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    • Thanks for letting us know about this. I'm afraid that this website is mainly bad news about companies so it's very refreshing and very decent for someone to come along and to give praise where praise is due. How about a link to their website?
    • Having a little additional think about this, I think that your interests are best protected in the following way: You inform the seller that you are obtaining the quotes which I have referred to above. Having received the quotes, you then inform them that you are proposing to have the work carried out at XXX garage and that you will expect that the seller will reimburse you for the costs and associated expenses. You can tell them though that you understand that they may want to control the work being done to the car and so you are willing to allow them to do it but as the fault has manifested itself at this point and that it is clear that the problem is their responsibility, if they wish to carry the work out themselves then they will have to organise the collection vehicle and the delivery of it to you once the work is completed. Of course this will be very expensive for them and they will either fail to respond or they will refuse. Whatever their reaction, you would then go on to say that as they have failed to respond/declined the invitation to carry out the repairs themselves, that you are now going to your preferred garage – one of the two quotations which you have supplied – and you will have the vehicle repaired there. You are giving them an opportunity to comment. I think that if you use this approach, then you will be able to demonstrate very clearly that they had a choice and therefore they will be unable to disassociate themselves from the repairs which are eventually carried out at your chosen repairer. Even though this exchange of correspondence may mean that it will take a week or so longer to have your repairs carried out, I think you should do this in order to protect yourself in the best way possible
    • Please name the dealer   I would start off by sending them a letter of rejection seeing as you are within the 30 days. This doesn't mean that you have to reject it but it reserves your position. Secondly, on the basis of what you say, I don't think that you need necessary to find the cheapest place. You should be looking at the best quality that you can find. I think the best thing to do would be to get to competing quotations for the work you propose to have carried out – and not necessarily at the cheapest place, but a couple of proper reputable garages – authorised for that kind of vehicle. Inform the dealer as to what you are doing and providing with copies of the estimates for the work before you put it in hand. Give them five days to object or to make other comments. Make it clear to them that once the work is carried out that you will be looking to them to reimburse you. Of course you are opening a can of worms here because if you get some further problems – more serious – you may find that the dealer is starting to say that because you have carried out your own work so your own repairer on the car, they cannot now say that any defects were inherent in the purchase – and that they may have been introduced by 1/3 party repairer. I'm afraid that you have certainly fallen into a trap of buying a car a long distance away from where you live. We find that people often tend to do that because they think the car they have found is the only one in the world for them. They forget to factor in the difficulties that they will be if there are defects – particularly if the car stopped altogether – the cost of transportation to the dealer, the cost of having to travel up and down the country to collect the car – and of course these difficulties could emerge several times through the initial years of your ownership of the vehicle if you are relying on your statutory rights and expect the dealer to meet those obligations. Furthermore, if you have to bring a court action against them you are now dealing with multijurisdictional claims – suing out of Scotland against the defendant in England and that adds to the complications. It's too late for you to do anything about this – unless you actually decide to reject the vehicle – but at the very least, other people who come across this thread may get some benefit from these comments. I think it's important for you to get the best quality repair you can and to make sure that the dealer is aware of what you are doing so that if later on they try to deny responsibility for further defects, that you will be able to show that they were fully appraised of what you are doing and they will have less room to manoeuvre themselves out of their statutory obligations. I'm afraid that purchasing a car from one dealer and then having it repaired by another service provider, brings into the same kinds of difficulties that somebody who purchases a central heating boiler from one supplier and then has it installed by a different supplier find themselves in. When things go wrong, the seller blames the installer. The installer blames the seller – and you, the customer, are piggy in the middle. Not a good place to be. I notice that you are doing things on the telephone. Big Fail! Read our customer services guide. In your situation you should be extremely careful to make sure that you have got a record of everything and a full paper trail
    • What information do DVLA need for a provisional licence ?   Think the ID issue needs to be looked at a bit more. Surely you have birth certificate, school information, Doctors records. School and Doctors should provide a letter to help with ID.                
    • Amex as with any creditor must help you the FOS should go with you and make them remove all interest charged from the very 1st time of asking for help. the FCA regulations actually almost dictate it, they most certainly clearly state that if the are FCA registered they must help.   it's very telling they have no marked your credit file....almost as if they know they are wrong. it's also telling that an irresponsible lending complaint might well be in order hear too, they can just keep upping the credit limit without checking you can pay. and ofcourse covid plays its part here and they've already admitted as they allowed payments holidays until october in line with the rest of the industry and they should be continuing that. you problem is you keep using the phone, no paperwork no record of things discussed. i'd get an SAR off to them. and get the comms/account log and all the statements from day one and go nail them.
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Secured Picture Loan who sold it to Webb who sold to Idem - Repossesion hearing


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So 10 months of missed payments is £3,400 ? and the remainder of the £10,000 they are claiming is charges ? Do you have an up to date mortgage statement showing these charges ?

 

We can help you to submit a defence to the court

 

I know some of the charges are very spurious like 2 for the same day and one for a visit which we never had but still Idem charged for

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OK, when you get the statement we can get to work on the court papers

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Just been checking my laptop and do have PDF's with all a breakdown of all payments and charges .

 

 

Also apologies I miscalculated and this loan was bought by Idem Jan 2014

so missed payments will be going back till then.

 

 

You can see by the PDF's I post up

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  • 3 weeks later...

here are the latest statement from Idem

 

goes back to when Picture had it back in 2007.

 

I can see at the end they have reimbursed some charges and the supposed visit which never took place but FOS was involved then.

