Jump to content


  • Tweets

  • Posts

    • Hi All    Hoping for some advice if possible.  I will try to be as concise as I can so I will bullet point, hope this doesn't seem rude.    My Ford Focus 2.0 TDI Powershift 83k miles   *had a major service and an automatic gearbox oil change on Friday 4th October    * Saturday 5th October - had been out in-car driven 30-mile round trip with about 10 hours in between, when I got home the radio and dashboard wouldn't turn off as it usually does when you switch the ignition off and open the driver's door. Tried to switch the radio off manually no joy, after about half an hour it just went off on its own. Didn't think much more of it.   * All was well, travelled to work and back on Monday and Tuesday a 20-mile round trip each day   * Wednesday on the way home started the car and it made a funny noise so I tried to turn it off and it took me several attempts to switch it off.    I left it a couple of mins and switched it back on and all seemed well again. After about five mins of driving it came up with hill start assist unavailable, so I thought I would take it back to where it had been serviced. After about another 10 mins it went into limp home mode and came up with a message saying transmission not fully operating (or something like that).    * AA came out and plugged the computer in said that it was bringing up a fault on pretty much every system in the car but when he tried to get into the in-depth diagnostics it kept kicking him out.   The transmission message cleared and the aa offered to follow me to the garage which they did, the car drove ok again for about 15 mins then went back into limp home mode.    * Car has been at the garage since close of business Wednesday, I have rung for an update each day to be told there was nothing until today when I expressed a bit of frustration at this was rang back and told it is probably something to do with the clutch but not sure yet.   * Apparently they have a gearbox specialist in for a 2nd opinion today and should be able to get back to me tomorrow.    So my questions are:   1. Could a fault with the clutch cause all of the above problems? 2. If it is the clutch is it likely to do with the service/gearbox oil change as it was running PERFECTLY before this, I only had the gearbox oil change because I was advised to. As an aside I had to have a new gearbox put in while the car was under warranty as it malfunctioned.    I am honestly grateful for any advice, as I'm just feeling really fed up at this point and the garage are giving me the least possible info they can give me.    Thanks :-) 
    • Hi,   My friend was being bullied by a manager who kept saying that anonymous people were complaining about her, she is asian and the minority where she works, she raised concerns in her meeting that she felt it had something to do with her race and gets treated differently to the rest of her colleagues due to off the cuff comments previously made and was told by her manager that as a minority she has to prove herself more as a minority in life and thats unfortunately the way it is. Following on from this they’re were more anonymous complaints all revolving around her attitude when speaking to the anonymous individual(s), she then had a meeting with hr initiated by her managwe and expressed her concerns, no outcome was given as the hr person said it was informal and a week later she has been told that she is being made redundant, my question is there were no specific incidents mentioned and my friend is still confused exactly how this came about but suspects it’s her manager who has taken a disliking to her, is this lawful?
    • Thanks for advice . I have spoken to the ICO , and their opinion is that there “may “ be cause for complaint . In the first instance I should write to the hospital (CEO)citing GDPR, giving them 30 days to respond . If the response is not to my satisfaction , then back to the ICO to raise a formal complaint . The ICO also suggested copying in the GMC with the complaint , I feel at present that is one step too far , perhaps I will sit on that until I get a reply from the hospital.
    • Thanks ethel and stu007   Yes, we had the kerb double dropped so me and my partner can park off the road. Before , just had one, and idiot would park in middle of properties so couldn't fit two cars on road outside. Has been issued a good 3 or 4 PCNs for obstructing since done. Its the back of the car, sometimes as far as a wheel but has a long boot/bumper which hangs over, so its not fully over. Recently seems to be as far as can without getting a ticket.   CCTV - shall read up thanks. Oh also, when I say 5 CCTV, that is 4 on property (100% out of boundary) and 1 in car which is lit up all night.   Does this count as harassment? The initial start of this thread, about 6 threatening letters asking me to pay for vehicle damage or court (nothing came of this) The constant parking annoyance (going on a couple of years) The loud music, witnessed by Env heath officer but not quite loud enough for notice, so letters sent. Paint 'accidentally' spilled on road outside my property (because was parked over our drive at time) Letters about rubbish outside my own garage at rear of properties and the 4 screws attaching bamboo to his fence. Then reported me for fly tipping, didnt go anywhere as officer agreed wasn't causing an issue. I have since sorted the screws and bamboo and idiots fence is literally falling apart. Concreting over 1/4 of my grass in rear lane whilst doing own part. Stupid things like having a BBQ and the parasol sticking way over the fence into my garden. All very subtle and annoying things to cause issues, without quite breaking the law.   The council are aware and claim powerless as own properties and the police pretty much are not interested.   What can be done?    Cheers   E!              
    • Hi, any thoughts on this would be greatful, will send tomorrow i think.. letter_15th_oct.pdf
  • Our picks

