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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Payplan payment review


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I am paying £100 per month to payplan who share the payment out to the companies I owe .

 

They have told me to take an I v a Because it is going to take me 20 years to pay back what I owe . I don’t want to take a i v a ...

 

they said unless I can afford to increase my payments and pay off the debts earlier , then an I v a. Is the only option .

 

I can’t increase the amount I am paying ..

they also said that if I died ,

my wife would have to pay the debt as I incurred the debt at this address

 

.. this is all very stressful .

.. I have paid back about 8 thousand over the past 7 years ..

I thought I would be able to make payments through the debt management plan until it was all paid back .

 

I don’t owe the debt to hsbc or Yorkshire bank any more ,

I owe it to collection agencies such as Cabot ,

who probably bought the debt for next to nothing .

 

Any advice please

Edited by dx100uk
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Cash cowed blind..

 

Who even says the debts are enforceable??

 

Bank account OD's mostly penalty charges lvbet!!

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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You are under no obligation to result to insolvency to resolve these debts.

Payplan need to be shot for advising this. A DMP is an acceptable form of repaying debts and is informal. IVA is extremely formal and shouldnt be taken unless a last resort...

 

Id raise a formal complaint with Payplan about it...

 

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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Thank you for replying..

payplan said that because it is going to take such a long time to repay the debt ,

an I v a would be only for 6 years and then I would be debt free .

 

. They suggested an I v a for the past few years and I have said that I don’t want to go down that route .

 

I am legally okay to carry on paying into this debt management plan as I am doing and they can’t force me into taking the I v a , which they keep on pushing

 

. Thank you

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pers id stop paying altogether

and get an sar running to both YB

 

sorry but if these 2 are like the others you have already settled

you've been had on all of them = cash cowed.

 

a dca is not a bailiff

and have

ZERO legal powers.

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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Share on other sites

[thank you for advice .

Payplan have sorted all my payments to Cabot financial (Europe) ltd for marlin financial , ex Yorkshire bank loan .

 

Link financial ltd. Ex alliances &Leicester credit card

 

Nco Europe ltd. Arrow. Ex hsbc loan

 

Wescot credit services . Ex Cabot ex nat west credit card and loan ..

 

All these have bought the original debt from the banks .

So I don’t owe the banks ,

I owe to these other agencies who have bought the debts for next to nothing .

 

Why are payplan ( who are supposed to be helping me ) not telling me that I should not be paying anything to these collection agencies .

 

Some of these debts were sold to the debt collection agencies in 2008 .

 

There must be thousands of people who are in debt management plans who are paying to these agencies , when they shouldn’t be .

 

I can’t believe that payplan are knowingly not telling people like me that we shouldn’t be paying anything to theses debt collection agencies .

 

And today he was telling me that an I v a was the only option.

 

I feel sick now

Edited by dx100uk
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if a debt is sold on

it typically means there is SOMETHING WRONG WITH IT>

 

think about

why would multi-million pound banks etc sell a debt on

they would CRUSH you in court if they took you there.

but they don't..they don't want bad publicity

and no doubt know for debts of that age No-one holds an enforceable agreement

so they sell it on, reclaim the debt against their insurance policies and also redeem them against their tax arrangements in the uk.

 

payplan or indeed ANY of the DMP providers do not ever question enforceability, they simply and blindly [on purpose] advise you to pay any tom dick or harry that owns your debt now.

because they get a CUT of all your payments made to each debt every month through them.

 

so CCA request time to the owners of your YB loan..that appears to be cabot.

 

as for link

I suspect part of this is your money..

http://www.mirror.co.uk/news/uk-news/boss-of-a-debt-chasing-firm-link-financial-790005

 

http://www.homesandproperty.co.uk/property-news/news/millionaire-debt-collector-digs-deep-south-kensington

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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Share on other sites

Cash cowed blind..

 

Who even says the debts are enforceable??

 

Bank account OD's mostly penalty charges lvbet!!

 

What about if they owe the money and they want to pay it back, just because they might night be enforceable should they not pay it back...is that the advice of this forum now,don't service your debt?

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no but check what the debt is made up of and weigh all the evidence up.

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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Share on other sites

" they also said that if I died , my wife would have to pay the debt as I incurred the debt at this address "

 

Are the debts in joint names ?

 

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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No . Just in my name but at same address.

I have paid thousands back .

But I didn’t know , and wasn’t told by payplan , that I was paying to debt collection agencies when legally I shouldn’t be .

 

These agencies have bought the debts for next to nothing .

 

One of them is for £8000 , Cabot own this and have recently sent me a letter saying that if I pay £2900 , they will wipe the rest of the debt off . But apparently I don’t owe them or any of the debt collection agencies anything ?

 

Regarding the post that says are consumer action group now telling people not to pay their debts ,

I think this is different because Cabot are saying that I owe them £8000 but actually I don’t owe them that , as they bought the debt for a few pence and are making money out of me .

I don’t know why this practice is even allowed . ..?

Why doesn’t the financial watchdogs deem this practice illegal ?

Edited by dx100uk
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unlawful not illegal - debt is no a criminal matter.

