Jump to content


  • Tweets

  • Posts

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      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.

      Please can you advise what I need to do today to get this done. 
       

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

Barclaycard selling off old Egg Credit Card to Robinson Way


Sev
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2005 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

you should be on the roll

not being on voters is a stupid idea

only hurts your credit rating more..

 

it might be worthy to send the cca request yes.

 

not only for the fact of forcing the production of an enforceable CCA

but to legally inform a creditor you've moved.

 

its not a good idea to run away from debt and hide

you leave yourself and your mrs if this applies to her too [going by the no voters]

to backdoor CCJ's that you don't know about so cant defend against

 

the days of running and hiding are long gone, and to be honest

a very old wives tail that should never have been suggested by any forum .

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... 

Link to post
Share on other sites

Oh I couldn't agree more.

It was actually Mrs S who opted out of the roll as she had issues a long time ago with a previous ex who was not the nicest of people.

- but that was a very long time ago.

 

Sorry, I should clarify, we're both on voters, but not on the public register.

 

And no, I don't do running and hiding.

 

The credit rating to be fair is the last of my troubles at the moment.

It's been shot for years, and will be until I clear all of my debts, which will not be for years!

Link to post
Share on other sites

defaulted dates are the clue.

sorry for the wrong idea on voters

no harm in not going public.

sorry

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... 

Link to post
Share on other sites

No problem.

 

So date wise it goes like this;

 

Payment arrangement with egg which was maintained right through to barclaycard taking on all egg card business (2012?). Iirc I started the payment arrangement with them around end of 2005 into 2006.

 

At that point a new card number was assigned along with notification that barclaycard were now in charge.

 

I rang barclaycard to discuss arrangement and to see about getting payment details for such.

 

Barclaycard collections said that someone would be in touch in due course as they 'had nothing to do with this at the time'

 

I continued to make payments to the old egg banking details I had until I heard something back.

 

Since by 2014 I had heard nothing I stopped the payments.

 

The next contact was this one with barclaycard informing me that they have sold everything to hoist- ironically for probably a pittance of their worth.

 

So I've never really defaulted on a payment arrangement as far as I was concerned.

 

Would I be right in thinking that barclaycard have written off the debt and anything that hoist make over and above what they have paid is all profit for them?

Link to post
Share on other sites

Have you CCA'd them?

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

Link to post
Share on other sites

  • 9 months later...

I hadn't realised how long it's been since this thread was updated!

It's been since the other side of last year that I've not heard anything after sending the CCA request.

 

Both Barclaycard and RW have remained silent.

Barclaycard however did comply with my SAR and sent me a massive file of nearly a ream of history with them.

 

If they (RW) have called and not left a message then they've probably been caught up in the auto ignore of all the telepest phone calls we all get on a daily basis.

 

So I suppose I'm asking where do I go from here?

I've not had any reply to the SAR or CCA from RW who wrote to say they had referred back to the original creditor (Barclayshark).

 

Were they to call / write etc do I entertain them?, and if so, how?

Link to post
Share on other sites

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... 

Link to post
Share on other sites

  • 4 months later...

So after many months of no contact other than the usual pestering phone calls and automated calls ( of which I had asked them to stop and only communicate in writing- obviously ignored), I received a letter with a Notice of Assignement.

 

Hoist Portfolio Holding Ltd (HPH) has sold my account to Hoist Finance UK Holdings 1 Limited (HFUKH1L)

 

They've basically sold my alleged debt to themselves haven't they!

Link to post
Share on other sites

yep means nothing

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...