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    • we're here for you. take your time.  dx  
    • then the who thing cannot have anything to do with paypal then, they cant be involved at all. chargeback fee? from whom never heard of that one either. ebay/paypal must have changed their T&C's again then since the demise of brexit and EU agreements. i can only assume he paid paypal, who acted solely a payment intermediary, to buy your trainers from ebay. and ebay added a £14 processing fee? thats unlawful hence their refund. i dont think there is anything you can do here sadly. classic ebay scam that goes back +30yrs. just now rejigged for the 22nd century.  typically it only resulted in an unenforceable paypal balance that you simply walked away from... but now ebay has obviously tightened up on losing out to these scammers and added an unlawful fee to scrap some of their historic losses back.      
    • Apologies, I am still getting used to the site. Understood, ill have a read and come back if I have any other questions. Thanks 
    • I have done a separate letter and form for each of the 3 debts and kind of ignored the Vodafone one for now    Thanks 
    • please refrain from posting blocks of text...use sentences and line spacing .... i notice your 1st post had been spaced and ive done your last three.... this is not facebook....its a forum. ........... it does not matter how long BS takes i would cease payments now and a DCA is NOT A BAILIFF. they don't own your debts so can do NOTHING!! slow down and calm down , 4 post in 5 mins is no good. Debt management and Debt self-help - Consumer Action Group click the above link and go read a good 20+ thread in the above forum and all your questions will be answered  if you have any outstanding  then please post with them later. everything is explain in numerous thread already here for you to understand at your own pace. there is not rush to do anything today or the next 10days bar simply stop paying. though as explained in my last post, whichever way you go not pay will equal a default which will trash your credit file for 6yrs so the quicker you stop the quicker they will vanish . dx  
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    • 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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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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M T collect threat-o-texts - another sufferer


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Hi, just want a bit of advice, has anyone had any dealing with a company called MITIGATE TRACE AND COLLECT, apparently Capital Finance One, , i have had a letter asking for full payment i rang them and have come to an agreement as to what i can afford but before i give them my details is this a true company and should i give them my bank details.

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Hi and welcome to CAG

DO NOT give them any details whatsoever. They will clear your account

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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If you want to set up a payment arrangement, get THEIR bank details and set up a standing order

 

Be prepared to get the funny texts and obnoxious phone calls but this is your money

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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moved to the payday loan forum

 

thread retitled

 

have a read of a few of the 1000's of people that have gotten the same.

 

if any of the PDL co's know your card details

 

cancel the card NOW

 

report it stolen/lost

 

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 have had a nightmare call with these today and am now sat dreading a knock at the door. There is just no talking to them and no way out. Spoke to a very rude posh man at 6pm and he said that unless I could pay 50.00 someone would be at my house within 2 hours. Just feel so dreadful now and anxious. Help!

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Hi, it sounds like i spoke to the same man last night myself, he was supposed to ring me today to get my card details off me, which i was not going to give after information i was given, he never rang, i have spoken to a debt management company and they told me not to speak to them or do anything, they are just bullies, i have wrote to ombudsman and rang citizens advice, they have told me not to give anything to this comapny, and they have no right to act and threaten people, they are getting investigated, do not give them a penny, and stop worrying, if they come which they wont, ring the police...

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You need to complain to the OFT - they are investigating payday rogues at the moment http://www.oft.gov.uk/about-the-oft/legal-powers/legal/competition-act-1998/complaints#named1

 

MTC are bullies and they cannot send anyone to your house within 2 hours.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Thank you, I will call them tomorrow. I know, its just the threat and frustration when I have offered them a payment and they just said no. They said it was going to court in 48 hours. I asked which court and why I hadn't had a written letter and they just said that they don't have to inform me. They are my finances and should have them under control. Never felt so bad after a phone call!

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please everyone STOP CALLING THEM AND STOP ANSWERING THE PHONE TO THEM

 

you are under NO LEGAL OBLIGATION TO DO SO.

 

if you must talk to them ,...RECORD THE CALL and give it to US to send to the authorities

 

just to say once AGAIN..............

 

MT MUPPETS ARE NOT BAILIFFS

 

they have NO LEGAL POWERS WHATSOEVER.

 

NEVER EVER GIVE THEM YOU CARD DETAILS EITHER

if they know them CANCEL THE CARD NOW.

 

 

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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Thank you. I didn't realise all this until I called today. Then I Google them and found this site. Wish I had Google it before I called them. I will complain tomorrow to the link above and ignore them and pray they won't come knocking! A stupid 150.00 loan is currently at 1200.00. What a silly girl I am! Live and learn.

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Well don't worry about owing £1200 - you don't !! you should only offer to pay the original loan + 1 month's interest.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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thanks to everyone who has replied to my thread, i appreciate everything, and i am in control now. thanks again.

:smile::smile:

 

Glad you are feeling more confident. Hopefully, the more people that complain to Trading standards and the OFT, the sooner this bunch of *******s are shut down

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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God, iv just had a text off Mitigate, trace and collect, saying they are coming to my address NOW, unless i make a token payment, what do i do, its quite scary, :evil:

 

See post 11 above and get reporting them also as advised above

 

ims

 

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Can somebody post up the phone no to collect these texts, they must have hundreds of people worried across the country (and hundreds of people not turning up on the doorstep).

 

Just had the question asnwered - thanks.

 

Hi SG

 

See the link in post #18

 

ims

 

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  • 1 month later...

HI,

I have just been reading all your comments, and i have just had a call from them asking me to pay £100, when i told them that i can not pay, they asked me to pay £30.

 

They have said that if i do not pay by 5pm, today they will start court proceedings, Please can some one let me know if this is possible.

 

I am so worried.

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Hi Ali and welcome to CAG

 

At the moment they don't court. That isn't to say they won't do so in the future but for now, they are using the threat of court to scare you. Working isn't it!

 

Stop letting them get to you. Court is a long loonngg way off (IF EVER)

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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HI,

I have just been reading all your comments, and i have just had a call from them asking me to pay £100, when i told them that i can not pay, they asked me to pay £30.

 

They have said that if i do not pay by 5pm, today they will start court proceedings, Please can some one let me know if this is possible.

 

I am so worried.

 

 

WHY are you talking to them on the phone?

 

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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