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    • Ok so helping a Male friend.    Friend and daughter, 16 he has full custody of her, was due to flight out for a holiday to Spain for Christmas. The Spanish government, along with a list of other countries, said they were banning UK flights over a new strain of Covid. They did not know until they got to airport as they were due to fly on the 22nd first flight of day. I have searched and cant find anywhere to say the the UK Government/foreign office closing air travel.    Wizz air rep was useless just told them to contact Wizz air as they cant fly. Friend contacted Wizz air who said well the flight is still going ahead so you fly or you cancel. Wizz air did not budge so they had to cancel. Was not a package deal but the hotel has cancelled and refunded without ay problems within a few hours of request.  Flight went ahead Wizz air still not budged re flights and insisting they were cancelled and a fee is to be paid. They have been arguing for months over the refund. He is still waiting and feels its unfair that he is waiting months for a refund when not his fault and that he has to pay a cancellation fee for the flight when it was the Spanish government that closed the boarders to all but citizens. He is not saying he does not understand why just he could have been treated better. Money went out quick enough but cant press a button to refund him. He has been to the CAB but found them utterly useless. What are his rights on the cancellation and what legal argument can he use. He has thrown at them lots of phone calls, yes l have told him to stay of the phone but he wont listen to me on that and as he is big enough to know better but then stuck between a rock and hard place.    Oh and just so you all know they did not go without a few presents and Christmas dinner. They came and Socially distanced collect a care package from me containing food the presents l had brought them already and a little extra.   
    • I've had to hide your last post.  You left both the PCN no. and the vehicle registration no. showing in both PCNs.  Please redact & upload again.
    • @BankFodderI've made some slight tweaks to the letter, would appreciate your thoughts....  also I'm not sure to keep the bits in bold - what do you think? /-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-   I am the executor of my father’s will and as such I have authority to bring legal proceedings against you on behalf of his estate.   On 2 September 2019 my father bought a Jaguar XF  3.0d V6 vehicle, registration number XXXX XXX, from you.   You know all the basic facts but for the record I'm setting them out here for your information and for the benefit of the court.   ·        My father purchased the car from you in September 2019, however the car was not collected until October 2019. ·      In less than two weeks of having the car, it started to demonstrate some serious defects and as a result the car was returned to you to repair the electrical faults. ·      The car was returned to my father in late January 2020, with the repair still outstanding, despite the fact that you had the car ostensibly to carry out precisely this repair. ·     My father made various attempts to contact you and to discuss the matter with you. In March 2020, a full six months after the purchase of the vehicle, you collected the vehicle ostensibly once again to carry out the repair of the electrical fault. ·       The car was eventually returned to my father six months later in August 2020. It seemed the original electrical fault had been repaired, however upon return of the vehicle, a further fault then presented itself whilst under your possession, in the form of a loud ticking noise from the engine. ·        You commented that you had topped the engine with oil as it had been running low, and your only suggestion was to take the car on a long drive. ·       My father followed your instructions, and this did not resolve the problem. Still in August 2020, the car was returned to you for further inspection and repair. ·         Since August 2020 you have been in possession of the car and apparently the repairs are still outstanding. There have been extensive exchanges between yourself and my father by text message and phone calls and you have informed my father that the repairs were still outstanding and in fact the car is now in an undriveable state. ·         As you are aware, my father died in January 2021 and myself and other members of my family have attempted to contact you to return the vehicle. There has been extensive exchanges between you and I, by text messages and phone calls, regarding the attempted and outstanding repairs of the car. ·         We have asked you repeatedly to advise us of the location of the car together with photographs so that we can make our own assessment and possibly carry out our own inspection and you have not provided any of this information. ·         You have given us various excuses such as, the car is awaiting parts to be fitted, the car needs new parts (turbo charger, crankshaft), the parts are being sent for re-conditioning, to most recently the car needing a new engine, but again we have not been permitted to visit the vehicle to carry out any inspection or to assess the situation for ourselves. ·         I have previously asked for access to the vehicle, and you have refused this, so I have been unable to understand the condition of the vehicle as it is now. In addition, I have been prevented from understanding what work may have been carried out so far and have also been prevented from obtaining my own comparative estimates for the work which you believe needs doing. ·         Not only have you withheld access to the vehicle, you have apparently moved it to new premises and refuse to divulge its whereabouts ·         I have made strenuous attempts to contact you and hold a dialogue with you and you have failed to provide me with the information requested.   Since the beginning of April 2021, I started writing to you formally, sending you three letters and have received no reply. This situation cannot go on any longer. You sold a vehicle to my father which has been scarcely driven since it has been purchased and which has now been in your possession for 20 months (to date).   The car is not of satisfactory quality and my father has not had the use of the car for most of the period of ownership and has been deprived of substantially the whole benefit of the contract.   I take this to be a fundamental breach of contract and as such I consider the contract has been terminated by you and so I require you to refund me the purchase price of the vehicle.   If I do not receive payment of £10,995 from you within 14 days then I shall begin a County Court action and without any further notice.   Yours sincerely  
    • Can you upload <<Clickme a copy of the injunction/paper work in pdf form with Personal details blanked out, so people can advise you further, Thank you....    
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Backdoor Lowell CCJ - old Morses Club Doorstep loan


