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    • Hi all,        I really need to start my own thread on this Claim with Overdales/Lowell for a Cap One debt. but have already got to this stage .. My initial question for the moment - until replies come in - is that I figure my main stance is that a purchased debt cannot be claimed, debts can only be claimed by the original issuer of the debt .. but mediation is about coming to an agreement. So would I be acting in bad faith if I enter into mediation yet not seeking to come to a financial agreement? Also, I need to reject the scheduled time slot and ask for another as I'm not going to be free during those hours. The wording of the email gives the impression that I am given this one slot and if I reject it, then I am rejecting mediation - there is no mention of rescheduling, only of freeing up the slot for others .. although, I would have thought it would say so, if there were no possibility to reschedule.. Can I ask for another date without issue?   Anyway, if it's more helpful, I am happy to post up my defence and start a proper thread? I had a lot on at the time and had to do things right away due to the time limits, so didn't feel I had time to come here and go back and forth for info, so put my defence together from reading through relevant threads, late at night. CCA request appears to have been fulfilled (I'm still to check the accuracy of the documents). The other thing, asking solicitors about the particulars of the claim, hasn't .. although I forgot to ask for proof of postage and didn't send recorded post either (whereas the CCA I did), so not sure if I can pursue that easily ..?  
    • There is a plea guilty website...   Screenshot 2024-05-22 144200.pdf
    • Looking for a bit of assistance. I moved into a rented flat on 20th April 2024. I viewed it on the 14th April. Before I moved into the flat, the letting agency provided me with an offer sheet, in said offer sheet I made a number of requests and conditions related to me progressing with assuming the tenancy. These were: 1. A professional clean of the flat prior to move in date. 2. The hob, shower glass and bathroom cabinet be replaced prior to move in date. These were all planned actions by the landlord when I viewed it. I could see the boxes for the hob and other items in the flat. I prepared to move in on the 20th April but none of the work mentioned in the offer sheet had been completed. The standard of the clean was abysmal - mouldy food left in the fridge, nothing wiped down, bathroom mouldy etc. The hob, shower glass and bathroom cabinet were also not installed. I decided to not officially move into the flat as it was not in a condition as promised, my partner lives relatively close by so I lived with her initially. It was only on the 24th April that the hob, shower glass and bathroom cabinet were installed. The cleaners visited again 2 weeks after move in date (3rd April) and attempted another clean of the flat. Again, it was a poor job. I resorted to cleaning the flat myself. I have numerous pictures of the things I identified during my clean and have sent this all to the letting agency. Because of the issues faced, I asked the letting agency that the rent be reduced for the initial month. Exactly halved - to represent the 2 weeks that I was not living at the property. The landlord and letting agency have responded by saying that they will be willing to accept 1 weeks rent as a deduction but not 2. My question is, am I in a strong position to insist on the 2 weeks rent returned or have I been fortunate that they have even offered a weeks rent as a deduction? I would like to insist on the 2 weeks. I have paid the 2 weeks only as my rent collection date passed 2 days ago. Thank you for any assistance. Any further relevant details required let me know and I will provide.
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A.Owen/imperial motors Newbury / Moneybarn


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Hello.

On July 28th I purchased a car with finance through moneybarn from Imperial Motors. 

 

From the start there were issues and in hindsight I should have walked away, but I was just naïve and grateful that I was able to get a car. The garage supposedly fixed a fault they found with the car displaying a engine warning light being on. A. Owen motors supplied an invoice saying that they replaced the engine. The engine warning light now keeps coming on.

 

I have contacted imperial and they said they would have the car back to fix. However I have since worked out that Ahmed Alwaheeb is linked to both garages and since reading various articles I do not trust their word or work. i am yet to speak to him personally, he is always unavailable. I am now aware of what this gentleman is like regarding faulty cars. 

 

My garage has said the engine fault is complicated and will need a process of elimination to figure out the cause of the problem. 

 

I'm a right mess and done know where to begin getting this sorted as I feel such a fool. 

 

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  • dx100uk changed the title to A.Owen/imperial motors Newbury / Moneybarn

not your problem it's moneybarns car.

 

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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Of course it would be helpful if you would give us a timeline and also do something about the car and how much you paid for it.

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I collected the car on 28th July. A Ford Fiesta 14 plate.

I paid £5,500 through Moneybarn finance. 

The water jets stopped working last week of August and I had them fixed on 2nd September as I thought it would be easier for me to just pay for it. 

The engine light came on 3rd October and went into my garage on 6th October. It recorded a fault of P0420. 

My garage cleared the fault and I was told to keep an eye on it. 

The engine light came back on 25th October. 

My garage said it was the same fault code and quite a complex thing to fix. 

I then began looking into the paperwork I received when I brought the car and became aware of the people involved and the article in the Daily mail. 

 

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what are you doing paying for any repairs for a car that does not belong to you.??

 

the fact that its linked to Ahmed Alwaheeb is not your problem its MB's.

 

its failed within 6mts its down to the finance/retailer to argue it out to get it fixed.

 

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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The code stand for P0420 Catalyst System Efficiency Below Threshold Bank 1.

 

https://mechanicbase.com/trouble-code/p0420/

 

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Good best thing.

Let MB know and cancel the agreement.

 

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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