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    • Hi I am after some help and advice regarding issues faced with Advantage Finance   Ive dealt with it on my own up to now, but now feel im being fobbed off   I purchased a caravan last august on finance and had nothing but trouble with it from the off minor things - heating not working, hot water not working, toilet not flushing   Messaged the seller who just ignored my concerns basically so I had to pay another caravan engineer to look at the caravan to fix said issues   Upon the inspection the engineer found extreme damp in the frame and floor of caravan as well as the other issues mentioned above although this  could not be seen by the eye.   I immediately called the finance company and the seller to inform of findings and paid the £700 bill to fix the other issues. The engineer said the caravan was sold dangerously and not set up correctly. Hence why things never worked for us. 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Caravan was collected last week and I then sent an email to the finance company thanking them for the rejection and that I would look forward to receiving my payments made over the last year towards the caravan, repair costs, compensation for lost holidays etc   They have replied that I am not entitled to anything and the £5000 in payments they have had from me will go towards the usage of the van, Research I had done up until this point all stated I would receive money back due to van not being fit for purpose? So i am very shocked and annoyed I have paid all that money and I am not entitled to anything back. I have tried to be basic here in what has went on so forgive me if It does not make sense. Any help or advice greatly receievd on next steps    I have told the finance company I am not happy to have lost all that money here is there responses Thank you for sending over the information regarding the caravan being collected and taken back to Newark Auctions.  We will now start the process of removing you from the existing credit agreement and will notify the relevant credit agencies to remove our entry from your file. This therefore removes any responsibility you have regarding this agreement. In terms of any refunds owed to you we have reviewed the account and there are no payments that need to be refunded. There were no payments made whilst the complaint was open and the payments made prior to the complaint being raised will be retained for usage. Whilst you advised us that you have not used the caravan, this was your choice and the caravan was available for use and in your possession since the start of the hire purchase agreement, it is reasonable that the payments that would have been due during that period are retained.  As a suitable resolution is in place we will now close the complaint.   I replied with -  Please do not close the complaint down I am not happy to pay for something that was not fit for purpose I will still be liaising with the financial ombudsman to seek out my refund. I also hold legal cover with my house insurance so I will commence court proceedings in regards to this complaint could you please forward me any relevant paperwork needed to inform you of this or if indeed this email is sufficient. I do thank you for rejecting the caravan on our behalf but do not see how I am not entitled to my refund. I was not Aware it had damp until I paid for service. Your inspector stated the damp was there at point of sale meaning it was not fit for purpose so how can you say I happily used it   They have just then replied with this Thank you for your email, However we must advise that based on the information provided we will consider the matter closed as soon as the caravan is confirmed on site at Newark Auction. A final response will be posted to you that will contain all the details of where the complaint can be referred to if you disagree. Kind Regards        
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Cabot/Restons MBNA Card CCJ and i didnt know i had it. ***Resolved***


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My credit file states no court orders or adverse.

I cant match the reference number on the letter to the reference number on the ccj and i have no previous letters, cards or other ways of checking.

 

I’m fairly confident its the same debt but cant be 100% certain.

Ive always felt that if and when the time came I would have to settle as although they didn't have proof i was unaware of the case and they got the judgement.

 

I still don’t believe the debt was mine but not sure how i move forward.

They have the judgement so I assume i have to pay?

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All a solicitor is, is a guy with a library of books on law, he picks up the book relating to their clients case and reads up on it.   Then charges the earth for doing so, IMHO solicitors are as us

Thanks, the fees changed on 3rd August to £14. I paid over the phone and they confirmed it was the new fee for N245.

no you don't have to pay 

but you certainly need to tell them of you correct address

I've merged the threads as you appear to say its the same amount as the CCJ

though you say the CCJ is not showing?
are all your past addresses showing on your credit file?

 

as with that robbersway and ex Barclaycard debt thread advises you should really be writing to everyone that owns any of your old debts paid or used within the last 7 yrs informing them of your correct and present address.

else more backdoor CCJ's will be gained.

 

 

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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I genuinely don't know who may have a claim as it was with a dmp that was with my ex. I have no paperwork or current credit and my file does not show the ccj or all my old addresses. 
My biggest concern now is they surely will want payment. Should I confirm my address and query the debt then wait for next steps?

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so your old addresses are not showing on your credit file?

 

dx

 

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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I have just checked again, there is no adverse credit showing and my address is out of date even though i updated the electoral role when i moved a couple of years back. The only searches are from energy providers and the score is fair. I have no credit and no previous credit showing.

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so you need to contact whichever credit file provider you are using asking them to update your file with all these addresses (list them)

then to alert you when its done

you can possibly do this by messenger system on your account.

 

 

 

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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IMHO you need to write to them informing them of your present and correct address 

head the letter with their ref number.

