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    • Yes apologies I thought it was a fixed loan as it involves a guarantee and being a business debt
    • Intrum passing account on to resolvecall and arranging home visit   Any advice 
    • On the second claim – for the front patio and in respect of which you haven't so far issue the claim, as far as we can make out – once again with the kind assistance of my site team colleague @FTMDave, we think that the correct claim should be     This would leave you with a patio which had cost you £7888 – and which is the price that you originally contracted for .   You agreed to pay £7888 for the front patio. If you claimed the £14,000 or so that you are proposing, you would be in a position where you would be getting a front patio almost free of charge   So we think that your claim should properly be for £6439.60 p However in the circumstances, I should certainly wait until we figure out what to do about the first claim that you put in. I've already suggested that you contact the sheriffs – and maybe you would come back here and let us know that you have done that and what they said.   incidentally, these are our figures – you need to do your own calculations and confirm them independently or come up with a different calculation – independently. Same for the first claim.
    • I got a letter saying the police have not received my form, license that I had to send off for 3 points, I have paid the £100 aswell, I sent the license off and form, on the 12th of November, and it got there on the 15th of November, it was signed by the court and it was photographed, for proof..   The letter states I have  an extra 7 days to send it in.. received the letter on the 24th of November...   what happens next? I cannot phone the number on the letter until Monday, its a Monday-Friday helpline...   The last thing  I want is them at my door for arrest, or even banning me from driving...
    • 3rd Try   STATEMENT OF  I Mr will say as follows:    INTRODUCTION  1: I am the defendant and state that the facts contained in this statement are true to the best of my knowledge.   2: There are several documents attached with this statement. (paginated)   3: The agreement was later assigned to the claimant on 29/09/2017 a notice of assignment, incorrectly dated (See Exhibit 1) was sent to the defendant. It is my understanding that the claimant is an Assignee, a buyer of defunct, disputed or bad debts, which are bought on mass portfolios at a much reduced cost to the amount claimed ...10p to 15p in the £1 and which the original creditors have already wrote off as a capital loss and claimed against taxable income. The claimant then issues on mass claims to circumvent and claim the full amount of debt to maximise profit.   4: As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights. This means that when an assignee purchases debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information). The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party.   BACKGROUND   5: The Claim relates to an Alleged Credit card agreement between the defendant and Vanquis bank.   6: Whilst it is accepted that the defendant has in the past had contractual dealings with Vanquis, the defendant is unaware of what alleged debt the claimant refers.   7: The defendant has requested on numerous times a copy of the CCA, the first time, claimant has replied back on 23/11/2020 (Exhibit 1) with a copy of the agreement and notice of assignment, the agreement being a printed out application form, followed by my another letter containing statements(not enclosed). Defendant then again requested on the 07/12/2020 (see letter attached Exhibit 2) a copy of the CCA, claimant has replied back on the 28th Jan 2021 claiming that the evidence enclosed rebuts defendants defence and encloses a statement and default notice. (Exhibit 3) 8: The defendant stated in his defence that no evidence of the CCA has been provided. 9. The alleged account is £less that £200 over the credit limit but the default notice states that the arrears on the account is £200. Under section  87/88 of the CCA the default notice should not include unlawful fees in it sum requested. 10. The defendant sent a Subject Access Request letter dated 30/11/2021, on writing this witness statement nothing has been received.   DEFENCE:   11: The claimant has not provided a true copy of the CCA despite numerous requests being made firstly in September and secondly on the 07/12/2020 in response to claim despite stating in the letter dated 23rd October 2020 `please find enclosed a copy of the agreement. Should the claimant magically supply some form of CCA at trial, defendant would highlight why this wasn't provided, when requested, on numerous times before trial. Defendant would then highly stress to the court that this is indeed not the true copy of the executed Credit agreement.   12: There is no valid copy of an executed consumer credit agreement that complies with the CCA1974   13: The `so called ` copy of agreement stated in claimants letter dated 23/11/2020 is in fact stated as an online application and is no more than a log from either the OC`s operating system or one that has been constructed since with details from the account to look like an application. 14. The notice of assignment dated 11th May 2017 (Exhibit 1) states that the debt was sold to Lowell Portfolio I Ltd on the 29th September 2017. This is confirmed in 2 separate letters. One from Vanquis and the other from Lowell Portfolio I Ltd. Section 82A of the CCA 1974 states that the assignee must arrange for notice of the assignment to given to debtor. The above letters show that the notice of assignment has incorrect dates, thus rendering the notice of assignment invalid and thus the claimant has not acquired the debt correctly and thus cannot claim.   IN CONCLUSION:   15: Without a valid true copy of the executed Credit agreement that complies with the CCA1974 the claimant has no grounds on which to enforce this alleged debt and has in fact attempted to mislead the courts in to believing that they have the necessary paperwork.   16: The incorrect dated Notice of Assignments letters questions the ability of the claimant to maintain correct paperwork and thus the defendant is unsure what paperwork supplied is correct.   17: It is therefore requested that the Claimants Claim is struck out pursuant to the above.   Signed  Dated this day…….      Could you check out this part   "14. The notice of assignment dated 11th May 2017 (Exhibit 1) states that the debt was sold to Lowell Portfolio I Ltd on the 29th September 2017. This is confirmed in 2 separate letters. One from Vanquis and the other from Lowell Portfolio I Ltd. Section 82A of the CCA 1974 states that the assignee must arrange for notice of the assignment to given to debtor. The above letters show that the notice of assignment has incorrect dates, thus rendering the notice of assignment invalid and thus the claimant has not acquired the debt correctly and thus cannot claim."
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may i please have some advise about brighthouse please


