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    • the motor is less than 6mts in your possession, you should not be paying a penny under Consumer rights act!!   dx
    • Bought the car for my partner in April 2021. Driving home i heard a tappet like sound and i assumed it was just that , tappets , so nothing to worry about. after 3 months my parthner tells me the noise got worse, as i do not use the car due to having a van, i agree it has got worse and something must be wrong. i visit a few garages and just ask them to listen. and they advise needs furthur inspection and not to drive it.   Called car dealer and returned with car as he wanted to inspect it at there garage. There mechanic said something about oil and to do a complete fluch of system and change oil and filder and add addidtive . i did all this and then noise persists. Dealer says it would be cheaper to get a new engine. but he will deal with it to get it done cheapo as possible. left the car for 2 weeks and nothing had been done, he struggling to find an engine under 2k.   Basically in the end he has asked me to sort the issue out my self and refunded me £850 towards it.  Now an engine fitted i have sourced.   because of all the mssing about i agreed to fixing it myself but is it fair that i pay most of the money to get it fixed ?   Engine £1720 Fitting £600 Total £2320
    • for the donation.   they should be copy and pasting the particulars of claim from the claimform for you and giving the address each was served too? id you ask that ? thats why you should record your call and get them to read it out from their se=creen. you can't move any ccj investigation fwd without those details   as for the statement i made.....   when a debt drops of your credit file as the defaulted date reaches it's 6th birthday, that does NOT mean the debt is dead nor still p'haps owed, esp if the debt owner has never been informed of your current and correct address for EACH debt  in writing, should you have moved since takeout .   even a statute barred debt can have a backdoor ccj raised to an old address, as it would be a roboclaim where no human checks anything...so that is why its SOOO important to ensure either the original credit before sale or the debt buyer/dca ha/has in writing your current and correct address from YOU.   never assume just 'because' a dca writes to your correct address they have it legally from you in writng if you've moved. for the sake of a 2nd class stamp its not worth the worry.   dx    
    • Thanks for your reply! I've found this info as well on cable.co.uk , so you think we should stick to our position and raise a complaint and disregard the early fees?    If Virgin Media is not available at your new address If you find that it is not available at your new property, then you will need to let Virgin Media know that you are leaving as soon as possible. If you are not at the end of your contract, you will unfortunately have to pay Early Disconnection Fees. The amount this will be is dependent on how many months you have left on your contract.   Best
    • Well all in all I'm a little more cheerful now   Got the holiday refunded (£230) Quoted package Travel regs at them (ferry also booked through them) and got £50 compensation and an offer of money off our next stay    New campsite is £190 so that leaves a little bit left over for a couple of nice meals out   Will miss not going to the island though but have booked into Prestatyn which while nice isn't quite what we wanted
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Amex


Mike J 1973
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let see the next move

 

 

I really cant understand this discount

there must be a reason in the sar you are not spotting

go read the comms log very carefully

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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  • 1 month later...
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I've been through the comms log in detail,

the last action was from a DCA closing the account as it was uneconomical to recover.

 

My last contact from Amex said it had gone to a different DCA but I've never had any contact from them,

 

I've also heard nothing more from Amex.

 

Do I just sit tight?

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so def no sign of an old default?

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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Share on other sites

It talks of a default for a couple of hundred quid but the account balance is over 8k.

I've never seen a default and the account doesn't show on my credit files.

 

I've just look through some more documents,

I have a letter from 3 years ago which is a notice of default saying if I don't pay X within 14 days the account will be terminated etc. That payment was never made.

 

 

From the comms log it says they stopped reporting to the credit references in 2015 but they don't know why!

 

 

The question on an internal email has been asked if the account has been defaulted but there is no reply to that question, just saying nothing is being reported to credit reference agencies.

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I would suspect that it was defaulted years ago.

and that's why it doesn't show.

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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So should I just sit tight? My concern is my other defaults drop off in a couple of years and if Amex stick one on now I'm back to square one! As I say I'm not be chased, nothing on credit files from them.

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id let it run

I expect they know more than you.

 

 

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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Share on other sites

  • 1 year later...

So quick update and question, every month I get a statement from AMEX which says the account is closed the full balance is due and its been referred to a collection agency, no interest or charges are being added, but nobody has been in touch from any DCA, so I’m just sitting tight. However quick question, I’m about to move house, so should I inform Amex of my change of address?

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Yes and not only on this debt

All listed creditors you might owe money too

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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Share on other sites

Line across the top

 

I do not acknowledge any debt to you or any of your clients.

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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