Jump to content


  • Tweets

  • Posts

    • You have of course checked the car is now taxed and the £68 is stated against  the same reg?  If the tax for the same car did over lap, then I can't see you having an issue pleading not guilty Dx
    • The boundary wiill not be the yellow line.  Dx  
    • Afternoon all Looking for advice before I defend claim for car tax payment that the DVLA claim I owe £68 from an idemity claimback from my bank and unpaid tax  brief outline. Purchased car Jan 30th ,garage paid the tax for me after I gave them my card details  first payment £68 out in Feb 24  followed by payment of £31 from March due to end Jan 24 Checked one of my vehicle apps and about 7-10 days later car showing as untaxed? No reason why but it looks like DVLA cancelled it , this could be because I did not have the V5 and the gargae paid on my behalf but not sure did not receive a letter to say car was untaxed.  Fair enough I set up the tax again staight away in Feb 24  and first payment out Mar 31st , and each payment since has come out each month for £31 , this will end Feb/Mar 2025, slightly longer than the original tax set up, all good. I then claimed the £68 back from my bank as an indemity refund as obviously I had paid but DVLA had cancelled therefore it was a payment for nothing?  Last week recieved a SJP form dated 29th May stating that DVLA were claiming for unpaid tax and a false indemity claimback which of course is the £68. It also stated that I had received two previous letters offering me the oppotunity to pay that £68 but as I had not responded it was now a court claim that I must admit guilt for or defend. My post is held for weeks at a time from Royal Mail ( keepsafe) due to me receiving hospital tretament at weeks at a time that said I did not receive any previous letters from DVLA. I am happy to defend this and go to court but wondering what CAG members think? In summary I paid an initial amount of £68 and then a DD of £31 , tax cancelled  I set up a new DD at £31 a month all in the month of Feb 2024, I claimed the £68 back from my bank. DD has been coming out each month without issue and I have paperwork to show the breakdown for both DD setup's plus bank statements showing the payments coming out . The second DD set up has extended payments up to Feb/Mar 2025. DVLA claiming the £68 was ilegally claimed back despite the fact they cancelled the original DD for reasons unknown. Is this defendable ? I will post up documents including the original DD conformations 
    • That doesn't look like clacton ... Former Brexit Party leader Nigel Farage buys coastal home in Lydd-on-Sea WWW.KENTONLINE.CO.UK Former Brexit Party leader Nigel Farage bought a coastal home in the county, it has been reported.  
    • It's not a private road.  It's a small public street (with Resi houses) that leads into and from public road/ highway. The garages have land in front of the doors.  Then there's a yellow line. So there's a clear marker on what is private and what is public.  These people keep parking on the private land side
  • 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
  • Recommended Topics

old Advant Credit Loan now ACI Debt collectors - passing to Resolvecall Limited for doorstep visit


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 903 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

Good afternoon,

 

I'm helping my mum with a debt I thought she'd sorted out - I'll give a bit of background first

 

- a loan balance of around £4,500 which when payments became unaffordable due to ill health and loss of job, she offered £100 a month.

 

They accepted this but said it wouldn't reduce the balance, just keep the loan from defaulting. She told them she couldn't afford to pay this indefinitely if the loan would never reduce,

 

said she would rather stop paying and invited them to take her to court. They didn't, they just added interest etc and when the debt reached £8,500 odd they sold it on.

 

Now two years later, I'm finding out that ACI debt collectors has been sending her texts and emails which she hasn't replied to, mainly because she's too ill most of the time,

 

but I suppose also because she's waiting for court so she can set up a real payment plan where payments will go toward the actual debt, but she's told me today that they've sent an email saying that if she doesn't call them within 21 days then "Resolvecall will be instructed to attend your home address to assist you with contacting us to discuss your account" 

 

What the hell does "assist you with contacting us" mean? they gonna hold her down and hold the phone to her ear?

 

I'm about to get involved with it now, but I'm hoping I can get some advice on how best to approach this. Its still a year and a half away from being statue barred because she made these reduced payments.

