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    • Hello guys how are you. I have just got off the phone to the mediator. The garage who initially changed the turbo are saying that I haven't suffered a loss of £480. (Cost of labour to renew turbo) The only loss I have suffered is the £185.01 I had to pay the independent garage to repair the turbo. They said a gasket can go at any time. ( In this case almost immediately after I drove away after the repair) and that I didn't follow the complaints procedure.   Mediator says if it goes to court I have to prove a loss.   And the £185.01 is the only loss...   The initial garage said they would pay the 185.01 and my court fee, I'm not sure what to do, this is what I wanted in the first place but I've had to come here to get it.
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    • It looks as if you have been completely ripped off. I'm sorry about that but frankly I don't think there is much you can do – and believe me, it is not often that I say that on this forum. I think it's fairly clear that there has been a deception here and although it won't help massively, I would suggest that you report the crime to the police. They will try to say that is a civil matter and you will have to stick to your guns and say that no there's been a deception, that this man is selling cars in an unroadworthy condition and probably he is committing tax fraud offences as well. I'm afraid that there doesn't even evidence that you have the correct name. It seems entirely possible that such a person simply doesn't exist. I don't see any point in beginning a legal action because if you don't even have the correct name for this dealer, then a judgement recorded against his credit file will make absently no difference at all and you will simply incur the costs of bringing the claim. I doubt very much whether he would bother to respond to a claim or to put in a defence. If he did put in a defence then if you wanted to move on to the hearing stage you would have to pay another fee and this would simply put you even more out of pocket – probably to the tune of about £250 or so – and as it seems very unlikely that you could ever enforce the judgement, you would never get any of this money back. I'm sure you feel very bad and very upset. The only other thing you should do is start going around the review sites and putting up negative reviews about this person and his business – and business names. At least it will put other people on guard and you never know, you might stumble across other people who know more about him and actually know who he is. If you do decide to inform the police then you should tell the police that he is trading under a false name. In terms of your car, I'm afraid that the only way I can suggest to cut your losses is to have the work done. It means that you are £1000 down on the deal – but at least you will have a driving car. However, before doing that I would have the car thoroughly checked over to make sure that there aren't any other defects which are about to materialise which might eventually make the car is simply not economical to repair. You said that there was an MOT certificate in the glove box. Is it a recent MOT certificate? Are you able to speak with the previous owner at all?  Cagger @Daniel Hanson who has also bought a vehicle from the same person may be able to help you in this respect. It seems that he has been lucky enough not to have any problem so far with the car that he bought. I think at the very least, the lessons to be drawn from this are: Don't purchase a used car – or any car from a dealer who is far away from you make sure you check the car yourself make sure that the dealer is well established and do some research on forums and review sites for negative reviews and positive reviews. However, be suspicious of positive reviews. Don't pay cash/bank transfer. You lose all control of your money. Insist on paying by credit card or debit card and if the dealer won't accept it then walk away. Ignore warranties. They are meaningless and they are simply a red herring intended to distract you from your statutory rights. However, as you are discovering, even your statutory rights are meaningless if you are unable to identify the dealer and if you are able to identify any assets belonging to the dealer against which you could enforce judgement. Please do let us know how this develops and if you are able to track anybody down. As I say, I think you should certainly inform the police – but it will be a hard job to get them to take notice because they will simply try to say that it's a civil matter and there is no evidence of a crime. You will have to push hard.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
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      Many thanks, stay safe and have a good Christmas!
       
       
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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      • 31 replies

Arrows/restons ignorant response Asda credit card debt


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hi all,

sent a cca to restons recently regarding an alleged arrow debt,

they refuse to give any detail other than amount allegedly owed.

 

Received this pathetic response from restons -

Re: Arrow Global Limited v. Yourself

Original Creditor and Product Type: Santander - Asda Store Card

Dear Madam,

 

We write further to receiving your recent email, seeking documentation pursuant to S77-79 of the Consumer Credit Act 1974.

 

We are under no obligation to provide the requested documents to you as we are not the Creditor; we are a firm of solicitors.

 

We have not been informed of any properly constituted request having been made pursuant to the CCA 1974.

 

Even if a properly constituted request has been made,

the Credit Agreement is only unenforceable until such a time as the request is complied with. It does not mean that the debt is indefinitely irrecoverable.

 

Your email is written in a format that we are familiar with and that is circulated on consumer based websites.

 

You may be encouraged to use this template in order to avoid the repayment of a legitimate debt.

It is our belief that you do not fully understand the nature of the allegations raised within your email.

 

We trust this clarifies our position.

 

We now require your proposals towards the outstanding balance.

As such, please complete a financial statement on our website at restons by no later than 13 April 2017; failing which, we are instructed to issue legal proceedings against you.

Yours Sincerely

 

Miss N Didsbury

----

 

 

anyone give me the best way to respond to this claptrap,

needless to say they haven't responded within the statutory time limit to the cca request.

