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    • I've inserted their poc re:your.. 1 ..they did send 2 paploc's  3. neither the agreement nor default is mentioned in their 2.        
    • Hi Guys, i read a fair few threads and saw a lot of similar templates being used. i liked this one below and although i could elaborate on certain things (they ignored my CCA and sent 2 PAPs etc etc) , am i right in that at this stage keep it short? If thats the case i cant see what i need to add/change about this one   1)   the defendant entered into a consumer credit act 1974 regulated agreements vanquis under account reference xxxxxxx 2)   The defendant failed to maintain the required payment, arrears began to accrue 3)   The agreement was later assigned to the claimant on 29 September 2017 and notice given to the defendant 4)   Despite repeated requests for payment, the sum of 2247.91 remains due outstanding And the claimant claims a)The said sum of £2247.91 b)The interest pursuant to S 69 county courts act 1984 at the rate of 8% per annum from the date of issue, accruing at a daily rate of £xxxx, but limited to one year,  being £xxxx c)Costs   Defence:   The Defendant contends that the particulars of claim vague and are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   1. The Claimant has not complied with paragraph 3 of the PAPDC ( Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.   2. The Claimant claims £2247.91 is owed under a regulated consumer credit account under reference xxxxxxx. I do not recall the precise details or agreement and have sought verification from the claimant and the claimants solicitor by way of a CPR 31.14 and section 78 request who are yet to fully comply.   3. Paragraph 2 is denied. I am unable to recall the precise details of the alleged agreement or any default notice served in breach of any defaulted payments. 4. Paragraph 3 is denied.The Defendant contends that no notice of assignment pursuant to s.136 of the Law of Property Act & s.82 A of the CCA1974 has ever been served by the Claimant as alleged or at all.   5. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to:   (a) show how the Defendant has entered into an agreement; and (b) show and evidence any cause of action and service of a Default Notice or termination notice; and © show how the Defendant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   6. After receiving this claim I requested by way of a CPR 31.14 request and a section 78 request for copies of any documents referred to within the Claimants' particulars to establish what the claim is for. To date they have failed to comply to my CPR 31.14 request and also my section 78 request and remain in default with regards to this request.   7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.  
    • i understand. Just be aware I am prepared to take some risks 😉
    • Thanks Tnook,   Bear with us while we discuss this behind the scenes - we want you to win just as much as you do but we want to find the right balance between maximising your claim without risking too much in court fees, and in possible court costs awarded to the defendant bank.
    • Tell your son and think on this. He can pay the £160  and have no further worries from them. If he read POFA  Scedule 4 he would find out that if he went to Court and lost which is unlikely on two counts at least [1] they don't do Court and 2] they know they would lose in Court] the most he would be liable to pay them is £100 or whatever the amount on the sign says. He is not liable for the admin charges as that only applies to the driver-perhaps.If he kept his nerve, he would find out that he does not owe them a penny and that applies to the driver as well. But we do need to see the signage at the entrance to the car park and around the car park as well as any T&Cs on the payment meter if there is one. He alone has to work out whether it is worth taking a few photographs to help avoid paying a single penny to these crooks as well as receiving letters threatening him with Court , bailiffs  etc trying to scare him into paying money he does not owe. They know they cannot take him to Court. They know he does not owe them a penny. But they are hoping he does not know so he pays them. If he does decide to pay, tell him to wait as eventually as a last throw of the dice they play Mister Nice Guy and offer a reduction. Great. Whatever he pays them it will be far more than he owes as their original PCN is worthless. Read other threads where our members have been ticketed for not having a permit. [We know so little about the situation that we do not know if he has a permit and forgot to display it. ]
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James220

Very.co.uk Debt, Advice needed

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Thanks for the great advice Guys although I'm still unsure if its worth sending a CCA,

 

I Recieved a acknowledgement letter for the SAR so hopefully they should be sending me details on all the charges asap,

 

Im not sure what you mean by "Catalogue cd" Ford?

