Jump to content


  • Tweets

  • Posts

    • You haven't returned to the thread to give us your views, but a couple of other things strike me which you should consider: 1. You say that at no time was your father's licence revoked by the DVLA. It didn't have to be revoked. It expired in September and his "entitlement to drive" (of which the licence provides proof) expired along with it. He could only continue driving whilst his application was being processed by virtue of s88, and it seems clear to me (based on what you have said) that he was not able to take advantage of the benefits provided by that section. 2. The letter he received threatening to revoke his licence was probably a template letter sent when any medical issues are brought to the attention of the DVLA. But it is clear that beyond September until it was eventually renewed, your father had no valid licence to be revoked. I believe a "not guilty" plea in court will fail. The basic facts are that your father's licence expired in September, it was not renewed until February because the DVLA were looking into his medical declaration and he could not take advantage of s88. So in December he had no licence and no entitlement to drive under s88. The facts that he believed he was fit to drive and that his licence was eventually renewed may mitigate the offence but they do not provide a defence. I also asked whether he had received a summons (very unusual these days) or whether he had received a "Single Justice Procedure Notice". The way to proceed from here differs slightly depending on what he has received so if you let me know, I'll advise further.  
    • Well, what I've read from various sources suggest if a CCJ is 6 years old that if becomes pretty much ineffective for enforcement purposes in its original form.  And that if it's about to expire then the claimant needs to apply to the court to extend the original CCJ within the final year.  Even if they do apply for an extension within the 6 years they have to have a very strong argument for doing so such as the person being out of the country or could not be traced, basically show they were actively still perusing the debt I guess. Now if a claimant ever does apply within the 6 years to extend the CCJ, would the person named on if be notified by the court that such an application has been made?.  In my case I've heard nothing from the court so assume no such application has been made.  The original CCJ in my own case is now a year beyond the 6 years of issue so must now make things even less likely again. So whilst the CCJ exists that they have not enforced it in that time must surely make it unlikely they can now take it back to court because as said it would be very rare for a judge to agree to such action now. That said, I guess they now can't use the CCJ to continue with any action for an attachment order to our mortgage either?
    • Donald Trump now banned from countries including Canada and UK as convicted felon WWW.INDEPENDENT.CO.UK There are 37 countries that bar felons from entering, even to visit.  
    • Well, they trashed their last election manifesto pledges, so nothing new really is it? They just find weasel words to try to claim they haven't actually failed if you just look at it just a little squinted and in this particular way  - and are stupid.
    • I think they're inventing stuff now. They seem to know they won't be around to implement any of it.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      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.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like
  • Recommended Topics

Shop direct finance


mrsfedup
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4610 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

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

Recommended Posts

There's a couple of questions I need to ask regarding catalogue debt.

 

Up until the end of May I was paying the agreed £50 per month on a debt which now stands at £541.85, however I must add that £48 of this amount is from charges.

 

The account had been refererred to a collection agency NDR money and this was the company I was paying £50 per month to.

 

I recently wrote to the company in advance to let them know that my situation had changed and that I would need to reduce my payments,

I also emailed my letters to them as well as sending my post..

 

The first instance of my contacting them was 17th of June 2011, this was ignored

I explained that I was waiting for JSA to be set up and paid into my account thus enabling me to make payments.

In spite of this I have received threatening letters and had charges put onto my account.

What I would like to know is can I claim these charges back, as I did make them aware of my situation?

 

In addition, last year I requested a CCA from this compnay, who stated that they "couldn't locate it", but argue that the statement of account is sufficient etc.

I have every intention of paying this account but I am most annoyed at their clumsy way of dealing with my account.

 

As you can imagine I have written several letters in the last few weeks in answer to their " you have made a payment" letters.All to no effect so far. I have written a formal complaint because I am sick to death of their unreasonable attitude, I have sent proof of income , proff of JSA and my previous letters in my complaint- again. They said they would resond by 13th September 2011.

The matter becomes further complicated as I tried recently to make a payment through the NDR website to be told that the compnay are no longer dealing with my account - I have received no notification of this and since it was unclear as to whom I'm supposed to pay - i.e. statements come through from NDR, and statements online from the catalogue company I requested clarification but - no answer.

I have decided to just pay £20 to NDR by cheque regardless, as they are messing me about and at least this way I will be making a token payment, which they can't argue with.

Any advice would be much appreciated- Thank you.

Link to post
Share on other sites

You are being more than reasonable with this Mrs Fedup, you would have been quite entitled to stop paying them due to the lack of agreement and the charges that have been added.

 

Think it would now be a good idea to send a Subject Access Request for which you will find a template in the Debt Collection Library.

 

Send £10 postal order and do not sign, this should go to the original creditor.

 

They may well have passed you on to a new DCA and your cheque could be lining the pockets of a call centre monkey so stop trying to pay until you feel they are playing fair with you.

Link to post
Share on other sites

Mrs FedUp, I totally feel your pain and annoyance with these numpties! My mother has an account and have had umpteen rows with them about payment dates as she pays this off with her pension. Now mother has got behind again and they just keep adding all these late and default fees. She's 75yrs old and no matter how much you try to stay calm and be reasonable it just gets too much.

 

For the past 2 weeks they have called incessantly and when I answered one day and pulled them up on this (that particularly fine day they had called 10 times!) The cheeky mare said "but we haven't actually spoken to her 10 times! Give me strength!

 

So now I'm gonna SAR them and I will be claiming back all those charges. I personally wouldn't pay them anything until you know exactly who is getting the money!

