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    • Sounds like you passed the "attitude test" then. Hopefully you should be OK.
    • Thanks for your detail response,   my car was registered in Cambridge and incident happened in london, he asked i did told him i comes london quote often , he laughed and said probably cos of good food.   He didn’t said anything you say maybe given in evidence etc After that he said you know you jumped redlight and u must have read in theory test you should slow down as approaching to signal, i did politely said yeh i know tht but this time i didn’t realised and after that he just handed over my license and we both left…he told me it’s dangerous to pass junction like this…
    • @dx100uk - hi, started new thread here.
    • Name of the Claimant ? Hoist finance UK holdings  Date of issue – 05 May 2021   Particulars of Claim  What is the claim for –  1.The Claim is for the sum of £2291 in respect of monies owing pursuant to an overdraft facility under bank account no.<redacted> 2. The debt was legally assigned by Lloyds Bank (EX LLOYDS TSB) to the Claimant and notice has been served. 3.The defendant has failed to repay overdrawn sums owing under the terms and conditions of the bank account.    4.The claimant claims The sum of £2291 Costs   What is the total value of the claim?    Account Claimed £2291 Court Fee – £105.00 Legal representation - £80   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes   Did you inform the claimant of your change of address? No (did inform Lloyds, not Hoist) Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Overdraft   When did you enter into the original agreement before or after April 2007 ? after    Do you recall how you entered into the agreement...On line /In branch/By post ? In branch   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser has issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? No   Did you receive a Default Notice from the original creditor? No   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Started receiving communications in 2019   Why did you cease payments? Last payment was in 2014 to Lloyds. I was unable to make payments as I had just finished my studies and wasn’t working. The account was then removed from my online banking and I had no access online or in branch. The next correspondence I received was from Robinsons Way/Hoist asking for payment 2019.   In addition, I responded to Robinsons Way/Hoist requesting the CCA on 19/02/2020. Hoist then sent correspondence on 23/02/2021 that Lloyds were unable to provide this documentation and that until Hoist received further information from Lloyds, they would temporarily cease action on the account whilst Hoist “waited for a resolution”. I have not received an update since then (except for this claim).   What was the date of your last payment? 2014   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter a debt management plan? No       Starting a new thread following on from this thread.   Background:   Student account overdraft with Lloyds Last payment made was in 2014 Robinsons Way/Hoist contacted in late 2019 Asked for CCA 19th February 2020 Received communication stating they were trying to obtain CCA 23rd February 2021  Robinsons Way/Hoist said they would cease action until they obtained information from Lloyds Heard nothing from Robinsons Way/Hoist until the CCJ claim Despite the lack of relevant information from Lloyds as per the above, Robinsons Way/Hoist marked the account as defaulted on credit file 11th March 2016  No idea how they came up with this date if they don't have necessary paperwork from Lloyds   Here are the Particulars of Claim for the OD:
    • Hi BankFodder, Thank you so much for taking the time to answer to my case. I have to say I always found great pleasure on reading eloquent mind like yours. Unfortunately my english is not by far as good as yours and I think few sentences on my previous paragraph might have been misunderstood. Apologies for that. I write in a rush, between one task and another, with two children grabbing my attention all the time, but you are right I should have taken more time to read through your forum. I did read though many of the cases reported (you see I don't even put the space in between the paragraph as you suggested to help people reading on small screen) and the only reasons I stated the 3 points in my second message is to tell you what is the position they have taken. I had read already about the insurance in your forum as well as the amount declared, but I was just reporting my case to you to have a full picture. It was naive indeed saying that the value of my items were £500, my bad. But I haven't changed the value 3 times like you mentioned. I firstly declared £500 when I paid for the service and then I declared £1200 when I filed for the small claim court (and recap all the evidence in my possess), so to them I actually just change the value once. Nevertheless my only worry was the fact that I had signed a contract with them where they stated (as reported in my previous message) they won't pay more than £300. But if you say that it's anyway their negligence of having lost my parcel (and of course I agree with you!), I am happy to refuse their offer and see where this is going. The parcel is lost and with it a lot of sentimental stuff, I guess I would feel better if I knew there was a bit of a fairer judgment. Although naive, I know that my actions were and are in good faith, I am not sure I can say the same about them. P.S. I also did claim interest when file for small claim court. One more thing, if this is going to court, do I need to get myself a lawyer?   Many thanks again for your help.   Kind regards, Anturia
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    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 33 replies
    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
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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
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Well, we have also been done by Yewtree Cars/James Harrison!


