Jump to content


  • Tweets

  • Posts

    • Well we won't need to see all of the documents. Your draft letter of claim should be a good start. In terms of the declared value – I have the impression that you declared a value which was in line with the retail price. Is this something you sold or that you return to a supplier? You will probably win this case but the value could become an issue. Please clarify
    • All of the services listed in the upload link to convert to pdf and/or edit pdfs are online, which means you are uploading your documents to another's servers for the merge, and whilst some claim to delete the files within a given timeframe, we have no method of validating this. And so I avoid this, as I do not want my personal and often sensitive information to be in the hands of another. I'll upload to my website and/or one-drive and provide shareable links instead, this way, I remain in control and everyone shall be able to access my documents - there's much, much more than just those two
    • If you simply respond to the NIP and request for driver's details promptly the police will simply process it in the normal way and either offer you an out-of-court disposal or take court action (and which of those will depend on the speed and limit and your eligibility). They do not routinely ask for proof of insurance and there seems no reason why they should do so in your case. £300 and six points is the fixed penalty amount for no insurance. It can be more if the case goes to court. There is provision for n unlimited fine, up to eight points or a disqualification.   That is all as far as the penalty goes. However, you should not dismiss it too lightly. An endorsement for No Insurance will probably double your insurance premiums in the first year. As well as that, if you also have one or two speeding endorsements, the increase will be considerably more. In fact in those circumstances some of the mainstream insurers will refuse to cover you at all and you will have to go to a "specialist" (which means very expensive) broker. 
    • I think we normally recommend people to follow the upload link
    • I removed them as they have my email address on them, and so shall repost them once my Snagit scrolling capture thing starts working (needs reinstalling I think as it keeps falling over); they are an email that runs over two pages, so would be best suited to a scrolling capture. As for multi page formats, this is harder as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking
  • Our picks

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

Firstplus Debt transferred to Credit Solutions after Full and final offer made


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3184 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

Quick outline of case first.

 

My girlfriend had a secured second load taken out with Firstplus about 9 years ago in joint names with her and her then husband for his debts (yes she is aware this was not ideal)

they then split not long after.

 

She has continued to pay this debt with Firstplus.

She then started struggling with the debt £400 per month on top of her Mortgage single parent etc.

 

Case defaulted, got a CCJ and a reposession order now Suspended re-possesion order or something like that.

 

She then started to repay and again began struggling with it so First plus then marked it as defaul and passed the debt to Credit Solutions.

 

They have been tootally unhelpful when she tried to negotiate lower monthly payments stating that this wouldn't even pay the interest and charges so £400 was the minimum she could pay.

 

So a few weeks ago I got her to ring Credit Solutions to ask for a redemption figure.

 

The latest statement from them stated the balance to be £5200.

They said they had to go back to First Plus.

 

We then received a letter from "Eversheds LLP" reason for quotations will become clear.

 

Panicking she ran Eversheds as the figure in the letter was just over £13000 stating "this includes our charges up to the redemtion date".

 

So panickinng she rang them (Eversheds) who stated

" we do not hold an account for you relating to First Plus and have not dealt with them in over 3 years.

 

So confused she rang First Plus who stated yes this included interest and charges from Eversheds

 

. The reason CS held the balance as £5200 was because the interest and charges had been frozen?? Confusing.

 

She advised that she had been offered a bit of cash from her father and was wanting to make an offer.

 

The Firts Plus agent advised to write in explaining her circumstances and with an incomne and expenditure sheeet and this would go before managers.

 

So we did that, explaining that she has been struggling, detailing stress and problems at home as she has a disabled child too and sent an offer of £3000 for full and final settlement.

 

we hear nothing for just under 2 weeks when yesterday a letter arrives from First Plus saying following your correspondence the debt has been passed to Credit Solutions?????

 

And to contact them. your correspondence has been passed to them also

 

she rang Firstplus stating she had sent a letter offering a full and final settlement as THEy had asked.

 

The agent said that it looked as if proper process had not been followed, explaining it should have gone to a manager etc.

