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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • Seven77
      Caught fare evasion in tube station

      By Seven77 · Posted

      Thanks dx for your kind words. I plan to renew my season ticket and write a new begging letter as following, can I ask for any suggestion about it?   Dear Investigator/Prosecutor,   Thank you for your reply. I deeply regret my actions and the inconvenience they have caused.   I’m extremely remorseful for my crime. and regret it everyday. I often ask myself ‘’how can I do that thing just because I felt it is interesting. There are a lot of crimes in the world, but feeling it’s interesting is certainly not a reason to crime. I should not crime with any reason.’’ I think about these things every day, and I understand that I can’t blame anyone but myself.   I thanks to the staff who stopped me, as this is a valuable lesson in my life. I told myself that I should never ever repeat such a thing again, and never ever do anything which is possible to be in breach of any law. As a result, I carefully tap my oyster card every time before I enter the station now. I remind myself that I did a wrong thing before, and I should never let it happen again.   Although my monthly travel expenses do not warrant a season ticket, but I just renew my season ticket (please see the attachment). I understand that a crime cannot be truly compensated for, but purchasing a season ticket offers me a small measure of comfort, knowing that my actions caused a loss to the public interest.   I received an email which ask me to negotiate being class teacher in this summer (please see the attachment). I hope that I could teach the lovely students again, which may not be allowed with a criminal record. I would please ask that you would please provide me a single opportunity to settle all outstanding sums owed outside of court without the need for legal proceedings which would have a determinantal impact on my teaching career.   I sincerely apologise again for my crime. If you need anything further from me to help you please let me know.    Yours sincerely,
    • lookinforinfo
      NPE ANPR PCN - No Permit - Locton Estate, London, E3 2LP

      By lookinforinfo · Posted

      You did what??? You asked them to send you the documents that without them you had  a 100% ironclad win in Court. Why on earth would you do that? As it happens in this case, there is still enough mistakes in their PCNs and the NTH to have your case cancelled. Amd it may be that not sending those documents in the first place along with the ICO complaint and the letters from Alliance themselves which would confirm by the dates on the letters may be enough to cancel it anyway. I hope you have kept their letters as evidence? The chances are that Alliance will not actually take you to Court because of their errors but you never know.  You have made so much extra work for yourself in your WS if they decide to push their luck.though. Can you please post up their letter where they give the reason why I wasn't sent with the NTH.
    • BankFodder
      Recording audio in health conversations

      By BankFodder · Posted

      I'm not sure that I fully agree with my site team colleague above.  My understanding is that there is nothing to stop you recording but it is strictly for your own personal use.   
    • student145
      sent debt by bwlegal for over £3000

      By student145 · Posted

      I live in a student house, with 5 tenants, unihomes is our utilities provider, who we each have a direct debit set up with and have paid each bill every month. Two letters were sent in my name by BWLegal saying I had two outstanding payments due adding up to over £3500, I have tried to contact british gas (as that is apparently our houses provider) as well as Unihomes. Nothing has helped and BWlegal are pursuing legal action if these debts are not resolved by the 1st May. What do I do? I've called Bwlegal when i bring up that the debt isnt for me and for unihomes they hang up on me. so I am stressed and do not know what to do
    • dx100uk
      Recording audio in health conversations

      By dx100uk · Posted

      cant do either if its not in a public place or on your land. dx  

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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Please help, repossession Santander Consumer Finance

MichelleColl
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MichelleColl

MichelleColl

Posted
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Posted

Ok you think I should maybe hold off the request until after its all come back?

 

On another note I am absolutely astonished how differently we have been treated to Becka who has just posted.

It seems outrageous!! How can the same company act so differently?

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Tingy

Tingy

Posted
Posted
Ok you think I should maybe hold off the request until after its all come back?

 

On another note I am absolutely astonished how differently we have been treated to Becka who has just posted.

It seems outrageous!! How can the same company act so differently?

 

I would. Get everything back and paid for, then hit them!

 

Agree over Becka. As you've probably seen I've posted (was the only one) and advised her to contact them as they seem to be being so reasonable. Crazy world isn't it!