 

and they are offering a big discount too. another very good pointer.

 

how many others debt have you blindly paid off to them..following the cash cow route payplan lead yo down.

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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Share on other sites

" they also said that if I died , my wife would have to pay the debt as I incurred the debt at this address "

 

Are the debts in joint names ?

 

 

Andy

 

No . Just in my name but at same address.

 

Then your wife is not liable.....you would be if you leave an estate that can afford to settle the debts but if you dont the debts die with you.

 

With regards to debt assignment...debt assignment is Legal and is part of the T&Cs of the agreement you signed when you applied for the credit.It shouldn't be legal but welcome to the murky world of Finance and how the rich get richer.Yes they do pay a lot less than the face value and yes the original creditor writes it off and claims tax relief...but you have had the benefit of the credit and therefore it must be paid back to the legal owner...whether that be by payment plan or a full and final settlement.

 

CAG does not advocate debt avoidance...but that you are treated fairly and DCAs act appropriately and within the guidelines of the law and we advise an amicable way to settle the matter.

 

Link for you to read how debt assignment works :-

 

https://www.netlawman.co.uk/ia/novation-assignment

 

 

https://www.legislation.gov.uk/ukpga/Geo5/15-16/20/section/136

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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I am paying 8 debts through payplan , all the debts are paid through them to

Cabot ,

nco ,

link .

 

I have been paying £100 per month through payplan for 8 years .

I am confused now .

 

The previous thread says it is legal for the dca’s to Make me pay the debt back .

One says I am being cash cowed

payplan just pay any Tom, dick or harry .

 

Should I stop making payments to payplan to pay the dca ‘s

Or carry on paying these debt collection agencies ,

 

which one says are legally collecting the debts which they bought for a small price .

Which should I do .

Thank you for all of your help

Edited by dx100uk
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List your debts

 

Original creditor

Type of credit

Who you pay now

When taken out

Amount outstanding

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... 

Link to post
Share on other sites

Yorkshire bank credit card , Cabot, 2003 , to payplan Sep 2008. Owe 6400.

Yorkshire bank current acc, Cabot. 2000 to payplan Sep 08 “. . Owe 298.00

Alliance &leic. Credit card. . Link .... 5000.00

Hsbc credit card 2000. Moorcroft. 860.

Hsbc loan Nco Europe. .. 2002. 11000

Citi financial credit card. 2000. Nco Europe 870.00

‘Citi financial credit card. 2000. Nco Europe. 5000

Nat west current account. 1996 Westcot. 527 .00

Nat west credit card 1966. Wescot. 4000.00

All transferred to payplan Sep 2008. Although they have changed dca ‘s. A few times

 

I was taking out loans to pay loans and credit card payments.

In the end I was paying out more than I was earning , it was driving me mad

I sought advice and was put in touch with payplan in 2008

Edited by dx100uk
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Yorkshire bank credit card , Cabot, 2003 , to payplan Sep 2008. Owe 6400. - CCA request

 

Yorkshire bank current acc, Cabot. 2000 to payplan Sep 08 “. . Owe 298.00 - stop paying

 

Alliance &leic. Credit card. . Link .... 5000.00 - CCA request

 

Hsbc credit card 2000. Moorcroft. 860. - Moorcroft don't buy debts - who are their clients?

 

Hsbc loan Nco Europe. .. 2002. 11000 - NCO are part of the arrows group send arrows a CCA request

Citi financial credit card. 2000. Nco Europe 870.00- NCO are part of the arrows group send arrows a CCA request

 

‘Citi financial credit card. 2000. Nco Europe. 5000 - NCO are part of the arrows group send arrows a CCA request

 

Nat west current account. 1996 Westcot. 527 .00 - Wetcloths don't buy debts - who are their clients? but stop paying anyway

 

Nat west credit card 1966. Wescot. 4000.00 - Wetcloths don't buy debts - who are their clients?

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... 

Link to post
Share on other sites

so cca request to cabot then too

what about the others

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... 

Link to post
Share on other sites

Nat west 4000 credit card says wescot credit services as creditor name and further down it says ,under product name , wescot cabot accounts ...

 

Nat west £527. Current account . Wescot credit services , further down under product name it says wescot rbs retail accounts

 

this last one has had several owners ,

nat west /rbs sept 2008 ,

Wescot credit services apr 09 ,

nat west /rbs May 09,

hoist finance May 2010 ,

Nat West/rbs Nov 2011,

wescot credit services Aug 2016,

Nat west/ rbs July 17,

wescot credit services July 17 ...

 

so this , like all the others has been moved a lot .

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Stop paying the ones you cant cca

Whomever wants money will write . It cant harm you

 

As for the ones you can

Ie as above cabot natwest CC

 

If they dont reply within 12+2 working days stop them too

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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Sorry to be a pain ,

this is all new ro me .

 

What is a cca and what happens when I send it to them .

 

Should I send it to all of them .

 

I keep logging in when I can as I am working , helping my wife , who is in hospital and visiting my mother in a care home .

So it is all a bit hectic .

 

Thank you again for helping me

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