 

I can't be with my mum, but she's vulnerable and I'm worried about her being home alone if they are going to try and intimidate her.

 

I've told her not to answer the door if she's unsure, or not to let anyone in, even if they demand it but I'm worried.

 

Any advice on how best to approach this will be greatly appreciated

 

Thanks.

KB

Link to post
Share on other sites

ACI are a debt debt buyer/DCA,  who was the original creditor please and when was this loan taken out??

 

reSolvecall or scotcall as they used to be known (snotcrawl) like any DCA are not BAILIFFS

and have

ZERO legal powers on ANY debt - no matter WHAT it's type

ignore them and stay off that phone!! 

 

 

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

It was a company called Avant. The original loan was taken out in Jan 2014 and last payment (think they called it a forbearance payment) was made around March 2017.

 

I have no intention of calling, was going to email them, but want to know if they are being a bit naughty with the wording "Resolvecall will be instructed to attend your home address to assist you with contacting us to discuss your account" 

 

Plus, should we request any details from them etc? 

 

Thanks DX

Link to post
Share on other sites

simply ignore the DCA's until/unless she ever gets a letter of claim (doubtful!)

 

send Avant Credit an sar .

 

ACI are threatening a doorstepper (totally powerless) as they most probably know the debt is unenforceable.

why didn't avaNTI take her to court and crush her?? why sell it on for about 10p-£1 to a fleecing debt buyer?

 

do not engage with ACI nor RC at all.

 

just to check things - she has not moved since taking this loan out has she?

 

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

Hi DX

 

We will send a SAR.

She has moved since taking out the loan, but Avant were aware of this and although ACI don't put her home address on the emails they send, and have never sent a physical letter they could easily get this info from Avant or her credit record. Do you think this may just be a phising trip they're on? 

 

Thanks

KB

Link to post
Share on other sites

i would not ever be paying attention too email/texts/phonecalls just block and bounce / reports a s spam the lot.

 

 

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

They may turn up at her door, best option is don't engage with at all but if you open the door just tell them to leave and shut the door whilst filming them so they know they're being filmed, that way they may be less inclined to stand on the doorstep and shout in an effort to embarrass you.

Link to post
Share on other sites

tell them never to return else you'll call police 101.

powerless totally

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

Quote

Avant Credit is no longer accepting new loan applications.

 

AvantCredit of UK, LLC may choose to sell the ownership of your loan agreement to another company at any time.

If/When this decision is made you will be contacted via Email and postal mail confirming:

- A change in ownership has occurred, including the date this has/will take effect
- How this change will impact you
- Who now owns your debt
- How you can contact the new owner of your debt to agree your repayment structure

A list of the possible companies who your loan could have been transferred to are below. If you have lost the information provided from AvantCredit we recommend you contact them in the order below quoting your AvantCredit loan agreement number so your account can be located.


 

Perch Capital / ACI-UK Limited (“ACI”) 

How do I contact ACI?
Telephone: 01253 531250 (calls are charged at the local rate but may vary from a mobile)
Email: [email protected]
Post: ACI, PO BOX 1360, Blackpool, FY1 9ND
https://www.assetcollections.uk


 

Oplo PL Limited

How do I contact Oplo PL Ltd?
Telephone: 01253 603960 (calls are charged at the local rate but may vary from a mobile)
Email: [email protected]
Post: Viscount Court, Sir Frank Whittle Way, Blackpool, Lancs, FY4 2FB
https://www.myoplo.co.uk


 

 

For any other questions regarding your Avant Credit loan, please contact us via email on [email protected]

 

https://www.avantcredit.co.uk/

 

So they have two powerless DCA's that they ''sell'' customers debts to, and when they can't collect they farm it out to another powerless clown outfit to threaten customers with computer generated missives, how puerile.

  • Thanks 1

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

  • dx100uk changed the title to old Advant Credit Loan now ACI Debt collectors - passing to Resolvecall Limited for doorstep visit
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...