We bought a Land Rover Discovery from him off a dealer site on 28th December 2020. He advertised it as 1 loving owner (true, I tracked him down on Facebook, really nice guy!)

 

throughout the advert

WOW full dealership service history,

WOW new cambelt,

WOW new MOT,

WOW full valet including decontamination clean

WOW, WOW, WOW!!!

 

We paid £4500 for the car plus £280 for delivery from Solihull to Winchester.

He sent 3 texts reminding us to ‘look after the delivery guy cuz he’s a top man’!

Soon worked out that HE was the delivery guy!

 

They dropped the car off and scarpered. It was dark when it arrived, initial thoughts were it was disgusting inside. I have never seen such a filthy interior. He even left his sweet wrapper inside.

 

He drove the vehicle down to us (we thought that we were paying for a transporter). It was running on fumes, so we took it out to get fuel. Straight away noticed automatic gearbox slipping.

Not a good start.

 

Next day messaged dealer asking for the receipt, twice, he said that he was in Dubai (in his dreams!) for 2 weeks but would send it when he got back. Before he delivered the car, he said that if we weren’t happy he would personally come and collect it.

 

Sent him a message (I like to keep proof of conversations) to say that we certainly weren’t happy and wanted to return it. His reply was - SOLD AS SEEN, YOU GOT A CHEAP CAR!

 

Thinking we would have to cut our loses, we had a new gearbox put in, only to find that the crankshaft had also gone and then the bottom part of the engine had to be replaced. Also the suspension at the front was leaking oil (mentioned as an advisory on the previous mot, which he said had been done). He forged an entry in the service book saying that it had just had a cambelt change (false Land Rover stamp), confirmed by previous owner and Land Rover.

 

So, after 8 weeks of being at the garage and £7000 - YES £7000! later we certainly did get a cheap car from him.

Are we going to let this go? NO!

 

I have found out his real name and I am going to pursue him through the court until I get this money back.

He is the worst kind of confidence trickster, a liar and a thief.

 

We will have no hesitation in scouring Solihull for him, whatever it takes.

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@Saints60



We are very interested in the fact that you say that you have identified this person – and I'm not sure why you haven't shared that information with us all here as well.

As you are aware, one of the problems here is identifying the dealer and also where the dealer lives and what assets the dealer has because this would make it easier to get the police to take an interest and also to begin the necessary legal actions to obtain compensation.

I'm not too sure why you haven't volunteered all of this information because the rest of your story has been pretty detailed.



Thanks

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Hi everybody else who has suffered from this terrible trader!

I will post all of the details that I have found out about him - sorry, I got carried away by my rant. I need to look them up in my book, so will do it this evening.

I have created a new thread - thanks for the advice.

 

He is also trading under James Marshal cars on eBay - same details.

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Can I ask how your taking him to court with just his a trade name ? 

Yes I notice hes still trading on ebay. 

 

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I am investigating him still, but have this information so far:

Junaid Saja
Home address - 101 Vibart Road B26 2AB  or 

165 Kelynmead Road
B33 8LF - this last one was an address that he gave last night when I got a friend to pretend to want to view a car.

He’s certainly a slippery devil!

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Posted (edited)

Thank you first address / name confirmed for me ..

 

He reads everything we post on this site 

Edited by senbell1
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Does he now! I sent him messages last night via EBay, because as you know he won’t respond to texts or emails.

He denied selling me the vehicle, despite sending him proof.

 

I’ve just been in contact with BBC Watchdog, who are VERY interested in him. I suggest everyone else on here does the same - the more of us who contact them, the more evidence they can gather.

 

My aim is to see this vile person taken to the criminal court, and I won’t stop until it happens.

I have also passed his information on to HMRC who take money laundering and tax evasion very seriously.

I very much doubt that I will be able to recover the £7000 that I have lost, but I will make sure that he is stopped.

 

Also at this address - Mohammed Junaid Sajad and Aamir Sajad 

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I suspect the first name is the dealer in question. I suspect that the second name – is actually the owner of the property and may be a parent. We have to assume that the parent has nothing to do with it and is simply providing a home for the first named

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  • 2 weeks later...
2 hours ago, BankFodder said:

No there is no update and no further movement since all the revelations earlier on this month and last month. Especially the visit by his buddies pretending to be police.

