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    • Thank you for taking your time and helping me on this. Would you recommend I also send a letter tomorrow to both BMW and Motonovo?
    • she and  johnson need to be kicked off the taxpayers credit card - for starters I'm certain there is cause - taking up 'jobs' when they shouldn't, bringing the nation into disrepute with their antics .. I'm sure it would be a very popular act from a new labour guv
    • Please have a look at this draft letter. It is modelled on yours but I have cut out a load of the unnecessary information. Also, the responsibility lies with the finance company because the vehicle was brought on hire purchase. You send it to them and a copy to big motoring world.   Let us know if there's anything that you disagree with, which is wrong, which you think should be added
    • According to Alastair Campbell on Twitter, anti-Le Pen parties are pointing to RN's fiscal policies and saying they'll cause a 'Truss-style market meltdown'. Liz Truss charged taxpayers for Amazon Prime subscription - Mirror Online WWW.MIRROR.CO.UK The subscription costing £95 gives the ex-PM free shipping from the retail giant, as well as the ability to stream films and TV shows such as My Fault...  
    • Thank-you @BankFodder, your statement is a correct understanding of my position and I agree, it is actually really what I was looking for in starting this thread, as I too believed that the maximum I could claim for is that which I sold it for, even though this was substantially below market value at the time. And so, this sold value is what I shall be claiming for + the other expenses. @dx100uk I get your point, but this is just not what I want to expose myself to. Unfortunately I was one of the unlucky ones to have my details stolen in the Peoples Energy hack, and in 2020 I discovered that those details had been used to take out car insurance, and that the insured was then involved in a collision and my details were dragged through the mud. Despite Aviva cancelling the claim and treating as though it never were, even though I have the letters from them to say that they have removed this claim from the insurance database, I still get refused insurance and credit products to this day until I send across the letter from Aviva which explains that I was a victim of fraud. So you'll forgive me for not jumping up and uploading my data to a server utility for which I have no control over its retention policy, or where the server is located globally, its legal jurisdiction, or its security protocols.
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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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please help, nearly statute barred recieved first letter in 5 years


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hi, please could someone give me advice

 

i have received a letter from buchanan clark &wells about a loan i thought was long gone.

 

originally i had a loan with hsbc but after trying to claim back my bank charges they closed my account.

 

i asked them how i can repay my loan they said it had been sold on but couldn't tell me who to.

 

5 and a half years have passed since i last made a payment and hadn't had any requests for payment.

was really looking forward to 6 year point

but now i have received 2 letters

1 asking if this is my address (i have moved home) and another requesting payment.

i haven't made any contact.

 

my 6 year point is october

but i move abroad in april so they wont find me.

 

any advice would be appreciated im worried that while im away they will obain a ccj.

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hi, please could someone give me advice

 

i have recieved a letter from buchanan clark &wells about a loan i thought was long gone. originally i had a loan with hsbc but after trying to claim back my bank charges they closed my account. i asked them how i can repay my loan they said it had been sold on but couldn't tell me who to. 5 and a half years have passed since i last made a payment and hadn't had any requests for payment. was really looking forward to 6 year point but now i have recieved 2 letters 1 asking if this is my address (i have moved home) and another requesting payment. i haven't made any contact. my 6 year point is october but i move abroad in april so they wont find me.

 

any advice would be appreciated im worried that while im away they will obain a ccj.

Hi Happy New Year and Welcome to CAG..

I would check your credit reference files before taking

any action, then you can be sure of all the dates.

It seems that you are getting all mail forwarded to your

new address correct??

Once you get your credit report then I would send

the ''prove it'' letter from the CAG library as from what

you you have not received a notice of assignment

of the debt to BCW regarding the transfer from HSBC.

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Are you permanently resident abroad now

if so I will move your thread to the overseas

forum?

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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The OPs account it seems has been

totally dormant for 5 1/2 years.

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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ignore!!

 

what they gonna do

send a SD to outer mongolia

 

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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hi happy new year and thanks for your response

 

i got my report about a year ago the date of default was a month after my last payment, im still in england at the moment but i am moving in april its only untill start of 2013 but should be safe by then. BCW letter says they have been asked on behalf of Activ kapital. i moved not long after my last payment i have lived here for nearly 5 years and this is the first contact. do you think i should send the prove it letter now or wait for more letters and stall for time? can they obtain a ccj without giving me a writen warning first?

