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    • wow, thank you for such a comprehensive reply, I have been told that I could use 'Money Claims Online', what do you think?
    • Sorry DX my over excitement or annoyance. On this bank of Scotland credit... Taken out 2003 defaulted and sold to Cabot around 2006. Been paying them £5 a month upto July 2016. Then on advice...thanks DX...CCA to them. Normal response no information available,will be in touch again in 40 days. Out of the blue Jan 2021 reiterated balance outstanding. I explained about my CCA request back in 2016 and they could not find anything. They then advised they would investigate and to give them 16 weeks. Out of curiosity today rang them..about 15 weeks. Advised they had a an agreement for the card. As yet nothing in the post. Hope that makes more sense🙂 Will post up correspondence...if received
    • Thanks BankFodder for your help. I will just wait for mediation process to begin and then take it from there, using the advice and guidance on how to go about mediation from previous cases in this forum.
    • Hi dx I was working agency work at that time and very unreliable.   papayoo
    • And presumably it has been thoroughly checked out mechanically. You're confident that you have identified all the defects. Your situation is this: You can certainly bring a County Court claim against the dealer and on the basis of what you say, you will probably win. Under ordinary contract law, it might be considered that the breach of contract is not overly serious and you have not been deprived of substantially the whole benefit of the contract. On that basis you would more likely to be awarded a sum of damages to reflect the reduced value of the vehicle had it been correctly advertised. Under ordinary contract law, the breach would have had to be so serious that it could be said that you had been deprived of substantially the whole benefit of the contract. This is what is called in law – a fundamental breach – and this would allow you to treat the contract as terminated. This is where you find a difference between ordinary contract law – the common law of contract – and the statutory rights provided under the Consumer Rights Act. Under the Consumer Rights Act, because you have identified a defect and asserted your right to reject within 30 days, then you are entitled to reject the entire contract simply on the basis that the vehicle is not of satisfactory quality – even though you have not been deprived of the whole benefit of the contract because you are still driving the thing around. In other words, the car is not up to the standard that you would expect considering all the circumstances – and particularly in view of the price – about £26,000, even though it is generally speaking a working vehicle. This is why you are better off suing under the Consumer Rights Act because I understand that you want to reject the vehicle and you would not be prepared to accept a reduction in price – although you could negotiate this if you wanted. The complicating factor here is the value of the vehicle. If the dealer Hills Prestige of Lymington,  want to stick their heels in, then you will be obliged to bring a County Court claim against them. Where a claim is for a figure less than £10,000, the action is allocated to the small claims track. Small claims track rules concerning costs are that even if you lose your case, you won't have to bear the costs of the winner. In other words each party bears their own costs. This is done to discourage expensive litigation. It doesn't always work because large corporations don't give a fig and they will spend huge amounts of money trying to crush their customers rather than settle claims which are worth a tiny fraction of the litigation costs; all too often they are bullies. Where the claim is more than £10,000 then it gets allocated to the fast track. This means that if you lose the case then you will have to bear a substantial portion of the costs of the winning party. This can act as a real disincentive to litigate. The problem is that some companies use this as an opportunity to intimidate their customer – who is generally speaking a litigant in person – with the prospect of substantial costs in the event that the customer loses the action. This can put a lot of people off very understandably. Your chances of success here are extremely good that you need to be aware that your risk factor if you lost, you might be faced with a fairly high level of costs – which could be more than £5000. If Hills Prestige of Lymington, decide that as part of the litigation strategy they want to intimidate you, then they could litigate in a way which causes obstacles and delays and which incurs greater costs for them and they would do this simply to raise in your mind the spectre that if you were to lose, then you would be liable for a large proportion of those costs incurred. It's a nasty – who-blinks-first – style of litigation. It doesn't always happen but it can do. Conversely, if you brought this action and you wln then they would have to pay your costs. Perversely though, because (I imagine) you would be bringing the action yourselves, you would only be able to recover your costs at a litigant in person rate which is currently about £18 per hour. I say it's perverse because if you decided that you wanted to employ lawyers to represent you, they would be able to recover their costs at the professional rate. It's also perverse because even though you might decide to try and save money and incur only litigant in person costs, if you lost the action you would have to pay the dealer's costs at the professional way of their legal representatives – assuming that they used professional legal assistance. If you wanted to bring a legal action then we can help you all the way although of course it would be you who would be going to court. We would simply be advising you and helping you to draft your documents and advising you on strategy.  
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
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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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