Jump to content


  • Tweets

  • Posts

    • Hi Sorry for the delay in getting back to you The email excuse and I do say excuse to add to your account and if court decide LL can't recoup costs will be removed is a joke. So I would Ask them: Ask them to provide you with the exact terms within your Tenancy Agreement that allows them to add these Court Fees to your Account before it has been decided in Court by a Judge. Until the above is answered you require these Court Fees to be removed from your Account (Note: I will all be down to your Tenancy Agreement so have a good look through it to see what if any fees they can add to your account in these circumstances)
    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
    • stopping payments until a DN arrives does not equal automatic sale to a DCA...if you resume payments after the DN.  
    • Sleep apnoea: used to require the condition  to be “completely” controlled Sometime before June 2013 DVLA changed it to "adequately" controlled. I have to disagree with MitM regarding the effect of informing DVLA and S.88 A diagnosis of sleep apnoea doesn't mean a licence wont be granted, and, indeed, here it was. If the father sought medical advice (did he?) : this is precisely where S.88 applies https://assets.publishing.service.gov.uk/media/64edcf3a13ae1500116e2f5d/inf1886-can-i-drive-while-my-application-is-with-dvla.pdf p.4 for “new medical condition” It is shakier ground if the opinion of a healthcare professional wasn’t sought. in that case it is on the driver to state they believed they met the medical standard to drive. However, the fact the licence was then later granted can be used to be persuasive that the driver’s belief they met the standard was correct. What was the other condition? And, just to confirm, at no point did DVLA say the licence was revoked / application refused? I’d be asking DVLA Drivers’ Medical Group why they believe S.88 doesn’t apply. S.88 only applies for the UK, incidentally. If your licence has expired and you meet the conditions for S.88 you can drive in the U.K., but not outside the U.K. 
    • So you think not pay until DN then pay something to the oc to delay selling to dcas?    then go from there? 
  • 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

Welcome secured loans/charge - sold to Alpha/Prime -repo received - ***Claim Dismissed***


cruzhughes

Recommended Posts

  • Replies 1.7k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

no needs work.

 

 

bit busy tonight

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

I asked the Fos if I will be able to link up with this welcome reference no if I have a need to come back to them after final response from new debt owners as it's all regarding the original company?

 

Reply as follows

We keep complaints separate but do have a system which allows us to check any previous complaint brought to our service.

 

Just be aware that the purchasers will only be able to respond to anything that’s happened since they got the debt. The purchasers wouldn’t be responsible for lending you the money. That would be Welcome and unfortunately we can’t do anything in relation to that.

Link to post
Share on other sites

but the charge is wholely made of mis sold reclaimable products

and should not even be there

I think this is very unfair

cant I just plead with the new owners in luxy to remove it

is there not anything I can do?

seems like I'm entitled to it but as welcome are broke the authorities are letting them get away with it..

 

 

very unfair, to me 'you' the regulators and your chumps have caused this?

 

 

any ideas please??

 

 

send him that.

 

 

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

This is a bit harsh!!

The Financial Ombudsman Service isn’t a regulator. We are an independent body who help resolve disputes between businesses and consumers. We’re not here to ‘champion’ either side.

 

The regulators are the Financial Conduct Authority.

 

You can take any action you like in relation to trying to get this resolved. I’ve not said that nobody can help you I’ve just said that we’re not in a position to because of what has happened in court. It may be that the only way to resolve this is going down a legal route but you are free to get advice elsewhere or speak with the businesses involved if you wish to do so.

 

I understand it is frustrating because we can’t really give you an answer. There are many other in a similar position to you where we’ve unfortunately not been able to help. However, we do have rules we need to follow when we consider complaints and sometimes it does mean that we’re not in a position to provide responses.

 

I’m sorry I can’t be of more help but there really is nothing our service can do to change this.

Link to post
Share on other sites

no good that's what I wanted to here

 

its a shame this should have been running with the FCA long ago and I thought you have.

