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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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        • Thanks
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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.
       
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hi guys

 

im trying to resolve a provident issue

 

heres the chronology

 

2009 took out the loan with my ex (only my name one the book)

2009 left the ex she stayed in the house so took over payment

2010 joined credit expert and check my file (no provident information at all)

2010 - 2012 checked regularly cra's no default from provident no information at all

October 2012 suddenly a provident default with full account history appears on my file

 

now my question is are they allowed to not show details of my account until its way too late to stop the default ie if I had seen late payments id have contacted them way before default as it is now even though I said id pay in full they will not agree that they should have updated my credit file and remove the default also I didn't get a default notice although I understand this sint applicable if I had moved

 

any help ?

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Yes unfortunately as you have allowed an account in your name to continue, without informing the creditor of your move.

 

Provident to tend to only report when problems occur which I think is unfair, but there is little that can be done.

 

Even if the account is satisfied they are correct that the details stay on file for the 6 year life of the default.

 

I can only suggest that you make a SAR to Provident to establish when the last payment was made on the account.

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yeah its going off tomorrow its through bcw now i did a cca and they sent me that so now the sar is my last hope for removing the default as its screwing my credit and will do until 2015

 

you would think seeing its for a relatively small amount that they would negotiate but all attempts at negotiating a default removal have failed so far

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One of the big problems with companies such as this is that rarely does a complaint etc get further than customer (dis) service therefore never getting to anyone capable of making a decision.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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totally agree

 

we were just playing post tennis i would say ill pay when i get confirmation on headed notepaper that you will remove the default and they would sent confirmation that they recieved my offer and to pay in 7 days no mention of default removal

 

5 letters the same and no change so i sent the cca and now im sending the sar in the hope there is some leverage there

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totally agree

 

we were just playing post tennis i would say ill pay when i get confirmation on headed notepaper that you will remove the default and they would sent confirmation that they recieved my offer and to pay in 7 days no mention of default removal

 

5 letters the same and no change so i sent the cca and now im sending the sar in the hope there is some leverage there

Pathetic are they not?

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  • 1 month later...

ok so i sent a sar recieved the paperwork back no intention to file default notice and no defaulty notice at all

 

can i now ask for removal and if so whats the best template to use

 

ian

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The Intention notice/and the DN would not form part of the 'paper' records of an account, all creditors do is record on customer files it that a DN was sent on a specific date, some will supply 'generic' copy to show what the customer would have received.

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What data was there in reference to payments and or cessation of payments/final payment?

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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i have an account printout from provident there is no mention of a default in there paperwork at all every entry just says agent collection i thought they had to provide me a signed copy of the original default notice and this should have been supplied with the sar

 

i can scan the document provident supplied if you like

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No there is no signed copy of the default notice, as said these are not routinely stored as hard copy, all the creditor has to do is state that a DN was sent on a certain date as recorded in the customers in house records.

 

Yes please let us see the doc, please remove all personal data, account number and barcodes if any.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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so these are the only documents the original creditor sent through under the sar to bcw they sent a lot of bcw in house stuff but that was all correspondence to and from myself

 

so i dont know if its me but either they did not comply with the sar and send everything or nothing is recorded against my account

 

also i am sure when i read bits of the cca if your on weekly payments after 4 weeks they have to send you an arrears notice again i dont see anything recorded

 

is it all a quirk of how provident do things or do i have a case to get the default removed and then when they re issue it ill pay and lose it for good

 

 

[ATTACH=CONFIG]45304[/ATTACH][ATTACH=CONFIG]45303[/ATTACH]

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Document too small to read.

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Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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[ATTACH=CONFIG]45315[/ATTACH][ATTACH=CONFIG]45314[/ATTACH]

 

Sorry still unreadable.

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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there big pictures but when i attach them it shrinks them

 

 

Follow this guide and convert them to PDF before posting them up.....

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try http://www.pdfescape.com TO BLANK STUFF,

************************* ************************* ***********

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use http://www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAGicon in the title

i'e Default notice DDicon-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

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hi guys

 

im trying to resolve a provident issue

 

heres the chronology

 

2009 took out the loan with my ex (only my name one the book)

2009 left the ex she stayed in the house so took over payment

2010 joined credit expert and check my file (no provident information at all)

2010 - 2012 checked regularly cra's no default from provident no information at all

October 2012 suddenly a provident default with full account history appears on my file

 

now my question is are they allowed to not show details of my account until its way too late to stop the default ie if I had seen late payments id have contacted them way before default as it is now even though I said id pay in full they will not agree that they should have updated my credit file and remove the default also I didn't get a default notice although I understand this sint applicable if I had moved

 

any help ?

 

All things considered yes this can happen, any company may use the CRAs to report the conduct of the account on CRA files, some like Provident and many Utility companies report only when a problem occurs.

 

The company is not required or obliged to inform you that it is reporting to CRAs.

The default notice give time to remedy and if this is done within the time specified then the default will not be placed.

 

Paying off the debt AFTER the time scale has elapsed will not result in the entry on CRA file being removed, the account should be marked as satisfied and remains on file for 6 years.

The only chance of removal is a 'gesture of goodwill' not something Provident are renowned for.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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So I'm a bit confused they are bound by the cca regs and in the sar I sent them there is no mention of a default notice even in there internal records and I was led to believe this is a requirement as such they didn't follow the cca regs

 

All things considered yes this can happen, any company may use the CRAs to report the conduct of the account on CRA files, some like Provident and many Utility companies report only when a problem occurs.

 

The company is not required or obliged to inform you that it is reporting to CRAs.

The default notice give time to remedy and if this is done within the time specified then the default will not be placed.

 

Paying off the debt AFTER the time scale has elapsed will not result in the entry on CRA file being removed, the account should be marked as satisfied and remains on file for 6 years.

The only chance of removal is a 'gesture of goodwill' not something Provident are renowned for.

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you did send the sar to Prov and not bcw?

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

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To Provident it seems. So many times Provident 'record keeping' is at best sketchy and at worst no existent.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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