Jump to content

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Tiz Wurse Den Wonga... Mai Hert Iz Bruken       
    • Hi all, the company have just called me and offer me £500 to get myself a sat-nav...   So if admin team want to scratch this topic from the record, please feel free...   If not then thank you anyway 😃
    • use our search top right as you should be ... Lowell claimform   dx
    • Well I don't really want to go to court but I will go all the way no point in giving up now!!!
    • Hey everyone, I am hoping I can get some guidance with a car I recently purchased.   I have been looking around for a newer car and thought I would check out those internet car seller folks.   I found a car I liked and the description said it had all the things I wanted, so I paid the deposit, applied for finance, which I got, and opted for a PCP contract, paid my deposit and got my order confirmed. The car was delivered on Monday 1st June. First I must say that overall I am really very happy with the car, it is almost exactly what I wanted, I am delighted with the general condition, the way it drives and would not be too keen on letting it go if I have no need to do so.   So, the first thing, it was just under 700 miles over the quoted mileage, and I know that's not a lot. Still, that's not the point, the number is excessive, considering the place it came from is only about 200 miles from me. I have spoken to them about the mileage. They said it was a clerical error, which I do not believe, they have however agreed to refund me for 400 miles, which I decided to accept as I figured at least they have agreed to pay for just over half of the miles and did not want to be too unreasonable about it.   The second thing, and this is the one that is really the stumbling block. The cars headline said: 'FORD FIESTA HATCHBACK 1.0 EcoBoost 125 Titanium X Navigation 3dr'. Though the full advert is no longer visible, part of it still is, https://www.buyacar.co.uk/ford/fiesta/fiesta-hatchback/1-0-ecoboost-125-titanium-x-navigation-3dr-73955 and this is the car I bought.   So after checking it over upon delivery, and going around it with the delivery chap, all looked fine, and I decided a little drive was in order.   So off I went to put some fuel in, and while at the fuel station figured I would check out the sat-nav and this is where the problem is, there is no sat-nav. I checked the book, there is no slot for the navigation sd card, no button to turn on the nav, aka, no nav, none.   So I emailed them, and the response I got was: 'Thank you for your email, and I am sorry to hear you are not fully happy with your new purchase. This vehicle was not advertised with Sat Nav, so I am unsure where you feel you read the description you have provided?' ... ... 'In regards to the description of the vehicle, I have checked this on the order form, and the finance documents that were both sent to you and signed and the description of the vehicles reads as FORD FIESTA 1.0 TITANIUM X 3d 124 BHP hatchback.'   So I have pointed out the fact that there was not only a headline stating that the car was Navigation version but further, down the page, there was also a mention of it.   I also said to them, despite me signing said documents, I felt no need to recheck it because the wording navigation appeared several times in the advert which was enough for me to accept it was a version with navigation.   I also said, the order form nor the finance documents also make no mention of other stuff either like climate control, automatic folding mirrors, infact they do no mention any features, only that it is a FORD FIESTA 1.0 TITANIUM X 3d 124 BHP hatchback, so I have refused to accept this as an excuse and an attempt to lay the blame for this mistake at my feet. I honestly thought I was purchasing a car with sat-nav, based on the information provided by them.   I am awaiting a call from them but they have so far today failed to get in touch so figure I would use this waiting time to ask some of the more experienced members about their thoughts on where I stand with this.   Am I in a position for example to ask that they fit sat-nav? If they ask for the car back and put me in a position with no car again how does this work out? Am I flogging a dead horse?   Any advice please would be very much appreciate.   Thanks all.
  • Our picks

wishboneash

Rossendales collect/AK - old time retail debt from 2005

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2426 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

Just had a letter aktiv kapital portfolio 2 nd placement ? outstanding amount 519 .17 debt has been passed on by above client

8th October 2013 my credit file is clear only a missed mortgage payment how do i handle this many thanks

 

as far as i know this debt was back in 2001

 

i have heard they are very aggressive

 

client aktiv kapital 8th oct debt has been passed on by above client ?

