Jump to content


  • Tweets

  • Posts

    • Hello, I am a private seller and recently sold a pair of trainers on eBay.  Everything seemed fine until just after the eBay 30 day mbg had expired.  The buyer contacted me with photos showing me that both shoes had ripped.  He wanted his money back, and after refusing to refund him, he then left me retaliatory and defamatory feedback on my profile to the effect that I had sold him fake trainers (this was removed by eBay).  He then initiated a chargeback via Paypal.  Invariably, the outcome was in his favour, and I have now been charged for the cost of the trainers.  I would have also been stung for the chargeback fee, but eBay refunded this.  Incidentally, I do have the email receipt of the trainers from when I bought them from a well-established and bona fide online retailer.  The susbequent conversation with eBay followed its predictable course, i.e. the chargeback is out of their hands etc. I have been in contact with citizens advice, and my bank.  Citizens advice told me that as a private seller I'm responsible for the "Title and description" of the goods, but not the performance, or the fitness for purpose.  To me it is clear; if you receive something that's not as described, you don't then use the goods, and more than 30 days later claim 'not as described'.  In my mind, this makes the claim fraudulent.  He's used the 'they're fake' card to give credence to a 'not as described' claim here, obviously, without any evidence.  My understanding is that the chargeback is unlawful, because the trainers were shipped as described.  However, I read something on an eBay forum regarding sellers having no statutory rights, i.e. no right to appeal against a chargeback decision, or to complain to the financial ombudsman.  Does this mean that if my bank disputes the charge on my behalf, it will be to no avail, even if it's recognisably a fraudulent chargeback?  I have reported it via the Actionfraud website. Any advice, anyone?  Would be most grateful!
    • Thank you, I have drafted my letters and started to complete the reply form, printed from this site and not using the one they provided.    2 questions, on the forum link it says to tick box D & I, the reason for box D will be given on my thread, what would my answer be to "I dispute the debt"?  Do I send anything for the Vodafone debt they have included?  I've only done 118 loan s. 77 & capital one credit cards so. 78    Thank you  
    • It'll be something to the effect of:  "I am in receipt of your letter before claim.  I was awaiting a passenger as a licensed cab driver on the Locton estate who subsequently cancelled the pickup after me waiting a while and will fight this in the small claims court if necessary. Plus I have friends who are experts in contractual law and make it their business to defeat these spurious PPC claims.  So issue the claim form or go forth and multiply, up to you"
  • Recommended Topics

  • Our picks

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

Legal stance on defaulted account/statute barred??


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2976 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

First time posting.

I want to thank this site and everyone on it!

 

Beginning of August I received a notice from CCBC that Lowells (via BWLegal)

were beginning court proceedings against me for ~£6500 (HFC Bank loan from mid 2007, defaulted 2008).

 

Lowell bought the debt in 2012 and re-defaulted it!

 

I had spoken to them shortly after explaining that I had tried to renegotiate my monthly repayments with HFC

but they outright refused and ignored all letters I sent their way

- loan was then defaulted June 2008.

 

Lowells apparently ignored all this and just sent bailiff threats and endless phonecalls demanding payment in full.

I ignored them.

 

So this notice of court proceedings...

obviously by August 2015 the debt was statute barred for over a year.

 

 

 

I browsed these forums and found everything I needed to issue a full defence through mcol (deny claim/claim is statute barred).

 

Sent my request to BWLegal for them to send copies of my of my credit agreement (never received).

 

SAR sent to HFC for all account details (received 51 days later :/).

 

Low and behold,

 

Lowells had no legs to stand on and today

 

I received a Notice of Discontinuance from BW :D.

 

All I need to do now is see if I can get the default removed from my credit file!

 

So again, big thanks to this site. Don't let them get you down!

 

-Craig

Link to post
Share on other sites

well done

 

now this default.

 

so Lowell changed the defaulted date

 

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

what about the HFC/Hamilton PPI?

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

You need to establish the date of default originally placed by the Original Creditor. From that point on, the Debt purchaser is only permitted to update it. So if the date the OC placed the default is further back than 6 years, it should be removed from your file.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

First time posting.

I want to thank this site and everyone on it!

 

Beginning of August I received a notice from CCBC that Lowells (via BWLegal)

were beginning court proceedings against me for ~£6500 (HFC Bank loan from mid 2007, defaulted 2008).

 

Lowell bought the debt in 2012 and re-defaulted it!

