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    • You typed it in? actually typed it all out? if so, maybe you took too long or something, like session timed out. Does the status show defence filed or no change?
    • Hi just typed all defence clicked next and it's deleted all. Any help
    • I forgot to say, there is one last possibility and that is that they will receive your letter of rejection and simply fold, accept the rejection and refund you. Don't wait too long for this. Seven days maximum – but in that seven days you could send your letter of claim anyway and when that you don't hear from them or when they start mucking around at least you are seven days closer to beginning the legal action – and they will know it (which is the important thing).
    • Okay that is excellent that you have an email between the garage and the warranty company confirming that there is a serious problem with the gearbox. That is very powerful evidence. I think the situation is this: you have sent them a letter of rejection but the reputation of big motoring world is that they won't take a lot of notice and they will try to prevaricate and maybe even blame you. Clearly you don't want the car any more and anyway it sounds as if the cost of repairs is going to be enormous. You don't know if the warranty company is going to step up to the mark but the whole thing is going to take a long time and I understand that you have lost confidence in big motoring world because of this event and also their reputation which you are now discovering on Facebook and on this forum and no doubt elsewhere. On the basis that you don't want the car any more and you want your money back, you need to hurry things along. I think the first thing is that you need to decide if you are prepared to bring a claim in the County Court. Even without the warranty money, the claim is worth more than £10,000. For actions less than £10,000, you bring a "small claim" and this means that even if you lose the case you won't be liable for the other side's costs. If you win the case then not only will you get your money plus interest but also you will recover all of the costs of the action. For actions more than £10,000, you go to something called the "fast track" and in the event that you lose the case, then you could be liable to reimburse the winner some of the costs. This means that in addition to not recovering your own money, you would lose your own court fees and also you would have to to bear the costs of the other side probably something less than £5000 – but as a rough guess. If you bring your court claim then your chances of success are almost 100%. Frankly if you brought a court claim then I can imagine that big motoring world will put their hands up and pay you out rather than face go to court and losing and getting a judgement against them. However, it you need to consider that this is a risk factor – although my view it is a negligible risk factor. If you did bring a court case, it wouldn't be instant. If they put their hands up then it would probably happen very quickly. If they didn't put their hands up then you could take anything up to a year for the matter to be resolved and during that time you would be without your car and without your money and in the middle of litigation. I'm explaining this to you say that you understand how it works. Bring a court case would be really the last resort when everything else has failed. However, I'm quite certain that you would win and it would be stupid of big motoring world to try to resist. In order to bring a court case you would have to send a letter of claim giving them 14 days to accept rejection and organise the refund otherwise you would begin the claim. Don't imagine that you could bluff this. If you did send a letter of claim then you would have to go through with it otherwise you lose all credibility and you might as well pack up and go home. So with this in mind, here are possible courses of action you could take. You can simply wait and see what their reaction to your letter of rejection will be. However they may not reply or else they may find some other reason to delay and of course during that time you will be without your car and without your money blah blah blah, not knowing if big motoring world were going eventually to start acting sensibly and respectfully towards you. The second thing you can do – and I think this has been suggested on Facebook – is that you can go along there and simply make yourself present and talk to other customers and generally speaking make a nuisance of yourself and embarrass them to the point where you would be explaining to other potential customers to be careful, to look on Facebook, and to do some careful research before they put their business to big motoring world. This has a reasonable chance of success although you would have to be careful. You should go accompanied by a friend and there should be no anger, no arguments, nothing that could be considered as being overly aggressive so that big motoring world would have no justification in kicking you out or even worse, calling the police. If you did this, then I would suggest that you record everything on the telephone carried in a pocket. A fully charged battery will probably keep a voice recorder and a telephone going for more than 20 hours or 30 hours. The other person can video any incidents so that everything is clear and you can inform big motoring world then it will be going up on the Internet. If you did this, my favourite option would be to issue the letter of claim giving them 14 days, and then going along to big motoring world with a copy of your letter of rejection and a copy of the exchange between the mechanic and the warranty company and a copy of your letter of claim – all settled together – and probably about 20 or 30 copies in all and I would start handing them out to any customers who came in. Big motoring world will soon get the picture and they will either move your the premises in which case you stand outside and carry on doing it or they will finally give in. Of course there is a chance that they won't give in and they will simply call your bluff – but in that case I think you have no choice other than to follow through with your 14 day threat in the letter of claim and to begin the legal action. At the same time you should be putting up reviews on Google and also trust pilot explaining exactly what has happened and also explaining that the mechanic has confirmed to the warranty company that there is the serious problem, that you have asserted the right to reject and that this is been ignored by big motoring world and that you have now sent a letter of claim and that you will be starting a legal action in 14 days. Once again, don't bluff about the legal action. If you threaten it – then you must mean it – and on day 15 you click of the claim. You don't need a solicitor for any of this. It's all fairly straightforward and of course we will help you all the way that it the decision is yours to make and I think you need to make it fairly quickly. I think the cost of starting an action for about £13,000 is 5% and then also if it goes to trial which I would say is almost impossible – there would be an additional fee. You would claim interest at 8%. A judge might award a lower figure but frankly if you can show that big motoring world is attempting to ride roughshod over your very clear statutory consumer rights, I can imagine that the judge will want to show displeasure by awarding the full 8% which is a pretty good rate – even though it's not compensation for the hassle and the distress you are going through. If you decide to get solicitor, then if you win the case, because it is over £10,000 you will recover some of your costs but you won't recover all of them. If the solicitor begins by having exchanges of letters then I doubt whether you will be up to recover the cost of those and you could easily find that you're chalking up 500 quid or even a thousand simply on initial exchanges of correspondence. Also you need to bear in mind that if after having exchanges with a solicitor, big motoring world cave in – then you definitely won't get those costs back because you won't have gone to court and therefore a judge will not have made the order for payment of those costs. I suggest very strongly that you avoid paying any money for a solicitor and that you do it yourself. It's not a big deal – although you will have to you react quickly to the help we offer on this forum. Also, an additional benefit is that you will learn a lot and you will gain confidence and eventually you will feel good about suing anybody else who gets in your way. Nothing not to like! If you do decide to instruct a solicitor then you must take control of the solicitor. Most of them prefer to sit in an office writing letters on the clock. If you do decide to instruct a solicitor then you must instruct the solicitor very firmly that they should send one letter of complaint giving seven days. A second letter – a letter of claim giving 14 days and that they must then begin the action. If you don't do this. If you don't take control then it will simply cost you money, you will be without your car even longer and of course without your money. The whole thing is a nightmare. I think I've laid out the options but please do ask questions. I hope you can see that this is the kind of advice that you won't be getting on Facebook. Nothing against Facebook. It's good as a meeting place and to make people realise that they aren't on their own – but after that the advice given is weak and confusing.  
    • What makes you say that?  I have no idea how I would go about that or why they would even entertain discussions now that they've won the Court case
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Aktiv Kapital-please help they are driving me mad


