Jump to content


  • Tweets

  • Posts

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 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
      • 160 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

Ascent legal offering discount on BH loan


monica32
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2317 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

  • Replies 133
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi Monica, i have had a look at the calcs you posted and it all looks very straightforward and nothing untoward.

I am out atm but will be back home in around an hour as it will be tricky trying to explain it to you while i only have my phone to hand.

Please bear with me, will post back soon

 

Martin

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Click Here To Make A Donation

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

Link to post
Share on other sites

Many thanks Martin for looking in.:-)

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Hi monica, so looking at the sheet on the left first, thats simply a basic account sheet showing transactions, where it says interest, this is the interest you are being charged, where it says "joint debtor adjustment", this is the payments you have made and the balance is shown at the bottom, £5226.28

 

Sheet 2 on the right is an arrears sheet, when DLC bought the debt from BH, BH told them you were 4 months in arrears so they have started the arrears sheet with you 4 months in arrears, which at your reduced payment of £150 a month is £600.

 

The column which reads "contract arrears" starts with this figure and shows the 4 months arrears in the column headed "pot". The next column shows how they have calculated your arrears on a running basis.

 

so, look at 13/8/2014, your arrears were £599, this is because your arrears at the start were £600, you paid £151 and the payment they expected was £150, so 600 less 151 plus 150.

 

you paid £151, they were expecting £150 so you paid £1 more which reduced your overall arrears to £599 for that month.

 

you didnt pay then until 6/10/2014 so you missed a payment of £150, that is then added to your arrears balance and shows as £749 because its now overdue, your arrears increased.

 

For the following month, you paid £160, £10 more than they expected for that month, so your arrears reduced by £10, from £749 to £739, and it continues in that vein, missed payments sending your arrears higher, then a payment reducing them a little.

 

From 06/2015, you werent making the reduced £150 payments, you were paying less, so your arrears increased until you stopped paying altogether in 10/2015, then the arrears just got bigger and bigger, by £150 a month.

 

Thats probably as simply as i can put it. Any questions if its not clear, please ask

 

 

Martin

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Click Here To Make A Donation

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

Link to post
Share on other sites

:jaw: you sir have talent...

 

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

  • 1 year later...

Hello everyone,

 

Since my last post in March 2016, nothing much have happend regarding DN issued by Hilsden.

Until yesterday when we received another DN this time for the whole amount of arrears to be paid whithin by 9th November.

DN has been issued by Hilsden Securities on behalf of MEIII.

What should I do?

I dont want them to start court procedings or register default with CRA.

Please advise.

Link to post
Share on other sites

Only the Original creditor can Issue a Default Notice

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Andy,

As you may know from my preavious posts, this was originally Black Horse loan, sold to Hilsden some time ago.

 

Default was never registered by BH prior selling to Hillesden.

I want avoid ruining my CRA file.

What shall I do?

Write to Hilsden to say they cant issue DN?

Link to post
Share on other sites

What date was the initial breach with BH ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Andy,

 

Default Notice served under s87 for the arrears of £216.72 served on 11/10/2012

Default Notice served under s87 for arrears of £997.92 served on 6/03/2013

On 13/04/13 BH have assigned debt to Ascent legal.

On 8/07/2014 BH has sold account to Hilsden Securities.

Link to post
Share on other sites

a debt cant be defaulted twice

BH did it years ago

it cant comeback

ignore the silly willy wavers until/unless they issue a claimform.

 

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

Andy,

 

Default Notice served under s87 for the arrears of £216.72 served on 11/10/2012

Default Notice served under s87 for arrears of £997.92 served on 6/03/2013

On 13/04/13 BH have assigned debt to Ascent legal.

On 8/07/2014 BH has sold account to Hilsden Securities.

 

Sold and assigned one and the same so Ascent legal returned the account back to BH who sold it again to Hilsden Securities. ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

I am not sure if it has been returned to BH by Ascent it must have been thou.

 

Ascent was acting on behalf of BH.

 

After its been sold Hilsden appeared on my Cra file.

 

They leaving late payment markers every month.

 

DN we received states that MEIII are owner of agreement and Hilsden are acting on their behalf.

Link to post
Share on other sites

Most probably only acting....and then it was assigned to Hilsden....irrelevant really was just curious of the chain of events....only BH can issue a default notice...as they were the creditor...the rest are just debt chasers/ buyers.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

I personally wouldn't......an assignee cant register a marker...they can only update the Original Creditors default in their name.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

its already defaulted

nothing they do can harm it anymore than it already is.

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

Hilsden cant they are not the creditor......only BH can place a default marker because the agreement was between you and them...

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

how about writing to bh and complaining they did not register the default on the credit file.

that way it will get marked and the whole thing will vanish on 11/10/2018

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

how about writing to bh and complaining they did not register the default on the credit file.

that way it will get marked and the whole thing will vanish on 11/10/2018

 

I wouldn't...without the issuance of a DN any claimant is unable to enforce the agreement ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

At post#91 you have uploaded a Default Notice from Black Horse so the original creditor did issue one ?

 

Are you saying one was issued but never registered on your CRA files ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...