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    • Proportional representation would be a start, but I can't see the Conservatives voting for that now they've redrawn the constituency boundaries to suit themselves. Turkeys, Christmas and all that.
    • Sorry to hear about your problem, it's horrible when people take advantage like that.   I don't want to add to your woes, but road tax is not transferrable to a new owner so when he said 'road tax is paid so I have not to worry', he was wrong. See here:   https://www.gov.uk/sold-bought-vehicle   The last thing you need right now is another problem, so I'd either take the car off the road and make a SORN declaration or tax it as soon as possible. If you are planning on making life difficult for the seller then don't be surprised if he reports you for no tax!   I hope it all works out for you.
    • I recently purchased some wheels on eBay which were located at the other end of the country. The seller was happy for me to arrange a courier to collect them and I paid him for them.   I put a request for some quotes on Shiply and accepted one from a company with plenty of positive feedback, who claimed to be insured and would only take payment once the item was delivered. I paid a deposit of £8 immediately via PayPal.   Shortly after this, I recieved a message from the courier saying that because of Coronavirus they were no longer accepting payment at the door on delivery and would instead require payment by bank transfer two days before delivery. I paid the remaining fee of £44 as requested.   The day before delivery, I get a message from the seller say that he thinks the courier has collected the wrong items. I contact them immediately, and yes, they have collected the wrong items. They tell me that the seller was not present when they collected but had left a message at his works reception directing them to collect those items (the wrong ones). After I point out that they are wrong, they stop texting back.   I then get a message from the seller asking for my phone number so that we can figure out what to do. I send it, but have heard nothing from him since.   Today, while I was out, the courier has delivered the wrong items to my house an hour earlier than expected and my son has accepted them.   So, I wonder how to sort this out...   No doubt the courier will argue that they have done as directed and are not to blame. The seller will argue that he did not leave such a message/the courier misunderstood and he is not to blame either. So I get the sinking feeling that I will end up having to foot the bill for the wrong items to be returned AND the right ones to be delivered - only tripling the delivery cost!   Any suggestions??
    • Hi All, before I start I know there are similar threads of the topic I am raising, and each, of course, has its own unique scenario, which may benefit others. My case is as follows: 1. I saw a gumtree ad on the 16th of Oct 2020 for a Mercedes E220 CDI, priced at 7,500 2. I called the seller and said I will come over on the 17th of Oct 2020 to view. 3. On the 17th of Oct 2020 I went to his place where he is working and viewed the car. He is working for a major car rental company. I checked the car and of course asked the normal things to ask e.g. any insurance write-offs, loans, accidents, etc. The seller said the car is clean etc.no loan, he had a loan but all is paid off etc. and he has the papers. 4. I negotiated the car price to 6,800 because the rims were showing some signs of damage, the rear light had a small burst, cosmetics, etc. I checked all but did not see any sign of damage to the car (it's a black car, the car was a bit dirty, and the sun was already setting in) 5. We agreed on 6,800 and decided to purchase the car. We went into his office, where I paid cash, and also got a Car Sales Invoice with all details of the seller, and a V5C green slip 6. I purchased car insurance and drove off. I asked him about Road Tax and he said Road tax is paid so I have not to worry, just need car insurance. 7. On 18th of Oct 2020 I cleaned the car interior because it was really dirty inside - it took me a few hours so decided to clean the exterior the next day 8. On the 19th of Oct 2020 I went to clean the exterior and after the car was clean I noticed some parts were resprayed. I became a bit suspicious; so on the 19th of Oct 2020 in the eve, I went on the internet and run an HPI check. The outcome from the HPI did not show any accidents, insurance write-off but an outstanding Loan with Moneybarn. At this point, I thought maybe the database is not updated, etc. 9. On the 20th of Oct 2020, morning, things were going through my mind; the seller said the car is clean, no issues, no loan since he settled all etc. but the HPI reports say there is still some outstanding loan. So what I did, I called Moneybarn, and explained the situation, and gave them the contract number as well (since it was displayed on the HPI report). They said they will send me a form by email, but they cannot share any information due to Data Protection (GDPR). fair enough I thought, but what made me boil, they said they OWN the car! So, I took the car and drove to the seller where he is working. I confronted him. He said don't worry, I will handle it, he has no time, he is very busy and bla bla bla. I said what reasons do I have to trust you, you lied, and now you say you still have a debt, etc. So I said I will not leave until he has settled the debt, or repay me my money. I also asked what is outstanding, he said around 7,000. Well, since I confronted him at his workplace he may have felt the heat, he assured he will settle all soon, I said sorry, I need a date, so I said you will settle the debt with Moneybarn by 23 Oct 2020, if not, you will refund me my money. He said Ok he will do it, so I said, since I don't trust you, you will sign a piece of paper, and sign it. On the paper, he wrote "I will clear the debt for the Mercedes by Friday" and signed it. I said I am not happy and added the debt details with contract number, and also a clause that if he fails to settle the debt with Moneybarn by Friday the 23rd of Oct 2020, he will refund me my money, 6,800, and sales of the car Mercedes, license plate, will be void. Also, I said to put an initial on each amendment I made with signature. He did, and I left. 10. On 22 Oct I sent him a message, to remind him to settle the debt by Friday 23 Oct 2020 noontime and also I outlined some legal jargon I had to sent that I received from citizensadvice. 