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    • 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 needing you around and cause 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 taken 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. He 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 that 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. I think 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 your 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.
    • Well done on getting your refund and thanks for the update. I understand that you are still out of pocket. If you would like to get that money back and we will help you and I think it will be fairly straightforward. The amount of money outstanding is scarcely worth his while causing any trouble. It would be very helpful if you could post up a link to the new advertisement and also do you have any pics of the car and also its registration number please. I think we owe this to possible new owners in case they come to this forum.
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Advantis demanding £11K SLC Overpayment


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I have been pursued by Advantis since November for an over payment of a grant to the sum of £11,600.00!!!

 

This is the full amount of the grant I was awarded nearly 5 years ago.

 

I dropped out of my course 4 months before its end date due to various personal reasons

so can appreciate I amy owe a percentage of my grant but not all of it!!!

 

My student loan that I had is being paid back via my salary so that is not a problem

(I say with baited breath) though I have not had a statement in sometime.

 

I have been requesting via email since this began proof that the full amount is due,

but they keep coming back to me to say I have to prove the dates I attended university.

 

Surely this is information that they can get quite easily?

 

I spoke to one of our legal team at work

he tells me the onus is on them to prove I owe all of this money and not on me,

so where do I go from here?

 

I have quite clearly told them that once they can show me how much if any is owed and reasons why

then I am prepared to make arrangement for paying this but not until I get this in black and white.

 

Am I doing the right thing and can they send in the heavies???

 

I am really worried about this as I do not want another CCJ or a charging order,

 

my finances are just about getting sorted and this would be a disaster

and I also dont have £11K lying around!!!

 

I am having trouble with this lot too!!! When I received a call from them I sent them an email instructing them to remove my telephone number from their system and that I would be reporting them for harrassment if they call me again. I received an email saying they wouldnt call again and so far so good, I just get stupid emails which make no sense. Ask them via email for proof of your debt, I have been asking since November and they still havent provided it, they keep asking me for information!?!?!?!?

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Ignore them. THey are obvious bottom dwellers who rely on uninformed and gullible people to make a profit.

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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ruddy fleecers!!

 

they are just chancing their arm you are a mug

you prob owe NOWT.

 

they are NOT BAILIFFS

and have NO SUCH LEGAL POWERS

 

i'm sure that the UNI

would of done court YEARS ago if this debt was real!

 

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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"We write in reference to your recent correspondence regarding an account you hold with our client,

Student Loans Company.

 

We can confirm that a copy of the credit agreement can be obtained for a fee of £1.00 from our client.

 

We note that you have been in contact with our client regarding this issue

but have not yet passed on any details of this dispute to us in order to be able to assist you further.

 

We politely request that you provide all details of your dispute including any copies of correspondence

that may exist so that we may pass this onto our client for their assessment.

 

Please note that your account is now on hold for 14 days to allow time for you to contact us.

 

Please be advised that if you fail to contact us within 14 days then your account will be returned to the collections process.

If you should have any further queries please do not hesitate to contact us on 0844 55 65 440."

 

This is the latest email from them, the 14th since 19 Nov, also had 3 phone calls and several letters. I have replied to this like this

 

"Please see my previous email and unless you prove the debt is owed I will not be entering into further discussion

the onus is not on me to prove whether a debt exists,

 

I have yet to see one piece of evidence backing this up yet I have asked on numerous occasions, all of which are documented.

 

Any information regarding the disputed debt should be obtained from your client and the question is raised as to why if the account is in dispute you are dealing with it.

 

These emails will continue like this until you and/or your client provide evidence of the debt."

 

Please can someone help with this as I dont know where to go from here but this is really causing me stress and I can't sleep through worry!!!

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ignore them now

 

they are not the owners anyhow .

 

i would read a few thread s regarding LINK/THESIS

 

seems like AK are the latest ones to 'branch' into SLC loans.

 

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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Another email from them - this time just put into their "special file" and no response given!

 

"We write in reference to your recent correspondence regarding an account you hold with our client, Student Loans Company.

 

Please note that we have requested documentation from our client and are awaiting their response; however in the meantime we must continue with collection as this is a grant overpayment and is owed for reasons we have previously mentioned to you.

 

We request that you provide us with details of communication with our client and any other crucial details pertaining to your account. Please note that you are welcome to contact our client to discuss your account but we request that you provide details of your communication.

 

Please be advised that your account is on hold whilst we await a response from our client. Please be advised that after we have received a response our collections process will continue.

 

If you should have any further queries please do not hesitate to contact us on 0844 55 65 440"

 

They have never mentioned any reasons which is quite amusing, but I shall let it runs its course and should they initiate MCOL/County Court proceedings I shall be ready!

 

I will keep you informed of developments as I dont think this will be the last I hear from them.

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good move!

 

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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