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    • In terms of whether or not this is a private sale, clearly it will be for a judge to decide. It seems to me that we have somebody here who bred a litter of puppies and has sold several of them or all of them at probably around £1200 each. I think that is very different from selling your own private second-hand car to get what you can for it in order, for instance, to buy another one. Anyway it's for the judge to decide. In terms of whether or not the seller is aware of the defects – if they are a private seller – all it really means is that they are not subject to sale of goods legislation so that a purchaser in a private sale does not have specific protections. After that you have to fall back onto the common law of contract and once again I think that the liabilities are reasonably strict and I still think that even in a private sale if you bought something with defects which was represented to you as being without defects then you would probably have a good case. In this case, the dog has been accompanied by a health certificate and I think that is as good as any kind of representation dog is without defects. I think we are coming to an altogether more interesting issue. Apparently the dental defect with this puppy is observable and could have been detected by any reasonably careful examination carried out by a reasonable professional. But apparently also there is the possibility that there may be a more complicated problem which could be addressed by work costing up to £2000. What I'd like to know is whether this more complicated problem is as a result of the failure to spot the initial problem. Even if the initial problem had been spotted, with this still be a possibility that this more complicated work would be necessary? I suppose what I'm getting to his that at what point does one decide that a defect is an unacceptable defect or simply a risk that comes with purchasing all animals and therefore could still be considered as "satisfactory" because it would meet the reasonable expectations of any reasonable pet owner. To put it bluntly: are we saying here that if you buy an animal is less than genetically perfect, that you are purchasing defective goods and you are entitled to a refund? Does this mean that all animal traders are obliged to ensure that all the animals they sell are genetically perfect? This is dangerous territory: eugenics.  
    • a dn can be issued even on one default payment.
    • I think I still remain to be convinced that a court would not find the seller's offer to take the puppy back and give the OP a full refund both reasonable and acceptable.   Ignoring that this is the sale of a puppy, isn't this more akin to the private sale of a second-hand car?   I don't really know what the phrase:  "I recently bought a puppy from a home breeder. They have never breed dogs before and aren't a licensed business" means.  Is this a business to consumer sale, or is it simply the opportunistic private sale of puppies from a domestic litter?  I think the OP needs to establish this because it's not clear to me - yet.   AIUI, if I as a private individual privately sold, say,  a car with umpteen non-apparent faults or defects with it, but I was honestly unaware of them and could not be expected to be aware of them, then I'm not liable for any breach of contract when those faults and defects manifest themselves to the buyer a week later.  Isn't that what worried private sellers of cars are told here when aggrieved purchasers threaten to sue them?  It's not immediately obvious to me why this is necessarily any different - unless this is clearly a business to consumer sale.   The OP also says:  "Our puppy was sold as having passed a full health check from Vets4Pets", and so far as I can see this isn't disputed.  Unless that health check revealed the dental problem the OP is now complaining about, but the OP never was shown it (seems unlikely that the seller would mention it but not make the results available), then I think the seller may well be entitled to rely on it.  What more could they do to ascertain the health of the puppy?   I think this is not necessarily a clear-cut claim, and from the way the OP describes the breeder I think the question whether this is a consumer sale or a private sale may not have a black or white answer.     1.  The OP mentions following advice to buy puppies bred from a "home pet" (or similar such wording).  Not clear if this was the case here, but if it was, doesn't this suggest a private rather than consumer or trade sale?   2.  The OP also suggests that the health of the puppy was misrepresented, but is this necessarily correct?  They say the puppy was advertised as having had a "full health check", but that's not the same as saying the puppy was actually healthy.  And if it was a private sale, is the seller required to declare health problems they are aware of if they aren't specifically asked?
    • Ok,    I thought it may of helped as their DN stated 2 installments in arrears when it was issued on 10/2/17, but it would infact only have been 1 installment overdue 17/01/17.   I will keep to what I already know and stop over thinking further issues. 😁    
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adam1992

Arrow Global Vanquis

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I have had a long term agreement (via CAB) with Vanquis whereby they froze my card and allowed me to pay off a sum each month to tackle the debt, without interest.

I've since this month have had a letter from them & Arrow Global stating a notice of assingment.

(Think the account began in 2014)

 

The account has been sold to Arrow and payments should be made to Arrow. 

