Jump to content


  • Tweets

  • Posts

  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Mother been Paying DCA's through Stepchange £400pcm for +8yrs - still £9k to pay - Best way to make F&F offers?


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 794 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

great news on Cap1, well done.

it cant comeback as its already been removed as the DN was +6yrs old.

 

as for link 

no never ever speak on the phone to anyone regarding any debt...they will lie and harass people always.

 

why not send Link a copy of that cap1 letter and say to them they are the only debt owner to continue to demand continued payment and would they please think hard again regarding the status of her sever financial hardship.

 

dx

 

 

 

  • Thanks 1

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

Great idea. How about something like this with a print out of the letter. Should be black out the amount / reference number on the cap1 letter?:

 

Dear Sir or Madam

 

Account No/Reference No: XXXXXXXX

 

Further to my recent letter, I continue to experience extreme financial hardship. I enclose an example of how the other debt owners have responded. 

 

You are the only debt owner to continue to demand continued payment.

 

Please can you think hard again regarding the status of my debt given my severe financial hardship and illness?

 

My continued high debt level may have a serious effect on my physical and mental wellbeing. I would therefore be grateful if you would seriously consider this request for the debt to be written off.

 

I would appreciate any help you can offer me right now.

 

Yours faithfully,

Link to post
Share on other sites

Cant hurt but knowing link they are thinking that youve no other debt now so pay us....wirh all the spare you now have

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

Cant hurt either.

 

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

  • 2 weeks later...

Today is the day we would normally pay Link the £5. Should we send £5 as normal, to send £1 or to send nothing?

 

We have had mixed communications from Link.

 

Still no response to the debt in the name of my Mother

No further response to the debt in my Dad's name that they had the CCA for

We have received a response for a debt in my Dad's name that they don't have a CCA for, in effect saying the account is on hold for 30 days as they are awaiting documents from us.

 

What should we do?

Link to post
Share on other sites

nothing.

 

dx

 

  • Thanks 1

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

  • 2 weeks later...

Hi DX,

 

My Mum received the following text message from Link today regarding the account they have CCA for:

 

Hello, it's Link. We need to speak with you regarding your account. Please click https://ems.ese.pm/Link to access your account and make a payment, or call our 24/7 IVR payment line on 01332921590. Alternatively please call us on 02920 858711 speak to a member of our team quoting reference XXXXX

 

Should we ignore?

 

Also, got the following from IDEM, a DCA without a CCA. Should we also ignore?

 

Hello X, please call Idem Servicing on  0800 046 5911 reference XXXXX. This is important and not a sales/marketing message.

 

Is it worth shooting off a 'prove the debt' type letter to IDEM or should just ignore totally?

Edited by techno20
Link to post
Share on other sites

Block the number from texting and ignore in writing only. 

  • Thanks 1

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

you should be ignoring routinely blocking bouncing and reporting as spam ALL emails/texts/call from anyone.

 

yours on each case is NOT the next move

NEVER enter into pointless letter tennis with ANY DCA.

 

we are now over 100 posts in ....you should already know all this and it should be 2nd nature now.

 

 

  • Thanks 1

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

As Dx said. 

 

This is a a sales call as they want your money 

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

Thanks both.

 

You're right Dx, although I'm a little unclear when action will be required on debts link have produced the CCA for as we have stopped paying. I guess if they threaten court action?

 

The plan right now is to wait another couple of months without paying and see if they agree to write off the debt. If not, fire a low F&F settlement offer towards the end of the year.

Link to post
Share on other sites

yep just dont ever ignore a letter of claim if one ever comes for any 'debt'.

  • Thanks 1

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

  • 2 months later...

Hello,

 

Firstly, thanks again for all the help. We have not made a monthly payment to Link for the accounts they have produced a CCA for since July, we've received emails and texts to get in touch, but we've ignored correspondence and blocked numbers.

 

I have two questions:

 

1. My parents are looking to remortgage the house and have been asked by mortgage provides about their expenditure, debts etc… would you mention all the outstanding debts, only the ones that have produced CCAs or none since we are not repaying anything atm?

 

2. Should we now make Link a very low F&F settlement offer for the debts they have produced a CCA for after 4 month of not paying or wait a couple of months longer and continue paying nothing?

 

 

Link to post
Share on other sites

1.are the debts showing on their credit file?

 

2. i would hold all payments , even those the link have a poss enforceable cca for. see where they go, you can always resume those that need them if they get nasty. as for F&F's again id let sleeping dogs lie.

yours is not the next move on anything.

  • Thanks 1

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

if debts do not show on credit files then neither will a mortgage co be able to see them. radio silence time!

 

2. or ofcourse a court claimform pack from northants bulk, but under the pre action protocol a debt owner should not be trying a court claim without entering into the PAP and issuing a letter of claim 1st....but this is link we are talking about here, the lengths they go to try and scam debtors has been renound for almost +40yrs.

  • Thanks 1

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

  • 2 months later...

Hi dx,

 

Hope you're well. Happy New Year.

 

We have received the attached from Idem Services (No CCA), who appear to have given up and are selling to Wescot Credit Services. 

 

Do we file away and then request the CCA from Wescot again once they get in touch?

 

Thanks again for all your help on this. You've really helped my parents get their finances back under control.

Idem_Finances_Letter-compressed(1).pdf

Link to post
Share on other sites

Wetcloths dont buy debts.

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

Wetclths dont buy debts only chase for their stated client.

 

Dx

  • Thanks 1

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

what can a dca do to you?

and what can a DCA that does even own the debt do even less.

 

you ignore everyone until or unless you ever get a letter of claim with a reply pack.

 

please get reading up there are 1000's of threads here for you to read.

Debt Management Plan Companies - Consumer Action Group

 

 

dx

 

  • Thanks 1

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

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...