 

we are instructed that you ignored previous request we intend to recover the debt

 

saying its a second placement

 

this debt is from 2001 how do i go about this ?

 

credit files is clear

Share this post


Link to post
Share on other sites

Can you post more info? That post is pretty cryptic.


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

Share this post


Link to post
Share on other sites

It maybe they are fishing, or is SB either way you will need to find out.

 

When was the last payment/acknowledgement made? if it was way back as stated, go back to your CRA file look at closed accounts it maybe there, also if it was not dealt with since 2001 the it will be SB. You can always send the prove it letter from the library here http://www.consumeractiongroup.co.uk/forum/content.php?408-Letter-sent-when-debt-is-statute-barred

 

But sometimes mysterious payments turn up resetting the clock. So you will need to write to them and find out, they chased me for a STAT BARRED debt a few years ago with a quick call it was sorted, they sent the acknowledgement of SB the next day, case closed.

 

Let us know with an update to your thread please

 

MM


If I have been of any help, please click on my star and leave a note to let me know, thank you.

Share this post


Link to post
Share on other sites

just got a letter this morning

 

2nd placement outstanding debt £ 519.17 debt has been passd on

 

unless you pay the full amount in seven days recovery action will take place

 

my credit file has no record of this what do i need to do ?

 

full letter

client aktiv kapital portfolio as branch 2 ncd placement ? ? outstanding amount £ 519.17 p

 

Dear Mr

your debt has been passed to us by the above client we are instructed that you have ignored previous requests for payment and we intend to recover your outsanding debt imediatley

 

unless you pay the debt amount in full within 7 days or contact us immediately with your proposals recovery action will commence

 

quite a while ago this happened with some called fire who harassed my at work place repeated phone calls but these stopped unaware that it my be this , but my file is clear on experian

Share this post


Link to post
Share on other sites

It could be for council tax as that is not reported to the Credit agencies. Or it could be that it is a case of mistaken identity.

 

I hate to say it, but if you ring the Council and it is not that, then you may be left with ringing the bailiff for information as to what the debt relates to. At the same time get a breakdown of their fees, Court costs

and the original debt.

 

If the Council confirm that they sent the bailiff, see if you can arrange paying it off without involving the bailiffs to avoid paying their fees [and depending on the bailiff, some of them will be doubtful].

 

Have you received no notification of any Court proceedings as a Court hearing would be necessary before bailiffs can be called in.

 

Have you moved address recently and thus the Court summons etc have gone to your old address.

Share this post


Link to post
Share on other sites

don't forget rossers also have a DCA wing.

 

this could simply be them trying it on on an old debt

that's prob SB'd long ago.

 

phishing trip.

 

esp if no like debt shows on your cra file

 

what was the original debt all about?

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

what is the debt all about please

 

give us its history please

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites
But sometimes mysterious payments turn up resetting the clock.

 

Once a debt is SB nothing can unbar it, even a fictitious payment, that is fraud.

 

Any written evidence you get claiming that a payment was made to the account, that you never made, is absolutely gold dust, and you will be quids in when (if your that way inclined) you sue them, plus heads will roll and the company will undoubtedly fold as fraud is an extremely serious offence.

 

What is the debt?

When was the agreement taken out?

When did you last pay toward it, or acknowledge (in writing) it?

If this doesn't show on your credit file then ignore them for the time being.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

This is a double post, wishboneash stay to one thread or you'll confuse and duplicate responses.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

three threads merged on same debt

 

please keep to one thread per debt

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

not sure as my credit file is clean i did have depts in 2001 for various things , and did get hassled by phone calls last year by FIRE DEBT recovery at work home sent a letter off that i do not own this debt and to stop hassling me at work looks like the debt has been sold on to rossendales ?

 

thank you have just sent off for a new credit report

 

looks like a old debt from time retail in 2005 this had been passed on by by two other debt recovery's firms just waiting for credit file

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...