 

I had a call from them to say they were not opting for repossession

but wanted a fixed payment schedule in place.

 

They have not responded to my offer of payment which I sent in writing beginning of Feb.

 

how can I offer a repayment if I dispute the interest/charges and would ask a judge to hold all interest for the term of the loan ?

 

Sorry missed off page 1 & 2

 

Please let me know if you are unable to view these attachments

statements.pdf

Edited by dx100uk
docs merged to one file + page 1 redacted properly
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if you can click on them and see them

we can

however

as advised

i'll put them all in one document for ease

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, a judge will not be able to tell Idem to hold the interest for the term of the loan

as they cannot change the terms and conditions of your loan agreement,

 

 

they can only decide whether you can afford to pay the monthly payment and something towards the arrears each month.

 

 

In your statement for court you can state that they have taken their charges from the monthly payments you have made, thus keeping you in arrears.

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Hi, a judge will not be able to tell Idem to hold the interest for the term of the loan

as they cannot change the terms and conditions of your loan agreement,

 

they can only decide whether you can afford to pay the monthly payment and something towards the arrears each month.

 

In your statement for court you can state that they have taken their charges from the monthly payments you have made, thus keeping you in arrears.

 

Hi Ell-enn.

Thanks for that at least if gives me something to come back with.

 

 

Can you help me draft a statement.

 

In the meantime is it worth sending another letter with payment proposals to see if Idem will accept ?

 

 

I wanted to argue to the judge that the arrears were excessive

 

 

and I had asked Idem to hold interest while I tried to catch up !

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OK, I am at work at the moment but will take a look as soon as I can. Did you send them a letter offering payment ?

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OK, I am at work at the moment but will take a look as soon as I can. Did you send them a letter offering payment ?

 

Yes I offered contractual plus £50

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Do you have a copy of the letter ?

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Do you have a copy of the letter ?

 

Yes I do and it was posted on the 4th Feb but received no reply. I have a second letter ready to go with proposal for payment plus the arrears I have added that they have not responded to the first letter.

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Hi, can you post up what you have put in the letter please.

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Hi, can you post up what you have put in the letter please.

 

Dear Sir/Madam.

Please find this letter in relation to your letters dated 25th January in which you state that you welcome the opportunity to discuss any problems in an effort to resolve this in another way.

I welcome this approach and am now in a better financial position to be able to offer paying the amount of £340 each month plus £40 towards he arrears but ask the following to be able to reduce the balance and pay off the loan within a shorter timescale :

All interest to be frozen or held for the length of the loan

Removal or reduction of current arrears to bring the loan back to original balance.

Please let me know if this is acceptable as I wish to start this procedure with immediate effect and avoid unnecessary court visit with court costs

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Hi, can you post up what you have put in the letter please.

 

My second letter is referring to this offer and no response received which I will show to the court

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OK, but you should be aware they will not remove the arrears as they are missed contractual payments, the best you can ask for is that they accept payments towards the arrears in addition to your normal monthly payment. I can draft you a letter if you wish.

 

However, remembering that the court hearing is on 7th March the likelihood of them getting the letter and responding before the hearing is pretty slim. I think you should get the statement done and handed in to the court this week, then if they do respond to the letter in time you can take a copy along to the hearing.

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OK, but you should be aware they will not remove the arrears as they are missed contractual payments, the best you can ask for is that they accept payments towards the arrears in addition to your normal monthly payment. I can draft you a letter if you wish.

 

However, remembering that the court hearing is on 7th March the likelihood of them getting the letter and responding before the hearing is pretty slim. I think you should get the statement done and handed in to the court this week, then if they do respond to the letter in time you can take a copy along to the hearing.

 

Hi Ell-enn a draft letter would be fantastic and if you could assist with the statement that would be appreciated.

 

Thanks

JJ

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OK, will post up a letter shortly. In the meantime can you please complete the affixed budget sheet (it calculates as you fill it in), let me know when you have done it. You need to send the letter and budget sheet by special delivery tomorrow (signed for) so they get it on Thursday.

 

I should have some time in the morning to draft a statement for the court - will you be able to hand deliver it tomorrow or Thursday latest ?

 

Is the mortgage only in your name?

Budget Sheet.xls

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OK, will post up a letter shortly. In the meantime can you please complete the affixed budget sheet (it calculates as you fill it in), let me know when you have done it. You need to send the letter and budget sheet by special delivery tomorrow (signed for) so they get it on Thursday.

 

I should have some time in the morning to draft a statement for the court - will you be able to hand deliver it tomorrow or Thursday latest ?

 

Is the mortgage only in your name?

 

Hi Ell-enn . I can have the budget sheet completed tomorrow . Yes not a problem to hand in draft statement tomorrow

Thanks

JJ

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Is the mortgage in your name only, or joint names ?

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Is the mortgage in your name only, or joint names ?

 

Its in joint names but my wife and I are separated and we no longer reside toghether

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OK, affixed is the letter you need to send today - when you print it out make sure the printer is set for A4 paper(not letter size) ensure the text all stays on one page - send it by special delivery 1pm tomorrow (around £5, I think). A few days after posting check on the royalmail website to print off the proof of delivery - keep that safe with a copy of the letter and budget sheet.

 

Have you done the budget sheet ? I'm happy to look it over if you need me to.

JJ69 letter.doc

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JJ are you still on line ??

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JJ are you still on line ??

 

Sorry Ell-enn been on some remote sites today with no network access. I have done the I&E so happy with that and many thanks for the letter it will be posted in the next hour

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How much did you show as being left over in Step 5 on the budget sheet ?

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