Guest Porkwellington

capquest offering discount on Halifax [LLoyds] credit card debt

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2441 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Guest Porkwellington

Without hincriminating myself - or indeed selling myself short.

 

Hi Folks

 

I have just recieved 2 letters from Capquest and associated solicitor regarding a Lloyds TSB debt of just over £3k;

 

The solicitor letter is threatening potential court action if I do not respond by the 15th Jan;

 

The Capquest letter is asking me to call a number to discuss a settlement figure before the 25th Jan.

 

It's very tempting to pick up the phone and sort this out - but - I know that this is the completely wrong thing to do as I should "only deal with these people in writing"... they have also added that "once the payment has been received and cleared, your account will be closed and your credit file updated to show that the balance has been satisfied with a special flag of partial settlement". I don't like the sound of a "special flag".

 

The questions I have are:- what should I ask for;

a suggested settlement figure of say £2k;

for them to come back and suggest a figure;

remove that sinister looking "special flag" and replace it with something altogether of a fuller and more final settlement nature;

just clarify what they mean by a special flag;

is the flag a red herring?

 

I'm just drafting out the header etc to the letter and a quick line on why I'm writing and not calling - my leaning is towards asking them for clarification on both points that way I can always go back for more... what do you think?

 

Thanks in advance - Andy

Share this post


Link to post
Share on other sites

I think they are just attempting to make it "look good" - there is no "special" flag. They will just mark that a partial settlement has been made.. sigh.

 

You really need to keep off the phone and demand everything in writing, especially as litigation is being threatened. You could actually write and advise that you would be willing to enter into negotiations in order to see the back of this. However, as litigation has been threatened you are not prepared to discuss anything on the telephone where the outcome could later be either misinterpreted or denied !

 

Why are CapQuest and LTSB on this, has it not been assigned and CQ are only acting as collection agents ?

 

You would want any settlement agreed with LTSB if they still own the debt - you would require, in writing, their assurance that they would not then sell on any outstanding balance and that it is indeed a full and final settlement with no outstanding balance. This has happened before!!

 

What kind of dispute do you have with this ! Almost certainly, if you enter into negotiations you are admitting liability so you would need to qualify that if they did proceed with litigation as threatened, you would be defending their claim vigourously.


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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Share this post


Link to post
Share on other sites

Are there any default charges on the account, are their major problems with the default notice, agreement, have been treated unfairly ?

 

If so, then I would start as low as possible.. say around 1/3 of the outstanding balance and see what their counter offer is ?

 

Would you be able to repay in one lump sum or would you require installments over a period of 3 - 6 months ? You need to mention all this.


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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Share this post


Link to post
Share on other sites

Use the wording this offer is made on the understanding that I do not acknoledge any libility in this matter and that any remaining balance is not sold or assigned to any 3rd party.


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:

Share this post


Link to post
Share on other sites
Guest Porkwellington

Thankyou very much for all of your suggestions and I'll let you know how I get on and what their response is.

 

Kind regards - Andy

Share this post


Link to post
Share on other sites

Before you pen that letter Andy

 

What type of debt is this CC PL OD? Have you ever requested a copy of your Agreement vis a Section 77/78 request?

 

How old is the debt and when was last payment or Acknowledgment made?

 

Have you checked your Credit files..does it show ?...who is the Creditor?

 

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 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

Share this post


Link to post
Share on other sites

offering a discount means - you prob owe NOTHING

 

is this on your CRA file?

 

partial settlement marker is as bad as a DEFAULT.

