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    • Thank you 😊  Just wanted to prepare myself mentally incase they pull out some rabbit out of a hat with these bodyshops as they will most likely be places they've used regularly in the past and over 150miles away from where I am.
    • I see the Brexit-ish are again delaying  implementing their 'grate deal' 'protecting the UKs borders' that they pressed through with the wholehearted support of MPs like smugg - who is now one of the main moaners saying this inflation raising and business destroying 'great deal'  shouldn't be implemented. Of course 3 of the benefits of NOT implementing the Brexitish grate deal as the Brexitish negotiated are:   1. Less UK businesses will collapse 2. UK inflation NOT increased by 0.6% (hence fiddling the figures to us scraping NOT being in a Brexit generated recession) 3. The problems will be dumped in labours lap after the GE   "Analysis by specialist credit insurance firm Allianz Trade said the removal of tariffs on the goods would reduce inflation by 0.6 percentage points, and cut import costs by close to 7 billion pounds ($8.8 billion) in nominal terms."   reuters.com WWW.REUTERS.COM     https://www.reuters.com/world/uk/uk-economy-grows-by-01-february-2024-04-12/   Rees-Mogg warns post-Brexit border charges could be inflationary WWW.THELONDONECONOMIC.COM According to reports, Britain faces a £2 billion post-Brexit bill on European food imports from the end of the month.  
    • Thank you . Please stand by for a reply later on  
    • Sorry just get worried that they will make my life harder than they already have lol   Bought the car around 12th Sept 2022 for £78,000 from clinkard cars.   Performance, Prestigious and Specialist cars in Romsey, Hampshire | Clinkard Performance Cars WWW.CLINKARDCARS.CO.UK Performance, Prestigious and Specialist cars Dealers in Romsey, Hampshire Was a 2019 Range Rover with 25k miles, £20k deposit at £750pm pcp over a 4 year period.   Finance company are alphera (bmw finance) spoke to them in October 2023 about the damage my bodyshop advised me of but they told me to deal with the dealership. Paid for the repair myself as I was told the extended warranty I paid for (recommended through dealer) wouldn't cover it as it was an existing fault and not mechanical breakdown. When I got the £40k offer from the dealership they still didn't want to get involved unless I got an independent inspection done. Used Elite Forensic inspections as they seem highly rated online (more comprehensive than your average AA inspection). I just looked online for thr best inspections for customers eho hsbe alre purchased the car. Their report was super comprehensive over like 50 pages of text and photos. Comparisons to the advert photos against what the inspector saw made in clear that the damage was before I purchase it. Got the report back 10th Jan 2024 and couldn't believe that they'd picked up the level of accident the car had been in and raised an official complaint through Alphera, they couldn't come to a decision with 8 weeks so raised with FOS. Around the 7th March 2024. Small issues started within the first week of purchasing like ambient light not working on the side the car was hit and car randomly switching off completely when I'd stop at traffic lights/junctions. Dealers eventually got this sorted which I appreciate, but doesn't change the fact that they didn't check the car as well as I'd been told it had been checked and they'd sold me an accident repaired car and initially tried to say all cars have had paint due to stone chips etc. Also turns out the car had only had 1 service before I serviced the car in mid 2023 (when the service light came on the car).   So far Clinkard have had my car for nearly a month (so my wife and I hsve had yo share cars since), they've said we've taken the far to 2x garages so far to inspect it and got 1 more garage to take it to. Currently refusing to tell me what those 2 garages have said so far with the attitude of because you've gone through FOS we have to follow the correct channels and respond to the complaint through them which is quite annoying.
    • This has been playing on my mind a little so been reading. Am I right in saying that if the original debt was regulated under the CCA and below 25k they can't use HCEO? 
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      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.
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Intrum £1500 Nat West access card/C L Finance £800 1st Direct - full and final - how much should i offer

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What are these Debts?


Who with?


How much?


NEVER pay a DCA.


You need to make sure that these debts are enforceable first before offering any F&F payment, plus you need them to mark your credit file as settled, NOT partially settled where they will sell on the shortfall and you won't be any better off.

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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Intrum Justicia is for around 1500 Nat West access card

C L Finance one is for is around 800; and first Direct


one does not show on my file and one does;


they are enforceable and I do have Credit agreements for both,

I believe they both collect on behalf of the organisation.


I understand I need to ensure that they remove it off the file and make it clear in the correspondence that it is in F & F



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No real experience of offers - might need to trawl site or wait til someone comes along with advice.


More info on debts would be useful - how big, are you paying anything at moment, do they have PPi or charges on them. Until this is supplied hard to give you advice. really as per Boo's post

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Who has checked the CCA's and told you they are compliant?


When were these taken out, pre or post 2007?


Who is the OC?

And what are these for, credit cards, loans, store cards????

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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hello and thank you for getting back to me


Both pre 2007, Nat West access card and first Direct...total owed above. No PPI but charges dealt with a couple of years ago.


I think the CCA's are compliant after a massive amount of research and reading here and online. Have copies of both. Have challenged a couple of others I had.


Have been paying monthly payments for several years and just want rid of them now.

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post them up on here minus personal details, then they can be checked by those who know the score as to their enforceable/non enforceable/ NEVER TAKE THINGS FOR GRANTED, worth having them checked?

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Hi gettingsorted. I know you say you have copies of your CCA but are they ones you have asked for from the DCA? Plus as Mike770 says post them them up, with all personal details removed, and let the more experienced Caggers have a nosey.

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Thank you all for your comments but I only asked for suggestions for full and final offers. I decided a long time ago not to even try to fight these especially as far as I could see after lots of research that they were enforceable. I am not in the right place mentally to start fighting them now after all these years. I appreciate your offers of help and should I decide to challenge them I will post here for more advice.

Again thank you very much for all your advice and comments I am sorry that I am not up to fighting them.


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Whoa there. Who said they were enforceable? Theres a lot more to enforcing a debt than having a compliant cca.

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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Sorry to see you are not up to fighting. If you just take one step at a time it is not so much a fight s a great learning experience which when finished can be used to help others which is very rewarding and is what a lot of people on here have gone thro'. Certainly not got a lot to do - when I was fighting the banks the advice on here allowed me to distance my self from the problem and it was just like being a conduit between the good folk of CAG and the nasty folk at the banks and immediately felt in control.


Good luck and please stick around.

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GS what shows on your credit files for these accounts?

When was the last payment made?

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

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Hello all - (hi Brig)


Have just checked all my credit file with experian, equifax and check my file and can't see either of them showing now. This has changed in the last couple of months as the FD (paid via CL was definitely showing) . The other one never has.


Will check my paperwork tonight to see the rest of the stuff - monthly payments being made.

Can't remember if the debts were sold or not.


Speak to you later.


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  • dx100uk changed the title to Intrum £1500 Nat West access card/C L Finance £800 1st Direct - full and final - how much should i offer
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