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dx100uk

dx100uk

Posted
Posted

strictly speaking they only have to show the letters 'were probably' sent if it was an automated system.

 

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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MichelleColl

MichelleColl

Posted
  • Author
Posted

Hiya, well had a letter through the post yesterday acknowledging my complaint and stating a reply would be made within 4 weeks....this would obviously be a useless response if I was still hoping to get the car back from them without having to pay it all. So not too happy about that.

 

Secondly I have just realised that a very personal possession of mine (silver bracelet loaded with charms collected and given over the years) was in the drinks holder in the front and im worried sick that it might not be there when we go to pick it up. What would I do if it isn't there? I've got no way of proving it :(

 

Any help again please...

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Tingy

Tingy

Posted
Posted
Hiya, well had a letter through the post yesterday acknowledging my complaint and stating a reply would be made within 4 weeks....this would obviously be a useless response if I was still hoping to get the car back from them without having to pay it all. So not too happy about that.

 

Secondly I have just realised that a very personal possession of mine (silver bracelet loaded with charms collected and given over the years) was in the drinks holder in the front and im worried sick that it might not be there when we go to pick it up. What would I do if it isn't there? I've got no way of proving it :(

 

Any help again please...

 

 

OMG Michelle - you're not having it easy are you. I've no idea what to suggest about your bracelet. If it's gone it's theft which is criminal, hence police. But in reality all they are likely to do is give you a crime reference number for insurance purposes. You could try action against the people that took it, but to be honest I don't think you'd stand much chance.

 

As regards your complaint it would have been useless, but it isn't now (try to see some of the positive in this horrible mess) as you can wait four weeks. And don't for one moment think one letter is the end of your complaint. After what you went through (and a good few of us with you) you deserve more than a written apology.

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wannabedebtfreesoon

wannabedebtfreesoon

Posted
Posted

Hello, I just wanted to add that I think you need to get it in writing that they will return the car if you pay the remaining balance, these people are the **** of the Earth and they cannot be trusted one inch :mad2: I would hate to see you pay all that money and then still not get your car back.

 

As for what they've done, I absolutely agree with all the previous posts; get the car back and then totally sue the pants off them for what they have done!!!!

 

As I see it, this is an unlawful repossession in that they failed to serve a valid default notice, (the total arrears being less than 2 contractual monthly instalments), therefore forfeiting the benefits of Section 87 and they also removed the car from your premises without your INFORMED CONSENT and without a court order, which is a contravention of Section 92, the remedies for which are outlined in Section 132 and additionally their actions are also akin to trespass.

So it appears you would have a very good case against them!

 

Chin up and best of luck :wink:

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MichelleColl

MichelleColl

Posted
  • Author
Posted
OMG Michelle - you're not having it easy are you. I've no idea what to suggest about your bracelet. If it's gone it's theft which is criminal, hence police. But in reality all they are likely to do is give you a crime reference number for insurance purposes. You could try action against the people that took it, but to be honest I don't think you'd stand much chance.QUOTE]

 

Oh gawdd, your not doing much to quell my nerves here Tingy, lets hope there are some half decent people left out there somewhere, anyone can clearly see its a really personal item. :(

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MichelleColl

MichelleColl

Posted
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Posted
Hello, I just wanted to add that I think you need to get it in writing that they will return the car if you pay the remaining balance, these people are the **** of the Earth and they cannot be trusted one inch :mad2: I would hate to see you pay all that money and then still not get your car back.

 

As for what they've done, I absolutely agree with all the previous posts; get the car back and then totally sue the pants off them for what they have done!!!!

 

As I see it, this is an unlawful repossession in that they failed to serve a valid default notice, (the total arrears being less than 2 contractual monthly instalments), therefore forfeiting the benefits of Section 87 and they also removed the car from your premises without your INFORMED CONSENT and without a court order, which is a contravention of Section 92, the remedies for which are outlined in Section 132 and additionally their actions are also akin to trespass.

So it appears you would have a very good case against them!

