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    • The card number at the top right of the Advanced Application Form and Agreement does not reflect the same card number the number is 546780 and ends 5931 (however that card was taken out in 2005) the card number on the POC - there isn't one it is just the reference number that they use or they call the 'original account number'.   As for the statement (excel spreadsheet type) that has the same reference number but not credit card number.  However this is different to the spreadsheet paperwork they have sent previously to me. Which looks like it comes from Lloyds and shows the debt being written off by them. I've attached that here.   I wrote to Lowell asking for the deed of assignment and they haven't furnished us with it either. They did state that they don't have it as it is too old or something in the offer letter.      new doc 2021-02-25 08.15.42.pdf
    • Hello All   Update   As per post #83, I had mentioned that for some unusual  reason, there had been two deadlines from the court for responding, namely the 18th of January 2021 and 1st of Feb 2021.   With everyones great help I filed in the response by the18th of Jan 2021. I think I was bit concerned that the claimant, Mike Ashley may use the second deadline as a chance to add a supplementary statement in response to my defence.    Well, Mike Ashely has in fact does exactly this. He has responded and filed a supplementary witness statement and has responded to all the defence points. He has addressed most the issues I had raised in my defence.     His Supplementary WS is dated 30 January 2021 and his solicitors emailed it to me on the 17th of February 2021.   Not sure what to do, but he seems to have amended everything which i could have used as a loophole leaving me with the thought of , should we have waited till the 2nd deadline ie 1ist Feb2021 and submitted the defence rather than the 18th January 2021. this would have deprived him of the chance to response with a supplementary WS. Thats what really had a worried me and I raised it a few times on this platform.     Not sure now because he has kind of amended a few things, removed the incorrect exhibit ( where the signages had belonged to a different site, and called it a clerical error).   Will post his redacted supplementary WS later as at work now.   Thanks all
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    • Adding to all the other difficulties (address for service, proving an agreement, obtaining enforcement even if you succeeded) that have been raised: Has the obligation to repay yet arisen?   You say the agreement was repayment once the divorce settlement occurred, but then point out settlement has yet to occur!.
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Used car windows regultors were faulty and scrated them - garage says wear'n'tear..


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Hi

 

I purchased a used car from available car paying £6000 on my debit card(taken from a loan) & soon realized that there was an issue with both the windows making a creaking sound in motion which caused severe scratch marks on both sides.Reported the fault to after sales & was advised to book the car in

 

After inspection it was found that the car had a faulty window regulator which caused this and was told that this will be replaced & the glass marks will be polished /replaced if cannot be undone.After booking the car in for several times(after service missing the part /not getting the right parts )nearly took 2.5 months to get the window regulators fixed although they did try to polish the glass the marks are still present.

 

I spoke to the manager who then advised me that the marks are not because of faulty regulator but because of regular wear & tear which is not covered under warranty and that they never mentioned they will replace the glass.I do not have any proof of this verbal communication however i have raised this issue with ombudsman who sent a letter on my behalf but the site has said they do not deal with 3rd party in dispute resolution and after emailing the ombudsman about the same i haven't heard back from them.

 

I am really lost for words to express my disappointment in both the organisations and the fact that i am still paying for a faulty product

 

 

can someone please direct me in the right path.

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he means CRA 2015

did you 1st report the issues within 30days of purchased.

 

 

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... 

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Many thanks for your assistance

 

I did report this within 30 days,however i have no proof of this,but the retailer took the car and had advised what the issue was and fixed the regulator issue but didin't fix the issue of the scratch marks on windows .

 

They have 3 months warranty on the car and i reported this as soon as i found the fault when the car was sold there were no marks and when i explained this i was refuted saying this are normal wear & tear with the usage of a 6 year old car &not covered under warranty?

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fos is not a 3rd party

they are the industry regulator!!

 

 

id be telling the fos this

 

 

they'll have afield day on that response!!

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... 

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