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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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    • Derek Duvall
      PCN Issued by Euro Car Parks in Sainsburys, Whitechapel, London

      By Derek Duvall · Posted

      I have just received a PCN from Euro Car Parks for exceeding allowed parking time. I have not replied, appealed or contacted anyone from Euro Car Parks but would appreciate any advice before deciding on my next course of action. I have attached letter of correspondence    Euro Car Parks PCN.docx
    • honeybee13
      Driving disqualification through x2 MS90 was unaware of - failure to identify but not the org speeding? sent Statutory Declaration to the court? - help

      By honeybee13 · Posted

      It's better to keep advice on the open forum for everyone's benefit. Maybe you could post up the correspondence in a single pdf document and cover up your personal details, reference numbers and so on? HB
    • ffc1991_
      Driving disqualification through x2 MS90 was unaware of - failure to identify but not the org speeding? sent Statutory Declaration to the court? - help

      By ffc1991_ · Posted

      Hi on the notice of disqualification it lists the 2 speed offences and marks offence withdrawn? This is for both offences and then the other 2 is the MS90s which I’m fined for and the additional costs. R
    • OldVWMK1
      Markerstudy - Other driver fled the scene

      By OldVWMK1 · Posted

      Hi,    It has taken a while, but I have received an email from Auxillis -  hello, we are not dealing with this claim all we do is log accident for you isnurance - the claim has been passed to your underwriter markerstudy 0344 873 8183 as they are deal with fault cliams ion behalf of adrian flux. thankyou auxillis   I have made repeated attempts to phone Markerstudy in between working from home, struggling for energy and trying to find a cheap car so that I can keep my job (community support worker). Thankfully I have a supportive team and I am being given phone calls to make but it cant last too long. I had a severe migraine over the weekend and also have quite bad whiplash in my neck and back.    I found this in my insurance policy booklet -    Protection and Recovery If the insured vehicle cannot be driven following an incident leading to a valid claim under this section, we will pay: • the cost of its protection and removal to the nearest approved repairer, competent repairer or nearest place of safety; and • the cost of re-delivery after repairs to your home address; and • the cost of storage of the insured vehicle incurred with our written consent. If the insured vehicle is damaged beyond economical repair we will arrange for it to be stored safely at premises of our choosing. You should remove your personal belongings from the insured vehicle before it is collected from you. In the event of a claim being made under the policy we have the right to remove the insured vehicle to an alternative repairer, place of safety or make our own arrangments for re-delivery at any time in order to keep the cost of the claim to a minimum     I do about 20-25000 miles a year with the work I do, I have been getting quotes and putting that I have now have one accident and no no claims bonus and the cheap quotes from similar companies to markerstudy are more than double what i paid last year at 8-900 and aviva is offering 2600 which is simply out of my price range and more than the car i am looking at.  I am starting to wonder if it is even worth going ahead with the claim as i have no one to claim from. I have had no information from any of the enquiries I have made.  I have a full tank of vpower diesel in the car in the impound, i can strip it for parts and probably make what I will be offered by the insurance payout and get the money quicker.  As I have made contact and started the process can I back out, still keep my NCB and a claim free history? Also what happens with my injuries? I don't think there is any permanent damage but my dr refused to see me and just gave me a boat load of naproxen and codeine. What happens in the future if things don't get better and I cancelled this claim? Can you claim injuries off your own insurance because the other guy ran and you cant find him? I have tried to ask these questions off markerstudy but they keep me waiting for nearly an hour then end the call.    Thank you for your time and help.  It is really appreciated.  I am quite honestly on the floor, I have been really ill, in hospital, had nearly 6 months off work and only been back full time a few weeks and now this.  The fact the company you pay large sums of money to look after you in a time of need is also behaving criminally just makes you want to give up.    
    • ffc1991_
      Driving disqualification through x2 MS90 was unaware of - failure to identify but not the org speeding? sent Statutory Declaration to the court? - help

      By ffc1991_ · Posted

      Thanks for the response. Am I able to send you the documents I’ve received or can you message via instant message and I’ll send these? Reece

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

Nationwide Collection Services/Aktiv re car loan Black Horse Ltd

anney63
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anney63

anney63

Posted
Posted (edited)

Hi I need help

My son bought a car off Black Horse has got a little bit behind with payments after 3 years . Apex started chasing sent request for CCA an SAR and this is the reply I got . The cheques were made out to Apex by my mother for the £1 and £10 so what happens now these were sent on 6th March so 12 Days for cCA is no up

Would appreciate any help Please

:confused:http://i671.photobucket.com/albums/vv79/anney63/img032.jpg"

Edited by anney63
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dx100uk

dx100uk

Posted
Posted

bit puzzled as to why you cca'ed AND SAR'ed them, the SAR will give you copy of the agreement anyhow, but should of been sent to the OC not the DCA.

 

what are you trying to do here?

 

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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anney63

anney63

Posted
  • Author
Posted

I thought as Apex were chasing it was up to them to send it maybe I was reading some of these threads wrong. Will it still be actioned by Black Horse or what next doesn't make sense :confused:

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harrassed senior

harrassed senior

Posted
Posted

A little confused as they mention February 2010 as date of inception of the Account?

 

It appears that Apex, not having the original Agreement, have been instructed to return the case to Black Horse.

 

I would say in normal circumstances that is that, but this one seems a bit more confusing.

 

As has been said Subject Access Request to OC, and CCA request to DCA.

 

I would wait and see what, if anything turns up from Black Horse and come back on here for further advise once we know what the current situation is.

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dx100uk

dx100uk

Posted
Posted

they can charge you what they like

you can claim it all back anyhow.