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Hi All

Is anyone able to advise? I had an Egg account some years ago that I fell into difficulty with and the account was passed to Fredrickson (Evil bunch) who I set a payment structure with to pay of the balance. This finished in July 2006. The last summer I received a letter from Aktiv Kapital demanding £137.00. I stupidly called them and they said it was a remaining balance from my Egg account.

Cut a long story short I sent them various e-mails saying I no longer owed anything on this account. All went quiet for few months while they were "Investigating". They then sent me a statement from Egg with the balance (Old statements, payment schedule)that was passed to Fredricksons. I never denied having an Egg account; I just was disputing the outstanding payment.

They then asked me for proof that I did not owe this balance, to which I replied that as far as I was concerned this was a closed matter 5 years ago and did not have any paperwork. They have continued to send me e-mails demanding payment so I sent the below as a response:

Dear Sirs

I write in reference to your demands to clear the above fore mentioned account. On several occasions I have requested evidence that this balance is still outstanding from Egg financial services to no avail.

I have received documentation to confirm I had an agreement with Egg, which I do not dispute, but I have not received the schedule of account which was requested. This would need to include a breakdown of the following information:

1. A balance of account when the account was passed to Fredrickson DCA.

2. A list of payments made along with dates

3. The outstanding payment, if any, listed

According to the Consumer Credit Act 1974 I am entitled to see this information before I make any payment. Your inability to provide this information thus far indicates to me that this information has been lost, and until it is found I see no reason why I should clear any outstanding balance, as I do not believe it is outstanding.

Failure to provide this information within the next working 14 days will prove my point that information does not exist and would ask for this matter to be closed. If you contact me seeking payment after this date you leave me with no option but to seek legal advice.

I look forward to hearing from you soon.