 

appreciate the help if poss, i'm helping a disabled friend who can't take their harrassment any more.

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Be careful with Restons. They are not the idiots many make them out to be. They are a debt collecting firm of solicitors with a good success rate and have the habit of securing unsecured debt through charging orders on property.

 

Whether their letter is correct or not someone with more knowledge than myself will need to comment - but I was under the impression you would need to contact whoever now owns the debt for further information - or you CCA Restons if they issue a summons for the debt.

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Success with judgement by default.

 

Restons and the DCA know they have to comply with the legal request,

but they will almost always lie and mislead you so you give up and they get the judgement.

 

They certainly are idiots and would be laughed at if more people stood up to them and knew their rights.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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"They certainly are idiots and would be laughed at if more pople stood up to them and knew their rights."

 

Unfortunately - and I know this from bitter experience - a lot county court judges take what they say as gospel. And as said previously they win an awful lot of the cases they take on and not all by default either. Do not underestimate them. They may have the odd idiot working for them - and what organisation does not - but generally an outfit that gets results for those that employ them.

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No. They take whateveidence they have, If you know your rights, you can counter them every single step of the way. They rely on total ignorance and scaring people into submission.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Restons are most def idiots

 

Now what is this debt all about

Is it on your credit file

Is it defaulted

When did you last pay it

 

No you don't reply

 

And what made you cca in the first place

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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Then you need to look very carefully through CAG success stories where Restons have been involved and then trawl through all the threads where Caggers have been screwed over.

 

 

You will find that Restons have triumphed more than you think over many who had excellent advice from people on here.

The justice system is stacked against you before you even start as many LIP's are viewed as time wasters trying to avoid their obligations by many of the judges you come up against.

 

If Restons were so bad they would be put of business in a flash.

Yet they have been around for years screwing LIP's left right and centre.

 

 

A few years ago I was one of them but I ran up against a very biased judge and a barrister from a London chambers in my moment with them. Others who were in a similar position to me at the time also got royally screwed by them as well.

 

So, as said before, be very careful taking on Restons.

They do, as the ad states, what it says on the tin.

 

 

I'm not an apologist for them - I hate them with a vengeance.

But I do not want any LIP thinking they are morons who do not know what they are doing.

They do know what they are doing and they do it well.

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thanks guys, this is a vulnerable case - a disabled persons carer, no other income other than disability benefits, no collateral, no chance of any future income. they can't remember when any last payments were but it's close to 6 years they think, they don't how much but it's from an asda store card originally. restons have been informed but don't care.cca was a legit attempt to find out from restons that missing information.

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go ring asda and ask last payment date.

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
Then you need to look very carefully through CAG success stories where Restons have been involved and then trawl through all the threads where Caggers have been screwed over.

 

You will find that Restons have triumphed more than you think over many who had excellent advice from people on here.

The justice system is stacked against you before you even start as many LIP's are viewed as time wasters trying to avoid their obligations by many of the judges you come up against.

 

If Restons were so bad they would be put of business in a flash.

Yet they have been around for years screwing LIP's left right and centre.

 

A few years ago I was one of them but I ran up against a very biased judge and a barrister from a London chambers in my moment with them. Others who were in a similar position to me at the time also got royally screwed by them as well.

 

So, as said before, be very careful taking on Restons.

They do, as the ad states, what it says on the tin.

 

I'm not an apologist for them - I hate them with a vengeance.

But I do not want any LIP thinking they are morons who do not know what they are doing.

They do know what they are doing and they do it well.

 

 

same with all the reston threads here

why have you suddenly decided to start frightening newbies even more than they already are?

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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Then you need to look very carefully through CAG success stories where Restons have been involved and then trawl through all the threads where Caggers have been screwed over.

 

 

You will find that Restons have triumphed more than you think over many who had excellent advice from people on here.

The justice system is stacked against you before you even start as many LIP's are viewed as time wasters trying to avoid their obligations by many of the judges you come up against.

 

If Restons were so bad they would be put of business in a flash.

Yet they have been around for years screwing LIP's left right and centre.

 

 

A few years ago I was one of them but I ran up against a very biased judge and a barrister from a London chambers in my moment with them. Others who were in a similar position to me at the time also got royally screwed by them as well.

 

So, as said before, be very careful taking on Restons.

They do, as the ad states, what it says on the tin.

 

 

I'm not an apologist for them - I hate them with a vengeance.

But I do not want any LIP thinking they are morons who do not know what they are doing.

They do know what they are doing and they do it well.

 

 

stop giving misinformation one case does not fit all. Restons are no different to any of the other DCA/solicitors for hire, just comment when giving proper advice not speculation.

:mad2::-x:jaw::sad:
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Restons shill?

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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no just had an unusual case in a way

it was the OC and restons.

and numerous years ago

things have somewhat changed.

 

 

and i'm not really 100% sure it was defended the correct way

or the way cag indicated

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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