 

get your CRA file pronto please

 

see below

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites
Guest Porkwellington

The CRA file is showing the amount as a debt and owned by LTSB. Capquest hve come back with an offer representing a 25% discount which I'm planning on accepting if you guys and gals think it reasonable?

 

I have drafted the below note to accept the offer - could you have a look and see if I have left any gaping hoes anywhere please....

 

 

Thankyou for your offer regarding the full and final settlement figure of £XXXX.XX as outlined in your letter of the 31st January.

 

My current lines of credit allow me to just afford to take you up on this offer; again on the understanding that I do not acknowledge any liability in this matter.

 

I'd like to seek assurance that; this is in full and final settlement and that any outstanding balance will not be sold onto another third party - from yourselves as well as LTSB. Also that any money should be paid direct to LTSB.

 

I hope that we can conclude this matter on provision of the above assurances and bank transfer details.

 

Kind regards - Andrew.

Share this post


Link to post
Share on other sites
Guest Porkwellington
Before you pen that letter Andy

 

What type of debt is this CC PL OD? Have you ever requested a copy of your Agreement vis a Section 77/78 request?

 

How old is the debt and when was last payment or Acknowledgment made?

 

Have you checked your Credit files..does it show ?...who is the Creditor?

 

Regards

 

Andy

 

It is a credit card debt, last payment December '09 - owned by LTSB

 

Sorry about the tardy responses - I've been away - though that's really no excuse...

Share this post


Link to post
Share on other sites
Guest Porkwellington

m I jumping the gun by accepting the offer... I don't believe that there is a PPI problem by the way....

Share this post


Link to post
Share on other sites

Andy,

whatever happens now that offer is going to be available to you.

 

You can only streangthen your bargaining position from this point on.

 

Please listen to what the guys are advising you.

 

Its in your best interest to make sure that the amount they say you owe is genuine and that there are no unfair charges or miss sold PPI etc.

 

Make them jump through a few hoops by submitting a CCA request if the amount claimed arrises from a loan or CC.

 

The more info you can give the guys, the more they will be able to tailor the advice they offer to your specific situation.

Share this post


Link to post
Share on other sites

This is from National debtline.

 

http://www.bdl.org.uk/images/24_EW_NDL_Full%20and%20final%20settlement%20offers.pdf

 

Is this debt the most urgent debt for you to settle ? Are there any other debts which should also be considered ?

 

Why accept their offer ? You could make a counter offer for a lesser sum and still expect it to be considered an F&F offer, marked as satisfied, not partial.


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

Share this post


Link to post
Share on other sites

Why accept their first offer of 25%, inform them you you can settle at 50% discount.

 

But indeed before you do this please provide all the information the folks hear ask you for,

they will steer you in the right direction.

Share this post


Link to post
Share on other sites
Before you pen that letter Andy

 

What type of debt is this CC PL OD? Have you ever requested a copy of your Agreement vis a Section 77/78 request?

 

How old is the debt and when was last payment or Acknowledgment made?

 

Have you checked your Credit files..does it show ?...who is the Creditor?

 

Regards

 

Andy

 

Andy, whatever happens now that offer is going to be available to you.You can only streangthen your bargaining position from this point on. Please listen to what the guys are advising you. Its in your best interest to make sure that the amount they say you owe is genuine and that there are no unfair charges or miss sold PPI etc. Make them jump through a few hoops by submitting a CCA request if the amount claimed arrises from a loan or CC. The more info you can give the guys, the more they will be able to tailor the advice they offer to your specific situation.

 

 

If no request has ever been made for the agreement I am astonished you are considering a F&FS....if they can not comply they may write the debt off....but you will never know ...only costs a £1 and 5 mins preparing the letter.

 

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 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

Share this post


Link to post
Share on other sites

so the debt is still owned by the OC

so time to IGNORE crapest.

 

you could CCA them,

 

i'd also SAR the OC

let findout WHY there is a discount & prob get MORE

 

bet its PENALTY charges

you need ALL the statements

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites
Guest Porkwellington

You are all right... I am jumping the gun... Not being thorough... Going off half Cocked... Basically doing all those things that got me into this mess in the first place... I shall follow your advice and will be back in touch when I have the agreement and done the sar bit.

Thankyou and kind regards.. I should know better.. Andy

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...