I imagine that he's got his head down and lying low because he's worried about court proceedings being issued against his dad's address and his dad finding out.

Of course it's not helped by the fact that as far as we can tell, none of the victims who have come here have actually bothered to take any action.

I'm afraid nothing will happen simply by sitting around and being a victim

The problem for me is that it will cost another £450 to take him to court. Will I ever get any of my money (£7000 on top of the cost of the vehicle!) back? Seeing what he is like, I’m in a difficult situation.

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8 minutes ago, Saints60 said:

The problem for me is that it will cost another £450 to take him to court. Will I ever get any of my money (£7000 on top of the cost of the vehicle!) back? Seeing what he is like, I’m in a difficult situation.

 Tomorrow I was going to start my court claim against him ... so much money involved in all this 

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19 minutes ago, senbell1 said:

I'm worried he may bankrupt him self .. to get out of this ..  🤔🤔🤔

That’s the problem - £800 to go bankrupt against the thousands people will claim from him. The fact that he’s a rogue dealer doesn’t bode too well as I would imagine his stock is distributed between family.

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I think starting an action that is going to cost £450 is a bit of a high risk given the very slim chances of enforcing the judgement.

Somebody needs to bring an action for a minimal some of just over £600 which will allow the action to go ahead and the shares to be put into the address at Birmingham.

I'm afraid that as much as we want to get this guy, I think that if you try to sue for the whole value of your vehicle – then £450 may well be money down the drain.

I do agree that the chances of people getting their money back here are very slim. However, the way things are going I think it's very possible that he would be arrested and will eventually spend some time in prison.

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  • 1 month later...
On 01/03/2021 at 19:00, Saints60 said:

Well, we have also been done by Yewtree Cars/James Harrison!


We bought a Land Rover Discovery from him off a dealer site on 28th December 2020. He advertised it as 1 loving owner (true, I tracked him down on Facebook, really nice guy!)

 

throughout the advert

WOW full dealership service history,

WOW new cambelt,

WOW new MOT,

WOW full valet including decontamination clean

WOW, WOW, WOW!!!

 

We paid £4500 for the car plus £280 for delivery from Solihull to Winchester.

He sent 3 texts reminding us to ‘look after the delivery guy cuz he’s a top man’!

Soon worked out that HE was the delivery guy!

 

They dropped the car off and scarpered. It was dark when it arrived, initial thoughts were it was disgusting inside. I have never seen such a filthy interior. He even left his sweet wrapper inside.

 

He drove the vehicle down to us (we thought that we were paying for a transporter). It was running on fumes, so we took it out to get fuel. Straight away noticed automatic gearbox slipping.

Not a good start.

 

Next day messaged dealer asking for the receipt, twice, he said that he was in Dubai (in his dreams!) for 2 weeks but would send it when he got back. Before he delivered the car, he said that if we weren’t happy he would personally come and collect it.

 

Sent him a message (I like to keep proof of conversations) to say that we certainly weren’t happy and wanted to return it. His reply was - SOLD AS SEEN, YOU GOT A CHEAP CAR!

 

Thinking we would have to cut our loses, we had a new gearbox put in, only to find that the crankshaft had also gone and then the bottom part of the engine had to be replaced. Also the suspension at the front was leaking oil (mentioned as an advisory on the previous mot, which he said had been done). He forged an entry in the service book saying that it had just had a cambelt change (false Land Rover stamp), confirmed by previous owner and Land Rover.

 

So, after 8 weeks of being at the garage and £7000 - YES £7000! later we certainly did get a cheap car from him.

Are we going to let this go? NO!

 

I have found out his real name and I am going to pursue him through the high court enforcement officer until I get this money back.

He is the worst kind of confidence trickster, a liar and a thief.

 

We will have no hesitation in scouring Solihull for him, whatever it takes.

I think that if you try to sue for the whole value of your vehicle – then £450 may well be money down the drain. I got carried away by my rant. I need to look them up in my book, so will do it this evening.

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If anyone of these victims wants to sue this outfit then we will help you.


However, given that we don't really have a name for this fraudster or an address.  Given also that we have no idea of the existence of any assets for enforcement in the event that we could identify him and his address all mean that any attempt to bring a claim would be frustrated and only result more waste of money in terms of court fees.

 

 

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