 

Again my gf pointed out the Eversheds, Oh yes that will include their charges again she says. To which my gf advised of the call to Eversheds who had nothing to do with it.

 

The agent than said yes the debt really should not have been handled like this but you will have to contaft CS.

 

This all sounds to me like they have really messed this up and leaves us open for a complaint.

 

Also we do not know if they have passed the letter to CS reegarding the F+F Offer.

 

Does anyone have any advice on what we should do, and if we have decent grounds to get CS to accept the F+F offer?

 

I also think CS will bounce it back to First Plus.

 

All very confusing

 

. Writing this just before leaving work so if it is a little rushed this is why. But we are foaming and just wanting to clear this debt with the £3000 we have sitting waiting for them.

 

Any advice appreciated.

 

Many thanks

Link to post
Share on other sites

ERM the debt is subject to a co so why is she paying anything at all?

 

Sounds to me like she's been cash cowed too

 

Have you a copy of the ccj and the. Co?

 

Have you sent everyone involved an sar to get all the statements?

 

There should be no int or additional charges being added to a ccj/co unless the judgement of the ccj specifically states they can charge them

 

Sorry but Eversheds and c's are the biggest fleecers out there

 

I think you've been had blind

 

You also need to stop conversing on the phone

You need a paper trail

 

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

ERM the debt is subject to a co so why is she paying anything at all?

 

Sounds to me like she's been cash cowed too

 

Have you a copy of the ccj and the. Co?

 

Have you sent everyone involved an sar to get all the statements?

 

There should be no int or additional charges being added to a ccj/co unless the judgement of the ccj specifically states they can charge them

 

Sorry but Eversheds and c's are the biggest fleecers out there

 

I think you've been had blind

 

You also need to stop conversing on the phone

You need a paper trail

 

Dx

 

Apologies not a CCJ but a reposession hearing which now has a suspended repossession order.

 

 

My fault.

It's all been very stressful for her but we hope to get a letter from CS soon

so will see what they respond with or whether they ignore the offer if they have even received it from FP.

 

Col

Link to post
Share on other sites

ok so the repo etc is nowt to do with firstplus/cs/eversheds debt that you want too F&F on?

 

 

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

ok so the repo etc is nowt to do with firstplus/cs/eversheds debt that you want too F&F on?

 

 

dx

 

Yes it was for the second secured loan with firstplus which has now been passed to CS. It's as if FP may think that they would not have much of a case in court to follow up the repo order as the amount that has been paid to date on the original loan and now with all this confusion and what has happenes.

Link to post
Share on other sites

ok so the repo was stopped

did it go to court

what did the judge order be repaid PCM

do you know?

 

 

as you say CS are powerless

 

 

something not right here or I'm being thick which is pretty std where legal stuff is concerned

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

ok so the repo was stopped

did it go to court

what did the judge order be repaid PCM

do you know?

 

as you say CS are powerless

 

something not right here or I'm being thick which is pretty std where legal stuff is concerned

 

The CO was to make her pay the monthly payments of almost £400.

She didnt know enough to do a proper income/expenditure work out etc.

 

That tho was almost 6 years ago.

FP coukd easily go back to court and get the repo.

 

 

But i wonder

a. Has she paid too much back now for them to win. And

b. Back to the original post the way it has been handled in the last few weeks seems very suspect to me.

 

 

I wrote the letter and accused FP of false representation in using eversheds letter when they arent dealing with it.

Eversheds know nothing about this letter being sent which means they didnt send it but FP did.

Must be illegal that.

Claiming to be a legal firm and stating the settlement fig includes eversheds costs.

 

 

So I point this out in the letter after THEY said to write THEM (FP) and all they do is pass this to CS

That cannot be right

Link to post
Share on other sites

So after receiving a latter stating the debt had bene transferred to CS, my gf receives a call today from First Plus asking for Bank Statements and Payslips to make a decision on the offer. What on earth is going on is beyond us. We don't know who we are dealing with and who the debt is with anymore.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...