 

it cant hurt your cause to go ring the FCA.

 

just stick to whats in that complaint letter.

 

sorry to bother but I have an issue with an old charge by progressive finance that I think has been unlawfully sold to an overseas company that I appear not to be able to complain about

can you help??..

 

that's all made of mis-sold products that the FOS now have no powers to adjudicate over as welcome attained some kind of waiver sometime previous.

 

I'm really puzzled upon who I turn too.

 

they don't actually deal with individual complaints

but ARE the regulator.

 

its interesting to see the FOS know loads of people are in the same boat too.

 

urm..

 

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

lets see what the fca say

 

 

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

Hi dx

 

things are hotting up here.

 

I've had some post today from the person who now lives in the property I moved from in may 2016.

 

2 letters from prime credit dated Dec 14th and 23rd.

 

Do these both warrant a CCA request now?

 

You won't believe the charges they lumped on already!

Prime Credit Dec.pdf

Link to post
Share on other sites

Just contacted them online. Have added the original letter to welcome. Welcome, FSCS and FOS responses. Picture of dca letter too. Here goes and fingers crossed again

 

urm not a good idea that...

which is why I wrote wot I wrote eric.

 

I was going for a soft approach

 

you are likely to be fobbed off without anyone looking in to your case

too much info in one go. = BIN.

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

std rubbish

its not a mortgage its a secured loan

 

bottom line is they don't knowwhat they are talking about

 

welcome did field agent visits too

think you had them..

 

if they were so confident

they'd go directly to court.

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

So where does that leave me and what am I to do??

Do I ignore or cca?

 

They are going to 2 old addresses be nice to know if they have been to the adresss I lived inbetween those 2.

 

What I still find bizarre is since finding out Welcome stuff in 2015

they have had the 3 addresses I lived since the 2014 divorce directly from myself on each move due to all the correspondence disputing the debt.

 

. the newest move was May 2016 and they have definitely have that as on the IR complaint letter with the other ones listed underneath it.

 

Why or why is this company going everywhere other than where I actually live?

 

It asked for further documents!

 

That's why I added them in.

 

But what I wrote was exactly as you put it!

Sorry

Link to post
Share on other sites

a CCA request might be good for a laugh but I've never seen the lack of one of those resulting in a charge being removed .

 

what extra documents the FCA asked for?

 

sorry I've not been thru there web portal on the FCA site.

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

It just asked about the query so I put in what you wrote then it asked to specify what type and name the company so I put the 3 names in. Further on it asked did I have any further documents with regards to the query and to attach them.

 

What worries me is the new company chasing the debt have already lumped 2600 on it in charges since they obtained it. So I feel I need to be batting them off otherwise up it's going to go isn't it?

 

Or ask for this http://www.consumeractiongroup.co.uk/forum/showthread.php?387504-Letter-to-DCA-requesting-confirmation-of-Assignment-(update-21.04.2014)

 

I don't even think that can be used as welcome put in their final response it was sold to alpha?

Link to post
Share on other sites

well that's nothing welcome have not already done

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

Too true.

But evidently I can't claim back from welcome and loan is still 2£6k no mention of where the 8grand from fscs has gone or too whom. The balance hasn't come down from what I see on them letters.

 

But I'm unsure of the stunts these lot are going to pull next.

Link to post
Share on other sites

but a court would..

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

no but that's where they will end up with you I bet

if you don't give in

which you are not going too

then the fun begins.

 

 

and the whole truth will be outed.

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

I'm not giving in this has been hanging around for almost 2 years now. Are you sure I don't need to get in touch with this company though? Cos I don't want anything to go against me for not dealing with prime/alpha

 

It's me I want them writing to at the right address so I don't miss anything surely

Link to post
Share on other sites

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

Are you saying that they are writing to me at wrong address on purpose to issue a ccj against me?. Just a little thing too charge is fated 2006 however Welcome starred it was to do with the 2008 loan (last one) which was 2 years later than date at LR.

Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...