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    • well if they want to play games then so can you    send them our statute barred letter via email from the debt collection section of our library.    
    • When I click on last page of a thread to read I get an 'Uh Oh your link has been broken' type of message alert.
    • Hopefully I haven't made too many errors up until this point, but I just wanted to check rights/compliance here before continuing. We bought a used car less than a week ago - it was sold to us with no faults, and with an MOT carried out by the dealer with no advisories. They made a particular point of stating that they didn't sell any car with advisories on the MOT, and also drew attention several times to their AA Approved status implying that this meant they *had* to ensure the cars were of good quality/they were more legally compliant etc (I thought that AA Approved was just something dealers paid for to have a 'badge' and to have cars advertised on their website). The dealer also mentioned repeatedly during the viewing how 'immaculate' the car was. Whilst test-driving, I noted the air-con wasn't working (it was 25 degrees that day). The dealer tried to insist it was cold when it really wasn't (this did ring some alarm bells at the time), I said that it would need to be fully working. Dealer agreed to fully test and regas the system before purchase, which they did. Three days after the sale (and less than 150 miles driven), the engine management light came on, accompanied with a strong emissions/exhaust smell. We've also realised that the 'stop-start' function doesn't work (this could have been deactivate due to the fault code though), and that a replacement windscreen had been fitted rendering the rain-sensing wipers, automatic headlights and heated screen non-functioning. We didn't notice these faults prior to driving it, although I did mention the stop-start during the test drive (having never owned a car with this function) and the dealer made no mention of it not working. I have an OBD scanner/reader, which tells me that the fault is a P0420, so is related to the catalytic converter. I emailed the dealer outlinging these problems, and suggesting that the best course of action would be a refund as I need a fully operational car for work, and this fault could take them time (and money!) to fix. I should add that the dealer is a 2-hour round trip away (in good traffic), so I really do not have the time to take it back and fore. They replied very quickly apologising for the fault, and saying that they will fix the engine management issue ASAP and 'hopefully before the weekend'. Regarding the windscreen, they say that is out of their remit as it was on the vehicle when they purchased it, causes no mechanical defect, and the rain sensors, auto headlights and heated screen were not specifically mentioned in the advertisement. They have offered to have their mechanics look at these issues and if a staightforward fix, they will do this free of charge as a goodwill gesture, or find out the cost of repair and offer to do this (at our cost) if more complex. (To clarify, I did not mention repair being an option in my initial email, and only referred to a refund being the best option). The car was sold with a 'full service history', although this consists only of stamps in the service booklet. We have no receipts of any work done apart from the dealer's MOT. This particular car is known to have issues with the timing chain (it's a Mini Cooper) after 100k miles, and the fault code could well be in relation to this problem. I mentioned this known model's fault during the test drive and was told that it would be very obvious/noisy if the car had this fault (which didn't really have anything to do with my question which was specifically 'has the timing chain and tensioner been replaced, as I know this is a known issue with these cars'). I've had bad experiences with used cars and dealers in the past, so my faith is easily shaken, hence me asking for objective opinion and advice here. Despite the 'extras' not being advertised with the car, surely the fact there are specific buttons/switches relating to the lights/heated screen etc, along with their not working not being pointed out at purchase mean that the car is not as described? Where's the line here - there are windscreen wiper stalks/headlight switches etc, but these weren't specifically mentioned either in the advert, so are they also not covered? The EML so soon after purchase (and the code being potentially a serious one) is alarming, and having consulted mechanics specialising in Mini, they (without having seen the car) suggest that this could be an expensive problem to fix. My partner paid for the car, and unfortunately did so part cash, and part BACS. This of course means we've lost full control of the money. Our bad experience previously was with a dealer who sold us a car with a 'new MOT' which then suffered a tyre blow-out, revealing a tyre which was literally threadbare on its inner edge. We got a refund from that dealer by sitting in their office and refusing to leave until the money had been refunded into our account. When we returned the following week with the logbook, the whole lot was empty - no cars, logos, nothing. Lucky escape there, so my partner assumed he'll be able to get the money back just as easily this time. I haven't yet replied to their email, so would like to know the best way to proceed. Thanks in advance for any and all assistance!
    • What i've read about LFT and PCR tests is they both have their own ambiguities however, PCR tests are sent to a Lab but they don't know how 'right' the result they are looking at is.   I would say yes UB, could have neg LFT and a positive PCR.
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Got outstanding depts in the UK, but now want to return home for good.