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Thread has been moved to the correct forum.


Welcome to Consumer Action Group

 

'Challenges are what makes life interesting; overcoming them is what makes life meaningful.'

Joshua J. Marine

 

1) CLAIM BACK ALL PENALTY CHARGES CLICK HERE

2) CLAIM BACK ALL MIS-SOLD PPI CLICK HERE

3) COMPOUNDED CONTRACTUAL INTEREST CLICK HERE

4) REQUEST CCA FROM CREDITOR CLICK HERE

5) OFT- UNENFORCEABLE AGREEMENTS CLICK HERE

6) CAREY V HSBC (2009) CLICK HERE

7) DON'T BE BULLIED BY CREDITORS / DCA's CLICK HERE

8) IN DEBT DON'T PANIC CLICK HERE

9) FULL AND FINAL SETTLEMENT CLICK HERE

10) SALE OF GOODS ACT-EDUCATE YOUR RETAILER CLICK HERE

11) DISTANCE SELLING-EDUCATE YOR RETAILERCLICK HERE

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13) WHICH? TEMPLATES [/url]CLICK HERE

14) DOES YOU BANK TREAT YOU FAIRLY BCOBSCLICK HERE

15) EVERYTHING HOUSING CLICK HERE

16) UTILITY BACKBILLING CLICK HERE

17) OFGEM - COMPLAINTSCLICK HERE

18) OFCOM - COMPLAINTS CLICK HERE

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Please let us know how your problem has been resolved, it could help fellow Caggers

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its a cat debt

cat forum.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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..........Im not sure what you mean by "Catalogue cd" Ford?

 

meant the catalogue card


IMO

:-):rant:

 

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meant the catalogue card

 

I opend the account with very around 5 years ago

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I finaliy received all the infomation requested with the SAR and each of the £12 charges amount to £324,

 

Now all I need to do is workout the interest thats been added to the charges as they date back from 2007 upto 2012.

 

The interest rate states 44.9% on my account so how would you best advice I work this out? as like i said the charges date back to 2007,

 

Thanks

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thanks dx,

 

I've completed the The CI Sheet, So now I asume I send a print out of the completed CI sheet with the Reclaim charges Letter template to very?

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Ok so as well as sending The completed CI Sheet with a reclaim charges letter, I should also send a complaint letter in a seperate envelope?

 

Also I'm in the process of setting up a debt managment plan with CCCS so would you advise me to deal with getting these charges back now or after the dmp is in place?

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makes no odds really

 

SOC and Complaint leter in same env is ok

 

what was you total?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Ok great thanks' I'll get them posted out first thing tomorrow.

 

The total to reclaim stands at £534 so heres hoping its swiftly dealt with :)

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Hello James i had a debt with very from 2006, After the same issue of mass intrest and mass charges i decided to CCA them as of the advice from this site, I owed them £1,785 after all the charges etc, They had no signed agreement they tried fobbing me off with current terms and conditions, but after a letter back they sent me a letter back telling me they no longer will be persuing me for the debt, NDR money took ages to actually speak to very to get it sorted but since September 2011 heard nothing and the debt is no longer on my Credit report. So for a £1 CCA request get on it mate

 

Cheers

 

Journey Man

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Hi journy man, A signed copy of the consumer credit agreement, which I must have signed back in 2005 came with all my other account information after sending the SAR ,

 

So unfortunately I can't get them to write the debt off like you did :x

 

The signed consumer credit agreement they sent me does state a interest rate of 32.9% though so maybe i can get somthing back there? As the current interest rate is 44.9%

