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    • thank you. Under the Consumer Rights Act you are entitled to have a vehicle of satisfactory quality.   If a defect appears within the first 6 months of ownership which means that the car is not satisfactory then you are required to give the dealer a single opportunity to repair or else refund you.   So the question is what condition would a car of that make model, age and mileage and price be in.   I think the best way forward is to raise the issue with the dealer but also start to make your own researches as to whether the rust damage to this vehicle is beyond what would be expected of a vehicle of that character and in those circumstances.   When you have discovered. then come back here.   Additionally, you haven't told us the cost of the vehicle. that would be helpful to know because it will affect the quality of vehicle that you would reasonably expect.   Also I asked you the name of the dealer and you haven't told us. Are you trying to protect them?                
    • Thank you Slick132. I don't have in writing how long the actual works themselves would take but believe they said it was two weeks.   I spoke with CAB earlier today and they've said I can cancel this order as the company are already in breach of the terms, plus catching them out re the manufacturer's and the buildings regs she said to put in writing that I was cancelling and mention breach of consumer protection, unfair trading regulations and the fact that they are wilfully misleading me.   She said the credit card company will handle the refund as I hoped. I don't want them working for me in any way shape or form now.
    • Hi thanks for replying, The car was registered in 2009 ½, as I said a 59 plate. Mileage, when I got it it had circa 45K miles, it now has circa 72K miles. I have had it for 3 years almost to the month. I got it from a dealership in Loughborough, on the selling point that it was low mileage and was dealership serviced. Shortly after my return home to Southampton, I took it into my local dealership for a once over, part of which entailed one of their mechanics sitting with me while I drove around locally. I wanted them to take over looking after the car for me. Hope this helps?
    • just remember a DCA is NOT A BAILIFF and have ZERO   legal powers on any debt no matter what it's type.
    • Hi.   You've posted in the self-employment forum although as I understand it you can only be made redundant as an employee.   I've moved your thread to the Employment forum, people should be along to advise later.   HB
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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?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      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. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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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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I have had my hours at work cut severely so cannot afford to pay my credit cards on a monthly basis.

 

I owe money on my vanquis card (£2800)

 

I would like to take the bull by the horns and set up a payment plan, but am unsure how to do this with vanquis.

 

I realise I am not obliged o send them my income details, but just inform them how much I am willing to pay.

 

With vanquis, I would like to post all communication to them, as I heard they can be quite disgusting on the phone.

 

What address would I post this to, and what

 

Any direction that you can point me in will be deeply appreciated as I have not done this in awhile so feel really stuck.

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  • 1 month later...

I sent my letter off to Vanquis offering to pay a reduced amount monthly and a request to stop interest but have heard nothing back.

 

I have however, received a few overdue letters. Should I resend the letter and/or maybe an email (saw an email address I think somewhere on another thread...)

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  • 3 weeks later...

like us pay £1.00 a month, they will default you then no more interest added, they will not accept offers if they loose interest payments. it has been shown.

:mad2::-x:jaw::sad:
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Dont forget the breach of oft guidance on debt collection. Specifically failing to take the debtors financial circumstances into consideration

Edited by renegadeimp

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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like us pay £1.00 a month, they will default you then no more interest added, they will not accept offers if they loose interest payments. it has been shown.

 

Do you pay £1 direct to Vanquis or step change?

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Dont forget the breach of oft guidance on debt collection. Specifically failing to take the debtors finanxual circumstances into consideration

 

Oh did not think of that. I have specifically told them I have financial difficulties so will mention that when replying in writing

 

Thank you

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Do you pay £1 direct to Vanquis or step change?

 

 

Go to Impact site and pay it on there, = Impact is Vanquis DCA, step change only advise you! take matters into your own hands as a payment shows you have tried to agree an agreement but they refuse, keep all paper work, also start a spreadsheet of all charges they give you I.E. late payment/default and use interest 39.9% or the% that they charge you> eventually the amount should more than cover what they allege you owe.

 

if you write to them (Why)? just do as we do £1.00 as and when you can thru Impact site as vanquis will stop you using their main site.

 

also Vanquis want you to agree without saying it that they still get interest payment and maybe £2.00 off what you owe, hence pay forever they are a winner then.

 

any correspondence if you so wish to them send recorded delivery.

:mad2::-x:jaw::sad:
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Sorry to ask these questions Mike but:

 


    Do I tell them that I am paying via IMpact £1 per month?
    As they are sending me total amounts, do I ask them for a breakdown letter and is this chargeable?
    What do you mean Vanquis want me to agree to still get interest payments? How does that work?

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Sorry to ask these questions Mike but:

 


    Do I tell them that I am paying via IMpact £1 per month?
     
    = I do not they send statement showing the payment!!!!!!!!!!!!!!
     
    As they are sending me total amounts, do I ask them for a breakdown letter and is this chargeable?
    What do you mean Vanquis want me to agree to still get interest payments? How does that work?

 

as above they are wanting you to pay say £30.00 for instance but say £28.00 is charges/interest, so that way they win as they get you to repay for near forever that is what I see it as.

:mad2::-x:jaw::sad:
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  • 1 month later...

I have been paying vanquis via my bank (£1 per month) instead of using Impact as they are the same, but they are not acknowledging this.

 

Vanquis are phoning me even though I have stressed in a letter not to, and Impact have phoned as well.

 

Shall I carry on paying vanquis and also send Impact/Vanquis a letter stating that I am paying £1 a month?

 

I would like to complain to the OFT - is this possible and if so what would the address be?

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Might as well pay Impact Aka Vanquis anyway just the next department, do it on their site, vanquis will close access to their site direct soon as they did me, Impact Aka vANQUIS will send billing anyway showing payment.

 

ignore FOS for now you really need better case 1st.

 

You could send if you have not already letter stating no telephone calls, in writing only for records, and if they do not stop calls you will record date.time and also inform FOS that they are breaking guidlines set by FOS.

 

Impact are Vanquis in house monkeys, been told operate in a toilet block.

:mad2::-x:jaw::sad:
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Thanks Mike - the only problem with paying Impact is that I do not have a direct debit card that is why I phone my bank and pay the money on my card that way.

 

Mind you, I have some cheque books that are just sitting there, I could post cheques to them.

 

I think I will fire off a letter to them stating that I will be paying monthly £1 by cheque, and no telephone calls.

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  • 3 weeks later...

Has anyone had a Case management Team write to them from Vanquis?

 

I now have a case manager who has been assigned to my account, and they state that they can offer me an interest free agreement tailored to my financial circumstances.

 

Never heard of this and wanted to know if anyone had given them a call and gone down this route......

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Ask them to explain what they mean. If its just a repayment plan wit interest stopped, go for it.

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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I got it in writing, and sent an email to them which they replied stating that for the next 6 months all interest charges will be frozen and then it will be reviewed again. (paying £10 per month)

 

Capital one has done the same thing (sorry, I know its not a Cap thread but thought I would throw it all in....)

 

This will give me some breathing space to sort things out.:-)

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