Jump to content


  • Tweets

  • Posts

    • I do disagree with you regarding one thing - we are not very good with letters or these situations and are slow on the uptake. So far you have stood up to Excel and their threats, immediately given us the information in the sticky, done loads of reading up to educate yourselves, learnt from the mistake of outing the driver so you'll know not to do so in the future, got on to the organ grinder to try to get them to call off their dogs, etc., etc.  Good grief - we wish everyone who came here would do this!!! Most people who get these invoices sadly think they have been fined and if they don't pay a drone from Ukraine will be diverted and will fall on their home (or some such vague grand apocalyptic threat) and they fold and give in.  You haven't.  Well done. Don't worry - you won't be paying a penny.  Although it will take some time to see off this vile company.
    • Spot on!  You learn quickly. Who cares if the case gets sent to debt collectors?  They have no powers.  All the effort you will have to put in will be to open envelopes - and then spend time laughing at their daft "threats".  No stress at all!
    • I did ask them why, but seems they have more spare cash than we do .. ;-( .. I doubt their bank would even support a chargeback after a year has passed. Anyway I've constructed my first DRAFT Snotty Letter .. so here goes ..   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you had added. Shall we raise that related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding the ANPR entry / exit periods compared with actual valid parking periods. Especially with no consideration of the legally allowed grace periods and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the issues with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture more useless ANPR photos. We will of course be requesting “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Legal Counsel on behalf of the Vehicle Keeper.  
    • Hi,t I'm not sure if I'm posting in the right subsection but General Retail appears to be the closest to it I think... About a year and a half ago I got a new phone so I listed my iPhone 10 on eBay.  The listed stated 'UK only' and 'no returns accepted'. Considering I had had the phone for about 4 years, I myself was amazed that I had kept it in such good condition all that time - apart from being slightly scuffed around the charging port there was absolutely nothing wrong with it. It had the original box, its unopened original Apple cable, plug, and earbuds, and I threw in a case for it and It had always had a screen protector on it. Someone wanted it from Armenia, and I stupidly agreed to it.  She paid and I sent it off, fully insured. Not long after she received it, she sent a message saying it 'was not as described', so I asked to see photos of whatever was the problem.  She sent two photographs of the box.  Just the box.  I said I wasn't even going to consider refunding her unless she told me what she meant by 'not as described'.  I thought, if it's been damaged in transit, then it would be covered by the insurance. Anyway, she didn't respond at all, even though I had messaged her several times, so she opened a case with eBay. I have sold a fair few things of mine on eBay in the past buy had never had had anyone come back to me asking for a refund.  I got in touch with eBay several times by phone and by email, and found out they always side with the buyer, no matter what with their 'eBay Seller Guarantee'.  She had been told she could keep the phone and told me they would recover the money from me from my account blah blah.  So I unlinked all of my cards etc and changed my bank account to one that I never use with no money in it. My account got suspended.  I continued to try to explain to eBay that I had been scammed but I got nowhere. My account was permanently inaccessible by this point. I reported the phone stolen and the IMEI blacklisted but I'm not sure if that would make any difference being in Armenia, but it was all I could think of to piss the buyer off. A couple of months later I was contacted by email by a debt recovery company (I can' remember who now), to whom I explained I will not discuss the matter with them until I had received an SAR I had requested from eBay. As I could no longer access my account, I couldn't review the communication I needed to show I was not in the wrong. The SAR was produced but I was advised that the information I was looking for would not be included but I said I wanted it anyway.  There were so many codes etc. and hoops to jump through to access it, that even after trying whilst on the phone to them, I still couldn't get into it, so I never got to see it in the end.  I think they said they would send the code by post but they never did and I forgot about it after a while. I've just come across a couple of emails from Moorgroup, asking me to phone them to discuss a private matter regarding eBay.  I haven't replied or done anything at all yet.  The amount they are trying to recover from me is £200ish from what I remember. I know it's not that much but I don't want to pay the b*astards on general principle. I've had a lot of useful advice from CAG in the past about debt collectors but it has always been about being chased by creditors, I've never been in this situation before. I don't know what power they legally have to recover the 'debt', and most importantly, I am two years into a DRO, and the last thing I want is another CCJ to shake off if I'm cutting my nose off to spite my face.   Any advice gratefully received!!
    • Hi, I have the Sims 4 on Macbook. Over the last year I have paid for multiple add on packs spending a lot of money on them. I bought them all in good faith as my Mac met all the minimum requirements to play them. I have been playing happily for about a year and bought my latest pack just over a week ago. The games were all working fine yesterday. Then suddenly today EA released a new app to launch the games and this new app requires a MAC OS that my computer cannot use. Now suddenly none of my games are accessible and I am unable to play anything. They did not warn us about this change in requirements and if I had known they would be doing this I wouldn't have bought all these add ons as they are now all totally unusable. The games themselves have not changed, only their app to launch them and I can't afford to buy a brand new mac just to play. So my question is how can they change the minimum requirements after I have paid for a game? I agreed to pay for them based on the fact my mac met their requirements and was not informed when purchasing that this would be an issue in the future. I understand new games (like Sims 5 which is to be released next year) might not be compatible but this is a 10yr old game that they have suddenly made inaccessible due to their new launch app. Does anybody know if I can do anything or anyway to get a partial refund from them? Thanks   Here are their T&C... I can't find anything in there about them being able to do this so not sure what to do https://tos.ea.com/legalapp/WEBTERMS/US/en/PC/
  • 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

