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

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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CO-OP cca/sar then sells


mikeymack2002
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Hi all

 

 

I am currently helping 2 friends sort out their debts with the CO-OP

both have current accounts and credit cards.

 

 

Both debts in default 2013/14 both pre 2007.

Defaults in 2013/14 all debts currently showing on credit files.

I am waiting for the monthly updates on the CRA files

 

Last payments both were 2013/14

 

I sent a CCA to them 07/07/2014 no reply to either.

 

 

Follow up letters sent still no replies to both.

Both sent via RM and signed for receipted and still have the screen shots of the signatures date and time.

 

So on 01/12/2014 I SAR them both.

Via RM and signed for receipted and still have the screen shots of the signatures date and time.

 

On the 19/12/2014 I receive a letter from the CO-OP saying the debts have now been sold to HOIST.

 

Why would the CO-OP sell the debts in access of £20k?

 

I know that the CCA's and SAR are still valid what would the next steps now be?

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

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DX will normally say something fishy but i always disagree...

A lot of debts are sold as part of debt sale, not because there is something wrong but they seem to get a better rate when buying in mass bulk.

 

Wait for SAR Response, also wait for CCA if they havent sent them yet...

See what turns up.

Remember no CCA for Current Accounts but credit cards will deffo have one.

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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I know no CCA for a current account as they are exempt from that this is why the SAR was sent.

But within days all accounts were sold.

 

 

I know from other experiences that the CO-OP are very lax in regards to keeping correct records.

I am a customer as well and have requested a CCA and to be informed they no longer have one

this account was opened in 2014 the agreement is already lost.

 

The CCA's are already months overdue BTW by 5 months already

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

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Lenders sell debts for a number of reasons. Maybe they think the debt is going to go bad so they off-load it to someone else and get at least something back for it leaving the debt purchaser with the potential headache of collection. Another reason is that they may want to make their overall balance sheet look healthier by getting rid of some toxic debt.

 

It may be that they know they have an unenforceable debt on their hands and palm it off to someone else.

 

Hoist will need to come up with the appropriate documentation to be able to enforce, whether this a recon for April 2007 accounts onwards or a copy of the original signed agreement for dates prior to that.

 

For the overdraft there should be a copy of the overdraft agreement/advice letter produced. Evidence of the usage of the facility would also go in their favour.

 

If it were me, for the sake of a couple of quid, I would send CCA requests for the appropriate accounts to the new owner, perhaps include a paragraph to the effect that the original owner has thus far not complied with previous requests.

 

Failure to provide relevant documents under a S77/78 request carries no sanction other than failure to comply means it is unenforceable in court until they do comply.

 

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ims21

 

 

Those were my thoughts exactly its only a few quid and that will stop enforcement for a while as well. I will CCA the DCA's again and explain this to the debtors, also a SAR was sent recently as well that will return a CCA as well I believe

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

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ims21

 

 

Those were my thoughts exactly its only a few quid and that will stop enforcement for a while as well. I will CCA the DCA's again and explain this to the debtors, also a SAR was sent recently as well that will return a CCA as well I believe

 

There has been much debate on whether a SAR will yield an agreement. I have to say that some lenders will provide it with a SAR, others won't. One outfit that I was involved with did send me a photocopy of the signed agreement from 1989/90 as part of my SAR.

 

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