 

Chin up and best of luck :wink:

 

 

That hadn't even occured to me, could they actually do that? I will get onto it tomorrow as the loan will be in place by Thursday and I was hoping to pick it up by Monday.

 

You seem very informed by the way, may I ask what legislation that refers too? I am somewhat of a novice :(

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wannabedebtfreesoon

wannabedebtfreesoon

Posted
Posted
That hadn't even occured to me, could they actually do that? I will get onto it tomorrow as the loan will be in place by Thursday and I was hoping to pick it up by Monday.

 

You seem very informed by the way, may I ask what legislation that refers too? I am somewhat of a novice :(

Unfortunately they could do that if you have nothing in writing to confirm their offer :sad: I'm not saying it will happen but it's always best to err on the side of caution when dealing with these people because they didn't exactly play by the rules in the first place!

The fact is that once they have repo'd a car they are entitled to claim the balance remaining on the agreement minus the amount they get for the car at auction, so it is possible they will take your money, sell the car for a pittance at auction and then refund you that amount. Like I said, it's always best to have everything in writing, you can't trust anything they might say on the phone!

 

Sorry I get bit ahead of myself sometimes, the legislation is the Consumer Credit Act 1974 and the Consumer Credit Act Amendments 2006. I had my own car unlawfully repossessed in January 2010 and have since taken court action them, I have spent a ridiculous amount of my life researching the law regarding these issues!

If you have a spare few days you can read my thread lol!

Car repossessed off private property with no default or termination served with police consent! Please help

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MichelleColl

MichelleColl

Posted
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Unfortunately they could do that if you have nothing in writing to confirm their offer :sad: I'm not saying it will happen but it's always best to err on the side of caution when dealing with these people because they didn't exactly play by the rules in the first place!

The fact is that once they have repo'd a car they are entitled to claim the balance remaining on the agreement minus the amount they get for the car at auction, so it is possible they will take your money, sell the car for a pittance at auction and then refund you that amount. Like I said, it's always best to have everything in writing, you can't trust anything they might say on the phone!

 

Sorry I get bit ahead of myself sometimes, the legislation is the Consumer Credit Act 1974 and the Consumer Credit Act Amendments 2006. I had my own car unlawfully repossessed in January 2010 and have since taken court action them, I have spent a ridiculous amount of my life researching the law regarding these issues!

If you have a spare few days you can read my thread lol![/b]

 

Ok thank you, you are probably right, since this has happened (2nd December) the only written correspondance we have had was a 10 day late termination letter. They don't seem very hot on keeping you informed of the process or your rights.....the more I think about it the more shady it seems!

 

That certainly is a long post, I will make sure to read it tomorrow when I don't have to prop my eye lids open with matchsticks.....damn pregnancy!! LOL

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  • 5 years later...
Nevergiveupfighting

Nevergiveupfighting

Posted
Posted

Hi, I know this is an old post, however I found myself in a very similar situation to this post. If anyone needs advice on how to deal with this in the future let me know. It's a very draining, emotional process, but there is light at the end of the tunnel if you keep fighting and don't give in.

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dx100uk

dx100uk

Posted
Posted

then start a new thread

and tell your story

that way you CAN help

 

 

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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  • 3 months later...
dx100uk

dx100uk

Posted
Posted

start a new threadlink3.gif

and tell your story

that way you CAN help

 

 

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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Nevergiveupfighting

Nevergiveupfighting

Posted
Posted

Hey!

 

Have you received the default notice before you received the termination letter?

Have you been receiving your mail to the correct address?

How far in arrears are you?

 

 

As soon as you're two months in arrears, they automatically issue a termination letter.

What's the reason you fell into arrears?

 

 

As that will be a factor on whether they reinstate your finance agreement with them.

 

 

I know at the moment it's a very stressful time for you, my anxiety was through the roof when this was happening to me, just try to calm down.

 

 

Have you tried to call Santander?

 

 

When you do, request to speak to a Manager.

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dx100uk

dx100uk

Posted
Posted

thread is from 2010!

 

 

now closed

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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If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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