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    • again you appear not to be understanding things.....   a default does not go statute barred - as carefully explained in post 4....once it reaches its 6th birthday it along with the associated account will be removed from your file. that happening has no effect on the debt itself. it does not mean it is no owed.    your debt is NOT statute barred it has a CCJ . should the claimant fail to enforce the CCJ by it's 6th birthday, when, as with a default, it falls off your credit file, then they would need to return to court to do so. and again that happening has no effect upon the debt itself.   they both operate under the same ICO rule, quoted as in post 4..   All references to a defaulted debt must be removed from your credit files after 6 years  has passed from date of default, whether paid off, paying now or not.  . This is so that someone who continues paying something  - even after 6 years from default  - should not be at a disadvantage to someone who pays nothing after default  and ends up with a clean file after 6 years. 
    • Pleased to say that the default has gone from my credit report due to being SB. My Experian credit score is now 978 out of 999 and excellent. Experian doesn’t show my 2 x CCJ’s. Equifax’s shows just 1.    my question is this.... clearly the debt is still owed for the SB debt, the CCJ is still live until June next year.   Can I make an offer of 10% to settle the debt now that it’s SB? If so is there a letter template that I can send to them to make such an offer?   thanks in advance 
    • Your position is not untenable in any way. You have already mitigated partially any impending disaster by opening another non Paypal linked bank account so they cannot arbitrarily seize what they want.   First thing to remember you are in control here. Whatever you offer to pay them must be something you can reasonably afford even if its only a pound a week and you must pay it to Paypal. If like me they freeze your account then there is no way you can reasonably pay them. They are not going to give you another account to pay it into.   The reason I got into difficulties with them was because I had recurring large payments being made to a supplier of mine which continued after I was rushed into hospital for series of emergency operations. When I came out of hospital Paypal had simply frozen the account which I discovered when I tried to pay money into it to alleviate the huge deficit that had accrued. So I paid nothing of what I owed. I received about 4 or 5 threatening missives which I ignored as well as any phone calls. I tried for several months to make payments into the account and in the end I gave up. Despite all the threats nothing actually happened.   If you read all the answers to your posting as well as all the other Paypal posts I doubt you will find any evidence of Paypal doing very much to enforce outstanding balances and funnily enough they do not make it easy for those that wish to repay them as I discovered.   So stop getting yourself into a flap over something that is very unlikely to be nothing more than a storm in a tea cup.   Make or start you offer to re-pay them at a figure you can easily afford then forget all about them except to make your regular payment if you can still do so.   DO NOT under any circumstances get yourself deeper into debt over this.
    • she certainly hasn't any authority to 'fine' you. what was in the contract regarding vacating the property by when?  
    • Makes the cost of the battery even worse  
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Alex.c

Second hand car, head gasket broken after 2 weeks

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Hello. My name is Alex, I bought a Skoda Fabia 1.4 mpi on the 12 of september for 600£ from a local car dealer. I checked online and has MOT until aug 2017. He said he won't give me warranty as he only does for cars worth over 1000£ but if I have any problems to just go back to him. Aftet 2 weeks after a 15 min drive it started to over heat. I stopped and checked coolant level, and then took it to the nearest service. They told me it's the thermostat and head gasket and it would cost me over 400£ to fix it. I called the guy who sold me the car and he said he would take it to another shop. The problem is that I believe he should support the cost of the repairs or give me a refund for the car as only 2 weeks have passed since the purchase until it had broken down. What is my next legal step if he does not want to do either?

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Doesn't anybody have any advice? I would like to know at least if I have the right to claim anything from him. Beeing the head gasket that has broken some may argue that I caused the fault.

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You need to be quick as you need to reject the vehicle in writing to the dealer within 30 days from purchase

 

When you buy a second-hand car from a dealer, you have the right under the Consumer Rights Act to expect the car to:

  • be of satisfactory quality (taking into account its age and mileage)
  • meet any description given to you when you were buying it (whether in the advert or in discussions prior to sale)
  • be fit for purpose (for example, to get you from A to B safely)

The warranty excuse is crap as well from the dealer. One to three months warranty is a common period used by traders is not because that is what they have decided is fair but its because they know thats generally what a court would decide is fair

 

 

How did you pay for the car??

Edited by obiter dictum

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I paid 395 by card and 200 in cash. Does it make a difference?

I am thinking that he could say that I damaged the car and he would not want to repair it/refund me.

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Ok, but proof do I take to the bank?

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Sry, what proof do I take to the bank?*

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You can claim the entire amount with a section 75 not just the part paid using the card, so you claim back the £200 as well as the £395.

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dealers think they can fob people off saying no warranty but by law it doesn't matter as you can claim for repairs or cancel the car in 6months

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The invoice I have from the seller says "test driven, checked, teade sale as seen, all future repairs will be done by the buyer". Does this cancel my right to a repair/refund?

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new regulation brought in, go claim back from your bank as post 8


:mad2::-x:jaw::sad:

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Ok, so I called the bank for a charceback (because it's a debit card) and they said I need the receipt wich I have, a report from the service wich they gave me and proof that I returned the car. How do I get that?

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Guest roaringmouse

Trade sale huh? Well, unless YOU are a trade sale, it is not a trade sale is it!

 

As you paid by debit card and not credit card, the bank is not liable unlike a credit card company would be.

 

Letter before action stating you reject the car, then sue for the full refund via County Court.

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Do you know how much that would cost? Just to know if it's worth it

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Guest roaringmouse

Court fee is £35, which is added to the total they have to pay if you win (which you will).

 

If you made ANY repairs (even a light bulb) add those costs on. Ideally you want the claim to be in excess of £600* before court fees. You also charge interest at 8% per annum. The online form is easy but ask here if you get stuck, BUT write to the deal;er first and give them 14 days in which to pay. mark your letter 'letter before action' and send it by signed for service.

 

Keep the letter to the point and say that you are rejecting the vehicle and that you want a full refund within 14 days or you will without further notice issue county court proceedings.

 

Ask here BEFORE doing anything else.

 

*£600 is the amount above which you can transfer to the high court if you win and the dealer does not pay - google 'meet the sherifs' and you will see how effective they are at collecting the payment, especially from car dealers.

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Guest roaringmouse

My mistake, court fee is £60 for that amount, but otherwise as said above.

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Any progress in this Alex ??

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I sent him a faulty goods complaint letter stating that I want a refund. I am waiting for his response.

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Did that 'faulty goods complaint letter' say you were rejecting the car per regulations ?

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It says rejecting in accordance with consumer rights 2015.

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Yes, that's fine. As long as you have used the word rejecting, there can be no confusion.

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I used a template frim citizensadvisor so that word isn't actually in the letter. It says I want a refund

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