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    • and it legally informs them of your correct and current address as you must do with all old debts last paid/used in say 7 yrs you dont want backdoor CCJ's. what were the names of these IVA scammers, the one you took it out with, and the one that scammed you to let them take over please? your story is slightly worrying. dx  
    • Incidentally, congratulations on not buying the warranty. That is another Big Motoring World rip-off. See what we have to say about extended warranties and the Big Motoring World attitude to them is particularly unhelpful
    • well that google is from 2019, but the photos are certainly of someone driving on the public highway in/out by an ANP system, though the site of where the camera actually is, is not showing there are anpr cameras up by the low yellow barriers but they wont get from facing shots from there. interesting, needs to be checked if the road IS a public highway but on private land, cause as you say, if the whole area is max 4hrs , how does the hotel work< ?? must have a reg entry system.  now as for taking pictures of cars on a public highway then guessing the are parking ...erm.... i dont thnk thats right nor allowed under GDPR. dx  
    • Under the consumer rights act 2015, if a defect manifests itself within 30 days and you have a right to return the vehicle for a full refund. If any defect manifests itself within the first six months of ownership then you have a right to return the vehicle for a full refund subject to the retailers right to carry out a repair. If the retailer declines to repair or if the repair fails then you have the right to return. The problem here is that you have to assert their right. It's a bit ridiculous – but you have to do let them know preferably in writing that you are asserting your rights under the consumer rights act either the 30 day right or the six month right. I suppose that you haven't done this – which would be quite understandable because most people don't know that these rights exist and that they are subject to these conditions – the condition that the right must be inserted. It is frankly ridiculous. The dealers know it and we have lots of instances of this company delaying appointments et cetera and our strong suspicion is that they are simply trying to run their customers out of time. On the basis that you haven't asserted your rights, we now have to look to ordinary contract law. You are entitled to purchase a vehicle which is of satisfactory condition and which remains that way for a reasonable period of time. Clearly it is in satisfactory. They are blaming you. Has your independent inspection identified the reason for the defect? This will be important because as you have seen BMW are already saying it is down to your driving and you are going to have to produce evidence that it wasn't down to your driving and the you drove it absolutely reasonably and it was simply the condition of the car. Have you been without the car for any period of time. Is it driveable now? If the car was off the road for a substantial amount of time and was still off the road then you would be able to argue that this is a fundamental breach of contract and that you have been deprived of substantially the whole benefit of the contract and therefore you will be entitled to treat the contract as breached by Big Motoring World and insist on cancelling the contract. It may be that you will eventually be obliged to keep the car but have the repairs paid for. Have you had any quotations for the work that needs doing? I asked you questions about the MOT – but you haven't responded.
    • A 'violent left wing mob', comprised of a chap in a red hoody with a damp polystyrene coffee cup and a bit of wet cement, gets nowhere near cowering frightened farage some distance away on top of his double decker bus .. as farages security and support seem to film the incident grinning     Farage bravely flinches, grimaces and seems to almost burst into tears as the 'objects managed to travel a part of the way toward his position on top of his bus. His reactions honed by having a bit of milk splash him at a prior incident allow him to swiftly fall into a protective cower and grimace .. .. Sometime after, once the mob of 1 had been safely bundled away, farage apparently wipes his eyes of tears, and rising from his cowed and frightened pose, bravely shouts “I will not be bullied or cowed by a violent left-wing mob who hate our country.” .. however few they may comprise of.   https://www.independent.co.uk/news/uk/crime/nigel-farage-cement-barnsley-reform-uk-b2560501.html  
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Go Debt old private & commercial finance 'debt' car finance Claim Issued


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I think it will be a bonus for this to get in court.

 

 

as soon as the judge ses what has actually gone on

 

 

I think he'll null/void the agreement and make them give YOU all the payments back.

 

 

 

 

what do you think theoldrouge?

 

 

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... 

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how does he know what a court will decide?

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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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if were my acc , I would relish it going to court given the facts

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I suppose it would be good, it's just a little daunting when we have never dealt with these things before and have never appeared in court whatsoever. We know what has gone on and we are confident of putting our case across but we're just unsure on the whole legislation side of things.

 

Would we need a solicitor to go to court, we don't really want tha legal costs stacking up. Do you think go debt are pushing for a settlement again because they are worried? If they are worried, why would they even pursue a CCJ? It's all very daunting and confusing at times.

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yu would not need a sols no.

 

 

to be honest.

 

 

this could be quite easy for you

 

 

and

 

 

with the fact that you did not and could not

of signed the repo form

 

 

me thinks on that alone its a done deal.

 

 

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... 

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Share on other sites

I suppose it would be good, it's just a little daunting when we have never dealt with these things before and have never appeared in court whatsoever. We know what has gone on and we are confident of putting our case across but we're just unsure on the whole legislation side of things.

 

Would we need a solicitor to go to court, we don't really want tha legal costs stacking up. Do you think go debt are pushing for a settlement again because they are worried? If they are worried, why would they even pursue a CCJ? It's all very daunting and confusing at times.

