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    • Thanks for letting us know about this. I'm afraid that this website is mainly bad news about companies so it's very refreshing and very decent for someone to come along and to give praise where praise is due. How about a link to their website?
    • Having a little additional think about this, I think that your interests are best protected in the following way: You inform the seller that you are obtaining the quotes which I have referred to above. Having received the quotes, you then inform them that you are proposing to have the work carried out at XXX garage and that you will expect that the seller will reimburse you for the costs and associated expenses. You can tell them though that you understand that they may want to control the work being done to the car and so you are willing to allow them to do it but as the fault has manifested itself at this point and that it is clear that the problem is their responsibility, if they wish to carry the work out themselves then they will have to organise the collection vehicle and the delivery of it to you once the work is completed. Of course this will be very expensive for them and they will either fail to respond or they will refuse. Whatever their reaction, you would then go on to say that as they have failed to respond/declined the invitation to carry out the repairs themselves, that you are now going to your preferred garage – one of the two quotations which you have supplied – and you will have the vehicle repaired there. You are giving them an opportunity to comment. I think that if you use this approach, then you will be able to demonstrate very clearly that they had a choice and therefore they will be unable to disassociate themselves from the repairs which are eventually carried out at your chosen repairer. Even though this exchange of correspondence may mean that it will take a week or so longer to have your repairs carried out, I think you should do this in order to protect yourself in the best way possible
    • Please name the dealer   I would start off by sending them a letter of rejection seeing as you are within the 30 days. This doesn't mean that you have to reject it but it reserves your position. Secondly, on the basis of what you say, I don't think that you need necessary to find the cheapest place. You should be looking at the best quality that you can find. I think the best thing to do would be to get to competing quotations for the work you propose to have carried out – and not necessarily at the cheapest place, but a couple of proper reputable garages – authorised for that kind of vehicle. Inform the dealer as to what you are doing and providing with copies of the estimates for the work before you put it in hand. Give them five days to object or to make other comments. Make it clear to them that once the work is carried out that you will be looking to them to reimburse you. Of course you are opening a can of worms here because if you get some further problems – more serious – you may find that the dealer is starting to say that because you have carried out your own work so your own repairer on the car, they cannot now say that any defects were inherent in the purchase – and that they may have been introduced by 1/3 party repairer. I'm afraid that you have certainly fallen into a trap of buying a car a long distance away from where you live. We find that people often tend to do that because they think the car they have found is the only one in the world for them. They forget to factor in the difficulties that they will be if there are defects – particularly if the car stopped altogether – the cost of transportation to the dealer, the cost of having to travel up and down the country to collect the car – and of course these difficulties could emerge several times through the initial years of your ownership of the vehicle if you are relying on your statutory rights and expect the dealer to meet those obligations. Furthermore, if you have to bring a court action against them you are now dealing with multijurisdictional claims – suing out of Scotland against the defendant in England and that adds to the complications. It's too late for you to do anything about this – unless you actually decide to reject the vehicle – but at the very least, other people who come across this thread may get some benefit from these comments. I think it's important for you to get the best quality repair you can and to make sure that the dealer is aware of what you are doing so that if later on they try to deny responsibility for further defects, that you will be able to show that they were fully appraised of what you are doing and they will have less room to manoeuvre themselves out of their statutory obligations. I'm afraid that purchasing a car from one dealer and then having it repaired by another service provider, brings into the same kinds of difficulties that somebody who purchases a central heating boiler from one supplier and then has it installed by a different supplier find themselves in. When things go wrong, the seller blames the installer. The installer blames the seller – and you, the customer, are piggy in the middle. Not a good place to be. I notice that you are doing things on the telephone. Big Fail! Read our customer services guide. In your situation you should be extremely careful to make sure that you have got a record of everything and a full paper trail
    • What information do DVLA need for a provisional licence ?   Think the ID issue needs to be looked at a bit more. Surely you have birth certificate, school information, Doctors records. School and Doctors should provide a letter to help with ID.                
    • Amex as with any creditor must help you the FOS should go with you and make them remove all interest charged from the very 1st time of asking for help. the FCA regulations actually almost dictate it, they most certainly clearly state that if the are FCA registered they must help.   it's very telling they have no marked your credit file....almost as if they know they are wrong. it's also telling that an irresponsible lending complaint might well be in order hear too, they can just keep upping the credit limit without checking you can pay. and ofcourse covid plays its part here and they've already admitted as they allowed payments holidays until october in line with the rest of the industry and they should be continuing that. you problem is you keep using the phone, no paperwork no record of things discussed. i'd get an SAR off to them. and get the comms/account log and all the statements from day one and go nail them.
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      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
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Help with response to letters for BPO & BW Legal


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Hi all,

 

After more great advice on top of what I have already received from here.

 

First issue:

I sent a bog standard prove it letter to BPO Collections this month (using template from either here or National debt line).

Apparently they now own a debt from Motormile Finance/Lantern.

 

 

I think I took a payday loan out in 2011/12 with CFO,

who went bust,

debts purchased by Motormile,

who changed names to Lantern,

who have assigned this to BPO.

 

 

It becomes very confusing to keep track of name changes and who owns who.

 

The letter I received back states (amongst the usual twaddle):

 

"BPO collections and Latern do not acknowledge the unilateral terms and conditions and time frames that you have outlined in your correspondence. Nor do we agree to any such conditions or fee schedules received from you in the future"

" Your correspondence appears to be based on forum templates widely available on the internet.

Should you have any concerns about your account then please advise us of these and we would be happy to look into these.

Please be advised that failure to address the outstanding balance could affect your credit file."

"Within your correspondence you have required that we provide you with a variety of information and documents including the names of individuals within the organisation and then names of agencies working on Lantern behalf in terms of your account. There is no requirement for Lantern to provide the documents you ave requested. Nor are the reasons for you requesting this information clear."

"We are unable to supply you with a copy of the deed of assignment as this account was purchased as a part of a bulk of accounts and there fore assignment will hold personal data in relation to our other customers. However, you were sent an email of assignment on 17th May 2018 notifying you that BPO Collections would contact you regarding the outstanding balance on your account."

 

 

What should be my next step?

 

 

they are refusing the prove anything if I'm reading that right.

 

 

I've checked my credit file (3 different agencies) and if there was anything on there from CFO/Motormile/Lantern/BPO it isn't on there anymore.

I don't ever recall paying anything to any of these companies or speaking to them.

 

Second issue:

I sent a Statue Barred letter to BW Legal in regards to a PRAC/PayDayLoans debt.

Again it was from a template from either here or the National Debt Line.

 

 

They have replied back with the following:

"Our client has advised the loan was taken out on February 10th 2012 and the default date was April 10th 2012.

We trust this now concludes any outstanding queries you had raised with ourselves. It is important that you now contact us in order for us to discuss an affordable payment arrangement.

Failure to contact us within 14 days may lead to the following:

Further collections activity or

Further legal action."

 

 

Followed by the usual how to pay stuff.

 

Firstly, they have the dates wrong as my credit file states that it was started on 10/01/2012 and the default registered 1/7/2012.

Secondly they already sent a letter of claim for court action in November last year but never followed it up (I foolishly didn't reply at the time due to ignorance on my behalf).

 

I haven't paid a bean or acknowledged debt.

 

So this is statue barred right?

How should I respond or should I even bother?

I'd like to put something to them that draws the matter to a close,

but I thought the SB letter was meant to do that?

 

Thanking you in advance.

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looks like you sent stupid freeman of the land twaddle letters

 

simply send OUR sb letter [in the debt collection section of out library]

and then ignore them

 

dx

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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