Jump to content

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Tiz Wurse Den Wonga... Mai Hert Iz Bruken       
    • Hi all, the company have just called me and offer me £500 to get myself a sat-nav...   So if admin team want to scratch this topic from the record, please feel free...   If not then thank you anyway 😃
    • use our search top right as you should be ... Lowell claimform   dx
    • Well I don't really want to go to court but I will go all the way no point in giving up now!!!
    • Hey everyone, I am hoping I can get some guidance with a car I recently purchased.   I have been looking around for a newer car and thought I would check out those internet car seller folks.   I found a car I liked and the description said it had all the things I wanted, so I paid the deposit, applied for finance, which I got, and opted for a PCP contract, paid my deposit and got my order confirmed. The car was delivered on Monday 1st June. First I must say that overall I am really very happy with the car, it is almost exactly what I wanted, I am delighted with the general condition, the way it drives and would not be too keen on letting it go if I have no need to do so.   So, the first thing, it was just under 700 miles over the quoted mileage, and I know that's not a lot. Still, that's not the point, the number is excessive, considering the place it came from is only about 200 miles from me. I have spoken to them about the mileage. They said it was a clerical error, which I do not believe, they have however agreed to refund me for 400 miles, which I decided to accept as I figured at least they have agreed to pay for just over half of the miles and did not want to be too unreasonable about it.   The second thing, and this is the one that is really the stumbling block. The cars headline said: 'FORD FIESTA HATCHBACK 1.0 EcoBoost 125 Titanium X Navigation 3dr'. Though the full advert is no longer visible, part of it still is, https://www.buyacar.co.uk/ford/fiesta/fiesta-hatchback/1-0-ecoboost-125-titanium-x-navigation-3dr-73955 and this is the car I bought.   So after checking it over upon delivery, and going around it with the delivery chap, all looked fine, and I decided a little drive was in order.   So off I went to put some fuel in, and while at the fuel station figured I would check out the sat-nav and this is where the problem is, there is no sat-nav. I checked the book, there is no slot for the navigation sd card, no button to turn on the nav, aka, no nav, none.   So I emailed them, and the response I got was: 'Thank you for your email, and I am sorry to hear you are not fully happy with your new purchase. This vehicle was not advertised with Sat Nav, so I am unsure where you feel you read the description you have provided?' ... ... 'In regards to the description of the vehicle, I have checked this on the order form, and the finance documents that were both sent to you and signed and the description of the vehicles reads as FORD FIESTA 1.0 TITANIUM X 3d 124 BHP hatchback.'   So I have pointed out the fact that there was not only a headline stating that the car was Navigation version but further, down the page, there was also a mention of it.   I also said to them, despite me signing said documents, I felt no need to recheck it because the wording navigation appeared several times in the advert which was enough for me to accept it was a version with navigation.   I also said, the order form nor the finance documents also make no mention of other stuff either like climate control, automatic folding mirrors, infact they do no mention any features, only that it is a FORD FIESTA 1.0 TITANIUM X 3d 124 BHP hatchback, so I have refused to accept this as an excuse and an attempt to lay the blame for this mistake at my feet. I honestly thought I was purchasing a car with sat-nav, based on the information provided by them.   I am awaiting a call from them but they have so far today failed to get in touch so figure I would use this waiting time to ask some of the more experienced members about their thoughts on where I stand with this.   Am I in a position for example to ask that they fit sat-nav? If they ask for the car back and put me in a position with no car again how does this work out? Am I flogging a dead horse?   Any advice please would be very much appreciate.   Thanks all.
  • Our picks

Vistaro

NatWest 15 year old debt advice

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3355 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi Folks

 

I was wondering if anyone can help / give advice

 

In 1996 I got myself into loads of debt problems with a business I was running with my late Father, end result was that NatWest got a County Court Judgement against me (but not may late Father) for approx. £65,000 and I agreed to pay £60 per month which I have done for the last 15 years or so, never missed a payment. I’ve not heard from them for about 4-5 years when I received a letter (forwarded from a previous address) from them asking for an increased payment, I spoke to them and we agreed to carry on with payments at the same level. I have notified them of changed addresses (1999/2000) and now spend most of my time out of the country they have never acknowledged my letters about the change of address. I have today received a letter (forwarded to me from a previous address) from a DCA saying I owe NatWest about twice the amount and that I should make contact immediately to pay it off or they will explore all further options etc;

 

Any advice on how to proceed and what to say when I call them would be appreciated

Thanks

Share this post


Link to post
Share on other sites

Do it all in writing. Don't phone. Ask them what they want and also for a statement outlining the entire financial position


Share this post


Link to post
Share on other sites

The simple answer to this is the Court order stands. If Natwest want to get an increased payment, they would have to apply to the Court.

 

Tell the DCA to pi$$ off as they have no power whatsoever and you will not respond to them at all.

 

Did the Court order suspend interest?

 

Jogs

Share this post


Link to post
Share on other sites

Where has the thread been moved to, I can't find it.

 

Thanks

Share this post


Link to post
Share on other sites

You are in the moved thread now.

Share this post


Link to post
Share on other sites

From The Limitation Act 1980

 

 

 

Miscellaneous and supplemental

 

24 Time limit for actions to enforce judgments.E+W

 

(1)An action shall not be brought upon any judgment after the expiration of six years from the date on which the judgment became enforceable.

(2)No arrears of interest in respect of any judgment debt shall be recovered after the expiration of six years from the date on which the interest became due.


As of 03/03/12 please do not under any circumstances wait for my further input or guidance on any current thread or defence of a court claim I might have been involved in on or through Cag.

Jasper1965

Share this post


Link to post
Share on other sites

Does this apply though, if payments have been maintained?


Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

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.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

Share this post


Link to post
Share on other sites

Hi, Payments have been maintained, NatWest just lost contact with me (even though I told them of address changes) so I believ it doesn't apply.

 

Looking at other threads it seems I should be asking them for

 

1) A Proof of debt

2) Making a SARs request

3) Asking them (or NatWest) to confirm the DCA is acting for Nat West

 

Does anyone agree / disagree?

 

My problem is that at the current level of payment this will never go away, I considered going bankrupt at the time but was persuaded not to, how do I get this sorted out givcen I can't afford to pay it back?

 

Any help or guidance much appreciated

Share this post


Link to post
Share on other sites
Hi, Payments have been maintained, NatWest just lost contact with me (even though I told them of address changes) so I believ it doesn't apply.

 

Looking at other threads it seems I should be asking them for

 

1) A Proof of debt (Too late, you have the Judgement against you)

2) Making a SARs request (This will only help if you are trying to get the Judgement lifted)

3) Asking them (or NatWest) to confirm the DCA is acting for Nat West (Not really neccessary as I posted earlier, the DCA can Pi$$ off as they can't do a single thing)

 

Does anyone agree / disagree?

 

My problem is that at the current level of payment this will never go away, I considered going bankrupt at the time but was persuaded not to, how do I get this sorted out givcen I can't afford to pay it back?

 

Any help or guidance much appreciated

 

 

 

Did the order ALLOW interest on the debt?

 

You may want to send the SAR if there are charges you may want to reclaim.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...