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    • As I recall the only thing you tried telling us was based on a quote that you selectively edited by Lord James of Blackheath. You misrepresented it as a statement of fact when it was actually a question which was laughed at by his peers in the House of Lords.  We told you it was garbage, you asked us to prove it and we did.   Remember?
    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
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Hi,

I don't know if I'm posting this in the right place, so apologies if not.

 

My husband returned a van (voluntary termination) to Advantage Finance Limited a couple of weeks ago (March 2018).

 

We knew the van had to be in a reasonalble condition, which we believe it was.

We also only had the MOT done in February which it passed (so no repairs required to result in an MOT fail).

 

However we've just received a letter from Advantage Finance stating that we owe them £294 for repairs to bring the vehicle to a satisfactory standard, with no indication of exactly what repairs??

 

When my husband returned the van to the garage they told him to take it to, they didn't even look at the van, they just told him to leave the keys.

No conditional report was done so my husband took photos inside and out, all around the van.

 

I'm just wondering how we should respond to this as it seems completey ridiculous to ask someone to pay £294 without explaing exactly what for, but besides the point, we don't believe any repairs were actually needed!

 

Any advice is greatly appreciated.

 

Many thanks

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Clearly you should ask for a detailed breakdown of what they are claiming for.

 

Tell them you also want photos.

 

Don't tell them that you have photos. Wait until they provide you with the information and then you can start to make comparisons.

 

Come back here when you have a response


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you did sent the section 99 VT letter yes?

and paid more than 50%?

 

they cant charge anything

but advantage always chance their arm!!


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you did sent the section 99 VT letter yes?

and paid more than 50%?

 

they cant charge anything

but advantage always chance their arm!!

 

In that case - get the details and photos anyway so that we can all have a gawk.


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:lol:

PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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As above, but note an MOT Pass is only valid for date of test. Any 'advisories' attached to Report?

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Hi all, I've finally heard back

they have sent a breakdown of costs along with blurry black and white photo copied photos which are slightly ridiculous.

They are saying all the work was for bodywork.

 

The van was an 11 plate so I didn't think there was anything wrong with the bodywork taking into account the age and the condition when we bought it.

 

The charges are for the following:

 

Panel scratch over 25mm £135

Rear bumper moulding scratched £80

Qtr panel scratch machine polish £30

 

Because we haven't paid it straight away

they've also sent a letter today stating it has been referred to their debt collector and sent an income and expenses form to fill in.

 

I'm not sure how to respond really.

 

Bridget

 

you did sent the section 99 VT letter yes?

and paid more than 50%?

 

they cant charge anything

but advantage always chance their arm!!

 

Hi, yes we had paid 50% and it was a voluntary termination.

 

I've put a list of the charges below.

 

Thanks

 

Bridget

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They cant charge anything

Stop getting spoofed

 

They have no proof those were not there at purchase and would be deemed fair wear and tear anyway


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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Single Premium PPI Q&A Read Here

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Currently fighting them myself, £800 repairs on a VT vehicle valued at £1100. I have photos they have a hand written report with no details. So far they have refused all my attempts to deal with it including a letter where I sent copies of some photos showing no damage.

 

I've sent them a complaint and then will contact Financial ombudsman if that goes nowhere.

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as post 8 do not pay them and

best way is put the V5c in their name

post it too them

and them ignore

theres nothing they can do.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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