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    • Hi, I bought a car from Citroen dealer 'Robins and Day' on 21/06/2019, it was C4 grand piccasso 2016 with only 4400 miles on the dashboard. The caar started giving trouble every morning showing "gearbox fault, repair needed'. Its only started happening in the morning when weather satrted getting cloder. When I switch on the engine in the morning it is fine but as soon as I start reversing the car  then gearrrbox gets stuck on reverse gear which locks everything, unable to switch on or push the car back to a parking position to keep the road clear. Last thuursday morrning gearbox got stuck while reversing infront of a school, it was verry stressful be causing one mile of traffic.   Got the car recovered by RAC and taken to the dealer, diagonosis was booked for Friday the 18th october 7:30 am but they were not giving me any update until today afternoon that actuator may be broken. They now want to get authorisation from the extended warranty department of their headoffice, said once parts is ordered it will take upto 3 to 4 days.   I am a cab driver and I have already lost 7 days and I assume they are going to take another 5 days, in total around 2 weeks. They are taking too long because I have compait to ther headoffifor ruude and unproffessional service.   Can I claim my loss of earnings against this dealer?   Should I start the process to reject the car now as it is still within 6 months from the date of purchase?   I have been to the same dealer twice for other fault like dashboard touch screen getting stuck , also front and rear window heater geting activated even if I  dont touch the buttons. 2nd issues was car was making noise, they told me it was a bracket broken at the front pannel of the car due to someone hit the car ( it was someone hit the car in the parking lot, and brrren the front ffog light's trim) which they charge 200 ponds for replaciing the bracket, but problems still there.   I will appreciate foryour kind advice. Thanks in advance.      
    • Go on holiday with it Dump the iva (it should be ended by now anyway max duration is 5yrs!!)   Whos it with?? Sounds like youve been had blind!!   Get a list of the debts up Send everyone a CCA request!   Bet 90% you dont even owe
    • Yes no problem remember to do a witness statement for your partner or anyone else that was there if you intend to rely on their evidence or wish them to be able to speak at a hearing  will be posted within the hour cheers
    • Hi DX100uk   Thanks for your message and also that you remembered my issues   I am still in iva but not paid them for 3 months.   After my redundancy in Mar I had to pay them 18.5k and thought I was close to ffs but they advised that due to redundancy payment treated as windfall (lol) they were changing the due amount from 81% to 100%   I did find another job after 6 weeks but am on probation for 6 months but its not going well as I am stressed from iva and new job.   The doctor has signed me off for 2 weeks with anxiety & referred me to a councillor, also written a letter for me to fwd to iva asking they allow me to settle early.   So far my original debts were 74k but proven debt was 61.5k    With my payments to date (including redundancy) I have paid in 54k and my girlfriends family are so worried about me they are offering 11k as gift for ffs   Payplan were going to terminate my iva and said it could well result in bankruptcy ( I have a flat with a mortgage) but equity of about 80k which I am worried they will go after   I spoke to pp today telling them how stressful this all was and it may well be that I don't pass my probation ( I am 59 btw so was lucky to find a job so quickly) Sorry to burden you with all this but I always respect your advice and knowledge, and PP have worried me by going for the 100% and bankruptcy warning   Thanks in advance 
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barrowby

Barrowby -v- EGG

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I have had the odd call from dlc and they did not withhold their number and also left messages, so it may not be them calling.

 

Not heard of them knocking any doors either.

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Barrowby,

They are not allowed to make home visits without your permission although they do. I have information sheet on how to deal with door stop collectors which details your rights and how to get rid of them. Let me know if you need it.

 

Regards DLC, here is the letter I sent them subsequent to which they passed the account back to EGG.

It may not be right for you so edit to suit....

 

Dear Sir,

Thank you for your letter dated.......

I must inform you that this account with EGG is in dispute and has not been resolved satisfactorily. I will therefore not communicate with you further on this matter and suggest you pass the account back to EGG for their urgent attention. You should be aware that this account is not permitted to be passed to a third party whilst in dispute and if I receive any further communications from you or anyone else I will report them to the relevant persons. Furthermore as you well know you are not permitted to make home visits in any event without my express permission which I absolutely refuse.

MAKE A NOTE ON YOUR FILES OF THIS:

Should you contact me further I will simply ignore your letters I have never had an account with you or signed a contract and your attempts to scare monger me with home visits will prove futile. I will however report you to the relevant authorities if you continue to harass me in any way shape or form.

