Jump to content



  • Tweets

  • Posts

    • As per my old and new posts all correspondences have now ceased from all parties hence me raising issue again.   If defaulted in January 2018, surely I should have been notified?    
    • Hi   I received a NIP for traveling 39mph in a 30 zone (mobile speed camera) in December 2020. As it is my offence, the police sent a letter requesting to know who was driving with three possible outcomes: speed awareness course, 3 points of contest at court. I provided my details and sent the form off.    The police sent me a letter this week asking for confirmation of my insurance... I realised that in October 2020 I removed a private number plate off the vehicle and notified the DVLA and the V5 form but I didn't norify my insurers.    I called the insurance company today and updated my number plate and they said technically I was insured and the vehicle was insured and it depends on how linient the police will be.    I am just concerned as the recent letter states possible prosecution for driving with out insurance with a possible fine and 6 to 8 points.    If they add that to the original 3 I might be given that would be 11 for a first offence.    Has anyone got any experience on this or any advice as I am pretty worried!    Thanks 
    • Tend to agree Hammy, but I think if you have a number of DD's going through every month and the reference/descriptions does not clearly identify what it is for, then many people would not have queried it.   How many people still go through their Bank statements regularly to check every item. ?  I have mobile Banking now and keep an eye on the payments going through, but when I had printed statements sent, i only checked them every few months.   Normally for Insurance refunds in these situation, the Insurers should consider refunds of up to 6 years, if it can be evidenced that the Insurance was of no value.  e.g. the Insurance was for a specific risk which is no longer owned.   The DD was set up over the phone as a variable DD amount and the Insurers should have issued communications about increases to the email or postal address provided for this purpose.  When the DD was set up originally D&G would have had to send confirmation of the DD terms and rights of cancellation etc.  You can try to ask Natwest for a refund under DD scheme, but you may struggle with this.    Ask D&G to look at your refund request again as a complaint and advise that if not settled, you will ask the FOS to review.  D&G would be charged a fee by the FOS if you went that far, so they may try to offer you a refund amount, to avoid this.
    • The state-backed savings giant has been accused of abandoning older customers in its drive to axe prize warrants to save money and paper by only consulting customers with an email about the change. View the full article
    • Savers who put £10,000 in the average tax-free cash Isa ten years ago would now have £9,772, new research shows. This is because inflation has outstripped the interest earned on savings. View the full article
  • Our picks

    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • 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

car cash point LBL - Burlington/Marstons wants car Urgent help _ Live in NI


Recommended Posts

Hi there is anyone around this forum I have something urgent to discuss and it’s affecting me so badly I can hardly eat.

I would love advice if anyone is around. It’s quite long to type out.

Link to post
Share on other sites
  • Replies 103
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Popular Posts

Absolutely the right way to go  Yes it hurts to pay them more  But an irl claim will likely get this back and a lot more  You have reduced the interest rate on your loan, saved the cost

Hello and welcome to CAG.

 

Some people are around now and more will be along later. Please type out your problem and we'll advise you. :)

 

Best, HB

Illegitimi non carborundum

 

 

 

Link to post
Share on other sites

Thank you honeybee I very much appreciate this.

I don’t want to sound like a whinger but I feel completely on my last legs at present.

 

Here goes:

in April 2018 I took out a logbook loan with car cash point. The loan was for 2000. 


I fell into difficulties a few times but always got back on track within a week or two.

Due to covid I asked them ( they have on their website they were doing deferrals) for a deferral and I had a couple of them.

 

I paid an intermittent £100 here or there during this time.

I set up a further repayment plan of £80 per week beginning 12th December and made the first payment.

 

Unfortunately my aunt and uncle who were like second parents to me developed covid and one of them died on 20th December and the other on 22nd December so you can imagine it was a horrendous time. Tbh helping my mum get through day to day was my focus over those initial few weeks was my main aim. I didn’t keep an eye on my bank and my payments didn’t repeat.

 

fast forward to Monday evening I am driving home from work and receive a telephone call from a man telling me he was at my home to take my car and if I did not cooperate he would phone the police and report it stolen.

I said I would phone the police which I did and they confirmed they would not be doing anything as it was a civil matter.

 

This man continued to intimidate and verbally abuse me on the phone telling me I shouldn’t be taking things when I cannot pay for them and who did I think I was driving in a car that belonged to a finance company etc etc. 


the next morning I made a complaint which was passed to Burlington who surprise surprise won’t uphold it as the officer told a different version completely.

 

I had been trying for two days to negotiate with CCP to try and reset up a plan.

I sent 7 emails and finally got response tonight telling me I must pay £2800 by Monday which is arrears and Costs or the full balance of £3750!!!

 

They say if I do that they will cancel the instruction to recover.

But that at present the car is going to be lifted as soon as sighted.

 

I have not slept or eaten in 2 days. I’m a key worker with social services and cannot concentrate on my job.

I simply cannot find that money.

 

I am scared out of my wits that they will come to my parents house.