11. On 23 Oct, morning time, I received a message from the seller, he said he will not/cannot refund me the money, not to visit him at his office or place, and that he feels threatened by me. 12. Now, the dilemma/headache; a). I received the form from Moneybarn on the 20th of Oct 2020 and I have to send it back within 7 days b). the seller send me a message he will not refund the money c). is the seller holding the title with Moneybarn or did he also buy and not knowing there is an outstanding loan on it d). did he sent the V5C to DVLA since I have the green slip? e). Shall I fill in the form and sent it to Moneybarn? f). If Moneybarn has all my details they may send someone to repossess the car? 13. I decided, I will not undertake anything yet, because my mind said, go there, confront him, park the car in front of the company since I purchased it there and signed all paperwork in their office, they will call the police, the police will come and surely will not do anything but will force me to remove the car and park somewhere else, record all on camera, take all evidence, sent to Moneybarn and at the same time to the seller's employer (when I asked him to sign a letter he will settle the debt by Friday 23rd of Oct 2020, he used a paper of the car rental company, and on the back, the logo of the rental company is displayed clearly and he may have acted on behalf of the company to sell me the car, after all, I don't know if he holds the title with Moneybarn - well, this is an excuse for me to even sue the car rental company, or blacklist him with the company he is working for since it seems he is some type of manager there and he may have acted in the capacity as a sales person to sell the car to me on behalf the company....). 14. So on the 23rd of Oct 2020, I didn't do anything like described under 13....it's not my style as such I called AWH solicitors, explained all, and they said one person is specialized in dealing with such cases and will call me back after studying my case and inform me if it is something they can fight or not. So they will call me Monday the 26th of Oct 2020. I also said I want to go now and confront the seller, but she said better wait till Monday, and if they can fight the case, they will tell me the next course of action - but my funds are limited and cannot afford a lengthy battle, because if no case against Moneybarn means I will have to sue the seller to the court which will cost me. The car has comprehensive insurance and with all this saga I added on the 20th of Oct 2020 also legal insurance on top. Lengthy story, but I am trying to be as detailed as I can, and yes I should have done an HPI before buying the car, but I am from Holland and car sales work there a bit different, and this is my first time I buy from a private seller. Well, once I have sent the form to Moneybarn, I will park the car in a garage, and at this stage, I am renting a room in a house (there is one more tenant). Since I am from Holland, I am planning a trip within 2 weeks to visit my family and I will drive down with the car and in the meanwhile wait if the solicitor can be of any help. I need some advice though, I am still planning to drive down to the seller on Tuesday after I talked with the solicitor, park the car in front of the company, and confront the seller, and try to record all. I will also try to make him sign a letter that I purchased the car in good faith from him (regardless if he holds the title with Moneybarn or not but at least I purchased in good faith from him). Evidence that I have: 1. Car sales invoice 2. Paper that I made him sign 3. Gumtree ad; I could retract this from google history, but the original add removed from gumtree. At least I can show it was advertised 4. I tried to create a history of past owners, total owners including me are 5. It seems the car was also posted on gumtree before by a company in Essex (I saw on google). The reason for doing this, it is very likely that the seller purchased the car from someone else with an outstanding loan. Since then I read a lot on the internet, so please any advice is welcome to pursue my case, I paid a lot and at least I want my money back. Also what I read so far, Moneybarn is not easy to deal with...thanks in advance for any advice I can use for my case.
    • Hi   I think you need to check not just the serial number but what Meter Point Reference Number (MPRN) as the MPRN is what is registered and energy supplier go off as well as the serial number.   So you need to see what the MPRN is as well as the energy supplier it is registered with.   If you look at this Ofgem link: https://www.ofgem.gov.uk/consumers/household-gas-and-electricity-guide/connections-and-moving-home/who-my-gas-or-electricity-supplier   In the above link to do this check it gives a link to:   Find My Supplier: https://www.findmysupplier.energy/webapp/index.html (note you may have to complete a captcha, then input your postcode only and click find my address, when the list comes up click on your exact address, you will then see you actual MPRN and the energy supplier linked to your address)   With the above make sure and take the details of the MPRN and the Energy Supplier, better still take a screenshot/pdf the webpage.   Please let use know if on doing the above it matches your current supplier?  
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
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      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Hi folks.

