Jump to content


  • Tweets

  • Posts

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Debt transferred whilst still being paid photoshoot - Now DLC adding charges?


tebsy
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3689 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

After reading the threads I'm hoping someone can help!

 

Money was owed to a company called Pierre Lemond after having a photo portfolio done.

 

Repayment was not maintained due to ill health.

 

The debt was passed to a company called Paladin and regular payments were being made to them.

 

We have now received a letter from Global Debt Recovery stating that

their client has instructed that provided we remit 525 pounds by the 31/05/14,

they will accept this payment as a Full and finallink8.gif settlement of the above claim.

 

The issue is that:-

 

1. The balance they have stated is incorrect and out by approx. £400

2. The original creditor was Pierre Lemond

but they have stated Studio London which is just the studio, on the letter

3. Payments have been regularly made to Paladin

 

We called them and explained payments are being made and the amount was incorrect.

 

To which they said that's the information they have and which they are going by.

 

Should I send them the letter requesting the original CCA?

 

Many thanks

Edited by tebsy
Link to post
Share on other sites

did you sign a CCA

don't think credit of any kind is involved here.

 

and DCA has no legal powers to add anything to the debt

 

stay off that phone too.

 

DCA's are NOT BAILIFF

and

have NO SUCH LEGAL POWERS.

 

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

Stay OFF the phone, keep everything in writing.

 

I wouldn't be paying anyone other than the Photo studio direct.

 

Have a read of their T&C's http://www.pierrelemond.com/terms-conditions/Termsandconditions

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!

 

 

Link to post
Share on other sites

did you sign a CCA

don't think credit of any kind is involved here.

 

and DCA has no legal powers to add anything to the debt

 

stay off that phone too.

 

DCA's are NOT BAILIFF

and

have NO SUCH LEGAL POWERS.

 

dx

 

No don't recall one being signed, think it was just a payment plan of £39 per month for two years.

 

I spoke to Paladin Commercial Credit Management yesterday

and they confirmed via email that that section was now closed

and has been since Nov 2013 and therefore were no longer responsible for dealing with the account.

 

They also said another collection agency would be in touch,

which they have been. £10 per week has continued to be paid to Paladin,

although the DD has now been cancelled.

 

I have also noticed from Paladins letters when they have charged me for a late payment

that it says "as per your Credit Agreement you have incurred a charge of £25 on your account"

 

however, I never had a CA with Paladin or the photography place.

 

The other DC called today and offered a settlement figure £250.

What should I do about this?

Should I write and request a copy of the agreement?

 

Am I able to claim the charges back from Paladin at all.

I emailed them frequently asking for my balance, but never got a response.

 

I appreciate your advice and response :roll:

Link to post
Share on other sites

No don't recall one being signed, think it was just a payment plan of £39 per month for two years. I spoke to Paladin Commercial Credit Management yesterday and they confirmed via email that that section was now closed and has been since Nov 2013 and therefore were no longer responsible for dealing with the account. They also said another collection agency would be in touch, which they have been. £10 per week has continued to be paid to Paladin, although the DD has now been cancelled. I have also noticed from Paladins letters when they have charged me for a late payment that it says "as per your Credit Agreement you have incurred a charge of £25 on your account" however, I never had a CA with Paladin or the photography place.

 

There must have been an agreement as this is obviously credit, hence the mention of charges which you probably could reclaim. If the amount is not huge, it's probably not worth the hassle, however you are entitled to deduct them from the balance whoever they were paid to and whoever 'owns' the debt now, so you probably don't owe anything more.

 

The other DC called today and offered a settlement figure £250. What should I do about this? Should I write and request a copy of the agreement?

The very fact that the settlement figure has reduced is an indication that they have no paperwork whatsoever. I would be asking them to prove the debt with full documentation as you believe the full amount to have been repaid. State that in the absence of full documentation you are not prepared to enter into any further correspondence.If they write with anything other than a full and accurate statement and a copy of the agreement, ignore them or you will end up being drawn in to playing letter tennis.

 

Am I able to claim the charges back from Paladin at all. I emailed them frequently asking for my balance, but never got a response.

 

I appreciate your advice and response :roll:

 

See above.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

Link to post
Share on other sites

"as per your Credit Agreement you have incurred a charge of £25 on your account" however, I never had a CA with Paladin or the photography place.

 

The other DC called today and offered a settlement figure £250. What should I do about this? Laugh at them and hang up!

 

Am I able to claim the charges back from Paladin at all. I emailed them frequently asking for my balance, but never got a response.

 

:roll:

 

Send Paladin a CCA request, it will be good to see what they come back with, sounds like they are all hot air?

 

As for charges yes you can reclaim these, or simply pay for what you received/ordered then ignore them.

 

If they are ringing you, please just hang up.

http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974%281-Viewing%29-nbsp

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!

 

 

Link to post
Share on other sites

sounds like you've been cash cowed from day one

 

stop paying these fleecing DCA's blindly without demanding paperwork.

 

they are NOT BAILIFFS!!!

 

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

Send Paladin a CCA request, it will be good to see what they come back with, sounds like they are all hot air?

 

As for charges yes you can reclaim these, or simply pay for what you received/ordered then ignore them.

 

If they are ringing you, please just hang up.

 

 

Thank you all for your advice. I am writing to Paladin requesting the original CCA, although I think they will say that as they no longer look after the account they don't have it! But, we will see. I am also going to write to the other DCA and request full documentation (as per response of "reallymadwoman").

I will let you know what occurs...in the meantime A BIG THANK YOU TO ALL!!!!:-)

Link to post
Share on other sites

Paladin will always hold the CCA, it is the tame DCA's who won't have it in their possession.

 

You will be wasting your time corresponding with the DCA, they have little to no info regarding the account, simply your name and contact details with the best ways in which to harass you, and the amount they are attempting to con from you.

 

Deal direct with the OC.

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!

 

 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...