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    • Thousands more passengers could face delays or cancellations after an arson attack on France's train network on Friday.View the full article
    • you never use or give an email  2nd class stamp with free proof of posting from any po counter dx
    • Much appreciated for the ammendment. The snottier the better right!   What I am assuming is that this response is to be posted to Gladstones? However, I am seeing some users sending this as an email instead, which is a little confusing.  If we're happy with this response, what would you suggest is the best way to send it over to them (post/email), and is there anything additional I could include (if necessary)?  Thanks again! 
    • Hi I've read through other threads to better inform me of the process from here onwards. When I put in the MoneyClaim it gave me a claim number and it currently says to wait for the defendant to respond, they have until 7 August.   It seems their most likely action is to extend that a further 14 days to about 21 August - this hasn't happened yet, of course, as it is only 27 July but I'm anticipating that may be the case. when the expected defence action is taken by EVRi I will need to submit DQ with these responses A1 - no mediation B - my contact details C1 - yes to the small claims track D1 - No.  If No please state why.  I believe the defence will provide some rebuttal to the particulars of claim and so I need to include details as to why the claim requires a hearing.  Is there some certain templated text I can include here or will it vary depending on what the defendant comes back with? I see on the form it mentions the following: Relevant reasons include that there are factual disputes which will need the judge to hear from witnesses directly or the issues are so complex they need to be argued orally.  Hoping to reach out to see what may be the most effective statements for D1 reasoning. E1-5 are pretty straightforward. I want to get ahead of things and be ready to take the next step so I appreciate what advice you may have about the DQ.   Thanks!  
    • Rachel Reeves is set to reveal a public finances shortfall of billions on pounds after a snap audit.View the full article
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    • If you are buying a used car – you need to read this survival guide.
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    • 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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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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CapQuest being reasonable?


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Hello all, I'm new here so I hope this is the correct forum for this...

 

I got into some debt with Lloyds TSB Credit Card (demanding ex, long story).

The debt was passed onto BSL that I've been paying for a number of years at £36/month

 

Recently, I got a letter from CapQuest to say they'd taken over the debt

(I also received and very fake looking letter from Lloyds TSB on the same day to say that it'd been passed over)

 

Why would BSL pass my account over to CapQuest when I'd been paying it?

 

So, I sent a letter requesting the original agreement to CapQuest (Using a template letter)

 

Today they wrote back simply saying they'd requested a copy of the original agreement from their 'client' and a copy of those will be sent to me once they have received them.

 

I wasn't expecting that.

I was expecting a letter demanding money NOW etc. etc.

 

What do I do?

Carry on with letter 2 (due to be sent on Monday) or wait and see what happens?

 

Thanks for your time.

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toxic debt probably

littered with PENALTY charges & / or PPI?

 

what dea your cra file say about it?

 

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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If you were in a payment arrangement with LTSB, then CapQuest are not allowed to demand more than you were paying already.

 

 

Are there any default / penalty charges on the account that could be reclaimed. Was there any Payment Protection Insurance on the account that might have been mis sold.

 

You ask why the account has been sold when you were making the payments to LTSB. This is standard practice, banks do not like to carry delinquent accounts on their books. Once sold/assigned, they can write if off to tax and get a payment from the Debt Purchaser as well.

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

1: How can BCOBS protect you from your Banks unfair treatment

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

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  • 2 weeks later...

I'm sorry. I didn't see the replies I had received to this thread.

I'm not sure what is meant by "default / penalty charges on the account that can be reclaimed". The only thing I suspect is the interest is building up!?

 

So, I wrote to CapQuest asking for the CCA using a letter very similar to a template letter one.

 

They wrote back not long after saying my request has been forwarded to their client, Lloyds TSB.

I wasn't expecting a reply, which was the basis for my first post. SpamHeed suggested there that I hold fire with any further communication. So I did.

 

I got a letter this morning from Lloyds TSB with an enclosed agreement.

Upon closer inspection it was for the wrong account!

I had a credit card, which is what CapQuest want to get hold of, and a loan, that I've been repaying in instalments.

They sent the agreement for the loan!!

 

They have clearly asked Lloyds TSB for the wrong agreement, despite all written communication prior to this morning's letter referring to the correct account and account number.

 

Why would Lloyds send the wrong details? Is it all they hold on me??

 

What should I do? Start again with letter one or wait for CapQuest to realise that they hold (presumably) a carbon copy of the wrong account details?

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send crapest the failure to comply letter

stop any payments

 

they've exceeded the 12+2 working days limit.

 

is this on your credit file?

 

see below

 

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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cra file is free

 

yes its a very important tool with regard to how

the industry sees you financially.

 

if a debt does not show on your CRA file

i'd be starting a serious investigation as to WHY.

 

Credit Reference Agencies:Experian Equifax CallCredit noddle

 

 

Sort Your Debts Now - -

here

 

Start Your Own Thread - HERE

 

 

1. Single Premium PPI Q&A

Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges Read Here

4. Ins & Outs of PPI & interest : click_here

5. Feel Bullied by Creditors or Debt Collectors? Read Here

6. Staying Calm About Debt Read Here

7. Thinking of a Full & Final Settlement? Read Here

my views are my own...seek legal advice if ness

NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone

- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.

 

 

 

Please consider making a small donation to help keep this site running

 

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

 

DX

RIP Martin3030

rant.gif

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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I had no idea there was a FREE option!!

 

Having a little trouble finding the failure to comply letter template but I'm still looking.

 

I've learned something new today. Always good.

 

Cheers. Thanks again.

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http://www.consumeractiongroup.co.uk/forum/content.php?436-Failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

 

Failure to comply letter in link above.

 

Default / Penalty charges are those punitive sums they add to your account for making late or missing payments usually set around £12.00.

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

1: How can BCOBS protect you from your Banks unfair treatment

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

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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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hehe CB did it for me!

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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Share on other sites

HUGE thanks, citizen.

I followed the bank charges debate a few years ago and, as far as I was aware, the case was won by the banks. Basically that suggested to me that banks would no longer honour requests to have fees returned! I seem to be in the wrong again... :oops:

 

I have another interesting problem now.

After following the link to Noddle for my free credit file, my debit card is not allowing me to be identified.

I have lived at my current address for just over a year but I can't help but wonder if my debit card is still linked to my previous address! The bank write to me at my proper address, however.

 

Is there a way of finding what address my debit card is linked to. I assumed, as they were writing and sending statements to the correct address, my debit card will have followed suit.

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HUGE thanks, citizen.

I followed the bank charges debate a few years ago and, as far as I was aware, the case was won by the banks. Basically that suggested to me that banks would no longer honour requests to have fees returned! I seem to be in the wrong again... :oops:

 

I have another interesting problem now.

After following the link to Noddle for my free credit file, my debit card is not allowing me to be identified.

I have lived at my current address for just over a year but I can't help but wonder if my debit card is still linked to my previous address! The bank write to me at my proper address, however.

 

Is there a way of finding what address my debit card is linked to. I assumed, as they were writing and sending statements to the correct address, my debit card will have followed suit.

 

 

If this is a loan or credit card then the outcome of the Supreme Court hearing on bank charges will not be applicable and you can make a reclaim.

 

As for the noddle thing, dx should be able to answer that..

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

1: How can BCOBS protect you from your Banks unfair treatment

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

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bank charges yes

all other charges

credit card

catalogue

loans

mortgages

 

all reclaimable

as well as PPI

 

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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