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    • I have done so now I will see what they say.
    • Hi all,    So long story short, I have just received a notice of debt recovery in the post from dcbl. I opened it because it was addressed to Mr. so and so (my surname but for both first and last name) for an unpaid parking charge that was given back in 2017. I looked up the number plate and the car was actually my mothers car, same initials but different addresses. I think they may have chanced sending it to my address as this is the first time I have received any letter of the sort.    Should I call them and tell them this isn't the right address or just ignore it.    Thanks.   
    • Thanks dx100uk - I'm not sure what the council will do next so will wait and see and update later if there are any developments. Thanks to all on the site for the advice. This has been hanging over my head for so long - wish I'd done it sooner.  
    • You can't really legislate for what may or not happen....get the credit and then see what transpires.   Andy
    • Don't worry about it. Hermes try to wriggle out of every piece of obligation that they have. As soon as you put your parcel into the care of Hermes, it is up to them to look after it and if they are careless or if there staff are criminal – then it is up to them to deal with the problem. They can't pass the buck onto their customers. Can you tell us more about the dates, what it was, value – et cetera. Have you got a formal rejection of your claim from Hermes on the basis that it was stolen? Please could you post up in PDF. If you have some other notification from Hermes that it was stolen from the van then please can you post that up in PDF format. We would love to see it. Spend some time reading around a good dozen or so of the Hermes threads on this sub- forum so that you understand how it all goes. You're pretty well guaranteed to get your money back – but Hermes as usual will spend more than the value of it trying to block you. I don't know what Hermes business model is but it makes no economic sense to me to spend so much time trying to deprive their customers of what they are entitled to along with the reputational risk. Once you have read around the Hermes stories and also once you have read about how to bring a small claim in the County Court, come back here and we will take you through it.
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies

Second hand car issues...help!


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I purchased a second hand car from a trader last December.

 

Within 3 weeks, the car started playing up..engine cutting out on me whilst driving, no acceleration etc.

 

The garage have had it back 3 times over the past year to fix it, and each time I've had it back, it's eventually failed again, always with the same symptoms.

It's failed again today.

 

The garage, understandably, are now reluctant to do anything more.

And I, understandably, no longer want this car.

I've broken down more times this year than ever in my life.

I've lost all confidence in it, i don't feel safe driving it and it's been problematic since i bought it (through finance after paying a deposit).

 

Do i have any legal rights anymore, after 12 months?

I've given then multiple opportunities to fix the issue that the car clearly had when I bought it.

But i have no idea what to do now.

 

As it stands, it's going back to them again on Saturday to have another look.

However they are now suggesting its a new fault and not likely to be the same issue.

So far they have been great and its not cost me a penny.

But i feel i am now stuck with a car that clearly has a major issue.

 

Any advice welcome.

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was this fault that later re-appeared reported to them within 30 days of purchase?

you need to remember this is not your car

it belongs to the finance company...have you involved them at all since day 1 and who are they?

 

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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Hi

 

Yes, the fault was reported to them within 30 days. I'd had the car only 3 weeks when it started failing. Contacted them immediately and it went back to them to investigate. 

No I've not contacted finance company...is that worth doing? They're called Close Brothers Finance.

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Please can you give us a lot more information about the car.

Make model, mileage, price paid, also a pointed chronology of the faults, when and what.

You say that you have it on finance. Is this a loan or hire purchase?

Also for some strange reason you haven't given us the name of the dealer. Which dealer is it? I'm glad to hear that they have been good so far – but clearly not good enough to sort the problem out once and for all.

Have you ever had an independent investigation of this recurring fault? Have you ever had an independent quotation for the repair of the fault?

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Sorry, but as much as we want to help you, this post is a solid block of text and very difficult to follow on a screen.

Please will you repost this properly spaced, punctuated et cetera and that will encourage people to understand your position and to give you the best advice they can.

 

I see that your first post was also a very solid block of text and had to be restructured by one of our site team.

I'm afraid that we just don't have time to do that and we would ask you to present your story in an intelligible way and in a way that you would like to see it if it were presented to you and you were providing free help to someone else in need

Thank you

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Apologies for the lack of paragraphs, but there was plenty of punctuation and it was perfectly intelligable.

 

When I help someone in need, I don't tend to put them down in a passive aggressive way or try to belittle them.  I accept that people are different and have different styles of writing, reading, and comprehension.

 

I also understand how the written word can be taken in all manner of ways, and not always in the way the author intended. But there you go. That's just me.

 

Thanks anyway; I don't think this is probably the forum for me, but I appreciate you taking the time to reply.

 

All the best.

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I'm sorry that you think it was a putdown. And I'm sorry that you are so upset.

If you feel that you still need some help at some point then please do come back.

 

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No, not upset at all. Just surprised at the response. But like I said, the written word can be taken anyway the reader chooses, unfortunately.

Edited by Lizwil243
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Well I don't want to get into pointscoring – but if you agree that you have taken certain writing the way that you choose – then I'd suggest that you are putting an unfortunate spin on things.

We can help you and we can get a solution for you but you will have to help us by presenting material in an intelligible way.

We do this completely free. If you went to a professional you would be paying about £250 per hour and I'm pretty certain that in order to save time and money you would present everything as carefully as possible.

One of the site team has already rearranged your opening post – and we made no comment on it. But now as you made a second post in a solid block we are simply asking you to present your story in an intelligible way.

Once again, we do this completely free of charge. Most people don't make any donations or even give us a thanks but we help people get positive outcomes in tens of thousands of cases.  However you are engaging on a forum here where the only way we can deal with each other is on a screen.

I'm afraid it all comes with the territory.

It's up to you if you want to continue.

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I haven’t been in here for such a long time, but I was able to guess who would respond and how!

 

no wonder this site has such a terrible reputation now, which is a shame because that then detracts from the great work the Ellen et al carry out.

 

DX & BF I’m disappointed, but in no way surprised that you carry on with your approach. 
 

I will check back in another year or so, and when I do I bet the only things that have changed are the amount of people coming to you for help.

 

you guys rock, you really do.

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6 hours ago, Lizwil243 said:

Hi

 

Yes, the fault was reported to them within 30 days. I'd had the car only 3 weeks when it started failing. Contacted them immediately and it went back to them to investigate. 

No I've not contacted finance company...is that worth doing? They're called Close Brothers Finance.

 

under CRA and your short term right to reject, they only had one chance to repair the car , this has obviously not been satisfactorily resolved. but you probably didn't express your right to reject anyway at the time.

 

It belongs to close brothers and you now need to escalate and involve them with your on going issues with the car.

which should have been done from day one.

 

what your perfect route is varies depending upon what you, the dealer and close want to do, you could possibly reject the car to the dealer, you could possibly raise a section 75 claim to close brothers as under the consumer credit act they are equally responsible.

 

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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