Old BH Loan Sold to DLC/Hillies - help


scared34
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3178 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

Hello all,

 

I would appreciate any advice on this.

 

 

We had a loan with black horse taken back in 2008,

due to financial difficulties we stopped paying our agreed monthly payment

and went for reduced payment plan initially with BlackHorse.

 

 

After about 12 months the debt has been assigned to Ascent whom we were paying the same amount agreed with BlackHorse.

 

 

Couple of weeks ago we have received letter from Hilsden Securities trading as DLC

informing us that BlackHorse has sold debt to them and they are now our data controller.

 

 

However the amount Hilsden claim we owe is incorrect.

How should we play this?

 

When account was still with Ascent we have made CCA request and SAR request to Blackhorse.

 

 

Sar is dated 17th of June with all payments that have been made up to that date.

We also can prove payments made after that date.

 

What should we do?

 

All help is greatly appreciated as always.:-D

Link to post
Share on other sites

You had an agreement with BH to pay a reduced amount, which they agreed to, did they tell you that they were 'selling' this to DLC?

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

and was the CCA compliant?

 

 

if BH sold the debt

 

 

you can be your bottom dollar

there are reclaimable insurances and PENALTY charges to reclaim I bet.

 

 

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

And whatever you were paying BH drop it right down to £1 a month or at the very least cut it by 50%.

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

Hello all,

 

I would appreciate any advice on this.

 

 

We had a loan with black horse taken back in 2008,

due to financial difficulties we stopped paying our agreed monthly payment

and went for reduced payment plan initially with BlackHorse.

 

 

After about 12 months the debt has been assigned to Ascent whom we were paying the same amount agreed with BlackHorse.

 

 

Couple of weeks ago we have received letter from Hilsden Securities trading as DLC

informing us that BlackHorse has sold debt to them and they are now our data controller.

 

 

However the amount Hilsden claim we owe is incorrect.

How should we play this?

 

When account was still with Ascent we have made CCA request and SAR request to Blackhorse.

 

 

Sar is dated 17th of June with all payments that have been made up to that date.

We also can prove payments made after that date.

 

What should we do?

 

All help is greatly appreciated as always.:-D

 

You simply ask them to account for the discrepancy. Advise that you can prove all the payments made and would like an explanation as to why their figure differs.

 

They cannot charge you for debt collection.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Hello,

 

Thank you all for advise. CCA they provided is complaint.

No insurances on loan. There was few charges fir the amount of £225 on it, letter to reclaim them have been sent(awaiting BH response).

I will sent letter today asking for discrepancy.

Best regards

Scared34

 

Another question guys,

 

If alleged sale of debt between Blackhorse and Hilsden Securities took place,when Hilsden will show on my credit file?

 

I checked my CRA file today and BlackHorse is still the owner of debt.

 

There is also no defoult entered against it.

 

It just simply sais 'late payment'

 

How can I find out if the has been trully sold?

 

Thank you all for advice

Scared34

Link to post
Share on other sites

you should have received a letter entitled 'notice of assignment.'

 

 

if you have not

then they are only collecting

and can be ignored, keep paying as and to whom you have been.

 

 

 

 

what was the Org loan about please? and from when?

 

 

you say the CCA is complaint?

 

 

I cant see any other threads here with the info in ?

who decided it was complaint?

 

 

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

Dx,

 

Notice of assigment has been received. It states as follow:

 

' we are writting to advise you of an important change to the ownership and managment of your account.

As your current account remains in arreas we have pass your account and outstanding balance to Hilsden Securities trading as DLC.

You will receive a seperate letter from dlc confirming the transfer of ownership and responsibility.'

Letter from Hilsden received as well.

 

The loan was taken out back in 2011 for £9000 with annual i intrest rate of 16.70% per annum.

