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    • retailer said they'd speak to dpd on Tuesday. I don't want to screw the retailer because they were doing me a favour by fixing it for free  I hope dpd will refund them so they don't lose out. Will keep you guys posted. 
    • Well, we live on the same road so it should be the same postcode. When I spoke to dpd and asked why were my neighbours' address not on the list and she said maybe they're not of the same postcode and I checked and they definitely were. Not to mention, delivery instructions are supposed to override actual customer's address which is why they asked for instructions I thought.
    • again a quick google search states Appeal a DVLA fine - GOV.UK (www.gov.uk) i would not be appealing mind. it's only a summary charge which they rarely do court on and pass out the powerless DCA's whom are not bailiffs they have 6mts. see where they go. as you've sorn'd it will probably be nulled. dx  
    • There are a number of reasons why you may not have been issued a notice in the post within 14 days. If you were stopped by the police it may have been given verbally. In the case of speeding offences, the police may issue you with a conditional offer of a fixed penalty of 3 points and £100.00 fine by post or an offer of a speed awareness course. If the offence is considered too serious for a speed awareness course or fixed penalty you may be charged with an offence which normally occurs by way of the issue of a Single Justice Procedure Notice. If the vehicle within which the alleged offence took place was registered to another person or company there is technically no need for a notice to be issued to the driver. After the police have obtained details of the nominated the driver, they will normally send the notice to them, although there are no time limits within which they must do so (provided that the notice was received within 14 days by the registered keeper of the vehicle). In such circumstances, a person may receive a notice several months after the alleged offence too place but still be prosecuted. A Guide to a Notice of Intended Prosecution | Motoring Offence Lawyers the above copy n paste link has purely been copy n pasted here to inform you of the regs, which you could have done yourself by, as this is, a google search......... we do not ever recommend using such offered webservices! dont dx    
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vanquis debt transfered to 1st credit help please


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i have a card wtith vanquis with a balance of £2800 . i had agreed payment of £71 per month with no interest added with vanquis of which i fell behind on two payments total £142 .i went to make a payment online on the31/10/11 but it said my account was blocked so i rang up and was told to contact 1st credit and gave me the number . next morning i rang vanquis back and said that i could pay £71 and another £71 on fri 4/11/11 and i was told i could keep making the payment to vanquis and to inform 1st credit that i was still paying vanquis. then i recieved a email and text from 1st credit saying they had taken over the account and to contact them .i phoned vanquis and asked again about the account and they said the person i rang at vanquis should have told me to contact 1st credit .i told them that £71 had been paid on 1/11/11 but they were not interested and told me i had to deal with 1st credit . on the same day ithen recieved another text from 1St credit saying if i paid withinin the first month i would get a 25% dicount taking the debt down to £2107 .i badly need advice on what to do next any help would be appreciated thanks

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i have not had any letter off vanquis stating that they have transfered my account to 1st credit the last letter i recieved was on the 23/10 11 which stated tha my arrears were £142 and that the letter was not a demand for immediate payment . i just got home and have recieved a letter form ist credit asking me to contact them or they could doorstep me to verify my adress and prepare a pre legal report and discuss repayment of the outstanding amount or they may conclude court proceedings are necessary to recover the debt

thanks again

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Until you receive a notice of assignment stating that 1st crud are dealing just carry on with Vanquis. Do not speak to 1st Crud on the telephone all contact should be in writing.

 

It may be worth reclaiming any unfair charges made by Vanquis, to do that you would need to send them a SAR which will cost £10. You will receive back copies of statements, credit agreement etc.

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thaks cerberusalert . does the letter i recieved from 1st crdit count as a notice of assignment or does the notice of asignment have to come from vanquis also if i try to reclaim charges off vanquis does the hold off any action 1st credit can take against me as i would be in dispute with vanquis

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does the letter i recieved from 1st crdit count as a notice of assignment or does the notice of asignment have to come from vanquis

It depends on how it's worded, but the easiest way to settle whether it has been assigned to them or not is to ask for a CCA which costs £1 http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter.

 

also if i try to reclaim charges off vanquis does the hold off any action 1st credit can take against me as i would be in dispute with vanquis
Yes you can dispute the amount owed.
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Wait until 1st Cruds contact you by normal mail & then send the CCA request. If the a/c has been assigned to them they will be able to get a copy of the agreement from Vanquis.

 

should i try to reclaim any charges

thanks

 

It depends on how much they have charged you really.

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on my credit report it's showing 2 x accounts with vanquis the original is showing settled then the other one which started in may which they transferred to when they agreed the 71 pound payments is showing one payment late I have the default notice but i can't access it till tomorrow thanks for your help it's much appreciated

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