Please pass the account back to EGG who I am willing to communicate with.

 

Yours faithfully,

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Thanks Dotty & Exasperated....

 

I have sent a letter to dlc asking them to refer to Egg re my account in dispute letter and also stating that door knockers are not welcome. I have also copied this into Egg.

 

Also sent a SAR to Egg so see what that turns up.

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Barrowby, keep a camera near your door. if you get a collector calling take his picture and a shot of his licence plate number. tell him to leave your property immediately.


Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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MAKE A NOTE ON YOUR FILES OF THIS:

Should you contact me further I will simply ignore your letters I have never had an account with you or signed a contract and your attempts to scare monger me with home visits will prove futile. I will however report you to the relevant authorities if you continue to harass me in any way shape or form.

Please pass the account back to EGG who I am willing to communicate with.

 

Yours faithfully,

 

I'm a little unsure about one thing which perhaps you can clarify. I was under the impression that if the dispute started AFTER a DCA was involved then they are not under an obligation to send the account back to the OC? Am I wrong?


Mozzone

_______________

Taking on the bloodsuckers

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Mozz,

Did you recieve a notice of assignment if not then it reverts back to the OC. If you have then as I said you would edit suit and direct the letter to them

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Barrowby, keep a camera near your door. if you get a collector calling take his picture and a shot of his licence plate number. tell him to leave your property immediately.

 

Further to debt stars adice here is a guide on dealing with door step collectors(in case)...............

If you receive a visit from a debt collector, remain polite. You will make far more of an impact if you remain calm and speak slowly and carefully during the visit. If you lose your temper, you will lose control of the situation. The debt collector has far more experience than you and is very used to being dealt with aggressively. Remember that the debt collector is on your premises and if he does not have a court order, then you are the person with the authority and it is you who are entitled to control events. If you are receiving a visit from a debt collector despite already having written to make it clear that you did not want any visits, you should terminate the visit immediately and make complaints to the OFT, Trading standards under CPUT. If you allow the visit to continue in these circumstances, you will have given in to the debt collector and he will start to dominate you in the meeting.

When receiving a visit from a debt collector, you should attempt to have another adult next to you who can witness everything which goes on. It should be agreed beforehand that the witness is not to say anything at all and is there merely as a witness. If a witness starts to get involved in the conversation in any way, it is likely that the exchange will deteriorate and that you will lose control.

Do not invite the debt collector into your home. Do not even invite him into a porch. The best approach is to ask the debt collector to stand on the pavement side of your front gate if you have one while you stand within the boundary of your front garden. The debt collector will prefer to be on your premises. This puts more pressure on you. By getting access to your home - even to your front garden, the debt collector has started the process of getting access to you. Before you discuss anything with the debt collector, ask to see his identification. Take your time and read it carefully. Make notes of all the details the identity document contains. You should make sure that you make a note of the debt collector's name and the name of the organisation he is working for. If there are any additional identity numbers then you should take a note of these as well.

Make sure that any identity document is in date and make a note of that date. Once you have obtained the basic details, you can then decide whether or not to continue the visit. If an official form of identity is not provided to you by the debt collector then you should terminate the visit immediately. If the debt collector will not permit you to make notes from his identification document then terminate the visit immediately. If you decide not to continue the visit then inform the debt collector that you have nothing to discuss and that you require him to leave. Do not get drawn into any other conversation. A debt collector will try to start getting you to respond to his questions. You should simply respond "I do not want you to be here. Please leave." You should repeat this in response to any statement or question put to you by the debt collector. If you decide to allow the visit then remember the following points:- The debt collector is there by your permission. He has no court order. You are entitled to terminate the visit at any time. You are entitled to dictate the terms of the visit. You should make it clear at all times that it is you who are in charge of the visit. If you wish to terminate the visit, you can do so simply by telling the debt collector that the visit is over. You should then walk away or go into your home and close the door. You are not obliged to give reasons or to say anything other than that the visit is ended and that you want the debt collector to leave - "Please leave now" If the debt collector does not leave then inform him that you will call the police. (If you do not believe that you will call the police then do not make this threat. You will lose all of your authority and the debt collector will dominate the meeting from that point onwards.) If you do call the police, then do not be frightened to call 999. Explain to the police that you are being harassed by a man who has visited you and who refuses to leave your property. Once again, keep calm but if you are frightened, then tell the police that you are frightened and that you believe that you need help.

