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    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
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Southwestmicrocampers - Carl Britton - Faulty Peugeot Partner Tepee HDi


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It doesn't need to be registered. Not being registered means that he is not limited liability company but he is an individual trading as XXX business.

You have told us that you bought it from the business

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Brilliant thank you

 

Is there anyway I can find out his personal address? I hand delivered a letter today to his business premises. This is a unit under another business which hands out all the post to the businesses in that yard. Thanks

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I think it's only going to be by diligent research and some good luck. It's an unusual name and so that will help.

 

If you find possible addresses then you can check up the ownership by looking at the land registry web search service. I think it costs about 3 pounds per address

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He has now emailed me and said he will take the car back and has booked it in to a garage in Torquay to be looked at. The problem is I don't trust him.

 

Its not to get the car fixed but to have it looked at by Vospers in Torquay.  I think he might possibly know the people at this garage. The purpose wouldn't be to benefit me but to try and blame me for the fault. 

 

Do I need to hand the car over even though I dont trust him. 

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Have you booked your independent health check?

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????

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I'm sorry to give you a rough time about this but it is now urgent. You should have put it in hand when we first suggested.

If you are unable to book a full diagnostic before the car is taken away from you then you may have difficulty verifying anything.
I'm sorry to hear that you are simply going to "look into doing it…". I think it's a very essential step.

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It has already had a diagnostic at the garage that did the MOT. Also a second garage that we took it to confirmed the issue who was specialist. We have the print offs and the statements. 

 

Will this not be good enough? I am taking your advice. However my dad is telling me a health check isn't necessary due to it having an MOT and all the other things we have. 

 

Please can you point out the importance of this so I can feed back to my dad. Thanks. 

 

I will get onto it Monday morning. 

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The MOT only checks a very limited number of factors.

I don't know what other cheque you had been if you think that it has done a thorough diagnostic of the entire car and you are confident in the garage that which did it then that must be good enough.

I would have thought that the importance is obvious – and that is you need to find out everything you can about the condition of the vehicle so that you understand exactly what the problem is in the value of the problem.
You are dealing at the moment with only one problem which is materialised that as you are going to be challenging the dealer, then you may as well have a complete understanding of all the possible issues so that you don't end up challenging the dealer bit by bit but you get the whole thing sorted out as soon as possible.

That is – unless you prefer to deal with this issue, then down the road find out that there is another issue and then have to go through this again – and again et cetera.

If your father is advising you then maybe it is better simply to stick with him rather than use this forum.
 

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Ok I will speak with my dad tomorrow. I do understand the points you have made about other issues that may occur. I just wondered if any of our evidence was weak and this is why we need a health check also. 

 

I have been very busy gathering evidence writing letters, trying to work etc. I have sent a second email. Hand delivered the letter to his premises and emailed him. 

 

I will get on with health check next week ASAP.  Thanks again for your advice. You have really helped me. I would be lost without it. 

 

I have really questioned whether I had a case because of some of the things this trader has said to me. 

 

Im really not very good with this sort of confrontation as you can probably tell. I feel very intimidated by this. 

 

Its all very stressful. Makes me feel sick. I know I must stand up for myself and my rights.

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While the number one thing is that you should stop believing the trader. The trader has skin in the game.

Although I started using the phrase "health check", I think we better move to saying "diagnostic". If you are unable to arrange a diagnostic for this week then I would suggest that you make your excuses to the dealer so that you get the diagnostic first and then let the dealer have the vehicle. Don't disclose that you had the diagnostic. That is a card which you keep up your sleeve.

 

I'm sure that your father is well-meaning and has your best interests in mind that frankly I think you should be steered by what we say

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Car booked in for a full health check at halfords on Thursday. The day before we take the car to vospers in Torquay who are not a main dealer but specialise in Peugeot.  I have told  Carl who we purchased the car from we will take it to the garage. He doesn't want us to speak to the garage and has advised to meet in the car park.

 

He said the dealership might be in a position to financially support the repair. He has told me not to approach the dealership as its booked in his name. 

 

Any interference by me may jeopardise any potential good will. 

 

I just don't trust him. I think he is going to try to put the onus on me with this garage.

