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    • Yes, I agree that you should simply wait until the 28. Give them a couple of extra days and then send a letter of claim on the 1st of February. Make sure that you are actually happy to issue the claim on 15 February and that you are bluffing. Register onto the moneyclaim website and start preparing your claim. Post your particulars here before you click them off. I suggest that you claim a very modest amount – £50 for the moment.  
    • Fig. 5: Account Status Codes for Current Accounts Explained 0 Your account is in credit; your account is not overdrawn; you are managing your account within the terms of your agreement. 1 Agreed repayments are one to two months behind; your overdraft balance has been greater than your overdraft limit for one to two months; cheques, direct debits and standing orders may have been bounced to keep the account in order. 2 Agreed repayments are two to three months behind; your overdraft balance has been greater than your overdraft limit for two to three months; cheques, direct debits and standing orders may have been bounced for a second month to keep the account in order. 3 Agreed repayments are three or more months behind; your overdraft balance has been greater than your overdraft limit for two to three months; cheques, direct debits and standing orders may have been bounced for a third month to keep the account in order. 4-6 Agreed repayments are more than three months behind but you have agreed new repayments with the lender to bring the account in order. 8 Your overdraft balance has been greater than your overdraft limit for more than three months and you have not agreed new repayments to bring the account in order. The lender has decided that you have broken the terms of your agreement and has told you that your account is now in‘default’; the lender has closed your account. U Your account has just been opened; your account is more than three months old, has a zero balance and has not been used in the last month.
    • Para 4, ICO technical  guidance on the filing  of defaults at CRAs   4 It is an accepted industry standard to record only serious ‘defaults’ with credit reference agencies. The term ‘default’ on credit reference files is used to refer to the situation when the relationship between the lender and borrower has broken down. A record showing a series of payments as six months in arrears when this does not reflect the real payment history should not be used as an equivalent of a default. Where a code is used to describe a default or variation in payment, it should always be accompanied by an explanation in plain and intelligible terms which informs the reader of its meaning. 
    • I read this morning that ‘a cabinet minister’ has complained that over 70s are being contacted before all over 80s have been vaccinated.  It’s beyond all sense to me that a vaccination programme should be slowed or halted for any reason except safety.  I accept there’s a pecking order and we’d like to adhere to some notion of fairness where possible but this is a pure numbers game surely.
    • Even if a county court case is issued against you and you loose if you pay within 28 days it dont go on your credit file and also its cheaper to go to court becasue the £60 is never allowed so it would be £200 if you loose £230 if you dont go to court.
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    • Hi @BankFodder
      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
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

bought unroadworthy car from Performance Trade Centre Northampton/Northampton Autosports- help


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hi everyone,

 

I’ve joined this site to be in contact with you to let you know I am having the same problem with the same company,

 

stupidly my partner went and brought a car for £3675,

everything looks fine at first then when we got home we realise some things didn’t add up for example there was no personal details on the invoice

no name of the seller,

no milage logged,

The engine management light came on two days later

 

we took it to a garage where we were told there is a hole in the exhaust which lets emissions into the cab,

the DPF filter is not fitted correctly

X brackets aren’t aligned

and the rear tyres are so worn the cord thread is showing through,

 

The car has been deemed unroadworthy and wouldn’t pass an MOT

 

we got in contact with citizens advice and trading standards and sent a letter asking for full refund within 14 days under the consumer credit act of 2015,

 

we received a phone call telling us we could have a full refund and to take the car back tomorrow

 

I’ve been calling his numbers as a courtesy call to let him know I will be arriving at 10:30 but no answer on any of these numbers.

Edited by dx100uk
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On an iPhone I am unable to record my calls, I will get a Dictaphone

 

 

I use Tape-a-call. Free trial.

Provided your network allows 'native' conference calling : sorted

(so, O2 contract and 3 PAYG certainly do, giffgaff and virgin don't).

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Guest MikeW001

Hi Lucy

Sorry to hear of your experience.

 

Good move on contacting trading standards.

 

I'm going to do the same.

Probably next week.

Simply to let them know the details of my case for their records.

 

Perhaps you'd be kind enough to post the outcome when you get it.

Simply for the benefit of others.

I'll be doing the same.

 

Amongst other things.

I'm no expert, but I would've thought that tires worn down to the cord are extremely dangerous.

 

Can't believe he sold a car in that state.

Or rather, I can.

 

But I'm still staggered by the total lack of scruples.

 

Good luck getting the outcome you want.

Mike

Edited by MikeW001
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Own thread created

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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Guest MikeW001

site admin

 

Instead of having multiple threads on this business, would it not be much easier for users to contribute to and only have to look up, one thread????

 

Especially as this trader is using multiple identities!!!!

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No the more rhreads the more tweets and the more publicity

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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If your your tyres were down to the cords and the police stop you, thats 3pts and a fine for each wheel..

Frederickson - CCA Sent 11/4/07 - Lost - Claiming back from post office

Connaught Collections - CCA Sent 11/4/07 - No Agreement - returned to client

Lowell - CCA sent 11/4/07 - No agreement - returned to client

Moorcroft - CCA Sent 11/4/07 - No Agreement - returned to client

Red Castle - CCA Sent 11/4/07 - Copy returned but no T&C's

Robinson Way - CCA Sent 16/5/07

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  • 3 weeks later...

Hi Lucy-yate,

 

Just to let you know that I had the same problem with them and I ended up having to go through court to get my money back. He closed the business and set up again under Perf. Trade Ctr. I now understand that he's closed that one and reopened Northampton Autosports. Dodgy as....

 

Check out the threads for both names here to get some background info. If I can help in any way, please contact me.

 

Regards and good luck

 

Holy

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  • 3 months later...

what new thread?

 

back in june this thread was created for LY from posts on the mass thread as the more individual threads the more exposure the issue gets.

nothing has changed since then.

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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I think he is looking for Performance Trade Centre Northampton back to being called Northampton Autosports

My time as a Police Officer and subsequently time working within the Motor Trade gives me certain insights into the problems that consumers may encounter.

I have no legal qualifications.

If you have found my post helpful, please enhance my reputation by clicking on the Heart. Thank you

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