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    • That would be very helpful I'm sure. And absolutely I would endeavour to get the transcript if my case is successful. Am I right in saying that I should use and quote this case in my mediation?
    • I thought you said that the work had been carried out? Now I look at the letter which apparently has been sent by your partner which suggests that the work has still yet to be done. Please clarify
    • Please note also that Cagger @occysrazor has helped us to apply for the transcript of the judgement which will be available to everybody and will be available to you free of charge if you go to trial. I hope that if you go to trial and you also succeed – as you surely will – that you will help us get the transcript of the judgement in your case.
    • Lolerz is spot on. The limitation period is six months for prosecution in the Magistrates' Court. Six years for bringing a civil claim. I know you'll be thinking "it can't be both" but never underestimate the PPCs' contempt for the law and their utter greed. In this case there is no supermarket chain, etc., so just ignore.
    • So let's see your draft. In terms of what you have to do now, you will be required to mitigate your loss and this means that you should pay the bill and reclaim it. If you start haggling over the bill which eventually may mean that you could incur further costs. For instance, if the courtesy car facility is withdrawn from you then you will be left either without vehicle all you will have to you rent or own. I can even imagine that Mercedes might come back to you and say that if you don't settle the bill they will start levying a storage charge – and you would be unlikely to be able to recover that as well. So I think that you should pay the bill, get your car. Make sure that it is perfectly all right. Has it been given a full check over for any other possible faults? You may as well get the whole thing diagnosed including an MOT to see exactly where you stand. Prepare the draft letter informing them that the work is being carried out – that you had no choice as you were obliged to mitigate your losses – and you want them to settle it.  
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

PPI reclaim amout?


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yea just treat the ppi & the life etc etc together as ppi.

 

you'll get there no rush.

 

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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ok sir thank you.. my mind has been melted today so i will probibly do that tomorrow then. Im just wanting to know the reigon of what i can expect in return as ive heard that HFC will try to rob you blind if you dont know what to expect in return.

 

Pfft, would never sleep till i did it lol

 

Anyways, ive done what you said and followed what it said in .1 of your signature and here is what ive came up with

 

monthly, i was paying £24.14 for both PPI and the life insurence

 

The settlement bill for them both combined was £652.86.

 

Now im just hoping that my numbers stand up lol

Edited by twister2eng
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can you attach the soc please

 

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

i think this is what you mean by SoC

 

the way i reached those figures is by the following

 

adding the total PPI and the total life ins together to get the figure £1158.72 total

I then added the total Loan (plus PPI and all interest) and the life insurence (plus interest) to get the total £6372.48

dividing£1158.72 by the total of £6372.48 then multiplying it by 100 gave me 18.18%

 

using the 18.18% of my weekly repayments of £132.76 gave me £24.14 towards the PPI and life per week from the £132.76

 

the Final Payment was for £3591.10

taking 18.18% of that for the PPI and life gave me £652.86 as the final payment for both PPI and life insurence.

 

PLEASE let my numbers be correct lol :)

PPI thing.xls

Edited by twister2eng
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schedule of charges

 

if i can i'll look a bit later tonight ok

 

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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hmm, ive got no paper work with anything by that name on it. I have got some paperwork laying out a basic guide on how much i will be charged for each item if i settle the loan before the 48month agreement is up if that is what the SoC is?

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no sorry

 

any spreadsheet is called a schedule of charges

 

thats what you have attached

 

 

sorry

 

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... 

Link to post
Share on other sites

you must have removed the calc from a cell

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... 

Link to post
Share on other sites

your was not recognising the settlement figure

 

i've not checked your % of the settlement figure is correct

i've not done the calc on it

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

you dont do anything bar fill in the entries for each charge

 

and the TOP boxes in the blue area on the top left

 

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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read the red notes tab at the BOTTOM

 

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

HFC at its finest. 'We will send a letter acknowledging your compalin out and you will get it in 5 working days (on monday)'. Call them on friday as nothing has arrived. 'We sent it today, it will take 3 to 5 working days to arrive'. 2 weeks to post 1 letter lol, this is going to be fun.

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  • 1 month later...

Well i would like to take this oppertunity to tank those on this site for all the help given. If you are reading this and feel a bit intimidated by the process, plaease just ask for help and follow the advice given. The people are realy helpfull and make everything really easy :)

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