Yours faithfully,

I received another response via e-mail today from A ktiv totally disregarding the information I was asking and still asking me for proof that I do not owe them any money. I'm now at my wits end to how to respond. I wonder if they are clutching at straws?

Any advice would really be appreciated.

Thanks

Tom

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I think the clutching at straws, I suppose if you ignored them and didnt ring them you would have heard nothing but you have I would respond with same email but send from another email account and then never log back into or just log in once a month. or switch their address to spam folder. It is more of an irritant isnt it more than anything else.

I know my rights Mr DCA I'm with the CAG......hello hello where you gone Mr DCA8)

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Lets' go back to the beginning and turn this around.

 

Send them the 'prove it' Letter by Recorded Delivery, e-mail is ok but in this circumstance I would use snail mail.

 

The onus is on them to prove you owe the money and not for you to prove you owe anthing.

 

Put their e-mail address in your blocked/spam after one final reply informing them that you will no longer be communicating that way.

 

Golden Rule - never engage with them on the telephone, everything in writing only.

 

When did you make you absolute final payment?

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Thanks for you reply.

 

With "eye in sight" I shouldn't of reponded but I guess I was worried they'd log a default againest me. I'm still worried they will do that, I've just started to get on top of my credit file so I can get a remortage and do with out the aggrevation. These people are certainly the lowest of the low! Thanks Again:-)

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Have you checked your credit files, because there may well have been a default at the 'time of default' from the OC. If that is still showing then they must 'take over' that file and cannot default you again - you can only be defaulted once for each debt.

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Hi Harrassed Senior

 

I made the last payment via S/O in July 2006 and then cancelled the payment. Could you tell me how to get hold of the "Proveit" letter template.

 

Thank you for your help.

 

Tom

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Just as a laugh, just what these jokers responded with when asked for when asked for evidence that I still owe them

[ATTACH=CONFIG]27564[/ATTACH]

This is the e-mail corrospondence with the above attached

Dear.........,

I refer to your recent email regarding the above referenced account.

Please find attached a copy of the letter which was sent to you on 23rd February 2011. In order for us to investigate the matter, we do require appropriate evidence which supports your claim that the account has been paid in full.

I look forward to hearing from you by return.

Regards,

 

Emma Rose

Customer Services Department

Aktiv Kapital ( UK ) Ltd.

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LOL what a joke, why should you have to prove anything? Surely if they're chasing the debt they should be checking that it's, I dunno, a debt?

 

You know what Aerith, I have had these vultures circling for the past 8months and they still havn't been able to produce any evidence that I still owe them. I sent a "Prove It" letter last week and am still waiting for a responce. I'll be totally honest and say that I'm quite enjoying tormenting them, it's nice to have the upper hand on these O'rible people for once.

 

About 6 years ago now I was going through a terrible time and had DCA's tormenting me and made my life a living hell. They no longer worry me now I'm older and wiser and because I found the wonderful CAG forums! This place has certainly tought me that consumers have rights too and not just the DCA vermin!

 

:wink:

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Have you obtained their complaints procedure if not get it

and follow it make a formal complaint from which in the end you will get a

final response if it is unsatisfactory you can then go to FOS with it.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi there .tomlittley

 

If you are having problems with DCA's trying their luck and your patience and they have not responded in the required manner to any of your requests for Proof that you owe them anything..send them something like the letter below..Obviously change it to suit your own personal circumstances, you are not doing anything wrong, all you are doing is asking for the correct Information so you can ascertain if you are indeed liable for the debt or amount they are pestering you for..In the letter I used below, we are pointing out to them, that if they wish to remain within the guidelines that they were given and "MUST" follow if they want to keep their licence to trade, that they must stop pestering you for money until they prove to you, that you do indeed owe the amount the say you do..

If they are phoning you all the time tell them that you want your PRIVATE telephone number removing from their system and that you will only use written correspondence methods so you have available proof of what they are telling you.

Remind them that they could well be in contravention of the communications act by using the telephone as a means to cause harassment;

 

I have verbally requested these to stop, and that any and all correspondence with your company should be in writing only. But I am still receiving calls.

I now require the telephone number listed above to be completely removed from your system.

 

I am of the view that your continued calls are in breach of the Protection from Harassment Act 1997 and section 40 Administration of Justice Act 1970. If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading standards and the Office of Fair Trading, meaning that you may be liable to a substantial fine.

Take notice, that all calls from your company are being logged by time and date received.