 

I've check (MSE/Karma/ClearScore) and it's completely gone (the account) but understand that it may reappear.

I've had no default or default notice that I'm aware.

I'm a bit confused whether I continue my agreement (as they will pass the payment on as it's set up) or get in touch. 

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so vanquis have sold the debt to arrows.

 

probably from before 2014 

and defaulted? soon after?

hence its now gone as the default reached 6yrs?

 

send them a CCA request.

 

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Ah no DX apologies.

 

its never defaulted.

We had a an agreement in place whereby they didn’t default the account so every statement that came through had the interest frozen and I was just chipping away at it.

 

which is why this doesn’t make sense.

Surely it has to default before they sell it?

I’m totally ruined if this Company now applies a default .

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it would need to be defaulted and vanquis issue a default notice for court action.

 

why would a default ruin you?
 

 

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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open


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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CCA request is just waiting to be printed.

I’m a little confused who owns the debt I’ve just had a statement that runs the past October - March. (Letter is dated may)

 

ive been paying £10 a month still to Vanquis.

These payments are listed here as I’ve not been paying arrow.

But where have the April/may payments gone?

They aren’t there. 
 

It’s a very weird letter as bar an account number it looks more like a bank statement and didn’t refer to what it was related to (account wise).

It has card holder name, credit limit (£0)

ive never seen a debt chasing letter like this.

Well it’s not even a letter

 

States your account is currently managed by NCO resolve on behalf of Arrow.

Who do I send a request too?

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What does it say on your credit file?


We could do with some help from you.

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probably a statement from arrows i suspect..

 

are they chasing?

if not i'd sit on your hands.

and continue tour payments.

 

 

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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On 13/06/2020 at 17:16, London1971 said:

What does it say on your credit file?

 

So it doesn't show upon ClearScore, Doesn't Show Up on MSE, Doesn't Show Up On Credit Karma as this was what confused me initially when i started the thread, it's just gone. 

 

On 13/06/2020 at 17:45, dx100uk said:

probably a statement from arrows i suspect..

 

are they chasing?

if not i'd sit on your hands.

and continue tour payments.

 

 

 

Still send the CCA or just leave it as it is?

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Bet the debt was defaulted when they sold the debt.

 

sar mbna


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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 Not Vanquis? (Card's not MBNA)

 

I should of been notified about a default surely? I've certainly not had any letter notifying me of that, and it's been a good while

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:pound: teach me to working on an MBNA case at the same time..

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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🤣 

 

sorry DX to be a pain. But just sar? Or CCA too?

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sar vanquis cease payments for now

let arrows sweat a bit.

 

was your credit file shot when you took this out?

 

dx

 

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Honestly I don't remember, there would of been defaults around that time if not before, and student overdrafts owed and such. I'll SAR them

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DX in addition to the above - looking for the template do i sign the SAR request and is it free now or still £10?

 

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Hi,

 

SAR is now free under GDPR. Yup sign the SAR.

Its also possible they will come back to you asking for ID. That’s also perfectly normal and nothing to worry about.

 

The CCA is the one you don’t sign.


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 OTHERS

 

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

 

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

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Thanks I'm sending tomorrow 

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If you read all the posts in the sar link..you'd have no need to ask these questions....


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Sorry for that
 

ive sent it off just waiting  For reply now :)

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Hello.

 

I’ve had a reply to my SAR from Vanquis asking for proof of identity to clarify

- they enquired if can reconfirm the account number, dob and proof of address

(I have changed since it was at my parents house for a while).

 

They’ve also provided me with their GDPR email to reply too.

 

Is there anything preventing me sending something over email for the SAR or should I continue with paper?

I don’t have access to a printer is all and I’m not sure what documents I may have bar a bank statement to proof my address. 

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did you not read all the posts of the SAR link before you sent it?

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hi DX I did but assumed because the DCA had contacted me here and I was on the electoral roll the OC wouldn't have an issue. That was incorrect of me and I should of been more attentive.

 

Our tax bill gets dealt with by my partner,  I've never seen it sent to me. I will send a bank statement I guess if that will work and update when I receive 

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a bank statement alone sadly will not be enough,

what official gov't establishment doc like passport or driving licence, benefit etc might you have?


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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