Jump to content


  • Tweets

  • Posts

    • Appreciate your response BankFodder. I am aware that the Consumer Rights Act does not apply in my case as I operate a business and, instead, should rely on the Supply of Goods and Services Act and Unfair Contract Terms Act 1977. I was a little unsure as, when I read the judgement of Hashim Farooq v EVRi Parcelnet, July 2023 I presumed that,  as Farooq had supplied laptops through Amazon,  the Consumer Rights Act would not apply but the judge refers to it in Section 22 as to why the claimant should be given judgment. Have I read this correctly? The reason for not offering full reimbursement was because I did not take out insurance for the full value.  In regards to correspondence from my customer,  I have emails from her in my timeline stating that she was waiting all week and that no one attempted delivery.  I have no doubt that she will be willing to corroborate the events with a written statement.
    • When you post information here you will have to post it in single file multipage PDF format. Follow the upload link. However, it would be more helpful if you could simply answer the questions that we have put to you and we can deal with paperwork afterwards if we think we need it.  
    • I was trying to post all the paperwork that I have, namely facebook ad, messages between the seller and my son etc . But I'm getting the message that the files are to large. 
    • First of all please can you tell us the name of the seller, something about the van – age/year, mileage, price paid. How far away is the seller from where your son lives? Who do you take it to for this inspection? Are they prepared to give you a written list of the things that they found? This is very important and you may well have to get an independent inspection from somebody such as the AA. This will cost you some kind of feedback we expect that we will be able to help you get it back. I would say that if you have to bring a court claim – which is likely – then your chances of success are better than 95% but the difficulty might be enforcing the judgement against the seller. We will have to no more in order to give you better advice. Does it have an MOT? What is the date of it and who gave it the MOT? I suggest that you start taking pictures of all of the defects that you can find.   Also I am going to say that I believe that you came over from Facebook where you were already informed that we would need at least all of the information which I have requested above. It will save a lot of time and effort for everybody if you can simply come up with the things that we ask without too much delay
    • My autistic son brought a van from a private seller. ( there was 5 other cars on his drive and another van, plus loads of machanic tools in his hallway,  so he probably is a unofficial dealer).  He gave the van a once over, he checked for any warning lights that might be on, there was none. He checked underneath for any rust etc, it all looked fine. The body was rough, but you'd expect that for the age of the van.  He got his brothers machanic to give it a pre mot check, as the van was old so he expected it to have a few problems. The van is a deathtrap, the seller had blacked out all the warning lights that were on the dash,  and I mean all.  He had also painted some kind of black stuff on the underside, to hide all the damage there.   My son drove it for over 2 hours to get it home. The machanic said he's surprised my son is still alive, and an untrained eye would not of seen what the seller had done.  Iv asked the seller for a refund and for him to have the van back, but he is refusing. Is there anything we can do.   
  • 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

Central Debt recovery unit. 2 debts HSBC


dorishaslop
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4222 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 again friends,

 

I am getting really confused with two of my debts, but refuse to ring the numbers given on these letters...

 

I have two debts outstanding with HSBC,

one was a current account overdraft and the other was

a credit card.

 

I have been paying these off at a very low rate for quite a while now,

one with MKPD and the other

with metropolitan.

 

I have had a letter this morning telling me that the debt has been referred for immediate collection with central debt recovery unit.

and that I must pay the balance by 18.10.12

 

I see on the bottom of the letter that this is a "trading style of Metropolitan collection services ltd."

 

Should I carry on ignoring these letters and just keep letting the standing orders go through as usual, or should I contact them.

 

I am getting really worried now as I am getting confused as to who is getting what???

Link to post
Share on other sites

Metropolitan are the internal debt collection dept. for HSBC. I suspect that they are looking for full payment of the debt or they will pass/sell on the debt for outside debt collectors to make payment arrangements with you.

 

If you cannot afford to increase the current payments or settle the debt, perhaps just send a letter back to them advising that you do not understand the purpose of their recent letter, your financial circumstances have not changed and you are happy with the current arrangement.

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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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

Link to post
Share on other sites

MKDP...urm they usually collect on lemon debts?

 

is this the card or the OD.

