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    • Hi all, hope you can help. I've received a £4k repair estimate from the main dealer after my 2016 F30 330e developed the dreaded drivetrain error. The qoute is for a replacement cell module and associated labour and various bits and bobs to get it done. I initially had them investigate the issue when it first popped up a year ago. They replaced the auxillary battery which 'fixed' the issue for a few months before returning. Last Novemner the issue escalated to 'Battery not charging' which would clear after powering off the car , and disappear. Took it into the dealer and they diagnoised a faulty high voltage battery under the boot but could not do any work as they needed to schedule more cars for this 'specialist high voltage work'. So they said I could continue to drive the car until they got in touch when the car could be booked in for repairs. Roll on to April, the issue became severe (battery not charging error not going away, car in limp mode one morning) and car completly died at a traffic light same day (dashboard flashing all over the place), couldnt engage in 'Drive' and had to be recovered by AA to the dealer. Turns out car was now only running on the 12v battery in the boot and that had run flat as the hybrid function had stopped working altogether. My question is whether this is a reasonable estimate. Could this be done cheaper elsewhere? The dealer has servived this car from new hence took it them in the hope they'd not point fingers at any other party. Should I be paying for this at all since I raised the issue with them before it escalted and resulted in a now expensive fault? I also suspect the KLE may have gone too based on other posts, but the dealer hasnt qouted for that yet. I worry they'll' 'discover' that after I've already shelled out for a new cell module and end up lumbered with another bill to replace the KLE. Feels like I know about what they need to do than they do. The Service Advisor has been completely useless. Any advice would be greatly appreciated.
    • The Petrol Station is Shell Garage Wickham (Hampshire ) Another person obviously had the same issue as they had called the garage previously-
    • Thanks Dave, that all sounds clear to me. In terms of avoiding PCNs, I'm not sure if I can. I need to be able to park in that spot, especially as I've got kids to lug forth and back for the school run. Likewise it's not always possible to use the MA's permit system either, as I've not always got them to hand. So, if I'm actively avoiding PCNs, then it could mean I've given in to their idiotic rules. But, I do get what you're saying, as I imagine the risks go up if they claim there are multiple PCNs to be paid at court. Not sure what to do with this one.
    • Is it possible you could qualify for a DRO (Debt Relief Order) and ditch the IVA ? https://debtcamel.co.uk/end-iva-change-to-dro/  
    • My IVA which I began in 2021 has for around a year now been passed to credit expert - I find this company and it's staff obnoxious and insensitive money grabbing monsters.  What is my legal right can I have my IVA moved to another ip what happens if Hanover sell my file?  I am ina real bad situation where my kids are unwell and this crest expert supervisor is saying I should try more than what I agreed despite my situation being very bad and kids unwell.   I feel like they are bullying me and I duh I where to turn.  I keep getting emails saying we at credit expert are in charge of your iva now but still I got messages about my review annual from Hanover which I sent documents and now I got a response from credit expert saying they think I agreed to pay more - how ludicrous is that how can I keep these bullies at bay.   Who can I complain too without messing up my IVA.  I'm going to post below what they sent me please someone help me as they are making me suicidal now. These evil people g coincidently all Indians with weak English which is another issue as communication feels like a battle each time.    Good afternoon,   We hope you are keeping well.   In accordance with the terms of your voluntary arrangement you a required to comply with the following modification:   The debtor must seek to either obtain full time employment or improve self employed income to equivalent thereof as soon as possible and a full review of the debtor’s income and expenditure must be undertaken by the supervisor. The contributions shall increase after taking into account any increased costs in respect of travel and should commence in the month following the review. If any instances of co-habitation with the debtor by any person aged 18 or over occur during the term of this arrangement and where there is reasonable expectation that board and lodging should be paid, the contribution will be added into this arrangement in full. The debtor agrees to provide an income and expenditure review in the month following any loss of child related income. Any surplus identified is to be made available immediately for the benefit of unsecured creditors in the arrangement.    In order to ensure that the terms of the voluntary arrangement are adhered to, I require you to provide evidence that you complies with the above modification along with any supporting evidence.   Alternatively, if you believe you are no longer able to comply with the modification please do inform us.   I eagerly await your response to the points raised within 14 days of the date of this email.   If you have any further queries, please contact Customer Service on ‪0800 0431 431‬ or by email at [email protected].   Thank you for your comprehension.   Plese guys advice me what I can reply as I don't have any more money for these thieves and their annual review is an annual monster nightmare how can I tell them I'm not willing to be bullied and can't paid more    تھا ks   
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Where do i stand with my claim?