 

county court claims are like a game of poker

 

a case of who folds first

 

youve got a very good hand

 

read up, hold your nerve

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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now you have received the claim you are going to have to adhere to the court timeline and deal with it.

 

although we already know most of the details,

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-April-2014**

please read and answer the above as it will help with advice on the legal side of things

 

will move thread to financial legal issues now claim has been issued

PLEASE HELP US TO KEEP THIS SITE RUNNING

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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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One thing we have noticed and we are unsure whether we should raise this now or not,

 

 

but we received an email from go debt stating

 

 

"our records confirm the agreement terminated due to non payment and the vehicle was subsequently repossessed"

 

 

isn't this directly saying they didn't have a voluntary surrender?

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Name of the Claimant ? go debt limited

 

Date of issue – Claim form stamped 29th July 2014.

 

 

On the letter from the solicitors it states

"Please note that the claim form and particulars of claim are deemed to be served on 29 October 2014.

You should therefore respond to County Court Money Claims Centre on or before 12 November 2014.

Should you wish to discuss settlement of this claim, please contact us on the direct line below"

 

What is the claim for – the reason they have issued the claim?

 

the particulars section of the claim is attached to this post.

 

 

What is the value of the claim? £6683.11

Is the claim for a current or credit/loan account or mobile phone account? Car finance

When did you enter into the original agreement before or after 2007? May 2007

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.

 

Debt purchaser; Go Debt LTD

Were you aware the account had been assigned – did you receive a Notice of Assignment?

 

Didnt receive a notice of assignment, the first we heard of it was when we received a letter threatening court action

 

Did you receive a Default Notice from the original creditor? No

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No

Why did you cease payments:- The car was repossessed and I thought that was the end of the matter

 

Was there a dispute with the original creditor that remains unresolved? Yes

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementlink3.gif plan?

 

I advised the original creditor of financial detrement following an accident in which my leg was broken, and my mother made payments for me as i could no longer afford to.

What you need to do now.

 

Answer the questions above

 

If you have not already done so – send a CCA1974 Section 77/78/79 request to the claimant for a copy of your agreement

(except for overdraftlink3.gif/ Mobile/Telephone accounts)

 

Send a CPR31.14 request to the solicitor named on the claim form for copies of documents mentioned/implied within the claim form. There are two different versions - one for Loans/Credit cards the other for Current accounts

 

Request 1 - Loans/Credit Cards

 

Request 2 - Current accounts

 

You may use a CPR part 18link3.gif request for any other information (not request documents) that you might require in order to defend yourself.

Please not that CPR 18 is specifically for Fast Track claims and although technically the claim has yet to be allocated to a track the claimant may refuse to comply for this reason.

 

If you require CPR Part 18 - this will need to be drafted specifically.

 

If you are not planning on defending for one reason or another – then you will need to complete an Income and Expenditure form and contact the Solicitor with your proposal. The N9a is already enclosed in the claim pack for Admittance which should be sent to the solicitor named on the claim form

 

If you are considering making a partial admittance N9b must be completed and returned to the court.

Please note in most cases a partial admittance will result in an automatic CCJ for the amount admitted

 

 

 

See above for the completed form which was referred to; I am a little confused as to the bottom of the form in which I need to send a CPR 18? Thanks.

 

A couple of side notes;

 

 

l this laim makes reference to the default notice,

and encloses a copy,

 

 

however this is the first we have seen of it and this was nt in the original SARS.

 

 

Also, some of the figures just dont make sense;

 

 

on the transcript of the calls it states,

 

 

for example, £200 was paid,

 

 

but on the payment schedule only £119.58 is credited?

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Furthermore, on all my agreements (the original) on the default notice and on the PC things,

 

 

it states that my total amount payable was £6,889.84.

 

 

however on the claim form it states (section 4) total amount payable under the agreement was £6,189.84; however this is incorrect?

 

Also, on the default notice it states the total amount payment is £6,889.84,

states the total amount paid up to date is £2,724.12,

 

 

which would leave £4165.72 left owing.

 

 

However Go Debt are asking for £4,182.11.

 

 

It looks to me that on the claim form they have all their figures mixed up?

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please pdf the pix

 

 

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... 

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Are you sure of the claim date Tiny??

 

Has it been Court stamped? When did you receive it?

 

The debt would've become statute barred on the 30th July so they sent for a ccj on that date and then they had 3 months to serve the claim to my partner; something the FOS have confirmed is fine as they were "protecting their position".

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post 161 is not a claimform.

 

 

that comes direct from the court not the sols.

 

 

is something fishy going on here?

 

 

dx

 

 

 

 

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... 

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Share on other sites

so they issued a claim in july and you got nowt from the court in july nor before?

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... 

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Share on other sites

Have you received one of the following Tiny ?.........

 

http://hmctsformfinder.justice.gov.uk/courtfinder/forms/n001-eng.pdf

We could do with some help from you.

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

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so they issued a claim in july and you got nowt from the court in july nor before?

 

They said that they put the claim forward to stop the statute barred and agreed to hold it until the FOS made a decision, once that was made they sent it through to us. We contacted the county court and they confirmed that this is fine to do.

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