Jump to content


  • Tweets

  • Posts

    • you didn't pay lidls the speculative invoice charge of £45.   the only connection to them is their head office signed their region up to have their local stores car parks managed by the scammers because they had been duped into thinking people that abuse their car parks cost the region xxx in lost shopping revenue because another shopper could have used it.   they never see any of the money these bandits gleam from people paying a speculative invoice off ever and annually get ripped off by paying the fleecers £10'000 each year to give them permission to manage their carparks. anyone that pays the money goes directly into the parking fleecers pockets.   however i understand you are new and green but part of a forum is also self help which relates to my comment about where did you ever get the idea to pay them from...certainly not here.   so lidls wont be doing and can't do anything further, they certain wont be interested in instructing their fleecers to refund you and can't and most certainly won't refund you themselves.   go do a chargeback   dx              
    • OK,  I have not claimed anyone told us to pay in this forum.   As grown up adults we made this decision. I am sharing our experience in case it benefits anyone.    Our approach to this is if Lidl didn't help at the end we would take our shopping elsewhere and the so called reduced charge of £45 paid would be the end of the story, even if is unfair.    As I mentioned Lidl cust. service already emailed us to confirm that they have contacted Athena to cancel the charge, I'll first follow up with Lidl. If not resolved will resort to chargeback.  
    • no one ever said PAY THEM, you never ever do that.   if you paid by debit card go get it back by a chargeback to your issuing bank.      
    • The head of the Confederation of British Industry urges a "spirit of compromise" as trade talks resume. View the full article
    • Hi All,   My partner received a response from Lidl after another 3 days in which they explain the reason for their car parking system etc. but to summarize they conclude to cancel the parking charge with the below paragraph;   "In light of your comments, on this occasion only, I have requested that the parking charge is cancelled. Athena will confirm the cancellation in writing in due course."   As the £45 was going up to £90 the day before the email above actually reached us,  we actually sent the payment of £45 to Athena to remove the risk of that, but with the above conclusion we will follow up to get a refund.    Meanwhile we did our first big shopping with the car from Aldi in the local area instead of Lidl for the first time in 2+ years. As Aldi shares the car park with Matalan store in our area their car park period is 3hrs free of charge, which removes the stress of timing your shopping.   I think the supermarkets are shooting themselves in the foot with these types of measures when they use 90mins or such short periods as a time limit.   I'll post an update how the refund chase goes and how long it takes.    Thanks.
  • Our picks

    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
      • 6 replies
    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
      • 8 replies
    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

2 debts - cabot aqua card + Hitchi finance under self DMP - Advice needed


Please note that this topic has not had any new posts for the last 663 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hey

 

I'm on a self made Dmp with 2 companies ,

Cabot financial ((sold to them by aqua)) and

Hitachi capital finance.

I received a default from aqua but no default from Hitachi.

Total debt around 8.5k

 

My Dmp with Hitachi capital finance shows on my credit file as late payment and has done even though my Dmp has been running for 16 months without payment issues.

 

Could Hitachi give me a default even though I'm on Dmp?

 

Also I looked at an IVA but I can't find d clear requirements for it.

I'm not a homeowner .

is it worth trying?

Edited by dx100uk
spacing
Link to post
Share on other sites

1st if your user name is your realname or can be realised from it send me a PM with 2 alternatives and we'll get it changed.

 

now the debts...

 

cabot are a DCA they are not bailiffs and have zero legal powers

 

when did you take the aqua card out?

and have you sent cabot a CCA request to check they have the necessary enforceable signed agreement to even demand money out of you?

 

Hitachi..to be honest it would be better to stop payments in a way so they did default you

that way the debt will vanish from your file in 6yrs regardless to payments or not being made.

 

the late payment marker is not really hurting you, but sadly will be there forever if they think you are 'late' which to me doesn't seem right.

but alternatively you don't want the dreaded AP markers either, that's worse than late payment.

 

I've moved you to the debt self help forum.

 

lots of like threads to read here.

 

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... 

 

 

Link to post
Share on other sites

Aqua was taken out in early 2015 some time.

Yes Cabot sent me paperwork saying they had bought my debt from Aqua. My account in the CRA was subsequently closed and Cabot appeared.

I should, CCA request them to be 100% however.

 

I agree about Hitachi but I wanted to try to avoid another default as one is bad enough!

 

And Cherry bakewell isn’t my real name, it’s my favourite cake lol

Link to post
Share on other sites

Yes CCA

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

 

I agree about Hitachi but I wanted to try to avoid another default as one is bad enough!

 

 

With all due respect, if you have a rubbish credit history anyway, another default is not going to make much difference. As dx has said though, you need to put a stop to their marking your file as a late payment and get them to default you properly that way the 6 year to clearance starts to tick away.

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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Hello cb!!!

 

Glad to see you

 

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... 

 

 

Link to post
Share on other sites

:thumb:

 

Hi dx x

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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

When was your 3rd missed/late/short repayment??

That should be the defaulted date ldeally

When did you take this out?

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

Well according to Noddle..I didn’t pay anything from October 2016 and my payment plan was starting from August 2017.

 

They didn’t default me at all and I didn’t receive any letters from this or anything.

It was me who contacted them to make a dmp with them but clearly I should have let them default Me.

 

My current Noddle has a status of late payment but then when I actually look...it’s full of AP AA BB DM markers all over the place..

 

 

 

Am I correct to think that the best thing to do now is to make hitachi default me ?

Edited by dx100uk
Spacing
Link to post
Share on other sites

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... 

 

 

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...