debt with a DCA, and he ignored them, and after a few years it had supposedly jumped up to £30,000!

 

Can this happen? I am currently just ignoring all post and phonecalls they are making to me, not replying at all. Will they come back to me in a year or two's time and say I owe them like 20k???

 

Second question, if they proceed with filing for a CCJ, if I pay this full amount immediately within one month, does the CCJ get cleared from my credit file like there was no trace of it, or will there be some indication that a CCJ was recorded against me but I paid it within one month?

 

Thanks all!

Link to post
Share on other sites
Tingy

Tingy

Posted
Posted

They can legitimately add costs and interest to debts. You need to stop burying your head in the sand and face up to the situation. Which bank are we talking about? How old is this debt? Have you had any contact or made any payments at all?

 

If you face up to it now, your second question should be irrelevant as it shouldn't come to that. If it did go to court and you got a CCJ, where would the money come from to pay it (+ court costs etc...)? If you have that money, why are you not paying it off the existing debt?

Link to post
Share on other sites
 Share
Go to topic listing

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...