 

do these debts show on your CRA file?

 

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

What is the history of these debts ? Any long periods without payment ? Any charges/PPI to reclaim ? Have you requested the CCA for the credit card debt ?

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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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

Link to post
Share on other sites

how did you get fooled into paying MKDP?

 

threat-o-grams?

 

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

Yes uncle I think I did have a couple of periods of not paying..

. then got scared by the threatograms....

Im not disputing that I owe the debts..

 

. just that I get so many letters from new credit companies that I lose track of who I am paying and for what.

 

I haven't done cca's or credit checks for the reason that I know I owe the money but just can't pay the amount that they want every month.

 

I can pay them all at two pounds a month but they still keep chasing me for in and outgoings.

 

They won't accept the i&e by post and won't supply me with forms,

they want me to go through my personal money details ie which bills etc I am paying,

and I refuse to do that on an 0845 number...

Link to post
Share on other sites

Why you do not CCA1974 them it cost a £1.00 then we can see if they are enforceable or not once and for all, go for it, they are not bothered about you and how you survive or starve, only lining their pockets with your money.

:mad2::-x:jaw::sad:
Link to post
Share on other sites

It is best not to speak to them on the phone as those goons are after commissions only regadless of your situation you put to them.

 

All in writing, but do yourself a favour and send off the documents request,

also an outside DCA is on commission unless they are debt purchasers then only pay Pence per £ for the debt,

say they Pay £250.00 for an alledged debt of say £2.500 they make £2,250 profit from you.

 

And the other thing comes to mind if they have a coollectable debt why have they not as they are with me take you to court for a CCJ etc.

 

Think about it!

 

makes you wonder, and as if you do ring them ,

well put on hold at your expence for up to 45 minutes and you come away without getting to the right department,

I know that one on more than one occassion.

:mad2::-x:jaw::sad:
Link to post
Share on other sites

hey me thinks you've been had on both of them sorry.

 

never ever use the phone

and never ever send them an I&E

 

DCA's have NO LEGAL POWERS.

 

can you get your cra file.

 

i know you think you owe the money

 

but

 

if it was me i'd stop paying them.

 

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

hey me thinks you've been had on both of them sorry.

 

never ever use the phone

and never ever send them an I&E

 

DCA's have NO LEGAL POWERS.

 

can you get your cra file.

 

i know you think you owe the money

 

but

 

if it was me i'd stop paying them.

 

dx

 

 

Exactly????????????????????

:mad2::-x:jaw::sad:
Link to post
Share on other sites

How much does it cost to phone an 0845, 0843 or 0844 number? Calling an 0845 number costs 2p per minute daytime, and 0.5ppm at all other times when called from BT Landlines.

 

Would never suggest phoning them.

 

My Virgin Media phone rates start at 10p a minute for 0845 numbers.

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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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

Link to post
Share on other sites

SE Talk calls are are "paid up front", except for 0844, 0871 etc, but 0845 are not chargeable as extra's.

 

Sam

All of these are on behalf of a friend.. Cabot - [There's no CCA!]

CapQuest - [There's no CCA!]

Barclays - Zinc, [There's no CCA!]

Robinson Way - Written off!

NatWest - Written off!

Link to post
Share on other sites

My phone is with Sky so not sure what the rates are.... I will go for the cca1974 sounds like a good idea.. sorry I havent' answered today as Ive been at the hospital all day... when I feel better in the morning (hopefully) I'll try to get my head round all your replies, I am grateful for your responses.

I am very tempted to stop paying, but too scared that the nasties will start up again.. I did find out today that I had actually been paying two companies for one and the same debt. one was MKDP? and the other for the same account I was also paying D&G Solicitors, so I pulled the plug on that one, Nice of them to tell me my mistake (not).. thanks again guys.... much appreciated. xxxx

Link to post
Share on other sites

If worried about stopping - send them a thank you letter - thanking them for making you do an I&E budget (which only a court can request) and you have discovered that you have no funds left so must reduce payments to £1 per month and you will be in touch if things get better. Oh and state all communication to be in writing.

 

Stay strong - lots of great advice on here - defo send CCA and check your credit report.

 

Intend

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...