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    • The trading standards officer didn’t come back to me yesterday so I’m going to call her on Monday morning and just clarify that there is no further action she will be taking so I can proceed to submit the money claim form.    However before I do this, I just wanted your guidance on a few things please.    1.  Should I contact the trader to return his courtesy car as he has mentioned this to the Trading Standards officer?  I am not willing to drive an untaxed car, nor do I want to particularly drive to him even if he arranges the car tax, but do I contact him to arrange a suitable day / time for him to collect it from my mums address. ?    2.  Should I register my fathers car in my name? The DVLA were made aware that my father had passed but at the time, we were under the impression the car was being repaired and would eventually be returned back to us so that we could decide what we wanted to do with it (keep it vs sell it). The situation has since changed and I’m just wondering whether I should register myself as the keeper    3.  My father also had private registration plates on the which we want to keep. I know I need to fill in the relevant paperwork to retain the plates, however should I request the physical plates back from the trader? In hindsight I maybe should have included this in the letters that I sent to him, but is this something I can request via the money claim? In addition, when the keys for the car were given to the trader, they had a key ring of my son of when he was a baby. It might sound petty but I really don’t like the thought of the trader having this, so am I able to request this via the courts also?    4.  When I fill in the online money claim form, should I put my late fathers names as the claimant , i.e Mrs MY NAME as the personal representative of Mr FATHERS NAME (deceased)’.   5.  I also just wanted to have a final sense check of the wording of the particulars of claim as below.    The late Mr XXX, claimant, bought a Jaguar vehicle registration number XXXX XXX from the defendant for £10995 on 4th September 2019. Soon afterwards, the vehicle developed serious defects and despite defendant's attempts at repairs, it has continued to exhibit problems. The vehicle is in the possession of the defendant and has been with him for 21 months during the entire 22 months of the claimant's ownership. The defendant is fully aware of the nature of the defects and has been fully appraised. The defendant has supplied a vehicle which is not of satisfactory quality and the claimant has been fundamentally deprived of substantially for the whole benefit of the contract. Prior to issuing proceedings, the personal representative of the Late Mr XXX, claimant, sent a Letter of Claim to the defendant demanding payment. In the circumstances, the claimant seeks reimbursement of £10000   The one thing I am unsure of in the above  wording is the part where it says “….and has been with him for 21 months during the entire 22 months of the claimant's ownership”   Is the car still classed as the “claimant’s ownership” even though my father passed during this period and I haven’t registered the car under my name? Do I (as the personal representative/ executor) technically own the car?    I apologise for all the questions but I would really like to get this right to avoid any unnecessary delays / costs etc.    And I appreciate all your help with this   thank you 
    • Can I PM you the claim form as it has personal details? I did put in a defence. I believe it’s still open as on the government money claim website it states the claimant will be asked to go to mediation but nothing has happened. The claimant is a landlord for unpaid rent on an old tenancy.    The HCEO has already been…
    • I think there is probably a lot of confusion here. First of all it sounds to me as if there has been a judgement against you in the County Court. This judgement is for a figure greater than £600 and instead of using the County Court bailiffs who are not very effective, the claimant has had the matter transferred up to the High Court for enforcement by High Court Enforcement Officers who have a lot of teeth and will carry out a very robust enforcement. If I'm right, then there is a judgement already in place and you won't be able to get it set aside. I think you need to let us know a bit more what it is about, a copy of the claim form in PDF format would be very useful. Did you put in a defence? Why do you think the claim has still not been heard or settled? Who's the claimant? What is the value of the claim? Also you should be aware that High Court enforcement is very expensive and if the enforcement is successful then you will have the fees added as well which could be as much as £2000. There is no good news here at the moment.
    • I was reading a news article and thought that a UK Government minister looked about 65 so close to retirement.   I then read that they were only 46.    My thought for the day, is that if you want to remain youthfull looking, don't become a Government minister as the job will add 20 years to your looks.
    • All of the information you need to start dealing with this, is contained in the following link.   Income protection insurance WWW.FINANCIAL-OMBUDSMAN.ORG.UK How businesses can resolve income protection insurance complaints.     if the employer is refusing to provide information, therefore denying you opportunity to use any complaints process, you can go straight to the FOS.  Tell the employers you will involve them in a complaint, if you need to, so better they cooperate.
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NCO Europe/Arrow Global/Vanquis chasing money


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hi all. How far have you got with this matter to date?

 

I have also been getting weird statement type things from Arrow (NCO) whoever they are.

 

Now I have a letter saying the agreement is terminated and right at the bottom it says....

please note a default has now been registered on your file.........

 

vanquis has not been on my file for the last couple of years now. I am confused as to what to do. I was thinking a SAR to Vanquis and a CCA to find proof of an original default? It seems odd it has never appeared on my file.

 

the debt is from 2013 and they did the same with me froze the account so It could be paid off. The default claim from Arrow seems odd..... kind of like an 'oh by the way ' comment stuck at the end of the letter......

 

Any help massively appreciated.

I have sent a sar request and cca from vanquis through resolver today

 

thanks

 

thanks 🤪

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stop using useless resolver!

 

sar goes to vanquis the original creditor

the CCa request goes to arrows  the debt owner.

nco are simply a trading name of arrows group.

 

when was the last time you paid anything.

what is the defaulted date registered against the debt on your credit file?

 

 

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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thats the thing, there has never been a default on my CF at all . I literally cannot remember making any payments.

 

Vanquis messed me around and it was eventually agreed at £2 a month (times were hard friends were few)..... however its since gone into the abyss and now arrow are telling me the agreement has ended.

 

Thats why i think i need the SAR as i need to see if Vanquis ever defaulted the debt before it went to arrow... surely they would have done before it was sold on ? so confused. I will send CCA request to Arrow.

 

I used resolver because it means i have a record of all contact etc . I forget so much and lose track with things...... used them a few times and got results so for me they have been ok......

 

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if you send letters by royal mail with free proof of posting from any PO counter then you have a record.

 

but yes ofcourse SAR vanquis, however it might be just as quick to go ring them and ask last payment date, and whilst there, get the defaulted date they registered too.

 

i'd hold the CCA to arrows as it might not be needed if the debt is statute barred.....

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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is there a way to stall them by sending a disist letter for example stating dispute?

thanks for you help ...

 

 also I want proof of everything in writing fro,m vanquis...been bitten before not getting the right paperwork.....

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no don't enter into pointless letter tennis.

 

go ring vanquis please get those Q's answered.

 

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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Share on other sites

no point in doing anything until we know if the debt is sb'd. or not .

1 hour ago, dx100uk said:

go ring them and ask last payment date, and whilst there, get the defaulted date they registered too.

record your call.

 

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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