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    • Hi, we have 20debts in total which we have been paying back to creditors for the last 8 year plus. Total debt still owing is approx £75k. All debts bar 2 overdrafts are either credit card, loan or catalogue debts. Creditors include 6 accounts held by Cabot, 2intrum, 2nco Europe, 2 Robinson way, 1st credit, link, capquest, capital one, pra, moorcroft and a.i.c. what advice would you give. I have drafted some cca letters but am worried about our mortgage 
    • Thank you once again BankFodder, I like the idea of an independent inspection as I guess there’s a risk of other issues arising here, not least anything raised by the specialist who services it.   The dealer is Marshall Audi in Sydenham, London.   qq - do I first reject the car as per your first post to lock these issues in within the first 30 days, or is the course of actions in your second post sufficient?   Meantime I will also push the garages I have spoken to for written quotes as all were over the phone. Old habits die hard!
    • You haven't told us the name of the dealer. Also, just to recap – any intervention by you could possibly need the dealer to consider that they are relieved of any further statutory responsibility for your car. This is why you have to establish a very clear paper trail and make sure that you inform them about every step you are going to take – and hopefully get their approval. At the same time, I would suggest that you get another full MOT from somebody you trust – and obviously they will be independent and yet the car generally checked out for any possible defects. The MOT and checks do not need to be communicated to the dealer – and you probably shouldn't tell them because it will alert them to possible trouble.  
    • the op has not moved, hence the charge on the present property. can't see why the bank are asking for any details tbh..just being obstructive......    
    • Hi   The issue you have with the SAR as you have previously sent a SAR and they have requested the information to verify your Identiy in post#39 the Time Limit of 30 Calender Days does not start until they have verified your identity and sending another SAR will not change this as they will still ask for that same to verify your identity.   What I would suggest as you do not have the documents they are requesting is to simply provide the following if you have it to verify your identiy again remember the Time Limit does not start until they have verified your identity and they are playing hard ball and know what they are doing:   1. Birth Certificate. 2. Council Tax Bill. 3. NHS Card with your NHS Number 4. Letter from your Doctor confirming your Identiy. (note there may be a cost for this so always check with your GP first) 5. If on any Benefits as these are via DWP provide these letters.   If they still refuse after providing the above and ask for the specific ID in post#39 again report this to the Information Commissioners Office (ICO)   https://ico.org.uk/for-organisations/guide-to-data-protection/guide-to-the-general-data-protection-regulation-gdpr/individual-rights/right-of-access/   https://ico.org.uk/for-organisations/guide-to-data-protection/guide-to-the-general-data-protection-regulation-gdpr/right-of-access/how-do-we-recognise-a-subject-access-request-sar/        
  • Our picks

    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 32 replies
    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
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wonga disregarding letter re. circumstances and payment plan offer


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They say it has been closed. Not wiped. You need more clarification.

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..

 

 

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Well, below what has been pasted in here it also says the following:

 

"If you are in a position of Bankruptcy, you have entered into an Individual Voluntary Arrangement (IVA) or your debt is being managed through a Debt Management Company, you'll need to inform the person managing your debt that you no longer owe this money."

 

So I assume this means it is actually cleared.

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Nope. The wording is still vague enough to allow them to sell it on.

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

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Nope. The wording is still vague enough to allow them to sell it on.

renegadeimp you are even more negative than me! It says in bold letters "you do not need to make any further payments". That's about as slam dunk as it gets if they ever tried to reopen the issue, they are not going to write it in blood! The fact they talk about refunding further payments made to the account further reinforces they debt is settled, not somehow 'deactivated'. Shall report back what change if any is reflected on my credit file when I can.

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"you do not need to make any further payments"

You do not have to make any further payments to who?

 

 

There is no assurance in the letter that any remaining or outstanding balance will not be sold on to a debt collection agency unless they actually say they wont. If they do then the new owner won't be bound by anything said you by the original creditor.

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renegadeimp you are even more negative than me! It says in bold letters "you do not need to make any further payments". That's about as slam dunk as it gets if they ever tried to reopen the issue, they are not going to write it in blood! The fact they talk about refunding further payments made to the account further reinforces they debt is settled, not somehow 'deactivated'. Shall report back what change if any is reflected on my credit file when I can.

 

I speak from experience with advice here and from multiple PDL's. Trust me when i say, when it comes to PDL's, you need SPECIFIC clarification and not general.

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

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I speak from experience with advice here and from multiple PDL's. Trust me when i say, when it comes to PDL's, you need SPECIFIC clarification and not general.
If, for talking's sake, my credit file is marked as settled, could they STILL (or their agents) pursue the debt? I am still in the timeframe to allow a FOS complaint re. My original complaint. Can/should I specifically request Wonga confirm a)the value of the debt, b)the account number and c)that it is formally settled? I'm not overly concerned it would come back to haunt me but may well be naive!
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Unless they state a specific terms such as " The debt will be considered written off. Any remainder owed will not be passed or sold to a third party", then yes, it is still possible for them to sell it on. In regards to your credit file, i would demand they remove ALL trace of the debt from your file. Just having a PDL entry there is detrimental to your credit history as it shows you were struggling for money and had to resort to a PDL.

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

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Why am I not surprised? Pursued Wonga to clarify their broad 'account closed' email and lo and behold they start pestering me by phone. Ignored, recently got an email saying "clearly" the best way forward is to call them. I think not... Asked basic questions, I don't need a chit-chat, just basic responses.

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