Edited by James220

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Hello Everyone, i am currently going through the same experience with very; but due to loss of job and financial tightness, i struggled a little with paying off my monthly minimum balance. I was able to pay this up ontill November 2011, then stopped and paid again in January. Since January 2012 i have not been abale to put in any payment; it's really been challenging money wise. I called them in March to try and arrange a better payment plan and request for a freeze in this rediculous charges and interest but was told it would not be possible. The interest keeps mounting and i'm totally unsuere what to do. Again, this morning the debt recovery unit for very called me and i requested them to freeze my intrests or debt letter charges as i'm unable to make any payments before the 24th; i just got a new small job. The lady on the phone waas so impatient and was not communicating; she was just too fast for me to comprehend anything. So i asked her to ring back in the evening. Can someone advise if the above advice is ok to follow? Request a SAR with £10 fee, fill out the CIC form to calculate claim, a complaint letter expressing my disatisfaction and a CCA? What is a CCA and how do i get it? Thanks for your help.

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Hello Everyone, i am currently going through the same experience with very; but due to loss of job and financial tightness, i struggled a little with paying off my monthly minimum balance. I was able to pay this up ontill November 2011, then stopped and paid again in January. Since January 2012 i have not been abale to put in any payment; it's really been challenging money wise. I called them in March to try and arrange a better payment plan and request for a freeze in this rediculous charges and interest but was told it would not be possible. The interest keeps mounting and i'm totally unsuere what to do. Again, this morning the debt recovery unit for very called me and i requested them to freeze my intrests or debt letter charges as i'm unable to make any payments before the 24th; i just got a new small job. The lady on the phone waas so impatient and was not communicating; she was just too fast for me to comprehend anything. So i asked her to ring back in the evening. Can someone advise if the above advice is ok to follow? Request a SAR with £10 fee, fill out the CIC form to calculate claim, a complaint letter expressing my disatisfaction and a CCA? What is a CCA and how do i get it? Thanks for your help.

 

start a new thread

see below

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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dx100uk is advising you to start your own thread so it will be personal to your circumstances.

 

Below his initials, dx, there is in bold red a link that says How To Start Your Own Thread, click on it and follow what it says.

 

Follow this guide

Edited by daverules

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Just to update on this:

 

I have not received any money back from very or a reply to The completed CI Sheet with a reclaim charges letter,( sent twice via recorded post)

 

Although I did get a reply from the complaint letter basicly Telling me that they felt I was delt with fairly and they now consider my complaint matter closed (so that was a waste of time)

 

They have now stopped the charges but only because I'm now on a debt management plan with CCS,

 

Do you think I still should be able claim back the charges and if so whats my next step?

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If that was their final response then escalate the matter to the FOS.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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if this is their first refusal

 

write back stating the fsa stuff about their findings did not give creditors permission to levy a PENALTY charge

whatever its level, esp a fixed blanket one , without giving a true accoun of their costs incurred

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Sorry for unearthing such an old thread. But i am in a simialr situation and need a little advice. I fell into arrears with my Very account simply because those BNPL charges hit rather costly, which in turn made my monthly installments reach a whopping 200+ per month. I politely contacted them around a year ago and after many back and forth telephone calls and emails managed to agree a year payment plan of £70.

 

I haven't missed a payment since setting this up, then this morning I recieved two letter on through my door. The first being one demanding a payment in full of a staggering £489 arrears payment followed by the same for the foreseeable future. The second was a letter telling me my payment reached them a day late, how and why this happened I don;t now, as I pay this every month at my local post office ono the exact same day, and this has never arisen before now! I'm both letters arrived on the same day, so even if I had the spare almost £500 floating around I wouldnt have had time to correct the problem at hand.

 

I'm really not keen on calling them, as everytime I have done in the past they are very rude and rather obnoxious with me, and I find myself getting past from pillar to post with little to no resolution being offered at the end of it for my efforts. What can I do leaglly to correct this matter? As all I want to do is make them a sensible offer and get this debt paid up without the threats and nasty letters arriving through my door.

 

Thanks in advance for any help you may have, It's all very much appreciated.

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You need to start a new thread

Of your own please

 

Dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thread now closed to stop newbie bumpings since 2012


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 1068 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you
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