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    • Thank you. Can you tell us who replaced the rear brakes in June 2019? Who paid for it? One slight problem here is that the amount of money you are dealing with is in excess of £10,000. £10,000 is the County Court small claims limit. When you bring a small claim – less than £10,000 – then even if you lose, you won't have to pay the costs of the other party. Over £10,000 and you will have to pay if you lose. On the basis of what you say here, you have absolutely no chance of losing but on the other hand the fact that you would have to bring the claim on the fast track brings comfort to the other side and they are more likely to employ tactics to intimidate you with the spectre of costs hanging over you in the event that you lose. This is something to take into consideration. You have two choices. One would be to consider claiming for the refund of the entire price plus any ancillary losses. The second would be to claim for repairs. On the basis that repairs will be considerably less than £10,000 I think that I would suggest you go for that. This means that you need to get the car thoroughly examined and get a quote for repairs and generally speaking putting into a proper roadworthy condition. In fact you would need two independent quotations. You would then, with our help, enter the pre-action protocol which would essentially threaten the dealer and also the finance company with 14 days to sort it out or else you will bring a court action and without any further notice. You would only make this threat if you decided to go ahead with it. It's not worth bluffing. Both the dealer and the finance company will probably use all sorts of tactics to delay and to prevaricate. You must not allow yourself to get dragged into any kind of protracted discussion. You make the threat. 14 days. Day 15 – you send them the good news. Once they have the court papers they will then start to realise that you are serious. The finance company will put pressure on the dealer and someone or other will put their hands up. It's up to you if you want to get involved in this kind of action. If not then I think you're going to have a hard slog
    • Ok trying to move this forward. just got a statement with £260 agents fees added even though they have no collected the car! Am I right in thinking this is illegal?   Moving forward is it best for me to submit an N244 with the court to try and stop them taking the car and for these unlawful fees? Could somebody advise what it is I’m asking the court to do as I don’t want extra time to pay as the account is up to date but I don’t want them taking the vehicle because I’m refusing to pay these agents fees!   could really do with some help  
    • The dealer is MK autos ltd in Milton Keynes.   We know the car was serviced by bmw once, as we called to ask but about 2 years ago.  The car was brought for £10,995 but with finance cost total will be £22,000.. Eye watering amount but again we was pushed into a corner. I needed a car my mum has terminal lung cancer and I do all the hospital appointments. We thought that we would be safe for a while at least.   Again I forgot to mention that although the car had a "service" the rear brakes went and were replaced on the 15th June 2019..   We have paid so far in total £2260 in 6 months.   I am prepared to fight this!!  
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last month i finished paying off safeloans, they took out an arrestment. damn thing cost me 368 when it was a 100loan. the loan was taken in 2010. the letter they sent me told me off this court case but i could stop this by getting in touch. several letter and phone calls, no joy as not one reply or answer to the phone calls. now the initial letter (and only) letter stated the case was against a Mr Kelly B******* which isnt me im Mr A B********. The case went to some 2bob debt collecting agency which sent me a letter about the arrestment, this letter had the wrong date of birth on it. Is there anything i can do or is it too late as ive paid them.

Odd how what few letters i recieved always gave me a final date which was 24hrs away from when i recieved it.

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last month i finished paying off safeloans, they took out an arrestment. damn thing cost me 368 when it was a 100loan. the loan was taken in 2010. the letter they sent me told me off this court case but i could stop this by getting in touch. several letter and phone calls, no joy as not one reply or answer to the phone calls. now the initial letter (and only) letter stated the case was against a Mr Kelly B******* which isnt me im Mr A B********. The case went to some 2bob debt collecting agency which sent me a letter about the arrestment, this letter had the wrong date of birth on it. Is there anything i can do or is it too late as ive paid them.

Odd how what few letters i recieved always gave me a final date which was 24hrs away from when i recieved it.

 

I think this is best asked in the sites legal forums. http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?170-Legal-Issues


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

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We really need the full story of this, and you need to inform the court on Monday morning that this is incorrect and you need it to be set aside at least.

 

I would also inform Croydon Trading Standards that this company went to court and are chasing the wrong person for payment of the 'arrestment'.

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recently last month i had finished paying off an earnings arrestment to Safeloans. payment was 368 for a 100 loan taken out in 2010. now i recieved a letter from them telling me of there intentions, this letter stated that it was safeloans v Mr Kelly B... now im not that person im Mr A...B....

the response date on this letter for me to reply by was less than 24hrs from when i recieved the letter. i wrote several letters and tried phoning countless times with no luck. It seems they were not interested in opening line of communication. The matter went further and to a company called sterling park, i did recieve a letter but it was from edinburgh sheriff court, this letter had the wrong DOB and surname on it. Now i have been told that sterling park should have informed me of this matter, i recieved no communications from them. Without any further knowledge my earnings were being arrested. Is this right, can i do anything about this or is it too late as the payment has been made.

i have found safeloans and sterling park to be very unprofessional.

any help would be great, Thanks. Andrew.

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http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?170-Legal-Issues

 

Make a post there. Much more informed people on legal matters would be able to help you there.


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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They may have obtained this money under false pretense and abuse of the county court system. Why are you posting here then if you are not going to do anything about it?

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Thread moved to Dealing with debt in Scotland Forum.

 

Was this debt yours and the amount you paid correct ?

The 2bob debt collectors you mention are Sheriff Officers and Messenger at Arms.

Edited by maroondevo52

 
 

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