 

Take control and don't be bullied by these belligerent nobodies, until they prove you have any debt at all with them, they have the same amount of authority over you as a Asda shelf stacker..NONE whatsoever. And even if they can prove you owe them something, they still cannot treat you in the way they are doing. Hold them to their own rules..

 

Please take notice that at this point I wish to point out to you the Office of Fair Trading Guidelines with regards to collection of any Alleged Debts…

The Office of Fair Trading (OFT) has a duty under the Consumer Credit Act 1974

To ensure that licences are only given to and retained by those who are fit to hold

them. The Act provides that the OFT take into account any circumstances which

appear to be relevant and in particular any evidence that an applicant, licensee, or

their employees, agents or business associates, past or present, have:

engaged in business practices appearing to us to be deceitful, oppressive or

otherwise unfair or improper (whether unlawful or not).

 

Communication

2.1 It is unfair to communicate, in whatever form, with consumers in an unclear,

inaccurate or misleading manner.

 

2.2 Examples of unfair practices are as follows:

e. failing to provide debtors or creditors with information on status

of debts, for example, not providing requested balance statements when

reasonably requested..

 

False representation of authority and or legal position.

2.3 Those contacting debtors must not be deceitful by misrepresenting their authority

and/or the correct legal position.

2.4 Examples of unfair practices are as follows:

b. falsely implying or stating that action can or will be taken when it legally

cannot, for example, referring to bankruptcy or sequestration proceedings

when the balance is too low to qualify for such proceedings or claiming a

right of entry when no court order to this effect has been granted.

h. ignoring and/or disregarding claims that debts have been settled or are

disputed and continuing to make unjustified demands for payment.

 

Deceptive and/or unfair methods

2.7 Dealings with debtors are not to be deceitful and/or unfair.

2.8 Examples of unfair practices are as follows:

c. refusing to deal with appointed or authorised third parties, such

as Citizens Advice Bureau, independent advice center’s or money

advisers.

d. contacting debtors directly and bypassing their appointed representatives.

i. failing to investigate and/or provide details as appropriate, when a debt is

queried or disputed, possibly resulting in debtors being wrongly pursued.

k. not ceasing collection activity whilst investigating a reasonably queried or

disputed debt.

 

Debt collection visits

2.11 Those visiting debtors must not act in an unclear or threatening manner.

2.12 Examples of unfair practices are:

d. entering a property uninvited

e. not leaving a property when asked to

f. visiting or threatening to visit debtors without prior agreement when the

debt is deadlocked or disputed.

 

2.12f: Visiting or threatening to visit debtors without prior agreement when the

debt is deadlocked or disputed.

By 'disputed' we mean genuinely disputed. We are not seeking to protect 'won’t pays' but

those who are being pursued for a debt they do not owe or genuinely believe they do not

owe. Debt collectors who can show that the debt is due and that any dispute has been

looked into and the debt confirmed will not be in breach of this provision.

Take care buddy and relax you are in good company here, there are many many very knowledgeable people here who will do their level best to help you out..;)

Kniggs. :D

 

ʎɐqǝ uo pɹɐoqʎǝʞ ɐ ʎnq ı ǝɯıʇ ʇsɐן ǝɥʇ sı sıɥʇ

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Tom

 

AK are just time wasters. With a relatives debt, they made the amount up that was owing and following a complaint it was passed back to the last DCA the debt was with and the debt reduced by a significant amount.

 

I suspect if you investigated this with EGG, you will find that either the amount is not owing at all or that the amount is so small that following a complaint, it will be waived. So you could start up a complaint with EGG using their complaints procedure and see what they come up with. It is unlikely that they will contact AK during the complaint, as they would just be looking at your account information on their own records. You don't have to mention AK in the EGG complaint, just that you have been contacted by a debt collection agency about a debt you know nothing about.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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Thanks Guys, all the information above is fantastic and a great help. I just wished I had found CAG 6 years ago.

I just worry for all those people who are pushed to the edge by these horrible people. (Lets hope that more people in dept find this fantastic resource)

 

Thanks for now I'll let you know how I get on.

 

Tom

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  • 2 weeks later...

Hi All

 

Just a quick up-date, Aktiva Kapital wrote to me today, they have decided not to pursue me for this dept as they have been unable to get hold of any supporting evidence.

 

Small victory; but a victory none the less. Just three more to sort now!

 

Thanks for all your help.

 

Tom

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