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    • Thank you 😊  Just wanted to prepare myself mentally incase they pull out some rabbit out of a hat with these bodyshops as they will most likely be places they've used regularly in the past and over 150miles away from where I am.
    • I see the Brexit-ish are again delaying  implementing their 'grate deal' 'protecting the UKs borders' that they pressed through with the wholehearted support of MPs like smugg - who is now one of the main moaners saying this inflation raising and business destroying 'great deal'  shouldn't be implemented. Of course 3 of the benefits of NOT implementing the Brexitish grate deal as the Brexitish negotiated are:   1. Less UK businesses will collapse 2. UK inflation NOT increased by 0.6% (hence fiddling the figures to us scraping NOT being in a Brexit generated recession) 3. The problems will be dumped in labours lap after the GE   "Analysis by specialist credit insurance firm Allianz Trade said the removal of tariffs on the goods would reduce inflation by 0.6 percentage points, and cut import costs by close to 7 billion pounds ($8.8 billion) in nominal terms."   reuters.com WWW.REUTERS.COM     https://www.reuters.com/world/uk/uk-economy-grows-by-01-february-2024-04-12/   Rees-Mogg warns post-Brexit border charges could be inflationary WWW.THELONDONECONOMIC.COM According to reports, Britain faces a £2 billion post-Brexit bill on European food imports from the end of the month.  
    • Thank you . Please stand by for a reply later on  
    • Sorry just get worried that they will make my life harder than they already have lol   Bought the car around 12th Sept 2022 for £78,000 from clinkard cars.   Performance, Prestigious and Specialist cars in Romsey, Hampshire | Clinkard Performance Cars WWW.CLINKARDCARS.CO.UK Performance, Prestigious and Specialist cars Dealers in Romsey, Hampshire Was a 2019 Range Rover with 25k miles, £20k deposit at £750pm pcp over a 4 year period.   Finance company are alphera (bmw finance) spoke to them in October 2023 about the damage my bodyshop advised me of but they told me to deal with the dealership. Paid for the repair myself as I was told the extended warranty I paid for (recommended through dealer) wouldn't cover it as it was an existing fault and not mechanical breakdown. When I got the £40k offer from the dealership they still didn't want to get involved unless I got an independent inspection done. Used Elite Forensic inspections as they seem highly rated online (more comprehensive than your average AA inspection). I just looked online for thr best inspections for customers eho hsbe alre purchased the car. Their report was super comprehensive over like 50 pages of text and photos. Comparisons to the advert photos against what the inspector saw made in clear that the damage was before I purchase it. Got the report back 10th Jan 2024 and couldn't believe that they'd picked up the level of accident the car had been in and raised an official complaint through Alphera, they couldn't come to a decision with 8 weeks so raised with FOS. Around the 7th March 2024. Small issues started within the first week of purchasing like ambient light not working on the side the car was hit and car randomly switching off completely when I'd stop at traffic lights/junctions. Dealers eventually got this sorted which I appreciate, but doesn't change the fact that they didn't check the car as well as I'd been told it had been checked and they'd sold me an accident repaired car and initially tried to say all cars have had paint due to stone chips etc. Also turns out the car had only had 1 service before I serviced the car in mid 2023 (when the service light came on the car).   So far Clinkard have had my car for nearly a month (so my wife and I hsve had yo share cars since), they've said we've taken the far to 2x garages so far to inspect it and got 1 more garage to take it to. Currently refusing to tell me what those 2 garages have said so far with the attitude of because you've gone through FOS we have to follow the correct channels and respond to the complaint through them which is quite annoying.
    • This has been playing on my mind a little so been reading. Am I right in saying that if the original debt was regulated under the CCA and below 25k they can't use HCEO? 
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Help with debt collectors?


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We received a letter that says NOTICE OF INTENDED VISITATION

 

The outstanding debt of £920 has been placed with 'Shergroup High Court Enforcement'.

 

An agent from Sherforce will visit you within the next 7 days to discuss the above debt.

 

PLEASE NOTE THIS ACTION WILL RESULT IN FURTHER COSTS BEING APPLIED TO YOUR ACCOUNT

 

It's for Admiral Insurance. My mum was in an accident a couple years ago, she had insurance. They asked for her insurance details for that time, they said they would drop the case and pursue it with them, but she doesn't remember, she's not really well and doesn't have the greatest memory.

 

What should we do about it? I've tried the proof of debt letters, but haven't received a response, not sure they apply in this case.

 

Any help? Tips?

 

Thanks in advance.

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I think you really need to provide more history of what stage you are at with this debt for posters to offer advice....what has she received up to this letter?

 

Regards

 

Andy

We could do with some help from you.

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Hi Welcome,Have you had a CCJ set against you regarding this debt?

 

Shergroup do work for County Courts but they also work for Debt Collecting Agencies

 

FS

 

She hasn't had any CCJ set up regarding this no.

 

I think you really need to provide more history of what stage you are at with this debt for posters to offer advice....what has she received up to this letter?

 

Regards

 

Andy

 

We've received a few letters from them, sent them a letter requesting proof of debt and received no response, but not sure if it applies to this situation.

 

I've attached a picture of the most recent letter.

 

oi41.tinypic.com/2nbfs7c.jpg

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http://tinypic.com/view.php?pic=2nbfs7c&s=5#.Up3FNdJdU5c

 

Ok so this has not seen the inside of a Court room yet ?

We could do with some help from you.

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Then ignore it...its a phishing excercise

We could do with some help from you.

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I cant guarantee they wont make a visit but if they do.... not to answer......you should reassure her with the advice I have offered above...as no litigation has commenced then there is little they can do.

We could do with some help from you.

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I cant guarantee they wont make a visit but if they do.... not to answer......you should reassure her with the advice I have offered above...as no litigation has commenced then there is little they can do.

 

 

Thanks for your help. I don't mind them turning up if I'm there but they're not going to start picking up our telly and start taking it right? What can they do when they come? How should I proceed with this?

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Are you 100% sure about that?

 

Can you tell us a bit more about the car accident please?

 

Yeah we haven't been in court or received any court related letters.

 

She was in a car accident a few years ago. Basically she was at a zebra crossing and someone apparently got hit from behind. How it happened I don't know. She didn't reverse or anything. She wasn't at fault. The police took the dude to the hospital and he was absolutely fine. Probably put a claim in or something which is why we're getting these letters.

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Thanks for your help. I don't mind them turning up if I'm there but they're not going to start picking up our telly and start taking it right? What can they do when they come? How should I proceed with this?

 

 

Absolutley not...they must have judgment first and then they must execute the judgment with a Writ.....Im sure you would of been informed of either by the court.

We could do with some help from you.

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