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    • Hi all,   I am being chased by a debt collection agency or monies owed to an motor insurance broker. I took out the policy 4 years ago and after 3 months the insurance company cancelled my policy without any explanation. At the time I was told no monies were owed, then I received letters I owed in excess of £130. I ignored the letters and 4 years later this debt collection agency has contacted me to collect the monies.   If I paid the balance outstanding via the debt collectors portal, can they chase me again for any additional money in the future? Also can the debt collection agency leave negative mark on my credit file? At the moment there is nothing on my credit file. 
    • I haven't seen any legislation pertaining this, however because I have been looking at the consumer issues that may be why. He has now had the final letter before action letter and read it several times, however in his first response on my second 14 day limit letter he raised the issue that his health isn't good at the moment, which I believe is another fallacy, cars are still being sold and added to his page on autotrader.    If you could point me to the legislation you are reffering to then that would be most helpful and welcome.   TS have seen the invoice, and passed this on to his local TS.
    • it is not the only way to proceed and IMHO the wrong claim to raise, should you wish to raise one in an english court   if you really do want to raise the claim under consumer rights issues, i suggest you have a chat with TS again first and ask them if this is a good idea?   the pre contract info doesn't exist nor is applicable because you nor he ever entered into any contract covered by any consumer rights. he illegally sold you, a member of joe public, a car using a strictly traders only method.   i would hope TS point out the above and p'haps suggest you raise a different claim possibly encompassing this mis-sale and that you had no knowledge what he had ultimately done is illegal, nor that you ever agreed to do it anyway, as you now realise as a member of joe public, not a trader, you couldn't. you might even find TS will help, support and be involved with you in court regarding this too.   as it stands with cards on the table, he is under no obligation to pay for collection of the vehicle, you don't want to risk returning the car and never getting your moneyback - it's a stalemate where he is smiling still until you raise the correct claim.   although you have issued , 2 is it now, court warnings, it might be better to finally issue one correctly stating what you are going to do, then he might realise the penny has finally dropped and the game is up. there would be no harm in stating that to avoid such actions, should you pay me back by bank transfer the sum of the car and my initial transportation cost of xxxx, making £xxx in total by xxxxx date, i will not raise the claim.   The situation would then be far more serious for him and he might capitulate, inc refunding transportation costs, in the want of not being exposed in court, as there are numerous well publicised court cases whereby by traders have been hammered hard for pulling doing this scam on joe public.   another advantage of doing the above claim is you might get to keep the car for free, get all your moneyback.            
    • Hey guys came across this site today wow how great is this anyway.  here is my story    Car found on autotrader  £1800 merc  mot  vgc blah blah and stated had recon / gearbox fitted  / spoke to the garage selling the car and asked if they would take my faulty bmw in px it had issues which were explained to the garage  he said £900 cash and my car ok deal done    i drove to manchester in my car the owner was all chat and praise for the car he was selling and told me how it dropped its oil from the gearbox and how they fitted a new gear box so i thought ok im all good to go  deal done drove home    its now 3 weeks later and the transmission has failed  green flag recovery   i tell the garage this morning after looking into my rights and explained the situation   the person i spoke was trying to say its was his dads car and tuff luck buddy we aint helping u and telling me about the problems he fixed on my old car rather than help me with the current problem    the call ended as was in mid speak when he just hung up on me i text to explain thats no way to treat a customer    i have now written the standard letter as i found a template elsewhere  giving them 14 days to respond    I would like a little help with a follow up letter or my route to action after 14 days  as i dont think ill be getting a reply from them  regards patrick     
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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
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      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 .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
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Is this vehicle lease valid?

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my uncle signed for a vehicle through his ltd company which went into liquidation a few weeks later.



He then went self employed and took the van on as a sole trader.



I have looked at the paperwork and there are 2 boxes for signing.



one by Network vehicles and one for my uncle.



The Network vehicle signatures look like they are done by computer

and it also looks like they were already on when my uncle received the documents.



Am I right in thinking that he may be able to send the vehicle back as the paperwork wasnt properly executed?

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Welcome to The Consumer Action Group.



I am just letting you know that as you haven't had any replies to your post yet, it might be better if you post your message again in an appropriate sub-forum. You will get lots of help there.


Also take some time to read around the forum and get used to the layout. It is a big forum and takes a lot of getting used to.



Once you start to find your way, you will soon realise that it is fairly easy to get round and to get the help you need.


It can be bit confusing at first.

Please be advised that my time will be limited for the next few weeks.Thanks for your understanding.

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If it was originally through the Ltd company then he personally has no rights to the vehicle and should hand it back to network.

He will have no liability if the ltd co's name is on the lease unless he signed as a gaurantor.


Hi, my uncle signed for a vehicle through his ltd company which went into liquidation a few weeks later. He then went self employed and took the van on as a sole trader. I have looked at the paperwork and there are 2 boxes for signing. one by Network vehicles and one for my uncle. The Network vehicle signatures look like they are done by computer and it also looks like they were already on when my uncle received the documents. Am I right in thinking that he may be able to send the vehicle back as the paperwork wasnt properly executed?
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Unfortunately he signed a new contract under his self empolyed business name, but it looks like the contract that he signed was signed on behalf of network vehicles before he signed it. Would this still be valid because the pre executed the agreement. Network vehicles signatures are exactly the same on all previous contracts received (done by computer). Do they have to physically sign?

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  • 2 weeks later...
  • 3 months later...

My uncle bought a van through his Ltd company. The company went into liquidation and he went self employed. The lease company got him to sign a new lease which was an "unregulated" lease without his knowledge or explaining to him what it was. He now doesnt need the van anymore and has found a buyer, however, after selling it he will be about £4800 short of the settlement figure he has to pay.

If he sends the cheque for the amount he sells it for and words the letter something like "I enclose a cheque for XXXX as full and final settlement" and they cash it, can they come after him for the remaining balance or does cashing the cheque constitute acceptance as full and final settlement.


Please help.

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Hi, forgive the format, it won't let me left justify for some reason. F&F's are notoriously complex and everything needs to be agreed in writing before a single penny is paid. Although many people believe writing Cashing of this cheque is aaccepting F&F or similar, it will hold no legal water! Get an agreement in writing, make sure the remainder of the debt cannot be sold on, and make sure that anything negative on your CRF will be removed and it marked as settled. Hopefully the letter below will help you get started. Apologies again for the formatting, my computer's having a funny five minutes!

Full and final settlement for any debt



Your Name & Address


Company Name



Dear Sir/Madam


Re: Your Reference


We write with reference to the money which you are claming on the above account.


We can confirm that we are unable to offer to pay the money which we owe in full. However, I can raise £ ??? and I want to offer this as an ex−gratia payment in full and final settlement of the account. This offer is made on the clear understanding that, if accepted, neither you nor any associate company will take any other action to enforce or pursue this debt in any way whatsoever and that we will be released for any liability.


We also request that, if accepted, you will make an entry on a credit reference agency file relating to the above account as "satisfied" in full.


Payment can be made within 2 weeks of receiving your written agreement of this offer and method of payment.


We look forward to receiving your reply.


Yours faithfully


Your Name

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