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hi

i was wondering if anyone could please help with some advice

 

 

we had to move home about 5 weeks ago due to the wifes sister having cancer

and we being out of work but actively seeking work

 

 

the new house is a bit more costs to run and with cuts in our own money

we sort of fell into a black hole with our payments to brighthouse

 

 

when we got a letter a couple of weeks ago we had make choice that way things have been recently

we had no option but to call the store n ask if could return the items we had

 

 

but could i hell get the guy behind the counter to understand we were really at the end of the barrel sorta thing

but kept offering to get us go in and redo the contracts with cheaper items

 

 

but when asked if could return em he said it does not work like that

we had 4 contracts with the for the sofa - kids tv and washer

 

somehow the idea was if im falling so far behind to send em back

get outta debt with em n replace what we had

 

we borrowed money to replace kids tv and saving for sofa

those easiest to go as only had those for 6 months

 

 

would have been hardest for the washer though as got that in june 2014 so thats over half paid for

 

after 2 weeks of not wanting rewrites of contracts they not been back in touch since

 

 

but yet the bill gonna be building up

i know its not the most ideal situation

but due to the wifes sisters cancer and running back n forth to hospital appointments for chemo n specialists

 

 

just alot has taken its toll lately and really dont know weher been comming or going at times

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Welcome to CAG Stew1970

 

Apologies to hear of the issues you are facing with BH.

We do have a rep but at the best of times they can be a bit... Irresponsible... (They just sherk responsibility onto the store)

 

Do you have the original agreements? As for BH staff... Dont play with them in store. Not Worth it.

How deep are you with Arrear payments etc?

 

Let us know, we will help as we can.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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thank you for your reply

yas we still have the original agreements as we did not not redo the contracts as they wanted to as felt would been like getting into debt all over again n restarting from square one

think the guy on the phone other week with the late fees etc comming in fast he claimed was over 200 quid so for the past week or so since spoke to em its been bit of nightmare juggling everything thats going on and keeping head afloat

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Hi stew1970,

 

Thank you for your post.

 

I am sorry to hear about the difficulties you are currently experiencing.

 

We do appreciate that peoples circumstances can change and we will try to help them when we can. When people advise us that they are in financial difficulties, we have a few options that we can offer to try and help them:

 

• Pick up and Hold – A customer can surrender the goods to their store for an agreed period, during which time no payment is due, they may then resume the agreement if and when their finances improve.

• Alternative Product – A customer can surrender the goods and discuss with their store the possibility of taking alternative items within the same product range, but at a lower weekly payment.

• Returnability – A customer can return an item with nothing to pay, any arrears would be cleared and the agreement then terminated.

 

Obliviously we never like to lose a customer, but we do understand sometimes this may be the best option for them.

 

So we can help you, I kindly request you contact our Customer Relations team on 0800 526 069 and quote reference number 269345. We will then be able to find your account details and discuss how we will be able to best help you.

 

Many thanks,

 

Jason

Web Relations Team

BrightHouse

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thanks jason will give them call this am as last night we missed the store manager when she visited but by time wife went see if was still parked up out back she had left

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well we have spoken to customer relations they say the ref no didnt hold much so took all the nesseccary info and will be having word with the store and call us back

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well just an update of where stand now with it

customer relations were not a great help they claimed would get no more visits etc from local store as it was gonna be escallated to the area manager ( who never got in touch as claimed would in the 48 hour window )

we did get a visit from one of the store staff so we decided take the bull by the horn and invite him in to discuss everything and see best way forward ( and for ones seemed as if he was not on his high horse so helped a little )

we signed kids tv's back over to him as they had already been replaced the sofa he offered us go get a more cheaper affordable one if wanted so arranged that to go back without any payments being required so just waiting collection as we speak

the washer well offered a rewrite claimed would not lose any payments etc on it so as we culd not afford lose that we had no choice but to take that offer but will only be on a short term basis as once finished with sofa we saving for new washer as sat n thought the rewrite payments was staying same but yet a few extra weeks had been put on the agreement and he claimed we had 60 weeks left so figured that time left and the payments could replace the washer for around half that price

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