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    • dx100uk   do you think it might help if the OP went back to the dealer and argued the point about the dealer having to pay the vehicle recovery costs (in the event of a cancellation and no pre-contract info) by quoting to them the Motor Trade Ombudsman's view on the question from post #25?   I mean, the motor trade ombudsman is not generally well-known for being on the consumer's side, and yet there they are spelling out the OP's argument for her!   This could be backed up by (1) reiterating that the advertised mileage does not agree with the MOT history - at least I think that's the case; I haven't quite got my head round it yet, and (2) pointing out that the "sold for spares" bit is simply untrue.  She could wind up by suggesting that she thinks any ADR or court would find in her favour on all three of these points and ask if he wants to reconsider his position.   See if that shifts the dealer any further.   Assuming he won't move, then either go for ADR (is this binding and who does it?) as a first step or continue with legal claim.   Only contra-indications I see:  (1) I think the distance selling/extended cancellation argument is very unusual with a used car purchase and have no idea if it's likely to be successful.  BUT Advice Direct Scotland and Aberdeen TS seem to think it's possible(?) and so does the Motor Trade Ombudsman - so who knows.   (2) BankFodder did suggest several pages back that if the OP got the purchase price back that might be a result, but that would mean either writing off two sets of transportation fees or arguing separately about them.    
    • Hi. I posted on the facebook group about Hermes queries re: a parcel that Hermes said delivered but i didnt receive. It was a private sale of a mobile phone from a seller in Wales to me in Edinburgh.   The seller has stopped contact with me now so I cant get any help from them. Hermes are saying it was delivered but it wasn't.   I have got all copies of emails to and from the seller and to and from Hermes. A photo of the actual parcel that the seller sent me prior to posting.   There also seems to be a some confusion on the Hermes tracking info about which day it was actually delivered but either way I was in my house both prior and after the delivery.   There was no photo but it stated the driver got a signature. Not true cos it was a covid thing not to get signatures. No calling card to say it was left somewhere else or in a safe place. It just simply wasn't delivered.   I've been told to ask for GPS info in order to trace the delivery or driver. I cant even talk to a human or get a valid address to write to.   I sent an email to the CEO guy and still no reply. I've not reported anything to the police but I'm getting all sorts of contrasting advice to do this and not do that etc that im totally lost now.   If you read this David, please get back to me please. Much appreciated.   This happened in June/july so hope im not too late to still do something about it. It's just took this long to only get to this stage. 
    • PAC code   https://tinyurl.com/yxhxcsxf   ...
    • Noted! Hopefully there won't have to be another time though!     I did respond to the email, I just said that he cannot deduct any costs incurred for collecting / picking up the vehicle and if it heads down the route of ADR which is a total new concept of me having any involvement with, that he would have to pay a refund/the cost of the car and the cost associated with the collection of the vehicle.    Upon further checking the legislation because he gave me no cancellation rights prior to the contract starting he is indeed guilty of an offence, which is the likelihood of what trading standards are dealing with in regards to his local TS contacting him.     
    • hi,     Just asking for some experience or knowledge.     I purchased a puppy on the 30th of august. On numerous occasions I was in contact with breeder and asked if the puppy showed signs of entropion.    I was told no.   On the 26th of August puppy had first jabs. And apparently their vets said none of the litter showed sign of entropion.    On collection of puppy I noticed he was covered in green mucus. The pen had dog muck spread in there so assumed it was just from pups playing and maybe getting it in each others eyes (poor hygeine on breeders part)   Anyways,   Asked breeder to wipe pup and we left       With in 3 hours we realised that the puppy wasn't well. He physically couldn't open his eyes and when we attempted to clean them his eyeballs weren't visible.    We phoned an out of hour vets and contacted the breeders immediately.     The pup was taken to the vets and we were informed he had a severe eye infection which was a result to entropion.    The vet bill came to around 900 after tacking and meds etc. I asked the breeder to cover the costs. They said no because their vets said their was no issues.     The state on this puppy my vets think he's suffered from birth.     And most certainly not 5 minutes before I turned up.      I've filed a small claims for the cost of the vets and the cost of the puppy.      Where do you think ill stand?    What type of evidence will the judge want to see. Thanks
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    • Ahmed Alwaheeb's firms sold cars riddled with faults – and which sometimes had government recall notices. https://www.consumeractiongroup.co.uk/topic/427369-ahmed-alwaheebs-firms-sold-cars-riddled-with-faults-%E2%80%93-and-which-sometimes-had-government-recall-notices/&do=findComment&comment=5071860
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    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .

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I am Canadian, but I have been living in the UK for the past year. I have $78,000.00 unsecured Canadian debt, which I have been paying for the last four years (student debt). Over the past four years I have paid over $50,000.00 towards it and it hasn't touched the principle balance.

 

My situation has changed and I am no longer able to pay what I've been paying.

 

I have tried to consolidate within the bank, and they have declined because it is unsecured.

 

I have spoken to debt consolidation agencies, who won't help me because I live out of the country.

 

I have now tried dealing with the public trustee and looked into bankruptcy or a consumer proposal but it looks like those aren't options either.

 

Three professionals who I have dealt with regarding this have advised me that I could just stop paying and can't be tracked down because I live in a foreign country. Obviously this isn't the option I would like to take, but I am not having any success sorting it out the other way.

 

Does anyone know the repercussions for this? Can I be sued or chased by debt collectors in the UK for Canadian debt?

 

Any advice would be much appreciated. I really don't know what to do about this.

 

Thank you.

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Does anyone know the repercussions for this? Can I be sued or chased by

debt collectors in the UK for Canadian debt?

Debt collectors will pursue in the UK if they discover where you are. Have a read through this sticky http://www.consumeractiongroup.co.uk/forum/showthread.php?250889-Can-I-Be-Sued-For-An-Overseas-Debt but basically they would needed to have obtained a judgement in Canada in order to try and enforce here and if the law in Canada is the same as the UK they would not be able to obtain a judgement against a non resident.

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Thanks for getting back to me. I had previously looked at your post, but I find the legislation very confusing, especially between the two countries.

 

This hasn't gone to debt collection yet. I have just defaulted on my first payment, and about to default on my second. It is still in the banks hands.

 

So I have already told them I live in the UK, and given a phone number here (they called my sisters house in Canada). I don't think I gave them my address but I don't remember. I tried to change my address on line, but it won't allow me to give a UK address. So I don't think they have it.

 

If they don't have a UK address for me, how do I prove that I am not a resident of Canada for them to not obtain a judgment? How do I find out if the laws are the same?

 

Thank you so much for your help.

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It's easy enough to prove that you were a UK resident by rent books, utility bills, bank a/cs and even visa stamps etc.

 

Also, will they still be able to sell my Canadian debt to a UK debt collector?
The majority of UK debt collectors will be commission based and work on behalf of the original lender. Although there are some who will purchase the debt if it was low enough & considering in the UK the majority of debts are bought for between 7 & 15% it would probably have to be offered for lower than that.
This hasn't gone to debt collection yet.
It will be several months before they pass it on to a debt collection company.

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15% would be about £7000. If a debt collector came after me here for that, would I be able to settle in on a payment plan (sorry, never done this before!) and any idea how long it would take the Canadian bank/debt collector to sell my debt to one in the UK?

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A debt collector would want as much of the original debt as possible and I doubt whether they would negotiate at an early stage anyway.

 

Debts are not sold singularly, they are auctioned by the thousands.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

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So, without asking for advice, what are my options here and what can I do? Is my debt, $78,000 Canadian, worth coming after?

 

I do appreciate your comments. I'm so lost here.

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If you have no assets worth speaking of have you considered entering bankruptcy here in the UK?

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

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I have no assets, but don't want to declare bankruptcy in the UK. I have always had a very good credit rating - what is happening now is awful. I'd like to leave it where it is (in Canada) if I can't settle, it and carry forward here - I haven't accrued any debts here. It's not that I haven't tried to pay it. It's just impossible now.

 

Any other thoughts?

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What about bankruptcy in Canada?

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

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I have actually looked into that...and I can't file it myself from here, I have to be living in Canada or have a Public Trustee there file it for me. I'm trying to go the Consumer Proposal route (it's actually less of a run around than bankruptcy - which is actually very expensive). The problem is, the Public Trustee isn't sure if they can file it for me. I will hopefully know tomorrow.

 

I'm worried that if they can't file it, I'm back to square 1 with no idea what my options are. The last thing I want to happen is to have some debt collector arrive at my door in three years time demanding £50K.

 

I've heard that if it goes to collection, they will often offer you to settle it for less - do you know anything about this?

 

It's really hard to figure out because basically nobody over there will talk to me since I am not a resident, therefore they can't help me. I'm sure I'm not the first person this has happened to living abroad, so I'm just wondering how I can go about sorting this out in the tidiest fashion.

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