I have just had my SAR letter returned saying that there was no cheque for £10 inside.

 

 

I enclosed a P.O. for the amount and following a caggers sound advice I photographed both sides of the P.O.

with the letter it was also marked for SAR only.

 

 

The letter was sent Special Delivery and received just over a week ago.

 

 

Should I wait until I find out from the Post Office if it has been cashed before I re-apply, cancel it now and ask for a refund

 

 

or should I just write back to Barclays with a copy of the photographs enclosed?

 

 

Thanks in advance.

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Do both Post Office & Barclays make sure you keep copies of all correspondence.

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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  • 1 month later...

Hi folks,

I have been dealing with another debt on this forum and mirroring the advice given with this debt.

 

In the last couple of days I received a reply from Cabot about the CCA request I made last week.

 

They stated that they have requested the info from the original lender?

 

I had the NOA when Goldfish sold the debt a few years back.

 

The debt refers to a credit card taken out about 13 years ago and I can't remember if I applied online for it.

 

I know I don't have any of the original paperwork from that time and when I SAR'd Goldfish all I got back was a letter saying there wasn't a cheque with the request.

 

I am still waiting to hear from the P.O. if my postal order was cashed.

 

Do I send an "Account in dispute" letter now or wait until the 12 + 2 days is up?

 

Got the feeling that I might have been milked more than a herd of cows!!!!!

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Wait for the 12+2 days then send the dispute letter.

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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Check your credit files, see if this is on there, doubt it given the length of time.

If it isn't just ignore them, unless you have paid anything within the last six years on this?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi Bazooka Boo.

Debt is on there showing as Defaulted which is correct. Had NOA from Cabot and have been paying regularly. ( Please don't shout at me about that.) As a lot of people I have only been aware of havens like CAG for a short time and am still learning what options there have been available to me. Have already SAR'd original lender, see post 1. I know I paid PPI which Goldfish told me to stop when I took voluntary redundancy and first got into financial difficulty. As you know you can't claim on PPI for that. As an aside, what cap badge is that on your avatar? Looks like R.A.