 

The car has been driven to various garages as he has not helped until now. The fault was there from the beginning. Therefore cannot be made worse from driving it.  Can he specify the garage or can we insist it goes to Peugeot main dealer in Exeter.  

 

Thanks

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wouldn't trust him at all.

 

he cant dictate no.

 

 

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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You should not do anything that this man tells you. If he doesn't want you to speak to the garage then that is all the more reason why you should speak to the garage.

In fact if I were you I would go to the garage straight away and discuss the forthcoming appointment with them.

Well done on getting the Harrods diagnostic. Make sure you get a full diagnostic in writing. We had somebody on this forum recently who went and got a diagnostic from Halfords and although Halford identified a problem, they didn't give her the written report and it then turned out that it was pretty well impossible to retrieve.

This caused a serious prejudice in a complaint she had against the dealer.

I know that we probably sound like gloom and doom here – but I'm afraid that we've been doing this for 16 years and I would recommend that you follow our advice because you are benefiting from a lot of experience.

In terms of your comment about jeopardising Carl's goodwill you don't seem to get it that it is he who has to benefit from your goodwill. You are the client. In fact you are the aggrieved client and you are in the middle of getting information and taking control of this.
 

When he said that the dealership "might" be in a position to financially support the repair. What was he saying? We saying that his dealership might be prepared to pay? "Financially support" suggests to me that they might make a contribution – but only a contribution.

As he said this in writing? How did he communicate this to you?

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I have asked if it can be booked in with a Peugeot dealership. He has refused saying he does not trust me and I could know someone at the Peugeot dealership. It just goes on and on. 

 

Although vospers specialise in Peugeot they are not Peugeot. He has not referred back to Vospers possibly paying towards repairs as reason to take it there. 

 

I think this was carrot to get me to agree to a garage he knows well.

 

He has refused to book it in to the Peugeot in Exeter and has told me if I don't agree to Vospere by the end of business today he is not doing anything.   

 

He has also told me the original £480 he offered towards the repair has now been withdrawn. 

 

He is accusing me of being the untrustworthy person. This is because the car has done some mileage after the MOT. 

 

The reason it has done some mileage is that it was driven after the MOT as my parents were taking it on holiday to East devon.  Then whilst they were driving it the lights came on and we returned it to the garage and that is when we had the diagnostic. 

 

The garage told us it was fine to drive but needed topping up with ad blue. The gage said it 700 miles to drive until it needed topping up.  It was topped up at 450 miles. 

 

I did not use the car for work as why would I purposefully add more miles than necessary.

 

It has also done some mileage as we have taken it to 3 different garages whilst Carl has refused to do anything. 

 

Additionally the fault was already there at the first diagnostic.  

 

What should I do next? Get my own health check and wait for the 14 days to be up then apply to the court? 

 

He has said we have provided little evidence. 

 

We went to a specialist-

 

1) We have given him copies of the original diagnostic later in the day after the MOT. 

2) A statement from Halfords. 

3) Report from CR engineers. 

4) He has spoken to CR engineers and confirmed that in messages. 

 

Thanks

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I asked you about your communications and what form they are taking – but you haven't told us.

 

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They are by email now but previously they were by WhatsApp. I kept asking him to use email. I have recorded all the WhatsApp transcripts though. 

 

I dont know what other information I can provide him. I have given him everything. Although I havnt told him about the health check on Thursday. 

 

Is this what you mean? 

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Absolutely right. You should not tell about the diagnostic at all. You should keep it back in order to compare it with what he gets so that you understand his position and your own position before you begin your challenge.
I'm afraid that it's a stealthy game – but this is where this character is leading you.

So I take it that his refusal to let you take it to a Peugeot garage and also his insistence that you don't speak to them is all in writing – is this correct?

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Yes its all in writing through emails.

 

Shall we apply to the court now? 

Letter sent and emailed on the 29th of September giving him 14 days to respond. He has responded with an email re taking to vospers. We have asked for it to go to Peugeot. He has refused and has told us it is up to us to fix now. 

 

The above is all documented in emails.

 

Communication has been going since the 21st. 

 

Thanks

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have you sent a letter of claim to him? 

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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