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    • Hi Lutz,   Go ahead with the new account.   As I said already, the bank will probably do and say nothing to help you for the next few weeks so make whatever other arrangements you can.
    • I don't think that you have told us when you bought the car. However, you have referred to a conversation in which they apparently told you that the MOT had been carried out on 11 November so that suggests to me that you bought it after that date. Although it seems as if you are dealing with quite a dodgy crowd, you may as well go through the paces of asserting your proper rights. Because you have discovered this issue within the first 30 days – you can add to the strength of your position by sending them a letter asserting a right to reject the vehicle under the consumer rights act. If a car manifests a defect within the first 30 days then you are entitled to reject it out of hand with no chance of repair but you must assert your right in writing. Send them a letter immediately – recorded delivery – informing them that you are rejecting the vehicle and telling them on what grounds and say that you are asserting your rights under the consumer rights act. It won't make a whole lot of difference, but later on if you find yourself having to take court action, then it will all help. Please let us know when you have had the AA check. Meanwhile, I suggest that you contact me at our admin email address and let me know the identity of the garage and any other identity clues that you have unearthed. It may enable us to give you additional help
    • Assuming you're correct about the limitation running from the last date of deferral. The last deferral was in 2013 so the statute barring period would end on 31 August 2019, the money claim was made on 3rd June 2019 so is within the limitation period. Therefore the debt is not statute barred.
    • I agree with my site team colleague @slick132 but with variations. These people have been leading you around and causing you serious harm in terms of the amount of effort that you have been put to as well as the damage to your credit file. You have been given all sorts of different stories and also been misled by them as to their statutory obligations in respect of data disclosures. It has taken the issue of court claim to get them to make any move. You have taken control of the situation and it is you who has the whip hand at the moment. They are now proposing to telephone you to discuss the matter in some way – but you have no idea. Also, you have no idea who you are going to be speaking to and whether they have authority to commit Virgin to anything at all. If you agree to this phone call then you are at risk of handing control back to them because they will partly ask you to withdraw the action and they will also offer to make a payment as a "gesture of goodwill". Now that you have attracted their attention and they realise that something needs to be taken seriously, I don't think you should let go of the initiative. Please can you post up the email which you received from them. Who was it from and what is that person's role within the company. I think you should write to them and refuse the call and tell them that you are happy to discuss matters but you will want to know what it is they think they have to discuss and who will it be who will be phoning you – and will that person has any authority to make decisions. Tell them that you want an agenda and it should be treated like a telephone meeting. I think you should also emphasise to virgin that they are already in breach of their statutory duty. That if they decide to file a defence that they will have to sign it is a statement of truth subject to a sanction for contempt of court and that as they are clearly in breach of their statutory obligations, it would not be possible for them to sign off such a statement of truth and if they do, then you will bring the whole thing to the attention of the court and invite the court to express their own opinion on the matter. I think it's very important that they tell you in advance what they propose to discuss. I think you should tell them that if they're not prepared to disclose the purpose of their phone call and the points that they intend to cover and if the phone call is not made by somebody at a suitably elevated managerial level, then you are not prepared to discuss the matter. I'm afraid that I'm struck by the naïveté of this statement which I suppose is intended to be assertive.   Haven't we reached a point yet where you understand that you can't trust these people and although you may discuss various things on the telephone, if they then are required to minute the conversation and provide you with the resume of the conversation, you are handing them carte blanche to present the conversation in a way that suits them together with nuances included or removed, and generally slanted in their favour. They might not – but you are certainly opening up the possibilities and if that's what they do, how are you going to counter them and say that they have not correctly recorded what you discussed and agreed? You seem to be doing everything you can to keep on handing the baton back to Virgin. I have no idea why. You should not get involved in any telephone conversation unless you have first read our customer services guide and you are recording the call for your own benefit. If you cannot do this or you are not prepared to do this then don't take the call at all. Please will you post up the email that you have received, let me have your comments on what I've posted here and if you agree we will draft a response. You might like to start. Apparently they are proposing to telephone today and so we need to get a move on. If they happen to telephone before you have received a written reply to your message, then you should simply tell the caller that you are still waiting for their response to the email which you sent a little while earlier and you're not prepared to discuss anything until you have their written reply to that.
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This is my first post so I am sorry if it is in the wrong section, I am sure a moderator will move it if it is.

 

I got home late last night & noticed a draft coming through the letter box, when I checked there was a brown envelope in there which had been delivered by hand. Inside was a card from ScotCall about my debt to the Co-Op bank for a credit card I had which is in excess of £9k, mostly excessive interest charges.