Be aware that debt collectors are faced with hundreds of threats to call the police every week. Almost every one of these threats is a bluff. It is likely that debt collector will stand his ground until he realises that the police really have been called. If the debt collector leaves before the arrival of the police, Then call 999 and cancel the call-out.

Once the visit is ended and you are back inside, you should immediately make a detailed note of everything that has happened and of everything which was said. Your witness should do exactly the same thing.

Do this quickly while everything is fresh in your mind.

Even if you did not proceed with the meeting and the debt collector left immediately and without incident, make a close record of everything which occurred.

If you you felt threatened by the visit and you want to complain then you should do so immediately by writing to the DCA and also complaining to the OFT and local Trading Standards under CPUT

If you want to make sure that you receive no more debt collection visits then you should write to the DCA immediately.

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I could probably re-paper my lounge with the amount of doorstep threats I've had from DLC and all of their "sister" companies...the latest being Clarity.

 

For peace of mind, I tend to send them the "don't darken my doorstep" letter although have even become fed up of doing this as I've had about 3 different companies (all Hillesden/DLC) and really can't be bothered any more!

 

This has been going on for over a year now I believe.

 

Exasperated's advice above is the way to deal with them in the unlikely event that they do show up...


If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

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I have a ccj from Egg through dlc. This was before I found this forum.

My agreement is from 2000 and is the "We will tell you from time to time...." variety. They have recently threatened me with bailiff action through the court which I have stalled with a payment and an N245 to vary the payments.

Is it too late to get the account put into dispute pending the outcome of the court case?

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I have a ccj from Egg through dlc. This was before I found this forum.

My agreement is from 2000 and is the "We will tell you from time to time...." variety. They have recently threatened me with bailiff action through the court which I have stalled with a payment and an N245 to vary the payments.

Is it too late to get the account put into dispute pending the outcome of the court case?

 

If you already have a CCJ then yes, it's too late to put the account into dispute.

 

I'm guessing that the court case you're referring to is in respect of the N245 to vary the payments?

 

There is always the option to get the CCJ set aside, if you didn't defend it, but you would need a very good reason for doing this, such as papers sent to wrong address, and the timescale between judgement and set aside application can also be crucial.

 

If you need anymore advice Eagleforms then it's best to start your own thread in the legal forum.

 

Best of luck with this!


If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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agree with that but would add that as part of any f&f agreement you stipulate the coindition that your credit file be marked as "settled" and not as "partially settled" coz that is what they are most likely to do.


Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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Hi,

 

Without sounding too thick!!....how does this change the position re Prescribed Terms on
Egg
link3.gif
agreements?

 

I was waiting for a reply to my Account In Dispute letter which i sent to Egg 6 weeks ago. Received a reply yesterday with ref to Slater v Egg and also Waksman.

 

Can post the letter is it is of interest
link3.gif
.

 

Thanks

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hi barrowby,

 

me and OH have recently received cca's from egg and are going through these to check for flaws, missing info, etc.

 

would be useful to see what sort of response you got from them.

 

cheers,

 

SH

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Well....after a period of calm....I have had a flurry of activity over the past month from ARC Europe Ltd and Tremor Munn Solicitors.

 

Usual threats etc....but recent letter from ARC is offering a 40% discount for a partial settlement on my Credit File! Totally umprompted by me....end of the letter states that if I don't have the money then I had to ignore........if only I had the funds!!!!

 

Have anyone else had the same sort of offer?......or any suggestions

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That's interesting Barrowby!

 

I have recently offered just under 40% of the balance (as it was before asking for help), dlc came back offering settlement at the amount of the balance when I asked for help, I then asked who I was corresponding with as I was not sure whether it was Egg or dlc, re-iterated my offer but dlc have stated that they will not pass the offer on to Egg without me completing their I & E form!

 

Hope they're not holding their breath!

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Hi Dotty!

 

I wish mine was 40% of the balance but alas it is a discount of 40%!!!!

 

I am not sure if I should write back or send them a CCA request?

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Sorry, I read too quickly!

 

Yes I would send a request for the CCA and see what, if anything they produce.

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Can I just add my experience of dealing with Egg. I received a F&F from CapQuest offering a settlement at 70% of the balance. I wrote them ofefring 50%. They rejected it. I then write to Egg direct with a 50% F&F and they ignored it. Seems they like to play tough or don't accept less than 70%??


Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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