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You and me both DX, it's bewildering as the credit file has the old address on yet the form the court sent me the other day has my new address in from before I moved in.

I have asked them to send me the claim form and address etc so playing the waiting game now both with the court and the irresponsible lending claim 

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:rockon:

slowly slowly catchy monkey.

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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Thank you for your recent email.

 

The appropriate means of disputing liability for this matter was in response to the Claim form issued to you on January 2018. As no response was received a County Court Judgment (CCJ) in Default was entered against you on February 2018.

 

As this matter is subject to a CCJ you are obligated to comply with the terms set out by the Court, for £50.00 to be paid monthly.

 

Please note, it is your responsibility to updated all creditors of any change of address. The Claim form was served by the Court to the address held on record for you at the time,  (Old address) not the new one on the CCJ the court sent me.

 

As the Claim form was served at your last known address in line with the Court Rules we will not be seeking nor agreeing to have this set aside at this time.  If you intend on disputing this matter further you may wish to seek independent legal advice, as is available from a solicitor or Citizens Advice.

 

We ask that you keep us updated in regards to your complaint with the original creditor.

 

Please contact us with your intentions towards the outstanding balance. Failure to do so, and subsequently failing to comply with the terms of the Court Order may result in our client’s consideration of enforcement action which, dependent on the outstanding balance, could include one of the following:

 

  • Warrant of Control: A County Court Bailiff will visit you at home to discuss payment of the outstanding balance.
  • Attachment of Earnings: Your employer being ordered to deduct payment from your wages.
  • Charging Order: If you own your home, securing a Charge against it so that payment of the debt will be deducted directly from the proceeds.

 

If you are experiencing financial difficulties, you may wish to seek free and impartial advice from StepChange Debt Charity on 0800 138 1111 or visit www.stepchange.org.uk.

 

If you wish to speak with a member of our team, please telephone us between 8:00am and 8:00pm Monday to Friday or between 8:00am and 2:00pm Saturday on 0113 335 3334. If you are not already registered, you can now register an account at www.lowellsolicitors.co.uk to view your transaction history, use our budget calculator, make one off payments and set up a Direct Debit.

 

Yours sincerely

 

Lowell Solicitors                                                                      

Darwin House 7 Savannah Way Leeds Valley Park West Leeds LS10 1AB

 

I may add that this is a response to an email I sent the other day regards the CCJ information and the email I sent was 18months after my last email to them without reply.

 

Testing times I know so appreciate replies may well be slow but worth a bump 

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you can begin the set aside process if you like

but pers I think it would be better to let things run 

see what lowells do

and await the IRL complaint outcome.

 

that could also turn out to be detrimental to Lowell and the success of your setaside  

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 have had a reply from the court today. 