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Yes it is R.A.

 

How much are you paying them each month?

 

How much of the total balance is fees/charges that you can reclaim?

 

When did you default on this?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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As cannot has replied saying they are looking i am not sure if i would even send the full account in dispute letter. At most I would send a letter saying as they are in breach of your s78 request you will ne ceasing payments until such a time as they can validate any liability.

Any opinion I give is from personal experience .

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PS I have a goldfish card with cabot and they wrote back saying can't find the agreement and won't bother me again.

Any opinion I give is from personal experience .

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Hi folks,

Bazooka: Paying £20 pm, am waiting to find out how much is due to charges/fees etc. Went into default Feb 2008. Sold to Cabot a couple of months later. Been paying them since then minus a few missed payments.

Fletch: I live in hope that they will do the same with me but I am not holding my breath.

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Hmm, I would be inclined to drop those payments to £1 a month...

£20 a month seems steep, especially as this is a non priority debt and there will be fees/charges to reclaim...

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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If they can not produce a cca and admit as much why pay anything at all. £1 a month will just keep the debt alive for ever. Then when you die they will have a preferential claim on your estate if there is one.

Any opinion I give is from personal experience .

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Hi folks,

We all live and learn. I have never doubted I owe the money to someone and thought I was doing the right thing. Didn't realise that people like DCA's acted the way they can and do. I just wanted to be debt free, it was the way I was brought up. As it stands they won't be receiving any more until they prove they own the debt and the CCA request is satisfied. As for when I die I will await a doorstep visit from one of their agents. Don't know where I will end up. Either way they will have to get past the doorman.:lol:

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It isn't clear whether they can or can't provide the CCA yet?

 

If they can't provide one, then yes put the account in dispute and stop paying. But they should be given the full time limit in which to respond before stopping payments.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi Bazooka,

The time limit for the CCA and my next due date for payment are about the same time. Meant to get the CCA off sooner but life got in the way!!!

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Hi Nailpost,

In the scheme of things it might not make any difference. On the other hand could they make me bankrupt due to the amount I owe, if they prove I owe it? If they do prove it I can't afford to take that route. I want to take one step at a time but look four steps ahead. Plus if everybody stopped paying what they owed where would that leave the country? In the middle of a triple dip recession where the bankers get huge bonuses? No thanks but I'd rather be in the nice fiscal state we are in right now. Off to pack my backs to count my money in the off shore accounts in Cyprus.

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I wouldn't even begin to worry about the finances of the country, if needs be they can just print more money, money is false anyway, we've just been lied to about it.

 

When the time runs out for them to supply the CCA then send the account in dispute letter, and stop paying.

 

What is the total amount on this owing?

 

Bankruptcy is miles away and their is lots of hurdles they need to jump in order to satisfy the court before doing so, so you can forget any notion of that for the time being.

 

They will need to have all of their ducks in order way before that, and if they fall at the first hurdle and fail to supply the CCA then BR is a non starter.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi folks,

Don't know if it has any bearing on this but I have been looking at the paper work that I have kept. Debt was assigned to Cabot in April 2008 and it was only in October 2008 that they served me with the Default Notice. Would this affect the case? Thanks in advance.

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Default and termination from the original creditor, then sold on to whoever so check the dates.

 

money is false anyway, we've just been lied to about it.
(touch of fotl there R?)

Illegitimi non carborundum

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That is extremely suspect, a BOA sent in April, followed by a DN in October?

 

Definitely a cause for dispute, and most certainly a cause for a formal complaint to Goldfish, and Cr@pbot get nothing, if you wish to send them a 'no debt acknowledged' or 'In dispute' letter then by all means.

 

But Goldfish are the ones who need to be brought to book here..

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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So according to that you were defaulted by crapbot? not the oc?

ooh, love it,

as BB says, NOA in April followed by DN in October.?

Dispute all the way....

Illegitimi non carborundum

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