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    • Debt charities have urged the Insolvency Service to develop stronger rules to protect customers from bad practice among IVA lead generators View the full article
    • Hi,     I'm in the process of voluntary termination of my moneybarn agreement, in accordance with secion 99(1) of the Consumer Credit Act 1974. I have returned the vehicle, it was collected by a 3rd party on behalf of MB, in driveable condition with fear wear and tear condition.  Their report states that the condition was "Average" (The options were Good, Average and Poor). I have paid more than 50% and recently, before starting the VT process spent £700 to make sure car is roadworthy (gearbox repairs). I am £880 over the 50% mark. Today I've received final billing letter estimating body repairs at over £1,300 (the bodywork is fine - peeling lacquer and alloy wheels would need refurb though). I've purchased the car at 7 years old with over 80k miles, through National Car Credit (pretty sure I've seen another topic on here about them). The car is now more than 10 years old, and I did take pictures + videos of the car before it was collected.   Now. I've had a payment holiday through April and May (which I don't dispute and will willingly cover the amount that they're asking for this payment holiday term) But however I'm not okay with covering the bodywork repairs for a car that is over 10 years old and wasn't excellent condition the day I've purchased it. It came with no service history book and only one key (on my own expense I've purchased another one and had it programmed)   No arrears on the account, no missed payments (just 2 month agreed payment holiday - between myself and MB) which I'm okay to cover. Given the car back in drive-able condition (it was very noisy the week before it was collected, hence why I've spent money on repairs) half of tank of petrol, kept tax up to the day it was collected.   Advice would be appreciated, thank you.   dx: I can't pm you as I haven't got enough posts on here, but if you'd like more details and see what has been sent and see the responses please PM me.     Thanks.
    • I am not a lawyer but I definitely think you are correct.   You will need evidence that Fast Track was not available on your way out - "Unknown reasons" sounds ominous. Do you have pictures/videos/written records to prove it?   Ryanair website states they are not responsible for you missing your flight as a result of fast track, but it doesn't say anything about not being responsible for the product they sold you not being available. Have you tried asking for a refund already?   Either way they sold you something that they did not provide - I don't see how this can be legal - and hopefully you should be able to prove it. Get written evidence that they refused to refund you (if you don't have it already) and take it straight to your card provider. (by many accounts it seems pointless to try and negotiate with Ryanair)
    • Hello everyone, recently I ordered 4 birds, 2 canaries and 2 lovebirds from a pet shop in Nottingham. When I received the birds, one of the canaries looked scruffy and had a bald spot on its back. when I asked the owner if this was normal he stated that “it is a baby and will be normal in a week” so I waited a week and I discovered it was sneezing throughout the night. I then decided to check their weight and the scruffy one was only 15 grams while the other was 26 grams. While weighing them I discovered they were covered in blood mites (small bugs that feed on blood) so I contacted him and he said I could return them but I’m unable to drive an hour to his shop so I offered to pay another delivery fee fr him to pick it up but he was ignoring me so I decided to try to treat them and bought many medicines and I cured their mute problem but now all 4 birds are sneezing, I’ve had many birds before and I’ve never had these problems so I asked him if he couldn’t please come pick them up but he kept reading my messages and ignoring me then when I called him he blocked my number so I messaged him on my other number laws showing te sale of an ill animal is prohibited and sent him proof of his false advertising (saying they were “excellent healthy birds”) proof fm their illness and he blocks me again. I feel scammed and according to the law he I is obligated to refund me for the birds and any medical expenses but I don’t know know where to report him or what to do about it. Any suggestions would  be greatly appreciated. Thank you 
    • well anyway. as its the same email then and not directed at them to pay no its not correct they have done it under gdpr etc etc.   so regarding the debt. what readings prior to this have you been sending? to prove this billing is correct or not  have regularly sent them before  and is the estimated readings higher than your actual usage. when does the debt First date back too aswell        
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    • 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.
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andycuk

Change of DCA and Attachment to earnings

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Hi Folks

 

Hope you can advise me of what to do next with regard to the follow.

 

I will try to outline this as clearly as possible.

 

Bought a Land Rover on finance.

 

Got into finacial difficulties during divorce, Land Rover not interested and told me to sell it and repay finance. Which was done.

 

Deficit of £1800 which was taken to court for recieved a CCJ followed by attachment to earning of £40 per month at source from my employers.

 

£40pm stopped in February 2009 so assumed had paid it all off.

 

Letter today from a company called Link Financial Outsourcing, stating they have purchased the Debt from Ford Credit Europe PLC (finance was with Land Rover Finance so why its Ford now do not know) and that the account is £657.16 in default.

 

They are demanding full payment in 7 days and threating to pass on to a DCA or a Solicitor and take Legal Action to either recover vehicle, enforce a judgement on an asset or property or instruct baliffs to sieze goods.

 

Can anyone please tell me where I stand and what should I do now.

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Didn't Ford own Landrover for a short period? If so, this might explain why Ford finance is involved. Check your finance documents, as should be contained in the small print.

 

Check your statements to see how long, you were paying the £40 per month. If you don't have statements, your bank can provide these. If they charge per statement, it might be cheaper as a Data Protection, subject access request, for which they can only charge a max of £10.

 

Send Link Financial a letter explaining the situation as you outlined in your post, asking them for full details. Advise them that you were making regular payments to x company via a Direct Debit arrangement, but that this company stopped collecting the payments. Ask them to find out why this was, as you thought the account had been repaid in full.

 

Send this letter by recorded delivery. This is important as companies like Link will not be interested in getting involved in investigating what happened with the account. They are just payment collectors, not customer service account handlers that are willing to look into anything you write to them about.

 

If they ignore your letter and try to take this to court, you will need the letter and recorded delivery slip to help with your defence. The court will must likely then reject any claim by Link on the basis you had made reasonable enquiries with them, which they failed to respond to.


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