 

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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  • 4 weeks later...
anney63

anney63

Posted
  • Author
Posted

Well a letter from Black Horse now chasing hard no sign of CCA or SAR what now do I chase them for SAR and CCA they have the cheques from Apex now. How can they cash them under a different name. It appears they are just ignoring the requests. Help

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dx100uk

dx100uk

Posted
Posted

i'm trying to understand what you are trying to achieve here?

the loan is only 3yrs old, so its probably a given thing that the agreement exists and is enforceable, so ok the CCA request to apex was probably a delaying tactic on your behalf?

 

as for the sar, now that was actioned by the DCA, and they have complied - your better route, was to p'haps SAR the OC [bH] then you'ed have gottoen a complete record of the account and then be able to reclaim any unlawful charges & p'haps PPI?

 

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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anney63

anney63

Posted
  • Author
Posted

Black Horse requested the cheques I sent to be forwarded to them and closed the account with Apex. I have a letter stating this. I need to see whether this is an HP agreement or a personal loan which black horse had a habit of using for car purchase .

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  • 8 months later...
anney63

anney63

Posted
  • Author
Posted

Hi

Just received a letter re oustanding payments on my car. Just fallen on hard times. The letter is from Nationwide Collction Services. My car was bought via Black Horse Ltd. I haven't paid fro some time and all I have been receiving is a letter now and again not regularly stating that they are adding a further £30 collection fee to the loan. No phone calls nothing. No assignment letter. I have paid well over one third on the car part still owe quite a bit and am ready for repossession when it happens. I just find it odd that I haven't made a payment for months and no letters received until this from Nationwide.

You thought s would be appreciated . Should I have received aan assignment of debt and a default letter ???

:|

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  • 2 weeks later...
anney63

anney63

Posted
  • Author
Posted

Well this has now got a bit confusing I am being getting letters for Collection Activity Fee from Black Horse. Letters from Nationwide Collection Chasing Debt and Letters from Aktiv Chasing the same debt for less money and also some sort of deal which looks a bit fishy to me . No letter of assignment at all. What next do I just ignore them ??

:!:Appreciate any help you can give

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harrassed senior

harrassed senior

Posted
Posted

It is against guidelines and (I think) illegal for you to be receiving 'chasing' letters from more than one direction. If it were me I would send the 'bemused' letter to them all and see what happens then.

 

You should also report this matter to :http://www.consumerdirect.gov.uk/contact

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MayRich

MayRich

Posted
Posted

I've also had a loan passed on from Black Horse to Nationwide, with no notice of assignation. Since then Black Horse have nonetheless applied another notice of default to the account (even though it should theoretically be closed and I makre regular monthly payments).

 

On investigation it turns out that Nationwide are registered at the same address (116 Cockfosters Road, Barnet) as Black Horse Finance.

 

I take this to mean they are pretending it is a collection agency whereas it is still part of the business. Nonetheless I intend to ask for a notice of assignation. If they refuse to provide one I will simply refuse to deal with them and keep corresponding with Black Horse.

 

 

 

 

Hi

Just received a letter re oustanding payments on my car. Just fallen on hard times. The letter is from Nationwide Collction Services. My car was bought via Black Horse Ltd. I haven't paid fro some time and all I have been receiving is a letter now and again not regularly stating that they are adding a further £30 collection fee to the loan. No phone calls nothing. No assignment letter. I have paid well over one third on the car part still owe quite a bit and am ready for repossession when it happens. I just find it odd that I haven't made a payment for months and no letters received until this from Nationwide.

You thought s would be appreciated . Should I have received aan assignment of debt and a default letter ???

:|

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anney63

anney63

Posted
  • Author
Posted

Thank you for that I will have a lool I do have a copy of the agreement what does that mean. Iam also being chased by Aktiv now for less money and offering a NEW DEAL. 2 days later another letter from Nationwide. All very confusing. Just not responding to any at the moment as cannot pay anything !!!

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Gfours

Gfours

Posted
Posted
Thank you for that I will have a lool I do have a copy of the agreement what does that mean. Iam also being chased by Aktiv now for less money and offering a NEW DEAL. 2 days later another letter from Nationwide. All very confusing. Just not responding to any at the moment as cannot pay anything !!!

 

First thing is don't panic.

 

Have you paid more than 50% of the original finance agreement?

 

If you have and;

 

1) you are not in arrears

2) the vehicle is still in reasonable condition

 

Then contact Black Horse asking to set up a Voluntary Termination.

 

Regards,

 

G

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anney63

anney63

Posted
  • Author
Posted

I am in arrears and receiving letters from both Nationwide Collcetions and Aktiv. Nationwide are asking for £3k more that Aktiv even though letters withing a couple of days of each other. I was under the impression that Aktiv buy debts so all very confusing.

:|

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Gfours

Gfours

Posted
Posted
I am in arrears and receiving letters from both Nationwide Collcetions and Aktiv. Nationwide are asking for £3k more that Aktiv even though letters withing a couple of days of each other. I was under the impression that Aktiv buy debts so all very confusing.

:|

 

Anney,

 

I'll have to bow out through lake of knowledge and hopefully someone with more substantial knowledge can advise you in a more productive way than I could.

 

Kind regards,

 

G

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  • 9 months later...
anney63

anney63

Posted
  • Author
Posted

Would you guys mind taking a look at this please DCA are chasing this is the copy CCA I was sent when requested.

http://i671.photobucket.com/albums/vv79/anney63/img196.jpg[/img]

http://i671.photobucket.com/albums/vv79/anney63/img195.jpg[/img]

Appreciate any help Thank You

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