 

 

I had spoken to them shortly after explaining that I had tried to renegotiate my monthly repayments with HFC

but they outright refused and ignored all letters I sent their way

- loan was then defaulted June 2008.

 

 

Lowells apparently ignored all this and just sent bailiff threats and endless phonecalls demanding payment in full.

I ignored them.

 

So this notice of court proceedings...

obviously by August 2015 the debt was statute barred for over a year.

 

 

I browsed these forums and found everything I needed to issue a full defence through mcol (deny claim/claim is statute barred).

 

 

Sent my request to BWLegal for them to send copies of my of my credit agreement (never received).

 

 

SAR sent to HFC for all account details (received 51 days later :/).

 

Low and behold,

 

 

Lowells had no legs to stand on and today

 

 

I received a Notice of Discontinuance from BW :D.

 

All I need to do now is see if I can get the default removed from my credit file!

 

So again, big thanks to this site. Don't let them get you down!

 

-Craig

Are you sure the " new" default is not just the date Lowell up dated credit files and not a new default at all?

Link to post
Share on other sites

It was when HFC finally responded to my SAR request that I was able to pinpoint exact dates, so here's the abridged version of events:

 

Loan agreement signed: 09/06/2007

Term: 60 months

Default date (From SAR): 31/08/2008 (not June... oops)

Sold to Lowell: 13/01/2012

Default date on credit file: 23/01/2012

Claim form (CCBC): 04/08/2015

 

The HFC/Hamilton PPI is something I've not really looked at... wanted to get this CCJ nipped in the bud first! PPI amount is £842.40 (481.95 before interest). I intend to browse these forums over the weekend to see how I go about claiming. Any advise here will be very much appreciated though :)

 

Thanks

Link to post
Share on other sites

look in the PPI forum

or simply type in HFC PPI in the search cag box of the red toolbar.

 

 

as for the default

copy from the sar proof of HFC defaulted date

send it to lowells

give them 14 days to remove the default & thus the account as the defaulted date is +6yrs now

or you'll seek compensation

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

look in the PPI forum

or simply type in HFC PPI in the search cag box of the red toolbar.

 

 

as for the default

copy from the sar proof of HFC defaulted date

send it to lowells

give them 14 days to remove the default & thus the account as the defaulted date is +6yrs now

or you'll seek compensation

 

Thanks.

 

I'll do just that 😊

Link to post
Share on other sites

  • 3 months later...

Hi all,

 

Figured this was the right place to post this as I seem to be entering the purely "Legal" side of this situation.

I'll try to be brief:

 

Loan taken with HFC bank in 2007

Defaulted Oct 2008 - No payments made since.

Debt sold to Lowells in 2011 who look to have re-defaulted it.

Lowells try to take me to court August 2015.

Sent request to send copies of my credit agreement (never received).

SARlink3.gif sent to HFC for all account details (received 51 days later).

Lowells fail to deliver any goods and send a Notice of Discontinuance in December 2015.

Default is still on Credit file.

I send letter to Lowells requesting they remove default January of this year.

Eventually (40 days later) receive reply from them stating they can't explain why the default was placed 3 years after my last payment to the account, but they have done nothing wrong and therefore won't do anything.

 

So, what do I do?

If needed, I can post a scan of the letter when I get home tomorrow.

 

I understood it is a general rule that defaults should be placed on an account within 6 months of the final payment.

 

Any guidance appreciated!

Link to post
Share on other sites

If it was added correctly then it would stay until 6 years after the default, which it would then be removed.

 

If theyve changed the date or kept it there, then file a notice of correction with the credit agency and then file a complaint with lowell. If lowell have changed the date of actual default, then get a complaint in, get a notice of correction in, and inform the ICO. You could also consider legal action if they refuse to remove it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

old and new threads merged for history..

 

so did you action post 8 ?

 

 

as for the default

copy from the SARlink3.gif proof of HFC defaulted date

send it to lowells

give them 14 days to remove the default & thus the account as the defaulted date is +6yrs now

or you'll seek compensation

 

was there proof in the sar that HFC did default the debt earlier?

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

Morning, I've IMGUR'd scans of the SAR page that shows the default date & Lowell purchase date, as well as the letter from Lowells. The line at the bottom of the letter that says they've removed the default is not true. I've checked my report daily since I got the letter... it's still there.

 

Scans

Link to post
Share on other sites

It can take 30 days for the cra to update their records. Wait until end of march and check

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

Thread moved to the appropriate forum.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...