Jump to content


  • Tweets

  • Posts

    • Will get them done asap My job changes week to week so at the time I didn’t know. 
    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
    • hi all just got the reminder letter, I have attached it and also the 2nd side of the original 1st pcn (i just saw the edit above) Look forward to your advice Thanks   PCN final reminder.pdf pcn original side 2.pdf
    • The airline said it was offering to pay $10,000 to those who sustained minor injuries.View the full article
  • Recommended Topics

  • Our picks

    • 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
        • Like
  • Recommended Topics

Ind?court letter / welcome car finance debt


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4345 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi all 1st post so hope its in right place,

 

just recieved court proceddings re ind

who until today i have never heard of,

 

phoned their solicitior and he said to just fill in court forms and send them back

WHAT DO I DO NEXT?

 

CHEERS

Link to post
Share on other sites

Hi Stoddy, and Welcome to CAG

 

Yes fill them in but don't send them back to them, or you can do it on line MCOL and you need to decide admit, part admit, or defend.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Thanks Andy

i admit to part of it but the figures they are quoting are way of,this dates back to 2008 and iv had no correspondance from them up until today when the court papers appeared cheers steve

Link to post
Share on other sites

what is the original debt all about?

 

tell us the story

 

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

it was money i borrowed from welcome car finance

which inm now told is welcome financial services,

 

as far as i can remember it was originally 2k

 

but now with court costs they are asking for 5k

 

.i admit to not paying and thats not the problem

 

the problem is iv had not contact from anyone regarding this debt in the last 4 years until the court papers turned up today

which strikes me as strange and possibly illegal

Link to post
Share on other sites

They make a Claim at any time Stoddy as long as it is within 6 years without acknowledgement or payment from yourself.Why do you think its illegal ?

 

Take a read here it will outline some options :-

http://www.consumeractiongroup.co.uk/forum/showthread.php?350460-N1-Claim-Form-received-for-old-Welcome-Finance-debt(1-Viewing)-nbsp

 

 

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

it was money i borrowed from welcome car finance

which inm now told is welcome financial services,

 

as far as i can remember it was originally 2k

 

but now with court costs they are asking for 5k

 

.i admit to not paying and thats not the problem

 

the problem is iv had not contact from anyone regarding this debt in the last 4 years until the court papers turned up today

which strikes me as strange and possibly illegal

 

probably littered with PENALTY fees for everything

and various insurances you didn't need to have.

 

SAR to welcome PDQ me thinks

 

 

look at everything you reclaim/counrer-claim on.

 

what happened to the car ?

when / if did you last pay anything?

 

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

Hi dx pls excuse my ignorance but im new to site have looked at SAR

and is it not to late for this now its in the hands of the court,

 

money was lent direct to me so car has come and gone

 

last payment will have been towards end of 2008,

 

jst puzzling me how a company iv never had any contact with not even a letter can just turn up

and take me to court without even intro ducing themselves.

 

cheers stoddy

Link to post
Share on other sites

What are the Particulars of Claim stoddy?

 

If you can type out verbatim (less any identifiable data) see what we have.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

claimant welcome financial services

the claimant claims for sums due under a credit agreement

related only to money regulated by the consumer credit act 1974,

 

the agreement was terminated upon defendent failure to comply with teams of agreement

 

,the claimnet complied with section iii and iv and annexb of the pd pre-action conduct,

 

then is quotes figures and interest rates last payment 10/1/08.

Link to post
Share on other sites

Ok fairly vague P.o.C as usual.

 

Read the thread I have linked and then you will see what you need to do to be able to gather information

and then be able to make a decision on which way to deal with this.

 

Your only chance of avoiding a CCJ is to defend all

anything else will attain a CCJ.

 

If that's not a problem then you can part admit but also make a counter claim,

if there was PPI /unfair charges levied to the account.

 

Have a read around the welcome threads and see what others in your position have done.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

  • 2 weeks later...

Hi andy i have today sent my part admittance via mcol,so do i now write to ind solicitor and ask for a cpr31.14 as iv never had any corrispondance from ind until the court papers arrived.sorry to be a pain iv read loads about ind on other threads just dont want to make the wrong move cheers stoddy

Link to post
Share on other sites

So you are part admitting part defending? Yes send the CPR 31.14 to their Sols named on the summons.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

You do realise that a part admittance guarantees a CCJ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

No need to inform the Court of your request but it may be wise to either print your name or sign it uniquely.Yes recorded del a must and retain proof.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

No need to inform the Court of your request but it may be wise to either print your name or sign it uniquely.Yes recorded del a must and retain proof.

 

Andy

 

Cheers andy

Link to post
Share on other sites

  • 4 weeks later...

update sent cpr31.14 and have not had responce,

 

got home today to receive a letter from court(northhamton) saying

 

case delt with on 26th june from lack of my responce (my fault been working away and didnt realise my 28 days was up).

 

also recieved a letter from ind saying

heggerty were no longer their solicitor and they shall be acting in person

but thats has nottingham court on it.

 

stuck as to what do next or do i just have to set up a payment plan and put it down to experiance?

Link to post
Share on other sites

If you can give details of the judgment (Default) Stoddy.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Hi Andy

 

it says

 

as you have not replied

you are ordered to pay £5,042,83+£165 costs

name and address for payment heggerty llp

 

also received letter from ind saying

heggery nolonger their solicitor and they are now dealing with it themselves,

 

judgement is dated 26th

letter from ind dated 28th

both recieved on monday 2nd,today

 

i have received a letter from nottingham court with an attachments to earnings form as iv not paid.

Link to post
Share on other sites

get that SAR off .

 

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

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...