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    • What's your intent, or interest? I can't see that you have any cause of action regarding bills issued by one third party to another third party. Is the idea to use this as a lever "I'll denounce you to HMRC unless you do blah blah .." That might in fact have no teeth anyway, HMRC will aware of the company's turnover via their other tax affairs.  As a matter of fact a company buying VAT rated supplies and selling to VAT registered customers is actually worse off if not VAT registered themselves. Has your court case reached it's conclusion yet?
    • Hello, welcome to CAG.  I expect people will be along to advise later. We aren't here to mock, this is a serious forum. If you feel you're being picked on  report the relevant post to the site team.  Best, HB
    • no that is not a defence. because you don't have a photo
    • I purchased the vehicle using finance through motonovo under a HP 60 months agreement. I have now amended the document ensuring all is in black. Unfortunately, this email has now been sent. However, I have not sent a letter to big motoring world. Also, I have taken the section of the firealarm issue. I am struggling to convert to PDF. I am not tech savy at all. My mistake was that the the salesman was very fussy on a sale. We went down a quiet road for a little test drive and not for a lengthy road test. The water issue was not present at this moment of time. However, it only became prevalent after driving away, after all docs signed. I did stated to Audi I wanted a diagnostic report. However, they carried out an Audicam which is footage of the issue. Audi have diagnosed the issue as a common issue where coupes/cabriolets accumulate water in the seals. However, I did state beforehand for no issue to be rectified due to me wanting to reject the vehicle. I am awaiting a report from Audi through email from the branch manager in relation to the issue. The issue so far is the water still being present in the sills. Audi tried to fix the issue however the problem is still prevalent. Regards 
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    • 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
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woops - they spoofed you into paying a non existant CCJ

they've had you as a cash cow.

 

it matters not if there WAS a CCJ, and its dropped off

[which i very very much doubt]

as it would say that the CCJ is satisfied and reset the SB clock with it. and it would be showing.

 

so NO there never was a ccj .

 

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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Sorry it wasn't a phone call, I did get some paperwork but I'm now not sure if it was genuine, I may have destroyed the documents as I never wanted my partner to find them. Or I may have stashed them somewhere but I haven't had a chance to look as my partner is always at home following an operation on his leg, but he'll bo out later for a while and I can have a good search to see if I kept the CCJ stuff.

 

Very worried now though that Turnbulls are doing exactly the same as they started doing this time last year in trying to claim a smaller amount of £225 as "arrears". This si what they did last year and got £320 out of me. It was mentioned earlier on here that they may have done a "split claim" last year, and now it seems as though they are going after a smaller amount again. So it looks as though every now and then, they pick an amount of thin air and tell me it is "arrears" and this is where they will prob go down the CCJ route again. So in effect they ARE splitting my debt up into segments and going for smaller amounts...

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I agree, I doubt there was ever a CCJ, surely something would be recorded somewhere, as you say, it would have shown that is was "satisfied", yes I have been duped.

 

Surely they've shot themselves in the foot, they should KNOW if they had a CCJ and can't go down the same route again. So if they ARE doing the same thing again, then there never was a CCJ. I'm so angry.

 

And I don't get how the account can have arrears, as you say it's ALL arrears! Think I'm going mad!

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Postman has just been, now have a letter from Turnbull Rutherford, but the balnace has changed from approx £4,300 to £3,100! So HFO have said they have stopped proceedings until they get the CCA, but now the account has been passed back to Turnbull Rutherford? TR are saying th account is in arrears by £225, this is exactly what they did a year ago and said they had got the CCJ for the arrears amount, approx £320, which I paid. So am I right in thinking they are trying ANOTHER split claim? I though they couldn't do this...

And how can HFO send the account to TR when it is supposed to in dispute, ie. I'm waiting for a copy of the original CCA?

 

Confused ...

 

So the acount has dropped by over a Grand?

 

Report the difference to the OFT - very important - it is their standard practice to do this and it's not legal. Why the drop? or was they just trying to rip you off again in the first place.

 

here is a similar one.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?255832-Reminder-Notice-of-assignment/page9

 

Please report that to the OFT

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right resume.......

 

the debt has been sold by welcome

and brought by HFO [as they now show on the cra file]

 

pers i think you need to fire off the a/c in dispute letter to HFO

 

and fire off an SAR to welcome

 

lets have the complete debt history

 

i bet there are heaps of charges letter/phone/cat died/bounced DD etc

 

and it will have PPI too to reclaim

 

i bet you dont owe a penny they owe you.

