Jump to content
  • Tweets

  • Posts

    • Do you know if that split is age related?  It's the difference between those who those who want to retain as much normality as possible while doing the best we can and the camp which seems to think hunkering down with our eyes closed and fingers in ears will make it all go away.  That latter lot include the sub group which for some unfathomable reason seem to think inflicting as much extra misery as possible on everyone (to no purpose) is the answer.    
    • Thank you and yes it was a 10k loan in 2007  but the amount outstanding currently is £17k 
    • Sounds like you've done some great detective work there, well done!   So you now have a good timeline; the car was purchased by the dealer who performed an HPI check and found no finance outstanding. They then sold it to someone who took out their own finance in August 2020. That person sold it to you without informing you that there was finance outstanding in October 2020.   I would think that it would be realtively straightforward for a solicitor to write a letter to MB with the pertinent facts (they will obviously know when and by whom the finance was taken out) and request that they issue a good faith title. It should only cost about £150.   I echo what others have said; don't hassle the seller. I know it is really frustrating and annoying, but he has proved himself a liar and only has to tell the Police that you threatened him and you'll be in trouble!
    • click sar just send it  no need to add anything bar their details   is this charge still showing on her deeds?    
    • i am not aware of any refunds being issued retrospectivity for years when you could have attained free road tax but simply didn't.   you will however gain a refund of any road tax already paid this year backdated to the start of the month you submit now. don't forget you will need the certificate of entitlement number when applying now and keep that certificate safe as you will need it each year.
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • 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.
       
        • Thanks
      • 3 replies
    • 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!
        • Thanks
        • Like

Please note that this topic has not had any new posts for the last 2672 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

HI could some one please look and see if this is correct please as Barclays are only offering me £500 as a good will gesture as they said the actual offer is less than this.

Edited by dammo
Link to post
Share on other sites

we don't stand a chance without sight of the data you used

 

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... 

 

 

Link to post
Share on other sites

sorry when you say data what do you mean ?the card was a goldfish credit card which ran from march 97 until july 2000 with a apr of 18.9% Did the attached file not up load correctly .

Link to post
Share on other sites

you have ppi figures in there

where did the monthly data come from?

 

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... 

 

 

Link to post
Share on other sites

we can see the xls ok.

 

you have figures for the monthly amounts of PPI levied

 

where did this info come from?

 

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... 

 

 

Link to post
Share on other sites

the monthly data was the cost of the ppi each month it varies each month depending on how much was spent or paid off each month.shall i upload a statement for you to look at.

Link to post
Share on other sites

looks all good.

 

you can put the xls back up as the pdf has clipped the spread.

 

so what have BC give as a breakdown?

 

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... 

 

 

Link to post
Share on other sites

by the way bc gave me no break down or how or what was the true figure and when i phoned today and asked how this offer was reached bc couldnt tell me or wouldn,t put me through to some one who could tell me .

I have now refered this to the fos as my 6 month time limit comes up on july 20th and i think that bc are doing this so i miss the dead line for fos to look at this case

Link to post
Share on other sites

send a letter asking for a written breckdown of how they came to the figure

[even though they say they have kept to their GOGW 'guess of £500']

 

I would, specifically, pointout that this was a CREDIT CARD not a loan

 

and any refund is subject to THEIR interest rate compounded

 

if the card is still running then you are correct

 

if the card is CLOSED

 

then set the end date to trhe date the card closed

 

take the total of the spready

 

and put that in the statint sheet

 

as one entry at the date the card closed

 

I think you are trying to claim comp int to today

 

that's not correct

 

you can only claim comp int till the card closure date

 

from then, on that total

 

you are entitled to 8% statint

 

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... 

 

 

Link to post
Share on other sites

yes the card was closed on the 06/07/2000. not to sure which way to input the figures , any help would be good. thanks

Link to post
Share on other sites

says in post 12 how to do 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... 

 

 

Link to post
Share on other sites

Based on the premiums you've stated - I get a figure of £186.04 as at 6 July 2000 using your figures and spreadsheet in Post 10.

 

My own version of the 8% spread sheet shows that this equates to £394.48 at todays date.

 

I am having trouble with connection speed at the moment so cant upload the spread sheets

- (there may be a very small discrepancy between my figure and the statint spreadsheet due to rounding) but it does appear that Barclays are correct in this case that £500 is a better offer

Edited by Andybars
Link to post
Share on other sites

yep

 

well done

 

sri I didn't spot it earlier!

 

accept the offer

 

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... 

 

 

Link to post
Share on other sites

Thanks for all your help, I shall send the forms back to them and await my refund .

can,t understand why they want to give me more than i,m due, but I,m not going to turn it down.

Thanks again a donation will be on it,s way soon.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...