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    • An update - Still receiving emails and letters - but have been getting text messages too. nothing aggressive just asking me to get in touch.    the text makes it look like it from the bank on first glance - it reads -   'the banks name' would like to dicuss our recent communication...etc... then lists IDR phone number and email FYI - reporting them as spam
    • Hello, After seeing all of the posts about BMW on here I really wish I hadn't even considered them! I bought a used car from them over the weekend, one specifically which had a reversing camera and cruise control in the advert. I was foolish at the time of purchase and didn't check to see these functions work on the test drive (totally my fault). Now that the car is home I've checked and checked and neither of these functions are available. I even checked on Parkers and it seems that no Skoda Kamiq '21 models come with any parking cameras at all. When buying the car, I was told all that was needed was 'Four signatures and £500' to secure it. I was never shown any of the documents, and instead the sales rep opened a box on his iPad and asked me to sign. He had been complaining about the length of time some customers take these days all throughout my time with him. (Again) foolishly I signed. In my email inbox I now have four attachments from BMW, one of which is my signature under a letter which basically says that the cars don't need to match the advertisements online, or have any of the features that a sales rep talks about. I realise that I've made mistakes in not doing my due diligence here, but thought I might as well ask the experts here if I have any rights left to claim that the car was miss-advertised, or if I unknowingly signed them away? Thanks in advance
    • where was this PCN:? please complete: pers i cant see the point in an sar yet await/if they ever send a letter of claim. as long as you've not moved since 2022 you are OK to totally ignore . dx  
    • ah this is a B2B PCP then as your are sending the SAR as a private individual and not as repping the co. you need to prove to them. unfortunately, i think that will also reset the 30 days. dx
    • Customers who opened HSBC's one-year fixed rate Isa say they have been unable to see the new Isa they opened or the money they transferred in.View the full article
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    • 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.  

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      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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Lowell claimform - 3 sep CAT debts ***Claim Discontinued***


disneygirl
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Unless its something strictly private and sensitive then there is no problem posting here on your topic ?

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Okay well send me a PM.

We could do with some help from you.

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so following your advice need to complete / post dq and then concentrate on statement

thanks again

 

quick question for a Saturday afternoon

on reading through various posts am I right in thinking that if a company has failed to comply with a CCA request then that debt is not enforceable

 

I am probably totally wrong but I am trying to work out witness statement and skeleton if needed

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yes i merged the posts.

 

 

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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well from what you know OC holds as interms of agreements in that SAR you sent, what lowells have returned in response to your CCA/CPR request looks nothing like the originals.

 

 

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

correct

 

just did a fine trawl though  credit report from July 2019

amazingly one of the accounts is shown as  status "satisfied" with zero balance

but the claimant is still trying to claim debt!!!!

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by the oc which is how it's marked when they sell the debt on.

means nothing.

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

ok I must be either very tired stressed or just plain stupid

 

completing N180 online from link on forum

 

how do I sign my name for the court copy??

OR

do I just type in box and that's it?

 

plus do I post or email?

Edited by disneygirl
wording
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sign the courts one

pers i would not do so nor give sig/phone/email on the one to sols

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

eh?

 

 

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

Hi

DQ (N180) posted this morning to court

1st class and to be signed for

Due by 10/05 so even with Royal Mail should be there on time

Question

Any need to rush in posting to sols?

This will also go signed for.

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Hi spending time reading old posts in particular 23/01/2017 "leigh04" post #58.

I find on checking MCOL that claimant has not paid to lift stay but it shows DQ "filed by claimant".

As my post above I have posted my DQ to court to ensure it arrives on time.

So where do I stand now or is it just waiting on court directions?

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Quote

I find on checking MCOL that claimant has not paid to lift stay but it shows DQ "filed by claimant".

 

How could you possibly know if they had or not paid for their N244 application ?

 

 

 

.

We could do with some help from you.

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Not really a change of sols Overdales and Lowells Solicitors are one and the same.

 

With regards to D1 its standard practice at the moment due to Covid whether you request a hearing or not....yes Notice of Allocation next N157 which will provide the courts Directions and dates.

 

Andy

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Quote

 

Contact your local county court and explain the situation and request permission for your OH to act as a lay person in the claim.

We could do with some help from you.

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Service of copy of defence

15.6  A copy of the defence must be served on every other party.

https://www.justice.gov.uk/courts/procedure-rules/civil/rules/part15#15.6

 

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

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