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    • You are receiving what you bargained for / accepted, for both contracts (site access & tent). Did you book the tent for 4 nights, knowing you could only use 3. if the tent had been available for 3 nights only: you could have contracted for that. if it wasn’t, and your choice was “pay for 4 nights, get 3 nights use” or “don’t book” - you made your choice, and agreed a contract.   They are now offering others more, but provided you are receiving what you contracted for and no less, you don’t have a cause of action.   if you want to get “more value” from the tent contract : consider paying the site’s early access fee. If you choose not to you’ll still get what you originally contracted for so aren’t actually worse off, even if you feel slighted.
    • Hi,    I'm not sure if this is the correct forum for the following, and am looking for a general consensus or thoughts on whether i have cause to take action or not?  It's long winded but I've tried to be as concise as possible with the facts of the matter.    We booked a festival ticket for an event running from Friday to Monday, in addition we booked via a separate 3rd party company a luxury tent in that companies camp site within the festival. This was at a considerable cost.    Sometime after the purchase of the festival ticket, the organisers announced acts for the Thursday night and an early entry ticket for that night at a reduced cost.     We are not in a position to purchase an early access ticket, as we're unable to change our plans.  On the festival forum those who had purchased an early access ticket for Thursday entry questioned whether they would be able to have an extra night in the luxury tents, otherwise what would they do? The festival organisers said they would be able to. However when we queried the 3rd party they explicitly stated their site was not available on Thursday and would only be open Friday to Monday.  A number of other people reported the same response.   It was on that understanding that we did not actively try to make arrangements that would have allowed us to purchase an early access ticket.    Then all of a sudden the 3rd party changed its position and an email was received to say anyone booked into the 3rd party site would have a free night on Thursday if they had paid the festival organisers the small amount for the early access ticket.    It doesn't seem at all fair some can benefit from this, and some cannot, and I've no problem with anyone who does benefit.    I've messaged the 3rd party and they maintain the terms and conditions haven't changed, they've just added an extra free night that anyone with an early access ticket can take advantage of. This was not the case at the point of sale, because if it was we would have made arrangements to take advantage, instead we were only made aware after they changed their minds to permit this, and we're now not in a position to benefit.    I believe the terms and conditions have changed, and as a consequence I'm paying for a 4 night luxury Tent, and only receiving 3 nights.     I believe it is reasonable to receive either a refund for one night based on the cost now covering 4 nights, or a free night, and a refund of the cost of one night based on the original total of the 3 night contract.    Am i right or being stupid?   Thank you. 
    • Scotland - I know there are some differences when compared with England around statute barred, there may be others I'm not aware of so hopefully someone else is keeping and eye and will correct anything that is said.   I've plans this evening with the fam, so this may be rushed and I might miss something. Given you have so many accounts in different stages, it will be difficult to dig into each individually but the same will apply for all and we will get there   Priority debts are essentially anything that keeps a roof over your head. Anything consumer credit (CC, loan, store cards etc) are NOT priority debts.   Yes, that's what I meant, but really I just mean you will have choices with some saved in the bank. It makes sense on smaller accounts that you offer F&F to clear them IF they aren't already defaulted as it will just lower the amount of communications you will start getting - BUT defaulted debts will show on your credit record and affect you whether you pay them off or not, 6 years from the default, then they will disappear (could be 5 in Scotland, not sure)   You're quite correct that the older the debt, the more likely the paperwork is missing, but some of mine were very new (2020/21 also) and they couldn't provide the documentation..   Lets start here:   -  lower the pro rata on all to £1 (don't provide any income & expenditure info) -  CCA Request to each company that has bought the debt from OC (the last letter from OC will state they've been sold to xxxx) -  get access to credit file -  Forget your morals, they have none   For those debts already showing in default on your credit file and have been sold, you can stop paying entirely until you receive a complete CCA from them   I'll be back later   BT
    • Just a question out of curiosity. What will happen when the 6 years pass since all this began. By this I mean my moving out of the property and all that has followed? From what I can remember I definitely moved out either May or Jun 2016, as my dob is May and I moved out soon after celebrating it. So what will happen when 6 years pass, could someone please explain? Thank you 😊   
    • The driver totally ignored the windscreen pcn, and got a NTK some 23 days later.Parking Eye are lying when they say the driver has been identified.The driver has not been identified to this date.
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Guarantor in a pickle due to non-payment George Banco (aka Everyday Lending Limited)


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So setup a payment plan at say £10pcm for the remaining £160?

.

 

problem solved?

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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could , yes... but they've wiped everything they should.

 

i notice re reading the thread 

there is no signs of either default notice.

 

so it might be an idea to sit on her hands until/unless they issue a letter of claim.

 

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, no default notice has ever been served. 

 

They have started up again sending us the usual harassing  generic texts and emails asking for the £48.73 per month. 

I'm going to wait for the letter of claim (if they ever send one, seems they have no idea what they're doing) 

 

I don't think we should set up a payment plan due to the irresponsible lending in the first place. 

 

Does anyone know where we stand if no letter of claim is received? 

 

I feel tempted to go to the financial ombudsman and report them now. Is that a good move at this stage ?

 

 

 

Edited by dx100uk
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no sit on your hands

 

theres nothing the FOS would do unless you think otherwise?

you can't complain about no defaults ......

 

if no LOC then the debt ticks slowly toward statute barring.

 

you should be blocking and bouncing ALL their emails

and you should be blocking and reporting texts to 7726.

 

 

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

I wasn't going to complain to FOS about no defaults. 

 

I wanted to report banco to FOS for the IRL in the first place and I wasn't happy with their response to us about setting up a payment plan. I think the debt should be written off. 

 

Thanks for the advice about blocking, bouncing anf reporting emails.  We shall set that up. 

 

 

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sure you've been told before about email & texts.

 

she might owe £160, if the fos agree then thats bad and enforceable against her.

 

better to see what they do 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... 

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yes i see, however a quick bit of self help reading a few threads in this PDL forum will show it's std advice on every debt, not matter what it's type.

 

if you do those things, which removes their free way of harassing her, trying to intimidate and worry, they'll eventually, poss, might, actually revert to letter writing, then you have a papertrail, should the need ever arise to involve the authorities in the future.

 

for now i'd go enjoy xmas and new year, even if they were to send IF IF IF a letter of claim after a series of other rubbish that can be ignored til LOC, you've got 30days to reply to it and thats well into the new years.. so enjoy the holiday season now.

 

dx

 

  • Like 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... 

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Share on other sites

  • 1 month later...

Not a default notice....Notice of Arrears is a requirement pursuant to Consumer Credit Act 1974 which a creditor must send to you.

 

https://www.legislation.gov.uk/ukpga/1974/39/part/VI/crossheading/sums-in-arrears-and-default-sums

 

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Well its not asking you to actually do anything...simply informing you as its a legal requirement.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

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hold Nerve on what?

that letter is wrong.

only £160 is poss owed as per their last 'settlement' letter

 

the OC wont ever do court, they'll sell it on for about £20 to a debt buyer/dca and wipe their hands of it.

 

come back if that ever happens

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

Sorry even though you now realise, as an oc never does court, their wont ever most probably be an loc until its ever sold on...and with the obv dispute about the debt balance, they'd drop it like a hot brick.

 

out herding sheep so cant scroll too well. But did these default notices ever show up?? Too

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

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