 

pers i would totally ignore HFO/TB in all forms

till we get the SAR back from welcome

 

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...

Arrrrggghhh...didn't receive an alert about the last posting, sorry!

 

Quick update, I had a look on my CRF and the outstanding amount is just under £3000. NOT over £4k as stated by HFO!

 

Now I don't know what this bit is all about. I registered with Equifax to check my CRF and credit rating etc, and this is the only bad thing holding my credit rating down. This morning I got an alert from Equifax saying my CRF had changed. I looked online to find my Equifax report saying " HFO credit account deleted"!!

It is still showing on my CRF though and I have emailed Equifax for further advice on this to see if it will actually be deleted.

 

CAN they just delete details from my CRF? Surely even if they put an "end date" or something, it will be on there for 6 years. Donly get me wrong, I'd be very happy if this happened but can't see it some how.

 

Has anyone ever heard of this? Even more confused...

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At last, I have had the chance this evening to go through my paperwork and I have found the supposed CCJ with the court claim number on it. Should I ring the court and see if it is genuine?

I had torn the document into 4 pieces as I didn't want my partner to find it, that's why it took me a while1

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Arrrrggghhh...didn't receive an alert about the last posting, sorry!

 

Quick update, I had a look on my CRF and the outstanding amount is just under £3000. NOT over £4k as stated by HFO!

 

Now I don't know what this bit is all about. I registered with Equifax to check my CRF and credit rating etc, and this is the only bad thing holding my credit rating down. This morning I got an alert from Equifax saying my CRF had changed. I looked online to find my Equifax report saying " HFO credit account deleted"!!

It is still showing on my CRF though and I have emailed Equifax for further advice on this to see if it will actually be deleted.

 

CAN they just delete details from my CRF? Surely even if they put an "end date" or something, it will be on there for 6 years. Donly get me wrong, I'd be very happy if this happened but can't see it some how.

 

Has anyone ever heard of this? Even more confused...

 

no its prob fallen of

i doubt HFO have done it [though they can if they like]

 

you keep forgetting that it matters not what

letters anyone sends [unless its a claim form or an CCJ itself][

the SB clock start ticking from YOUR last financial transaction

NOTHING can reset that ticking clock!!bar as above

 

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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Share on other sites

At last, I have had the chance this evening to go through my paperwork and I have found the supposed CCJ with the court claim number on it. Should I ring the court and see if it is genuine?

I had torn the document into 4 pieces as I didn't want my partner to find it, that's why it took me a while1

 

Can you scan and upload this document ?

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I'll need to sellotape it together first! i'll try and scan it when other half isn't here!

 

Should I ring the court on Monday to see if the case number was ever registered to see if it is genuine?

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Thanks Broken arrow, I did actually check with Trust online and they said there was nothing registered. Also checked my CRF file and there is no CCJ showing. Rutherfords told me that if I paid the "arrears" within 28 days, they would have the CCJ removed. Surely, even it was ever there and then removed as they said, it would still be on my CRF that it was there, and then removed?

 

Glad I have found the document that says they have registered a CCJ against me, when they probably haven't. This document looks like a court document. I used to work in housing and I've seen a few, it looked real enough, except for the Court stamp, it wasn't stamped from an ink pad, looks more like it was printed. Shame I tore it into 4 pieces amd I now have to sellotape it back together!

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I'll need to sellotape it together first! i'll try and scan it when other half isn't here!

 

Should I ring the court on Monday to see if the case number was ever registered to see if it is genuine?

 

I would still ring the court if you have the 'Claim Number' - see what they have to say about it!

Please support CAG and they will support you.

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yes very much so!

 

i'd seriously start making noises about forged documents too!

 

very serious if they have done it

 

seek compensation too!

 

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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Share on other sites

Since my last post, I have also found the "claim form" they sent me, looks real enough to me but then I've never seen one before,

I'll ring the court as soon as I get the chance to see what they say and I'll let you know. I'll definitely go to OFT when I have a clearer picture of what HFO may have done.

 

I'm just sorry I tore it up. At least it's only in 4 bits and I did manage to find it at last! Will scan it as soon as I get the chance.

 

Thanks again for all your support, it's really making a difference.

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