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
      • 161 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

Been Blindly paying Various DCA's £10PCM for 15yrs on old RBS Lombard loan - help


Willowsdad
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 816 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

Hello all, hope somebody can advise.

 

On one of your site team footnotes it says to "...stop blindly paying a DCA-"

 

well I have for nearly 15 years now after I defaulted on a Lombard Loan. About 10 years ago I sent RBS a SAR but they had no records of my loan although I did get a copy of the CCA agreement from Westcot. 

 

My original agreement through Citizens advice has meant i remain on paying back at £10 pcm with no interest added. I have not missed a payment in those 15 years but will probably be 6 feet under before it is repaid.

 

In the last 15 years the debt has been sold and resold from Westcot to Arden, Robinson Way, 2 different Idem companies,  Robinson Way (again!) and a few months ago to Hoist who offered to write off half of my £4000 balance and will accept £2k over 3 payments which I dont have although I was curious why they would do this- none of the others have?.

 

So the question I have is

- do  I continue to pay £10/m and the debt dies with me? (i retire in 5 years) or negotiate with hoist to get a further discount? Or....do I stop "blindly paying " and if I do what are the consequences?

 

thanks in advance

Link to post
Share on other sites

so why didn't/havent you ever sent a CCA request instead of an sar which is useless.?

 

they wont have one 

 


n

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

Thanks dx100uk - it was your footnote I saw when I was searching for advice earlier- so glad you have replied

 

Off memory (15 years ago) I asked for one and they said it was with the DCA which Im sure was Westcot and they sent me a copy - I do have it somewhere.

I think the SAR was a much later thing to do with me being cheeky and asking for PPI back which I had taken out.

Link to post
Share on other sites

well what wetcloths sent years ago, might not exist today. so send hoist a cca request, must be something wrong else why offer a discount....

 

sadly it looks like a classic cash cow account... sorry

they pass it around all their mates... here you have a bit ..this mug is blindly paying anyone that rocks up after a simple letter.

 

di you get the ppi back of lombard (rbs)?

 

 

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

  • 3 weeks later...

Update... I have received a response from Hoist confirming my request for a copy of CCA. They have returned my £1 postal order saying it is no longer required for this.

 

If and when I get the CCA I will advise further

Link to post
Share on other sites

oh well they've already exceeded the 12+2 working day deadline.

must be diving deep into their filing cabinet of fake agreements to copy your details onto...:pound:

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

  • dx100uk changed the title to Been Blindly paying Various DCA's £10PCM for 15yrs on old RBS Lombard loan - help

and ofcourse now please stop paying!!

 

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 months later...

Well dx100uk I did as you said and they received no payment from me in December or January. No CCA was ever received by me (£1 po returned) although today I have had a letter from Hoist asking me to speak with their "reconnection team" to "...determine if a home visit would help" . ???

 

Do I ignore it  or tell them I didn't receive the CCA so its case closed? ( i dont want anyone arriving and bothering my teenage kids if I'm out)

 

please advise next move. many thanks for your help so far

Link to post
Share on other sites

Well polish your doorstep and give it to them.

 

Please remember no dca has any legal powers and are not BAILIFFS

dont fall for the idle threats they designed to make you respond..dont.

 

no pointless letter tennis 

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...