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    • I'm going to say they haven't complied with the PAP although they did write saying they would be issuing a court claim in their letter they also state I had an agreement with OVO which they have a copy of the agreement and it terms and condition which I have definitely not seen. Also I've technically never had an agreement with OVO but with SSE I didn't even realise they had sold to them until this letter!
    • I have had a pre "warning" from TM Legal regarding 2 old debts stating they are going to send a claim form in email. I was sent a PAP form which i responded to on both but like a melt i sent their PAP pack back to them in my request for CCA etc using the CAG response form. I have not to my knowledge received a response for either. my question is, will sending their pack back cause me issues in the future? can I request they send this back to me?
    • Your consumer rights within six months If a product develops a fault within the first six months after purchase, it’s assumed it has been there since the time of purchase. This means it’s up to the retailer to prove it wasn’t there when you bought it. If a repair or replacement has failed, you have the right to reject the goods for a full refund or price reduction. Your consumer rights after six months If a fault develops after six months, it’s up to you to prove it was faulty at the time of purchase or delivery.   .
    • Thank Dx , Im guessing its a waiting game for now .
    • Hey Fkofile , Im one of those that have been affected by it ! i made a post about it . my credit score has already been affected by it .
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      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.  

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      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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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

Fidelite help


CarpMad72
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Good morning all.

 

Only just came across you're very informative site this morning after receiving a hand delivered brown envelope from Fidelite telling me I need to contact them urgently.

 

I know I have old debts (credit cards, loans etc) from at least 8 years ago which I've not acknowledged all these years. Having moved several times in the last 8 years I've managed to avoid those chasing me for money.

 

I'm a little concerned about this company as I'd never heard of them before.

 

What is my best course of action as although I know not to let them in, I'm worried they may take my car. The car was only bought a few days ago for £2k and is needed for my 50 mile round trip to work.

Do they have the right to take it at all? If so would having the car transfered to my partners name help?

 

Thank you to anyone that can help with my situation

 

Stephen

Edited by honeybee13
Paras
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Someone with specific debt experience will come along later so monitor the thread. However, you say that you manage to avoid certain people who are chasing you for money. You should understand, that this website does not condone deliberate avoidance of debt. We happy to help you on your legal rights but other than that, if you have been deliberately avoiding making repayments to somebody to him you legitimately owe money, then it's not the kind of thing that you should be bragging about here.

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Fiddle It... (See what i did there? :D ) Are just Scotscall rebranded...

They are just doorsteppers that you can see off easily. Dont worry about the car and everything...

Safely ignore the threats. :) Youll see that when others come along that you dont need to worry.

 

As one of the other team says... Does it say will anywhere in the letter?

 

Plus you weren't bragging, you just panicked and people do weird stuff when the panic :)

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Thread moved to the appropriate forum.

 

Regards

 

Andy

We could do with some help from you.

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Thank you fkofilee, that makes me feel a little easier. Hopefully a few others will also shed some light on this 'Fiddle it' as you call them LoL

Thank you also Andyorch for moving to the correct forum. I originally posted using my phone which made it a little less obvious where I should post my thread

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You can safely ignore fiddle it they have no legal power to do anything despite what they may tell you on your doorstep, their aim is to intimidate you into paying them money which you may or may not legally owe.

 

Should you receive a claimform from the court, then that you cannot ignore and should come back for help in how to deal with it.

 

Could you expand on what these alleged debts from 8 yrs ago please, safe for you to name the company, how much owed and most importantly, when you last paid anything towards any of them or acknowledged in writing that you owed them anything.

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

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Should Fiddle It doorstep you or call you refuse to say who you are and do not answer any 'security questions', ignore their demands on the doorstep and telephone and simply say 'communication in writing only'. When they ask for the address refuse to give it and put the phone down or shut the door. Remember Debt Collectors are not bailiffs, any intimidation from them is toothless and can and should be reported to the Police and FSA.

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You could let them int he house you could invite them for cuppa and share some stories, it wont make any difference. They are no different to a salesman etc...

 

You can turn them away with no consequences :) - they have no right to be hassling you what so ever :)

They are not a Bailiff and hare not appointed by the Courts. They are just a stranger who has no right to be hassling you.

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as with any DCA they are not bailiffs

never can be and have absolutely no legal powers whatsoever.

 

 

you are under no legal obligation to discuss anything with any dca on the phone nor at your door

if they do show

ask them to leave your property or you'll call the police 101 line.

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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