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    • I'm afraid that you are dealing with an on-premises contract and so you are not entitled to any cooling off period. The only way to deal with this will be as I have already suggested, to assert your right to rejection under the 30 day rule contained in the consumer rights act. So write the letter now. Which dealer are you talking about? What is the car – make, model, price, mileage? Of course with your letter you don't need to go in mob handed. You can start off very gently but make sure that the letter does assert your rights. You never know, you might be dealing with that very rare creature – a second-hand car dealer who is proud of what they do and of the service they give. By the way why do you tell us about your earlier car because it sounds to me as if you might have some recoverable damages there. Start a new thread for that one. Just because you have got rid of it doesn't necessarily mean that you have no opportunity to get some of your repairs money back if you tell us all about it.   While you are dealing with this problem, you will acquire some transferable skills which will allow you to sue other people with greater confidence so you may as well start applying them immediately. It's all about economies of scale – if you get what I mean.
    • thanks dx makes complete sense now for point 2 all I have is chase letters from lowell nothing really to prove the debt. surely I get the case set aside and it starts the whole process again they have to provide paperwork to prove the debt or at my worst contest the interest.  then normally lowell when contested they cant provide any proof? worst case I'm hoping to get case set aside and then lowell make me an offer or something for 50% off? I reckon  that's worth a shot? 
    • Not much I can do for the next week or 2 until all the payments have returned to PayPal then obviously wait for the phone calls. I’m going to ignore any calls, letters and emails from DCAs. I’ll ask PayPal to only partially freeze my account so I can make payments from my old bank account to gradually pay it off. I’m hoping if they see I’m making regular payments (whatever I can afford) on a weekly basis that this will keep them from taking it to court even though I’ve been told numerous times that they won’t and can’t go to court anyway.  I’m hoping that the light at the end of a very very long tunnel shows it’s face soon because this is making me ill. 
    • Another victim of an industry that shouldn't exist, just hope he hasn't binned everything as usually there is something where the fleeces shoot themselves in the foot, making any claim doomed if defended.
    • Probably about, 4 to 6 months before it goes to Debt Collection.   It it were me with such a debt, I would contact Paypal advising of the gambling addiction and advise that I would pay £10 per week or whatever was affordable.  Don't send them any budgeting information if they ask for it, as you would be correct to withold it on grounds of your data protection confidentiality.   Ignore Paypal refusal of payment amount or request for higher amount. Simply state affordable amount is £x per week and just keep paying them the amount, until they stop accepting it. Then record any rejection of payment. Ignore any Debt Collection letters and advise that you will only deal with Paypal.    
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minito

Complete Credit Solutions Pty chasing Oz debt in UK

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Hi Guys,

 

I'm new to cag, so I hope what I'm putting is ok.

 

I have read most threads if not all on here about similar cases

but I wanted to start my own to get some advice that is specific

as there is so many different things being said.

 

Are Complete Credit Solutions Pty registered with AU FOS or Asic or should they be to carry out collections?

 

Thanks for any answers in advance.

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why?

are you being chased in the UK by them..

if so ignore!

 

 

dx


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Hi dx100uk, thanks for such a quick response. Yes through SD in crawley, it is for something that I have no idea about and left there around 5 years ago.

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what is SD in crawley?

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Oh sorry it what everyone was calling them steven drake

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oh that lot

no you ignore them totally.

 

 

there is nothing they can do.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thanks very much DX, will update if I receive anything more, just had one letter.

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sorry but having now read the relevant threads

fleecers united fits the bill nicely

as is the case with 99%

of these overseas debts

 

 

you owe nowt here in the uk

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Sorry D, might be that I have been staring at the computer for about 4 hours now, reading but I am trying to understand your last post, apologies.

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try now might have been spelling or predictive text....


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Ah haha yes makes sense now. Most of the threads I read were never finished and a couple actually had court papers filed which they opposed but then never finished the thread so that made me want to ask some questions.

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SD do issue UK court claims for Aussie debt collectors, so keep an eye on your post. You don't want them getting a default UK court judgement because you ignored court papers issued by a court.

 

You don't have to respond to SD, but do read the letters.

 

What Aussie debt is being chased ? Do you own any UK property ?


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Hi Guys, sorry never saw this last post, as just left things.

 

No I do not own property in the UK.

 

I have no idea what it is to be honest, as the amount stated has about 8000 fees added to it.

 

It is statute barred now and they are calling people from facebook from australia who my family are connected with on facebook.

 

Is there an authority in Oz who can be contacted to stop them doing this?

 

Many thanks

 

I think it is Statute Barred now or in the next couple months, I think it is either a CC or Phone contract that they wouldn't cancel.

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Ignore them nowt they can do to you.

 

 

if you wish

report them to the ICO FCA etc

they should not be calling other people esp via facebook!


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thanks dx100uk,

 

They are calling from Australia I think, saying to family members they know me and my mother and that they need our contact details, arrghhh.

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I think it is safe to ignore any company that resorts to silly tactics like contacting friends of debtors on Facebook. No professional outfit is going to do this, as they can use tracing agents in the UK and then get Solicitors involved if they are interested,

 

Sounds like a bottom of the barrel debt chaser.

 

You can complain to Aussie regulatory authorities about this behaviour if you wanted to.


We could do with some help from you.

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

 

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Thanks uncleb,

 

They have SD acting for them here also but those tactics are coming from them in Oz on there Sydney number, I guess as SD would be slapped for that conduct here.

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Have SD actually written to you at your current address ? If so why is a debt collector in Sydney bothering to phone people you know on Facebook ?


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 OTHERS

 

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

 

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

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No the letters are going to an address I am not at and haven't been for years, just happen to know the people there now.

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No the letters are going to an address I am not at and haven't been for years, just happen to know the people there now.

 

Get the people at the other address to return the letters marked addressee not at the address, believed to have gone back to Australia. SD might then just decide they can't deal with it.


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 OTHERS

 

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

 

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

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