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    • Paypal are based out of Luxembourg and as they deal with billions of transactions, it is probably just a numbers game to them.   We see regular reports of debts owed amounting to thousands and they never appear to go beyond DCA's sending out their communications.     It must be a question of cost of collection activities versus how much they could collect in reasonable time.  The DCA's probably collect a  sufficient percentage, for the rest of the remaining debts to be written off against any tax liabilities. 
    • Please will you monitor this thread for a fuller reply later.    However have you had any independent assessments of the the standard of the motorhome and also of the cost of repairs?   Do you want to keep the motorhome or are you looking to return it?
    • Hi, I'm looking for advice on what is the best way going forward for me to deal with Marquis.i bought a 2012 campervan for 32,000 from them in June. Since then I've been back a few times with problems.œ   I didn't expect the van to be perfect and I have done quite a few repairs myself. The van couldn't have had any real habitation check though and it was very dirty inside.   Since I started complaining they've replaced a broken awning ,but it took 2 visits for them to clean blockages in the waste system. I'm still waiting for them to replace tank sensors.   I finally managed to get away for a few days in the van last week and lo and behold no hot water or heating. I rang them only to be asked if I was new to caravanning etc. We've had 3 caravans and 2 previous campervans. One of their"highly trained technicians"rang me back to talk me through using the heating and then he agreed that we had a problem. So now it's booked in with them for 24th August.   They sold me a dirty van without giving it any real habitation check.i had to buy tools to change the cabin filter (not done because of coronavirus risk ) and discinfect the air intake system as it smelt so bad. I've found that the fridge has a crack in the lining, I've repaired the shower fitting, toilet cassette seal, and spent hours cleaning encrusted dirt off the toilet and cassette. I've sent emails listing all this and other things I've done. Each time I've found something needing doing I've thought that this will be the last.   I have no confidence in them at all, they can't even glue a piece of trim down. We are actually sick of the van now, all the joy has gone and we would like to hurt the company in their pockets if possible. Any suggestions please? 
    • Why would you not inform the insurer?  is there any downside?  In fact they might even say that by not informing them immediately you have allowed the situation to deteriorate and to become more expensive. I think that you should inform them.   Have you had any expert opinions as to the source of the problem?  Is it sure that it comes from next door? It probably does but if you can provide expert evidence that it does then you could also consider a claim in nuisance as I would say that they have a duty to address the problem in order to prevent it affecting you
    • sorry yes its the strange way this site labels its date...
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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.
       
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      Thanks for reading 
      • 16 replies
coledog

BBC - Warning over debt clearance claim - useful link

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Its probably sensible guidence although i believe it is the bully boy tactics of DCAs and the people they employ that has resulted in the public fighting back so a situation that they have created themselves, most people go into debt due to circumstances that are unforseen or out of their control so an approach of working together to solve the situation would be more productive for both partys but the DCAs refuse to see this and try and go for the jugular every time (all be it with a playdough knife in most instances) which results in the debtor becoming less likely to want to pay owt even if they are aware of any money owing

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I agree with the above. Mind you, I guess those companies, and the situation with unenforceable CCAs will eventually run their course. Perhaps that is why we are seeing a rise in the revival of old and SB debts being chased. If only half of these result in payments being made/agreed then they have discovered another, albeit morally incomprehensible source of income.

 

Of course, also, with the downturn in lending, and the amount of 'information' these companies put against a credit file, they are really shooting themselves in the foot - if more and more people have 'bad' information, then there will be less and less lending so, in the long game, less work for them120104laughter061.gif


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The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

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My reason for challenging DCAs was purely because of their unreasonable demands for payment amounts and for completely ignoring my reasonable offers of payment.

 

I have continued paying the DCAs who have been sympathetic to my situation (two out of the four). My point on this was purely to tell the unreasonable DCAs that if they were going to continue in their demands, then they'd have to prove that they were legally allowed to collect alleged debts.

 

Threats of black marks on my credit file or CCJs against me don't bother me at all as my credit file is already shot, I own no property, have no appreciable assets and have a pittance of an income - in fact always (technically) just a couple of months away from being homeless - they can't hurt me any more.

 

The article is probably quite right, and I've never sought to avoid repaying my debts, but I think if you are prepared to stand up to their bullying tactics, it's worthwhile doing so .

 

Thanks for the link coledog :)


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My pleasure Halibutt, it is the first report I have seen about this although I heard it was going on.


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