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    • thank you. Under the Consumer Rights Act you are entitled to have a vehicle of satisfactory quality.   If a defect appears within the first 6 months of ownership which means that the car is not satisfactory then you are required to give the dealer a single opportunity to repair or else refund you.   So the question is what condition would a car of that make model, age and mileage and price be in.   I think the best way forward is to raise the issue with the dealer but also start to make your own researches as to whether the rust damage to this vehicle is beyond what would be expected of a vehicle of that character and in those circumstances.   When you have discovered. then come back here.   Additionally, you haven't told us the cost of the vehicle. that would be helpful to know because it will affect the quality of vehicle that you would reasonably expect.   Also I asked you the name of the dealer and you haven't told us. Are you trying to protect them?                
    • Thank you Slick132. I don't have in writing how long the actual works themselves would take but believe they said it was two weeks.   I spoke with CAB earlier today and they've said I can cancel this order as the company are already in breach of the terms, plus catching them out re the manufacturer's and the buildings regs she said to put in writing that I was cancelling and mention breach of consumer protection, unfair trading regulations and the fact that they are wilfully misleading me.   She said the credit card company will handle the refund as I hoped. I don't want them working for me in any way shape or form now.
    • Hi thanks for replying, The car was registered in 2009 ½, as I said a 59 plate. Mileage, when I got it it had circa 45K miles, it now has circa 72K miles. I have had it for 3 years almost to the month. I got it from a dealership in Loughborough, on the selling point that it was low mileage and was dealership serviced. Shortly after my return home to Southampton, I took it into my local dealership for a once over, part of which entailed one of their mechanics sitting with me while I drove around locally. I wanted them to take over looking after the car for me. Hope this helps?
    • just remember a DCA is NOT A BAILIFF and have ZERO   legal powers on any debt no matter what it's type.
    • Hi.   You've posted in the self-employment forum although as I understand it you can only be made redundant as an employee.   I've moved your thread to the Employment forum, people should be along to advise later.   HB
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Hello

 

I got a £100 with my jar in 2014. Looks like I never paid it back, and the balance currently sits at £258 on my credit file.

 

However since then they have only been marking my account as a 1 – as in payment is late, there is no default shown on my credit file.

 

What can I do about this?

 

oh just to add i sent them an irrespondible lending complaint, which they rejected

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Did you inform them of the reasons why you couldn't afford to pay them back?

 

Have you informed them that you are in financial difficulty?

 

Are they still adding interest?

 

Have they sent you a default notice?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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doubtful i probably just ignored it.

 

i doubt i ever informed them as this was back in 2014

 

no its been £258 owed to them since 2014.

 

Unsure its possible they could have posted one but i had so much debt at the time it all just merged into one. it's just not showing as a default on any credit files.

 

actually just checked my emails and i did inform them i was struggling financially

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What do you want to achieve?

 

How many PDL's did you have at the time you took this one out?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I’m not really sure to be honest. I’m just looking for advice.

 

Do I have any rights as they haven’t issued a default as they should have done. So it can never drop off my credit file.

 

What’s the best thing to do here to benefit my credit file – just pay it off?

 

I had multiple pay day loans rolling over etc some of them have agreed to write off etc some have rejected.

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have you fwded the rejection on to the FOS?

 

you can get the no default registered bit sorted later yes.

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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IRL complaint stuff

read our guide

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...

Hello,

 

If an account is listed in the MODA part of your credit file with an account end date.

 

Does that mean the account has been closed by a pay day lender.

 

I put in an irresponsible lending complaint with my jar which they rejected but not i have seen in this moda that it says the account is closed

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threads merged....Please keep to one thread please

What is MODA?

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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Callcredit Information Group is pleased to announce that with effect from today (25th June 2014) it’s new near real-time data sharing service ‘MODA’ will go live.

 

In January Callcredit announced that it would lead the way by being the first mainstream credit reference agency in the UK to offer a more real-time data sharing capability to lenders across its portfolio of clients. Since April Callcredit has been receiving daily updates of data from a number of lenders, primarily those involved in the alternative lending sector.

 

Those who have already signed up to the new initiative include Wonga, Uncle Buck, Pounds to Pocket, QuickQuid, PDL Finance (Mr Lender), Cash on Go (Peachy), MYJAR, My Mate, Northway (Swift Sterling), Sunny , Trusted Cash, Trusted Quid, and MEM (Payday Express). .

 

Peter Mansfield, Managing Director at Callcredit Limited commented, “The alternative lending market has come under increased scrutiny from its regulator recently and the need to lend responsibly has never been greater. MODA supports responsible lending by providing lenders with an up to date view of significant events on consumers’ credit files on which they can base more accurate and responsible lending decisions”.

 

“MODA provides us with the capability to update our data as quickly as the data providers send it to us. At present this frequency is daily, and we have the capability to increase the regularity of data updates”

 

MODA will report on key changes in a consumer’s credit file. These include new account openings and significant changes to existing accounts, such as overdue payments, rectified and settled accounts, rollovers and credit extensions. This comprehensive view will offer a stronger and more up to date basis for more accurate assessments of the credit risk and affordability associated with new lending applications and provides the fastest and most detailed credit report currently available.

 

Peter added, “Whilst many of the largest lenders in the Alternative Finance market have already signed up to our new data sharing initiative, we are seeing interest from a variety of lenders and expect widespread participation. This new initiative will help lenders to make the best possible risk assessments and lending decisions. Short Term Loans account for only a small percentage of over-indebtedness in the UK and it’s imperative that any solution provides benefits to a wide variety of lenders and consumers alike. We are currently talking with a wide range of lenders regarding their participation within MODA over the next few months”

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MODA is Callcredit's way of removing the 30 day update to report info. This is what we refer to in the guide dealing with IRL - This is why we keep saying to people that PDLs had all the info available to them to make responsible lending decisions. This means under MODA people who make multiple applications can be seen quicker.

This stops IRL but most of them ignored it in their underwriting anyway.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Ok so if there is an account close date in the MODA section of my report . Are we saying they have closed the account.

 

Why would they do that when they rejected my complaint and initial adjudicator has thrown it out at fcs

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Dont know what MODA means

 

A closed account doesnt mean its settled

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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Dont know what MODA means

 

A closed account doesnt mean its settled

 

what does a closed account mean - thats what im trying to find out?

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It's closed on their books,

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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when a debt is sold the outstanding balance is written off against/tax/insurance by the OC and the 'their' entry is closed.

does nt mean the debt is gone as the buyer will then appear against the debt and the balance will show as debt again

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...
just to update you i contacted MYjar and they confirmed i no longer have an outstanding balance with them and they have closed my account following on from my ombudsman complaint.

 

Despite the ombudsman siding with them.

 

odd

 

 

You have that in writing yes?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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keep it safe then

cause no doubt the ittle fleecers will sell it on

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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