I live with them and they are elderly and I cannot tell them about this it would put them over the edge.

 

I simply don’t know what to do I am a nervous wreck and wouldn’t wish this on anyone. 
I took the loan for £2000 and have now paid in excess of £4700 back. 
so sorry for how long this was.

Link to post
Share on other sites

Hello again.

 

There are people on the team who understand problems like yours, they should be along later this evening. Please bear with us until they can get here.

 

HB

Illegitimi non carborundum

 

 

 

Link to post
Share on other sites
  • dx100uk changed the title to car cash point LBL - Burlington rep wants car Urgent help

quick advise is keep the car on private property outside of your use of it

get an sar off to CCP 1st thing tomorrow.

 

is this Burlington the car recovery lot or is it Burlington bailiffs i suspect the former as the loan has not been to court yet.

if so they are simply guys with flatbed trucks

they are NOT bailiffs

and have zero legal powers.

 

have you had a default notice please?

 

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

Thanks DX for responding to me. 
I got default notice quite some time ago when had missed a few payments but had got back on track after this. 


I am in Northern Ireland

not sure if this makes any difference.

 

It seems to be Burlington’s/ marstons if that helps any. 


Private property at my home.

Off the main road there is a driveway and the car would probably be visible from main road but I presume they would know it is private property.

 

My fear is that they would come in middle of night to collect it whilst we are asleep. 

Link to post
Share on other sites

bill of sale too please

 

follow this guide

Log Book Loan Guidance - Log Book Loans / Bills of Sale - Consumer Action Group

go ring up tomorrow and check the BOS HAS been registered.

 

if you wish follow our upload guide and scan up all the paperwork you have to one multipage PDF. asap.

 

here all night for you.

 

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

Thanks so much you might regret that lol.

 

Quick question

whilst I try to get the documents.

I see that the FCA have advised no repossessions until 31st January of vehicles.

Unless in exceptional circumstances.

Surely they have to adhere to that as they state they are part of FCA and adhere to their code of conduct 

 

convert-jpg-to-pdf.net_2021-01-14_00-01-10.pdf

 

Apologies if this is not correct I have tried following all steps and put all pics into pdf but can’t seem to find them to upload

 

Sorry I see that this doesn’t look right.

Took me ages sitting trying to get all in place :(

Link to post
Share on other sites
  • dx100uk changed the title to car cash point LBL - Burlington/Marstons wants car Urgent help _ Live in NI

drop the file to the box at the bottom of a msg box

or click choose files

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

got your upload

too much too redact tonight

where is the court stamped bill of sale.

 

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

I don’t have anything else from them. This is everything I got at the time. I’m thinking what May buy me time is that the FCA say no repossessions are to take place until 31st January at least. Am I correct in that?

Link to post
Share on other sites
5 hours ago, dx100uk said:

Log Book Loan Guidance - Log Book Loans / Bills of Sale - Consumer Action Group

go ring up tomorrow and check the BOS HAS been registered.

 

do as above, this looks like it's total BS without it.

 

when you took this out was your credit file shot with

defaults 

late payments

multiple debts or loans

and you couldn't get credit anywhere?

 

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

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

Thanks so much I definitely fully intend on pursuing this. My main panic at the minute is just them coming to my home in middle of night and removing the vehicle. I cannot sleep with worry 

Link to post
Share on other sites
On 28/01/2015 at 11:18, theoldrouge said:

If you have any problem with a Logbook Loan, your first step is ALWAYS to check that the Bill Of Sale has been registered with the High Court. You can do this here-

 

to check if registered

 

Contact Details

 

QB Enforcement Section

Room E15-17

Royal Courts of Justice

Strand

London

WC2A 2LL

DX 44450 Strand

 

Telephone: 020 7947 7772

Fax: 0870 324 0024

Email: QBEnforcement@hmcts.gsi.g ov.uk (No Spaces)

 

get this done today

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

get the above done today now^^^^

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 sent an email first thing this morning and have had no response.

I tried 4 times calling but get placed on hold for ages and the phone rings off. 
I will have to post but may take a while then. 
is there anything else I should be doing?

I sent a letter to them this morning outlining a complaint 

Link to post
Share on other sites

wind marstons up

text him:

where is the bill of sale please?

 

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

Lol I’m actually scared to as I’m scared they will come to my elderly parents home. 
I stay mostly with my bf now and I changed my address with company 2 years ago and that’s the updated address though on my tax book is my parents address and the address on bill of sale will be my parents 

I put a written complaint into them also. Spoke to FCA on phone and they confirmed no repossessions are allowed to take place until 31st January 

Link to post
Share on other sites
6 minutes ago, Melissa2574 said:

and the address on bill of sale will be my parents 

so you remember signing one?
 

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

eventually got thru you pdf 

found the BOS 

so i believe you now need to check its ben registered within 7 days to the NI High court.

im investigating where that is now. might not be the same as above

Agreement+BOS.pdf

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

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...