 

2nd class will do 

get free POP at your local PO counter.

 

the other thing that shows in your threads

is there were 2 MBNA cards one was an old abbey card?

the other was....this one?

 

 

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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Ok, will do. Don’t think its related to Abbey. When I confirm the address should i ask for details about the debt or do nothing?

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just address 

ball is then in their court.

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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  • 3 months later...

I have.now sent two letters to Cabot and both have been ignored.

 

I have now received another letter which looks pretty standard stating we have now confirmed your address,

you have taken the first step and suggesting i set up-an account and start paying.

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Good, so now ignore them too until/unless you get a letter of claim?
 

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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  • 3 weeks later...

Still had no written response but have now received a couple of texts stating that a personal letter is waiting for me and i may find it useful to log on via the link.

 

I’m curious but also reluctant as I feel that any communication could be done by letter in response to mine.

 

Any suggestions?

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correct

 

ignore them till they write.

 

dx

 

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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Right, that didn’t take long.

I have now received a letter from them with a stack of paperwork claiming for 2 accounts.

The main one explains the account which is on ccj

last paid via stepchange in July 2013 and then subsequently The ccj obtained via Restons in 2016 due to my lack of defence.

The original credit agreement dated 2003 is included.


The other account they state has no documentation but they believe i owe it due to payments via stepchange.

The inference is they want to work with me on a suitable payment.

 

The remainder of the documentation shows payments via stepchange stopped in 2013 and various cc statements none with any signatures or showing who made the payment.

 

I’m 100% sure that no payment to stepchange came from my accounts they were all from my ex.

 

I’m  guessing the account with ccj I need to find a suitable payment solution and the other account i send a prove it letter?
 

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forget the pointless prove it letters - just stupid letter tennis.

 

so what were the debts?

 

dx

 

 

 

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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One is the mbna credit card which Restons obtained the ccj on in 2016. Presumably i have to do something about this to avoid possible bailiffs?
The other is stated as Barclaycard which they advise they have no documentation but believe i owe It as paid via stepchange in July 2013. Is this not statute barred?

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cant see a thread on this reston and who's CCJ ...??

if its anything like your old HFC loan, you got cash cowed blind as they charged your post judgemental interest when there was no order too.

 

as for the BC one...no paperwork - no pay ignore them.

 

dx

 

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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Sorry, this thread is a bit confusing

 

effectively i found out a couple of years ago that i had a ccj which was obtained by Restons solicitors on behalf of Cabot in Feb 2016. 

 

A few months ago Cabot contacted me to confirm my address

after a couple of letters back and forth as per advice

 

they have now sent a letter explaining i owe this money and I should contact them.

Additionally they added the details about the Barclaycard but no evidence.

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Who said blindly enter into stupid letter tennis??

 

Quite honestly until you get notification that any of your ,CCJ owners are returning to court to enforce a judgement

I'd stop paying everyone on any historic debts

As long as you've written telling them of you correct address

 

Dx

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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Hi, just to be clear in post 58 you advised writing to them and giving my correct address which i did and they ignored it.

I sent a second letter and that was also ignored until now.

 

 I haven’t had any other communication and any payment made was in 2013 from my ex’s account via Stepchange. 

I haven't offered or made any payments to anyone since then.


Just to be clear are you saying that unless I'm contacted about enforcing a judgement I ignore any further communication? They do state that normal collection processes will commence if they don't hear from me in 21 days.

 

Also i do appreciate your advice and I will be making a donation because the work you do is brilliant.

 

Apologies that my explanations aren’t always clear but it is a bit daunting.

I thought i was back on my feet after a disastrous divorce in 2013 but i got the ccj so have to face up to the fact it may be enforced. Thanks again.

 

Donation made, thanks very much. Hopefully others will donate as this site needs to continue.

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:yo:

 

i think you're doing the best move.

 

sorry i read there were payments must have been another thread

no you are safe .

 

just ignore their silly tyranny 

 

 

 

 

 

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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no they would have to return to a court and that court would inform you of such request.

 

dx

 

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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What concerns me is that although the ccj was obtained in Feb 2016 it is only because they didn't have my address that further action probably wasn't taken until now.

 

It's evident that I wouldn't have grounds for a set aside so presumably they have a further 2 years to attempt recovery?

 

On the original ccj there was a court fee of £410 and £100 solicitors fee added to the total.

The fact they have now sent me the info and hold me responsible (which in the eyes of the law i am)

why would they not simply apply back to court for enforcement and then add more costs for doing this,

 

or are you saying to wait it out until that time comes

and then negotiate ?

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  • Andyorch changed the title to Cabot/Restons MBNA Card CCJ and i didnt know i had it. ***Resolved***

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