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Hi All.

 

This is my first post, and I not proud to be making this at all, but ten years ago I came to live with my Canadian girlfriend in Canada.

 

I cleared all of my UK credit cards apart from two that were online payment only cards (Egg and an IF card) there was about 1500 pounds on each of then, so a total of 3000.

 

I had a Lloyds bank current account that use to direct debit my payments to both those cards each month, and left 750 to cover that when I left the country, and it was my intention to keep topping up my Lloyds account as soon as I got into the Canadian workforce.

 

Then it went all wrong, as I did not find any work for almost a year, and when I did it was a real struggle to survive on low earnings so I never got round to putting any cash back into the Lloyds account :(

so my overdraught started paying the cards each month, and when we moved to another address, I never told them that I had moved, and now about 8 years on, I'm scared to death that this 3000 that I originally owed has escalated out of all proportion.

And I need to return to the UK for good in a few weeks time, and am wondering what's going to be the outcome as I will need to open a bank account there and all manner of other things like renting a place and such?.

 

Thanks in Advance,

Edited by WanttoGoHome
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If you have made no payments towards or acknowledged any liability then these debts will be statute barred. Stop worrying and move on with your life !

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

 

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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Thanks for that, citizen.

 

To be honest, I have no idea what happened, or if any action was taken against me, Lloyds used to send bank statements to my first address in Canada, but when we moved I never told them my new address and as far as I can see they have never come looking for me or tried to make contact.

I was told that Bank depts. never go away and that they will be able to trace me as soon as I re-enter the County? (that came from citizens advice in the UK) they also said I should contact the bank and arrange to clear the dept. before I leave Canada?

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Unless they obtained a Judgment by default in your absence and you have made no payment and acknowledgement for 6 years, then I am afraid the advice you received from CAB is wrong.

 

Once you return to the UK and start getting yourself sorted out with a property to live in either rent/mortgage - put your name on the electoral roll, sign up for untilities then yes this information will go into the Credit Reference Agencies. It is almost certain that these accounts are no longer on your credit files - I am not sure if you would be able to check this whilst you are in Canada, but I guess you could try.

 

The 3 main Agencies are..

 

Equifax

Experian

Call Credit.

 

Noddle is free but is not always up to date.

 

To see if there are any Judgments in your name, you would need to check trustonline I imagine, if there are any, they would have been issued to your last known UK address.

 

http://www.trustonline.org.uk/search-yourself

 

I think it costs you £4.00 to search yourself.

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

 

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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They could try but if they knew you were abroad, it would be easy to get it set aside.

 

Stop worrying about it, and do a couple of checks as already advised. As CB said, your debts are most likely Statute Barred so theres nothing they could do.

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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  • 2 weeks later...

Hi again all,

 

I just wanted to say thanks for the very helpful advice you all gave in the posts above.

 

I have done the trustonline check and it came back as "NOTHING REGISTERED" against me at my last UK address.

I'm wondering if it will be possible for me to open a bank account, of building society account as soon as I get back?. not really sure as I have been out of the country for just over ten years, I'm guessing that Lloyds TSB is going to be a bank that I avoid any contact with, until I have got myself established a little?

Also if my dept. was set aside, what exactly does that mean?

 

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All your debts are gone. buried, finished with. Time to move on and stop worrying.

 

Dont worry about a set aside. It only applies to CCJ's and you dont have any.

 

Regarding your bank account, go with a very basic account to get you back on your feet, then after a year or so, when you can show your credit is in good standing, you may be able to ask the bank to upgrade the account.

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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Just to let you know that Lloyds TSB is reverting back to being 2 separate banks - Lloyds and TSB. Something to do with a European Order !!

 

It might be wise to steer clear of the Lloyds Group, yes :)

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

 

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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