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    • Thanks everyone for all your help, but unfortunately my case was dismissed. This is the 2nd time I've had this happen now so I doubt ill be taking on any parking firms in future sadly. The judge said I lost it on the grounds that the sign said I had 28 days to declare who the owner of the vehicle was, and said I should have complied with this.  My costs are Judgment for the claimant £133.33 Issue fee Hearing fee Solicitors costs - total £265 grand total £398.33 Do those costs look about right?
    • In that case I don't think you'd have any grounds for a claim against the receiver, short of anything actually criminal. The receiver was appointed by the lender so any claim you make should be aginst them. How much equity do you reckon there was when they took possession? Realistic value less outstanding balance (including arrears).  This messing around makes me wonder even more if the property was wildly over valued. Normally a lender would sell and not really care if they got the best price so long as they covered the balance plus their costs. 
    • Hey @lookinforinfo I'm not sure, I don't believe he told them he's the driver. He must have selected an option saying that he's appealing on behalf of the driver or something of the sort. In more news, however, these wannabe thugs are back at it again. Honestly, what a joke. In the letter they sent before this it said they had made "2 attempts" and in this letter they said "4 attempts", I wonder what happened to the "3rd attempt" lol.  WhatsApp Image 2024-04-18 at 14.06.07_44abc9c8.pdf
    • Hi all, I purchased a car in January from Big Motoring World Leeds. At the time of sale I was shown a tab on the salespersons computer marked 'service history' and I was able to take comfort knowing that the car had been serviced on 3 occasions as the date, mileage and company was there on screen. Being a 3 and a bit year old car that, in my mind, constituted full service history 🤷‍♂️ Anyway, collected the car a week later. Once home I settled down to through the book pack etc. Opened the service history booklet and it was completely blank. In addition there were no invoices detailing that any services had been done. I duly contacted BMW and asked them to supply me with proof of service history. They responded saying that on their 'vehicle documentation checklist' I had ticked and then signed to the fact that I had seen the service history and that I was happy with it. I dug out this checklist and what it actually states is 'seen service history online' which I had in the showroom. BMW seem to think that this satisfies their responsibility in providing service history. The reality is that I don't have any proof that the vehicle has ever been serviced! For my own peace of mind I ended up paying for a service that satisfied the manufacturers maintenance schedule to the tune of £330. I even complained to the finance company that the vehicle contravenes the Sale of Goods act 2015 as l, in effect, ot is not as described. Amazingly they weren't interested and instead I just got an email stating that it's not illegal to sell a vehicle without service history and that servicing costs were part and parcel of vehicle ownership. I've since complained to the ombudsman and am awaiting to see if they can help. I have no issue with the car but the treatment and customer service has been the worst I've ever experienced. I don't really know what to do next as I really do feel aggrieved that I've had to pay to service a car that should have already been serviced. Can anyone point me in the right direction please? 🙏
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
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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.

      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.

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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.

      Frankly I don't think that is any accident.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Welcome Finance debt


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Hi, it took me a bit longer than expected to get round to this due to illness and work issues but I finally got all letters sent after Christmas.

 

 

I have a response to CCA request

 

They have sent me a copy of my credit agreement and stated they have requested a Statement of Account which will be posted separately

and to call Michael Brown (Branch manager) if I wish to discuss further.

 

 

I'm not sure what I should be looking for on the Credit Agreement

 

 

however I notice both boxes for Personal Accident Plan and PPI have been ticked with my signature below the ticks look obviously computer generated

and are not in the same thickness as my writing or how I would even do a tick but how can I prove that.

 

 

Shall I scan it and attach?

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Hi, it took me a bit longer than expected to get round to this due to illness and work issues but I finally got all letters sent after Christmas. I have had 2 responses so far to 2 of the CCA requests

 

 

1st: Apex Credit Management (Mint Card) - basically says they are no longer acting on behalf of RBS Group and to contact them directly, they also sent back my Postal Order which I made out to them - is this now useless? And should I just send off a new letter straight to RBS ?

 

 

2nd: Welcome Finance - This is a bit more interesting. They have sent me a copy of my credit agreement and stated they have requested a Statement of Account which will be posted separately and to call Michael Brown (Branch manager) if I wish to discuss further. I'm not sure what I should be looking for on the Credit Agreement however I notice both boxes for Personal Accident Plan and PPI have been ticked with my signature below the ticks look obviously computer generated and are not in the same thickness as my writing or how I would even do a tick but how can I prove that. Shall I scan it and attach?

 

Not showing your signature :)

 

Did you SAR Welcome? I would if not.

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thanks! I will try and figure out how to use the scanner now and just blank out my name and address. I didn't SAR Welcome but can do. Just wish I had the original details!

 

Thats what the SAR will do. And all charges and payments. You may well be due a huge windfall ;)

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I'm not sure about a huge windfall as didn't repay in full but am intrigued to see what I have paid myself and through my DMP... Anyway I think I have uploaded both images... thanks in advance for any help!

Welcome Finance Image 2.jpg

Welcome Finance Image 1.jpg

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can you convert those to PDF please

 

 

follow the upload guide

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... 

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hi ya

whats that cpc thing you used

 

 

can you not simply follow the upload

scan it to a jpg

redact it

pop the pictures into word

then file save as .pdf

and upload here

 

 

don't forget the barcodes...

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... 

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Share on other sites

i'll have a go tomorrow morning, might be easier if I do it using my ipad as have limited programmes on my laptop.

 

 

The CPC thing was not me - that's how it came from Welcome Finance, one piece of paper double sided with the 'CPC View Evaluation' thing across both sides so part of the document is unreadable on each side. I get the impression they have just sent whatever they could ASAP, but I know I definitely did not tick the boxes that are ticked, I don't 'tick' like that!!!

 

 

Thanks for your help I will re-upload in the morning.

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Hi, I do not have the ability to convert to PDF on my laptop, when using an online converter my laptop defaults to a word doc. I will try to get resolved.

 

I have just received a worrying letter from WF saying I have been 'Served under section 87(1) of the Consumer Credit Act

with the attached Default Notice'

 

they have given me until the 18th Jan to clear my arrears or contact them with my proposals.

 

I'm really worried

 

this is now going to impact my credit rating.

 

Strangely the letter I received today is dated 31/12,

however I sent my CCA-request in 2nd Jan

which they replied to on 5th Jan,

 

now I get this dated default dated 31/12???

 

m considering calling them to negotiate a reduced settlement to get them off my case

- what do I do?

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why?

they can enter as many defaults as they like

 

it was defaulted 08/09 you said above?

 

so matters not what else they do

cant harm your file

 

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... 

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as a side issue

welcome will be owing you when you get all the statements from then under an sar to them.

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... 

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Share on other sites

ok,

I'm sure I did originally default back in 2008 as did not pay them for over 10 months

I guess a SAR will show this for sure.

The WF loan does not appear on my credit file currently - can it reappear?

 

I have a statement of account from them already, came late last week.

 

 

My original loan was £900,

I have paid over £900 back and still have a balance of £1300,

 

 

I never agreed PPI and there are so many random charges on the statement,

 

 

I actually want to phone them and tell them what I think but am not entirely sure where I stand

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I have created this thread for your welcome debt

 

 

post here regarding that now.

 

 

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... 

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it cant re appear

 

 

no don't phone them

 

 

get that sar running asap.

 

 

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... 

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Share on other sites

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