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as the loan is still running you can only reclaim on those payments MADE. from the date you made each one.

 

ppi pcm will be 2998.44/180=16.66

 

so principal is 16.66

8% int

compound monthly.

 

do that for each date you paid them.

 

i think that agreement is flawed

 

you need to ping postggj something is not right with it i think but i'm too tired to spot it.

 

dx

dx, are you able to help on my agreement? I didn't hear back from postggj :-(

 

Thanks

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was on yesterday

send a pm

 

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... 

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was on yesterday

send a pm

 

dx

Thanks dx, i have sent a couple of pms with details he asked me for, hopefully he will come back to me at some point.

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  • 3 months later...

did you send the letter as advised in post 48?

 

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... 

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Share on other sites

did you send the letter as advised in post 48?

 

dx

 

Thanks dx for responding, yes i did and after speaking to legal complaint, i finally got my money back. Now Welcome have put me in the hands of debt collectors and was wondering who i should be dealing with. WFS or the debt collectors.

 

Many Thanks

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ok

give us a state of play now.

 

so's you got your money back - how much and what was it and from whom?

 

what is outstanding to WFS and when was your last payment.

 

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... 

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Share on other sites

The money was the £1836 which my solicitor had, i was wrongly advised to stop paying wfs and pay the money but thhe solicitor did not win the case which was on a no win no fee basis. After months of chasing and speaking to legal complaints, i got the money back. I have since written to wfs and said that i cannot afford to pay the £400 a month and willing to pay reduced amounts. They did not respond, however, since then i have received a letter from debt collectors saying i owe £24k and i should respond within 7 days.

wfs have ignored my request to cancel PPI, i now have another solicitor challenging and has sent an SAR request!

 

My last payment to wfs was 2008 Dec of £400, i had been paying between 270 & 400 since July 2006

 

Am really lost on this one, don't know what to do as wfs just ignore my letters.

 

Thanks

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why do you keeo using solicitor to do these things

you can do it yourself!

 

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... 

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Share on other sites

deal on what?

if you are looking to start paying

 

pers i'd wait for postggj to confirm the status on the legalities of the agreement

 

dont worry about it

 

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... 

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Share on other sites

Thanx dx but i did not get any response from postggj, i have sent my agreement and sent him PMs and emails to his personal email but never got a response. I have 7 days from Friday 12th to respond to debt collection company. That's why am worried.

 

Thanks

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a dca has no legal powers to demand you do anything

 

so put that out of your head now.

 

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... 

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Share on other sites

it certainly does for now.

 

postggj is very busy with various things, but if he's spotted what the other sol did, them odds on its un-en for whatever reason.

 

you need to get outta the clutches of these solicitors too

 

cancel the contract

 

tell them nothing.

 

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... 

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Share on other sites

Cheers dx, it's now over 4 months since i first contacted postggj and sent all my agreements (wfs & sol) but i never heard anything back. Am just not sure whether i'll ever hear anything back. Can i cancel the contract with sol if i have already signed CFA?

 

Thanks

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Cheers dx, it's now just over 4 months since i sent my wfs agreement to postggj and i've not heard anything back, am just not sure i ever will. I do appreciate that he's busy and don't want to keep sending emails.

 

Can i still cancel contract with sol if i have alrady signed CFA?

 

Thanks

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