 

CCA we received is exactly the same as the one we still have at home.

You can clearly see amount of credit, total charge for credit, total amount payable,

amount of monthly repayments, ours signatures,

and terms and conditions at the time loan was taken.

 

 

Based on that we presume CCA us legit.

We want to pay it back, we just do not want to pay more that we owe.

 

 

Best regards

Scared34

Link to post
Share on other sites

Have you reclaimed any insurances and charges at the interest rate they charged you? Something is fishy with the debt as it is rare for a creditor to simply sell such a large debt off when they could take you to court themselves.

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

Link to post
Share on other sites

have you ever sent BH an SAR to get all the statements?

 

 

its rare for a debt to be sold without a good reason.

 

 

for a loan of £9k in 2011 this is rare

 

 

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

renegadeimp,

 

There was no insurance on loan. Few charges for £225- we started reclaiming process and used spredsheet from here.

 

have you ever sent BH an SAR to get all the statements?

 

 

its rare for a debt to be sold without a good reason.

 

 

for a loan of £9k in 2011 this is rare

 

 

dx

 

Dx,

 

Yes we have. Sar received whith all info and statements, we havent found anything suspicious in SAR. Altough what we should look for in SAR?

 

Scared34

Link to post
Share on other sites

You need to SAR the OC. Something really isnt adding up here.

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

Link to post
Share on other sites

And send a CCA request to DLC.

 

 

While they will probably come back with the same compliant agreement,

a properly formed CCA request includes the requirement for a Statement of Account.

This is the bit that you want because it is legally binding.

That should make them check properly and come back with the right amount.

 

If not, you have a clear dispute.

 

 

Send them a letter headed Account In Dispute and tell them you are paying nothing until they get it right.

 

 

You could tell them that you have proof of the amount - depends how brave you are

but I would consider not letting on what the amount is just yet.

If they can't get it right, they have no business asking you for payment.

Link to post
Share on other sites

  • 1 month later...

Hello all,

 

I would like to ask advise on this matter please.

 

 

We have unsecured loan originally with Black Horse which has been sold to Hilsden Securities.

 

 

Notice of assignment received they have all paperwork and are on credit file as debt owner.

 

We have agreed on monthly repayment plan

 

 

when I looked on my account online they are adding something called Miscellaneous ledger postings every month.

 

 

It is about £80 every month!

 

 

Could anyone advice me what that stands for before I query it with them.

Thank you in advance

Link to post
Share on other sites

old and new thread merged for history

 

no DCA has any legal remit to add anything

 

can we see this supposed compliant CCA please

 

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

Thanks DX

 

I will post it up tomorrow.

 

Hello all,

 

I am back again and again in need of your help regarding the same issue with Hilsden Securities applying intrest to my debt.

 

Paragraph about intrest from CCA agreement states as follow:

Intrest will be calculated at the intrest rate shown on page 1 on the daily balance outstanding on the Account

and debited to the Account on the last day of each calendar month.( after as well as before any judgment)

 

Can anyone share their wisdom whether they are allowed to apply intrest?

 

Thank you in advance

Link to post
Share on other sites

  • 3 months later...

well we need to see the compliant CCA return

to see if you should even be payin this debt first

 

 

please post up your agreement

so we can help you.

 

 

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

pdf please

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

  • 4 months later...

Morning all,

 

I have question regarding loan agreement for a personal loan we took in 2009.

 

 

debt originaly with BH has been sold to Hilsden last year.

 

 

In response to cca request they have provided agreement but my date of birth is wrong.

 

Does it mean agreement is void?

 

Regards

Link to post
Share on other sites

When you got the CCA pack back did it include all of the terms and conditions with it? As far as the DOB goes that is just a technical issue...

 

Can you please add some more history to your thread so we have a better idea of your issue. Then let us know if and when you made your last payment on this debt and do on..

 

Does this still show on your credit file. Has there been any fees added or reclaimed?

If I have been of any help, please click on my star and leave a note to let me know, thank you.

Link to post
Share on other sites

CCA is exactly the same as the one we still have at home from the time we took loan in 2009.

 

 

We were paying reduced amount for about 6 months from 2011,

BH passed debt to Ascent and then sold it to Hilsden.

 

 

We have agreed on monthly paymet plan and we are paying it off gradually.

All fees have been reclaimed back when debt belonged to BH.

 

We are in a dispute now over interest hilsden is still appying.

 

In my understanding debt buyers are not allowed to add intrrest unless there is special clause in agreement allowing them to do so.

Regards

Link to post
Share on other sites

old and new threads merged for history

 

 

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...