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No CCJ without warning but it seems far

from this at the moment, check those credit

files asap, do nothing until you get them.

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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You say 5 1/2 years since last payment. Have you claimed charges since then as that would also be seen as acknowledging the debt and would extend the SB date.

 

Is that correct? Not doubting you but I would have thought reclaiming charges would be a separate issue as you’re not acknowledging any outstanding amount only reclaiming back the unlawful amount that should never have been applied in the first place.

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It's a technicallity if you ''ASKED''

for information on reclaiming charges

and that is all no restart.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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i got my report today and it has really confused me, it says i only have 3 accounts all with the same company 2 of which are setteled. this is true but i have a lot more thats not on, there are at least 4 or 5 defaults this is saying no defaults, i went through callcreditcheck with creditscorematters.com. will experian and all the others be exactly the same as this?

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will experian and all the others be exactly the same as this?

 

Don't think so, I'd check them all, well the major one's.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Im thinking I should just ignoring them, i've been reading other peoples threads and from what I understand these companies buy old debts and write in hope of a response, and if you ignore their letters they sell it on again. Is that right? I only need to hold them off till april.

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I find personally that Callcredit is wrong more

time than right, and out of date.

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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Im thinking I should just ignoring them, i've been reading other peoples threads and from what I understand these companies buy old debts and write in hope of a response, and if you ignore their letters they sell it on again. Is that right? I only need to hold them off till april.

 

yep phishing list

 

ignore

 

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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I'll agree with you, Brig.

 

Out of curiosity, and for no other reason, I sent for my files from Experian, Equifax, and Call Credit, over the Christmas and New Year period.

 

I've never seen a credit file before, and I knew in advance that there wouldn't be anything on them, except for my personal data.

 

That proved to be true, except that Call Credit have listed my 5 bank accounts, [i have six], and they have included the last four digits of the plastic cards that, supposedly, go with them.

 

Only one of the cards has a number that I recognise - the rest are meaningless rubbish - they aren't even old card numbers, that have been replaced.

 

Which does make me wonder, how many other peoples' files are innacurate?

All of these are on behalf of a friend.. Cabot - [There's no CCA!]

CapQuest - [There's no CCA!]

Barclays - Zinc, [There's no CCA!]

Robinson Way - Written off!

NatWest - Written off!

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Hi, Professionally and personally I don't use Call Credit,

Experian and Equifax are fine most Equifax has be a excellent,

Experian as mid level good, same info???????

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

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Yes basically they will be out to get all they

can, and wont like be challenged but so what,

they have to do these things properly.

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Interesting as I wonder if this was ever properly assigned?

 

If you account was closed (your bank had a 'flounce' because you asked for charges) then I'll bet they did not follow through correctly, not only that but the effectively cut themselves off from receiving payment and sold it illegally! :wink:

 

I'd send the 'prove it' letter then a CCA the the DCA and SAR to the bank, then you will know what they have as ammunition, normally I do this as slow as possible as the SB clock is running, but as your moving why take the risk....

Andrew

 

Escaped the DCA nightmare, now helping others start businesses

www.ukleakdetection.co.uk

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im worried that after i have moved they will get a ccj against me and i would know nothing till its too late. do you think i should phone them just before i move saying im sick of getting these letters i dont know this person he doesn't live here. no known address no ccj.

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Never, Never phone these people, they will

try to spoof you into giving more info than

you originally intended to give.

Get your post sent else where if you can.

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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Interesting as I wonder if this was ever properly assigned?

 

If you account was closed (your bank had a 'flounce' because you asked for charges) then I'll bet they did not follow through correctly, not only that but the effectively cut themselves off from receiving payment and sold it illegally! :wink:

 

I'd send the 'prove it' letter then a CCA the the DCA and SAR to the bank, then you will know what they have as ammunition, normally I do this as slow as possible as the SB clock is running, but as your moving why take the risk....

 

 

that word keeps cropping up again

 

there is nothing illegal about it its not a criminal.........

 

unlawful maybe...

 

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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