 

Good Afternoon

Thank you for your email

 

Please be advised that the particulars of claim were provided in the below email.

I have highlighted them for you.

 

The claim form is computer generated and cannot be reproduced but all the information included on it is the information my colleague has given you below.

 

The claim was issued on the  10-JAN-2018 and the date of service was 15-JAN-2018

 

The claim pack was sent to the addreess (my current address that I took tenancy of in November 2018)  this was provided by the claimant on issuing their claim.

 

If you need help with anything else, you can contact us on the number or address below my name or on this email address.

  

 Something is weird as my credit file has the CCJ down as my old address where I was living in February 2018.

 

secondly I have had the following response regards the IRL complaint 

 

Hi ********** we are dealing with your complaint, the reference number for your complaint is ****************. Please be assured we are investigating your concerns and will be in touch to discuss your complaint soon.

 

I queried the address with court and they've now came back with the following

 

Good Afternoon ****

I am sorry that is my mistake I gave you the address we currently have on the system.

 

The address the claim was issued to was ************ the actual address I was residing at in Feb 2018 and the address on the credit file 

 

so I'm guessing my hopes are now pinned on the IRL claim

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Something is weird as my credit file has the CCJ down as my old address where I was living in February 2018.

 

 

Not the first we had a thread last week same thing.....its almost as if MCOL dont retain the address of service as on the N1.....if anything is queried they magically have your current address and state that was where it was served...I see a pattern developing.

 

Andy 

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  • 3 weeks later...
  • 4 weeks later...

Finally had a reply.

 

Apologies o don't have a scanner.

I will add that my rep did not come to my door to collect the loan, I had to drive to her house or to wherever she was when I needed to meet her and her texts weren't exactly friendly in nature.

 

I guess I shall now need to SAR the company but then I only have 14 days to respond to their findings I believe

 

 

 

 

 

IRL Reply.pdf

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a total load of irrelevant twaddle!!

 

the truth is they didn't do any checks on you at all.

off to the FOS with that now..

god whom does that idiot at morses think he is talking too a brainless child?

 

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... 

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go back and read the irl sticky..

 

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... 

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Forgive my ignorance but I cannot see the IRL sticky other than the one you put in post 37 on here which takes me to a post regards the ombudsman in trouble with the banks?

 

 

Sorry I'm a bit naive with all this 

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post 17?

 

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... 

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On 13/03/2020 at 08:25, iempire said:

I have sent CCA away and I am aware paying a default doesn't remove it.

It was a Kate payment account I payed off, sorry for the ambiguity.

 

I will make a complaint but my main issue is getting this CCJ off my file ASAP

 

That was post 17. I feel I'm missing something here and being an idiot. I do apologize

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our number are diff sometimes ...but its the next post 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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FOA?

 

 

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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what is an FOA?

 

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... 

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nothing wrong with using a cheap penstick and putting all files on that ....much cheaper than printing and then heavy posting

 

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... 

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Yeah, I have downloaded everything now with that in mind. Submitting online shall be much more frugal and efficient.

 

Just a case if filling the FOS form in when I'm home from work.

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Thanks for submitting your complaint to the Financial Ombudsman Service. Please retain this email for your records.

We’re seeing a high number of people bringing complaints to us at the moment, and in light of the government’s advice about coronavirus, we’re having to work a bit differently.

 

This means it’s taking us longer than usual to let you know that your complaint has been received and allocated to a case handler.

We expect to be able to send a more detailed acknowledgement in the next 3 weeks.

 

We appreciate your patience and are doing everything we can to get an answer on your case as soon as possible.

Our phone lines are running with limited availability at the moment so please only call if your query is urgent, or it’s to let us know you’re facing financial hardship or ill health.

 

For more information about ways to contact us, look at our website: https://www.financial-ombudsman.org.uk/contact-us.

Thanks,

Financial Ombudsman Service

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std reply everyone gets having put in anything to them in the last 3mts.

yes it will be a long haul, and would have been anyway.

 

 

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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