 

The card said not to ignore it and to contact Gary on the number provided.

 

I have no intention of calling Gary but I know my wife will freak out when she knows someone has been to the house.

 

In the past it was just threatening phone calls and letters from our creditors until the National Debt Line told me letters to send out; these then stopped overnight and I have not heard anything for more than 2 years.

 

Can they do anything if they do turn up or do they need to take me to court first?

If I was on my own it wouldn't bother me but my wife is thinking of the shame if our family and neighbours find out.

 

Just a bit of extra info:

1) The debt is definitely mine, but I couldn't pay so I had an agreement for £5 month. However this became too much so I stopped paying.

2) After numerous threats from DCA's the letters stopped more than 12 months ago.

3) I have been redundant for 3 years after the financial meltdown of 2008.

4) Nationwide took me to court and have a charging order against my house for their debt - this means I have no equity in the house and cannot sell without their permission.

5) My Credit Score is 299, which says I am poor. Tell me something I don't know. :-D

 

Thanks for any help offered.

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Hi welcome to CAG,

Doorstep collectors have absolutely no authority to enter your home

or discusss your finances you can oder them to leave and not return.

 

I suggest writting to ScottCall as follows:

 

The Compliance Manager

ScottCall

 

Ref: xxxxxxxxxxx

 

Dear Sir or Madam,

 

I refer to the visit to my property by one of your operatives today, please

take note I withdraw all permissions implied or explicit for any employees

of Scotcall to visit my property at any time.

 

Please be advised I will only deal with fnancial matters in writting, no e-mails

or telphone contact is allowed.

  • Confused 1

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Oh Brig, the lovely Scott-Call, love em the only one's to ever turn up on me old property... Say hello to Kevin as soon as I opened the door and gave him 5 seconds to remove himself he could have beated Mr Bolt in the 100 metres haaaaa,,, this lot are one of the bottom feeders. They must be the only one's who chance there arm at taking your doorstep,,, heeeeee,,, soon as you write and say what Brig recommends they close the file...

[sIGPIC][/sIGPIC]Happyhippy1959

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Oh Brig, the lovely Scott-Call, love em the only one's to ever turn up on me old property... Say hello to Kevin as soon as I opened the door and gave him 5 seconds to remove himself he could have beated Mr Bolt in the 100 metres haaaaa,,, this lot are one of the bottom feeders. They must be the only one's who chance there arm at taking your doorstep,,, heeeeee,,, soon as you write and say what Brig recommends they close the file...

 

Hi Hippy,

Wonderful mob are'nt they I dealt with them earlier this year threatening someone with court action,

hanging drawing and quatering and many other horriffic penalties if they did not pay for a 22 year old

Associates Card accounts, sent on of Brigs special stat barred letters never another peep:madgrin:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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They are easy meat, they want a quiet life. Have sent them packing for a couple of ex-Mrs Hippy's.... I think they troll around at the small debts and employ quite a few Field Agents !!!!!!!!!!!! hmmmmm so they know they will probably get a return. They troll a lot of the council estates for Catalogue debt and those dodgy 5000% apr loans that come to the door,, No Names no pack drill.

[sIGPIC][/sIGPIC]Happyhippy1959

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The letter is printed and in an envelope, it will be in the post box for the last post.

 

I think they they jammed the card in the letterbox as it was stood upright.

 

How long is it usually until anyone calls back?

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May not call back, if he is self employed like many of

these collectors are, it depends if it's worth his time.

If he does turn up hand him a copy of the letter and

shut the door.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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You were lucky to only have ScotCall.

 

When someone formerly at my address stopped paying Co-op,

they sent a private investigator round who,

getting no answer,

asked the neighbours whether that person lives here ..

. until they asked if he is police.

 

At least he didn't state the nature of his business.

That was more than 2 years ago and, despite Co-op *knowing* their ex-customer is not here, DCA mail still arrives.

 

I am biding my time, letting the evidence accumulate, and will take appropriate action when it suits me.

 

I mention this now just to give you an idea of how low the Co-op stoop. "Ethically guided," my foot.

Expect anything from them. Except legal action. If you have no assets and a low credit score they do, eventually, give up the ghost.

 

The guttersnipe who called at your house would also be representing iQor (part of the same cabal) and others,

making a pretty penny of his monthly round in your area pocketing 20% commissions.

Just they tend to get more excitable, of course, over larger debts.

 

I often wonder not only how many people are intimidated into paying, but also how many such debts are statute barred

and how many people do not request a receipt, leaving the collector open to the temptation to pocket not just the 20% but maybe in excess of 99%.

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