 

Best

 

Coffee

Link to post
Share on other sites

Mrs FedUp, I totally feel your pain and annoyance with these numpties! My mother has an account and have had umpteen rows with them about payment dates as she pays this off with her pension. Now mother has got behind again and they just keep adding all these late and default fees. She's 75yrs old and no matter how much you try to stay calm and be reasonable it just gets too much.

 

For the past 2 weeks they have called incessantly and when I answered one day and pulled them up on this (that particularly fine day they had called 10 times!) The cheeky mare said "but we haven't actually spoken to her 10 times! Give me strength!

 

So now I'm gonna SAR them and I will be claiming back all those charges. I personally wouldn't pay them anything until you know exactly who is getting the money!

 

Best

 

Coffee

 

Well done coffeeangel, don't forget you can also send them the harassment letter from the library and tell your Mum to say "in writing only" and put the phone down.

Link to post
Share on other sites

if they haven't supplied an agreement they are not entitled to enforce the agreement full stop,if the account was pre apr 07 then its covered by the 1974 act and it may well be that they never had a signed agreement in the first place.

 

if you have never signed an agreement just refer them to s78 of the consumer act and their responsibilities under it.recently from reading they are trying to bluff their way out rather then writing off the debt and confirming this by letter where no agreement exists.

Link to post
Share on other sites

  • 1 month later...

Hi

I must confess i'm confused with this account. I'm really not sure where I stand now this has been going on for too long. They told me I would receive an answer to my complaint by 13th September 2011- I'm still waiting for a response.

They stated in writing that they had 'lost' - yes LOST by credit agreement but argued that the stsement of account is enough to enforce my paying them. Don't get me wrong I have every intention of paying my debt but this situation is ridiculous.

 

I checked my account today online and found that my access to this account had been stopped. When I wrote to them I informed that I would be paying £20 per month - now alothough they stated that 'NDR' whom they handed my account to is no longer dealing with my account - they were not slow in cashing my cheque. No I don't know what to do, I've half a mind to write to them again demanding clarification of the handling of my account, and stopping making further payments until they clarify it. I am FUMING.

Any advice greatly appreciated.

Thank you

Link to post
Share on other sites

Hi

I must confess i'm confused with this account. I'm really not sure where I stand now this has been going on for too long. They told me I would receive an answer to my complaint by 13th September 2011- I'm still waiting for a response.

They stated in writing that they had 'lost' - yes LOST by credit agreement but argued that the stsement of account is enough to enforce my paying them. Don't get me wrong I have every intention of paying my debt but this situation is ridiculous.

 

I checked my account today online and found that my access to this account had been stopped. When I wrote to them I informed that I would be paying £20 per month - now alothough they stated that 'NDR' whom they handed my account to is no longer dealing with my account - they were not slow in cashing my cheque. No I don't know what to do, I've half a mind to write to them again demanding clarification of the handling of my account, and stopping making further payments until they clarify it. I am FUMING.

Any advice greatly appreciated.

Thank you

 

Don't waste your time writing to them Mrs Fedup, they have had plenty of time to deal with this, you have their letter as proof that they have 'misplaced' your agreement, its not enough to have the statements if the "agreement" was pre 2007 as seen this before rightly states, if you haven't already sent them the SAR then do this now, they have forty calendar days in which to reply, if not advise the Information Commissioner. Just think of it this way that their unreasonable behaviour now will stand you in good stead if they ever take this to court. The more you take control of this, the more empowered you will feel.

Link to post
Share on other sites

  • 2 weeks later...

I'd like to update.

 

I sent a letter weeks ago basically demanding that they refund charges applied to my account that they had pushed up to £541.84!!!!!

My online account had been suspended and I could not have access to it.

 

However, I have had several phone calls which I have ignored asking me to phone them to "discuss" my account which I will not do because I simply do not trust them.

 

Furthermore,I was about to SAR them and I checked yesterday just to see if I could access my online account and I could AND charges had been refunded!

They credited £180, and then a further £48 the following day and also my payment of £20 -Making my balance £293.84! Thats the good news..now for the not so good news.

 

As my previous posts indicate I have done evrything in my power to explain my situation but it falls on deaf ears

- they decided that they want the payment of £293.84 in TOTAL by the end of the month!!!!!!:mad2:.

 

How many times do these people have to be told?!

I've written AGAIN and explained AGAIN that my payments of £20 per month will continue.

 

- Any advice please, am I doing the right thing? I really don't know anymore.

Link to post
Share on other sites

If its a pre 2007 "agreement" they have mislaid then they are not entitled to enforce this but if you feel happier paying them back what they say is owed then continue paying the £20, they'd be pretty silly trying further harassment when you have been so reasonable.

Link to post
Share on other sites

Thanks

I'll have to check for the agreement start date. Why are they not allowed to enforce it if its pre 2007?

I appreciate your advice as this problem is getting me down.

 

Wah! only a cold is allowed to get you down like mine at the moment. Because they can get away with a reconstructed agreement post 2007, back shortly with a link if I can find it.

Link to post
Share on other sites

  • 2 weeks later...

this is a catalogue debt

it is very very low priority

 

NDR are their own internal DCA

 

NO DCA has any LEGAL POWERS to do anything to you.

 

ignore all the phonecalls and letters

 

simply write to them and TELL THEM

they will be getting £XX for XX mts until your situation resolves itself

indicate that if they continue to add unlawful 'penalty fees'

that you will reduce payment to £1PCM forthwith.

 

dont spend heeps of time on this

it very low priority

 

as for the 'its unenforceable thing.'

 

how old it the A/C and when was YOUR last purchase?

it would be silly to start denying the debt because because of a 'paperwork error'

 

and i dont think this is your objective 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... 

Link to post
Share on other sites

also i hope they refunded the interest these charges cost you too, rather than just refunding the charges alone

 

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...