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    • Thanks once again dx! Your advice is greatly appreciated. I think you forgot the bit where you say "In future contact CAG first." At least I would have saved £69 but I've learned a lesson way more valuable and that's not to ignore a debt just hoping it will go away after 6 years. Here's hoping as a gesture of good will they actually remove it. Although theoretically they could also put a satisfied default on my file as well. The irony is that I only found out because I wanted another contract with EE. They told me I'd never get another EE contract with the AP markers on my file until it was paid off, so that's why I thought it would be resolved. Interestingly Lowell put up a proper fight after their account dropped off the CRA but you're correct. It wasn't written off! They ended up agreeing in writing "to no longer enforce the debt"
    • I'm further confused, in your defence you stated: 1.  The Defendant is the recorded keeper of [motor vehicle] And not only that, this started out as you putting the wrong registration number in, you PAID for the parking, you just made an error putting the wrong reg in? ... de minimis? That was the crux of the case, what did the judge say about that?
    • My emailed letters to P2G have been received and considered by David Jeremia Schnur who is P2G's 'Escalation and Complaints Adviser'. His response is attached. 19Apr24 David Schnur Linked In page.pdf 19Apr24 P2G email to me confirming my emails received.pdf
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • Not prosecuting in the public interest seems to be bandied about on forums frequented by students. I don't think I've ever seen a prosecution not go ahead because of that. You would have to define why it isn't in the public interest to prosecute someone who isn't paying their way and is costing other travellers more. I can't think of a reason. HB
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    • 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
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Me & minicredit


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I had a loan 2 months ago with Minicredit (i know very stupid), the loan amount was £400 of which i received £380, total amount repayable is £520.

 

Between taking out the loan and the payment day i became sadly unemployed which led me to not be able to pay this loan.

 

Yesterday i received a letter in the post of them telling me that my total outstanding is now £1067 and that they will be sending DCA to my house (although i dont have a doorstep so i don't see the point in them collecting it lol), the total included the £100 fee for the DCA.

 

The correspondence prior to this was 2 missed calls from them.

 

Ive sent the Trespass Rule letter from earlier on in this thread and have printed DCA trespassing letter ready for there arrival.

 

I have also sent this by recorded delivery.

 

Also i have prepared a letter requesting a full break down of charges.

 

The contract states that the card attempt fee is now listed as £5 per attempt.

 

As I am unemployed i will be setting up a £1 per month SO till I get a job and then will pay them the remaining amount up to the total amount repayable listed above.

 

Have a covered everything in regards to this issue? as the posts that stated OPs only had to pay the original amount plus 1 months interest are old, is this still the case?

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yep skelly, youre good so far. One thing i would advise is to secure your bank account, as they will try to debit anything and everything from it.

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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Did you cancel the Continuous Payment Authority on the account?

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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More to the point I take it the new card if you have one is from the same account, if so the likelyhood is the old card will still enable them to debit the account.

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

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I dont know what a Continuous Payment Authority is?

 

I got a new card and specifically requested a new number as i got stung a few years ago with a dodgy company that kept billing me card each month even though subscription had been canceled, requested me card to be cancelled but all they did was send a replacement with the same number, so this time i made sure it was a different card number.

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CPA is a lesser known bank mechanic, where even if the card is cancelled, stopped, or a new number issued, the creditor can still take money because the transaction becomes tied to the account. Not the card.

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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write your bank and SPECIFICALLY tell them NOt

to honour ANY payments to them, without your WRITTEN permission.

 

dx

  • Confused 1

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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If they have called you that much in one day, you must report them to the OFT, OFCOM and the police. Also consider issuing them a LBA. Perhaps watchdog and stella creasy MP might be interested as well.

 

Normal contact is 1 call a day during business hours.

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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That is outrageous 26 call over 2-3 a day is bad but this is outright harassment so send the following letter by recorded delivery addressed to their compliance manager marked private and confidential.

 

Ref: as on their correspndence.

 

Dear Sir or Madam.

 

Formal Complaint/Telephone Harassment.

 

As of this moment on 09/10/2012 your company has telephoned my home 26 times and on other days I have been contact at least x times a day this not only unfair and unreasonable but is causing me incredible stress and I am now terrified to answer my own phone, this action by your company now amounts to harassment of the worst kind.

 

I demand that your operatives are instructed that NO further telephone calls are to be made to my number at any time or for any reason, I require your written confirmation that you have complied with my wishes within 72 hours of the date of this letter.

 

I am now preparing a report to the Telecoms regulator regarding the misuse of the telephone system, also I am making a complaint to the OFT regarding this obvious harassment and will comment on your companys fittness to hold a Consumer Credit Licence.

 

As you are aware the matter that these call relate to is in dispute and your company should cease collection activity until the dispute is resolved.

 

Your conpanys conduct is unbelievable considering the tragic out come that has resulted due to similar harassment, on advice I think your company should make a gesture of compensation because of this unwarrented intrusion in to my life I have been advised that a sum of £500.00 is reasonable considering the effect that this has caused on my family life.

 

I have also been advised that I have recourse to law regarding the serious level of harassment.

 

This letter is sent by Royal Mail Recorded Delivery and its' receipt will be tracked.

 

They ya go Skelly get it sent, just add in the average figure for the daily call where marke x in the letter.

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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oh def harrassment

 

fire the letter 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... 

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  • 3 weeks later...

Further to my posts in regards to my issue with this company, I had sent them a letter informing them that the police will be called if they trespass on my property to get collection they did not respond top this and have now sent a second letter saying they will send DCA to my address and issuing a 2nd charge of £100 for costs of sending the DCA.

 

The first DCA did not come to my address as i am in all the time as i am currently unemployed, so the first charge is invalid since no when was actually sent.

 

This company ignores all corispondance and only calls with recorded messages, i knind of wish they did sent a DCA so i could inform them they are trespassing and the call the police.

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If any one calls just ''invite' them to leave, should they refuse then call the police stating you fear a ''breach 0f the peace''.

 

You can also tell them their charges are nonsense and they will not be paid.

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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If the send anyone will do that.

 

I have informed them several times that the charges are nonsense, did not get a response.

 

I have checked my credit agreement and the boxes for my surname and auth code that was sent to my mobile are blank, would this render the contract null and void?

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