Jump to content


  • Tweets

  • Posts

  • Recommended Topics

  • 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
      • 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
  • Recommended Topics

Idem Servicing on Black Horse Car Finance


tomlake58
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3567 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

Hi All

 

Please bare with me here.

 

I had a car finance in 2007 and

 

 

in around 2009 I gave the car up because I was made redundant which I thought was the best thing to do.

 

 

As I had paid less than half the loan back

they sold the car and I was left with an outstanding debt of around £1500.

I still believe to this day that I have was well and truly stung because the price they sold the car at.

 

Fast forward to June 2014 and

 

 

I receive a letter from Idem servicing saying that they are taking the debt on

and that my normal payment plan will continue.

 

 

Reading some of the other threads I have seen this company pop up

but it seems to be only dealing with MBNA and Loans that are secured on properties.

 

I have tried to contact Idem by email like it stated in the letter

but to this day have had no response from them.

 

 

I have drafted a letter together for a CCA request

but in the past I know that this doesn't always help

because of the case between someone and HSBC with the judge

stating that a copy is enough evidence to prove.

 

Im slightly worried that they have not contacted me further by phone or email

to try and arrange further payment.

 

 

Also I have a mark from black horse on my credit report which will be in the 6th year in July 2015.

 

 

Will idem put another mark on my file or because its the same debt will it still disappear after July 2015.

 

Any help would be appreciated at this moment in time

 

Tom

Link to post
Share on other sites

Hi Tom and welcome to CAG

 

Did you receive a response to your cca request?

 

Did you sign a form of voluntary surrender

 

or did you request a voluntary Termination of your agreement?

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.

Link to post
Share on other sites

just to add no they cannot mark your credit file after 6 years from date of default

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.

Link to post
Share on other sites

Hi Tom and welcome to CAG

 

Did you receive a response to your cca request?

 

Did you sign a form of voluntary surrender

 

or did you request a voluntary Termination of your agreement?

 

I hasn't received a response as of yet for the Cca

 

Also from memory I believe I signed a voluntary surrender form. I will have to double check

Link to post
Share on other sites

ok, so they never advised on vt then? how close were you to 50%?

 

though you can of course vt at any stage.

 

Any charges or insurances added?

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.

Link to post
Share on other sites

no such things as debt collection fees

 

 

smells like you've been had.

 

 

I bet you got done on repo fees too?

 

 

might be an idea to get an sar off to BH

 

 

unless you have ALL the paperwork and the statements still?

 

 

you're in good hands with TOR

 

 

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

I think I will get the SAR off to black horse. With this will they have to send me all correspondence they have had with any debt collection firms.

 

With regards to the fees added these were for the account to be passed to another company to chase the debt!!!!

 

Im being dumb what is TOR

Link to post
Share on other sites

the old rouge

 

theres certainly no legal remit to allow BH to charge any transfer of debt fees.

 

who suggested the VS them?

 

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

sorry I couldnt get back to you tom last night due to local power cut.

 

As soon as you receive your responses from your sar and cca requests,

 

post them up here minus personal details. The comms log with the sar

 

should be very useful for details surrounding the vs of your car.

 

From the bare facts that you have posted so far, imo as you were so close to the 50% mark

 

on your agreement, you may well have the basis of a complaint (as well as your charges reclaim)

 

in that you were not treated in a fair and reasonable manner by Black Horse.

 

No doubt Black Horse would disagree in the name of profit,

 

but just the sort of thing that the fos may be able to help with

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.

Link to post
Share on other sites

sar to BH

 

CCA to idem

 

have you moved since you got the loan?

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

sign it to

and inc a copy of say a CTAX bill.

 

don't sign the CCA

leave the PO BLANK

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

yes yes

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

The Charges reclaim will form part of your Formal Complaint, along with other matters when you have received a reply to your sar

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.

Link to post
Share on other sites

  • 3 weeks later...

per details showing un-approved

 

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

your attachment was not redacted

 

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

get reclaiming me thinks

 

did you get all the statements?

 

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

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...