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    • Hi   I am sure other will be along to assist so please be patient.   I can see where you are coming from as to any prospective buyer if they done checks on your car it would look like your car has been clocked due to the mileage discrepancy.   Now the Garage that done the MOT and recorded the incorrect mileage although they has said this was there error do you actually have that in writing that they have admitted it?   Anything you do with the garage that recorded the incorrect mileage you need to stay off the phone and put everything in writing as you need a paper trail of this.   Did you go through VOSA Complaints procedure due to the mileage error and get a decision for there examiner's assessment? (if so exactly what did there outcome state?)   If not IMO you need to write to that garage and ask why the incorrect mileage was recorded on your MOT after your (discussion/phone call on XX/XX/2022) where they admitted the incorrect mileage was recorded and how they are going to rectify this issue with VOSA.    You also need to send that specific Garage a Subject Access Request (SAR) (giving them all your vehicle details) asking for 'ALL DATA' the simple phrase covers whatever format they hold that data in whether it be written, email, recorded phone calls etc.   They then have 30 Calendar Days to respond only once they have acknowledged receipt of your SAR request, they may ask you to provide ID to confirm who you are which they are allowed to do.   As said please be patient others will be along to advise.
    • Hi   I have to agree with dx100uk on this any warranty given does not exceed your rights under The Consumer Rights Act 2015.   As for them stating this was a 'Private Sale' really the Trader sold this vehicle and you have rights under the Consumer Rights Act 2015.   Consumer Right Act Legislation:  Consumer Rights Act 2015 WWW.LEGISLATION.GOV.UK   Were you by any chance told you signed a legal agreement into a Private Sale where there are no returns or refunds?   Look at this review go down the webpage until you get to the very first one star review (15 Oct 20) and have a read of their response::   We Sell Any Auto | Car dealership in Preston | AutoTrader WWW.AUTOTRADER.CO.UK Browse all current We Sell Any Auto vehicles for sale. View contact details, customer reviews, services offered and more on We Sell Any Auto.   It may be helpful if you could post up in Multi PDF Format fully redacted the documents you signed for this car so we can see what you signed. Also have you put the cars registration into the Governments Check MOT to have a wee look at the Cars history: https://www.gov.uk/check-mot-history We Sell Any Auto Ltd   Registered Office Address: Brierley House Brierley Street, Ashton-On-Ribble, Preston, Lancashire, England, PR2 2AU   Company Number: 10485166   Company Status: Active   Incorporated: 17th November 2016   Company Type: Private Limited Company   Previous Company Names: Three Oaks Car Sales Limited -     17 Nov 2016 - 02 Dec 2019   Nature of Business: 45112 - Sale of used cars and light motor vehicles   Directors: Tom Brown (appointed 1st Dec 2019), Dan Carruthers (appointed 17th Nov 2016)   Companies House link: https://find-and-update.company-information.service.gov.uk/company/10485166   Endole link: https://suite.endole.co.uk/insight/company/10485166-we-sell-any-auto-ltd   Bizdb link: https://www.bizdb.co.uk/company/three-oaks-car-sales-limited-10485166/
    • Hmm sounds like they are covering for him especially as he opened door and walked in.  No need to report it just ask for advise re what they would class this as for your complaint.  Clearly he has broken the law. I have a post regarding dpd where he tried to push his way in to a neighbours house and demand that she is in the living room holdìng the parcel. Dpd are known for doing this sort of thing. I have made several complaints about them and there male staff trying to force the way into houses past females. One even tried it with me tho bad mistake as they thought l was alone. The guy could not see my 18 yr old Son upstairs, my partner coming threw from Kitchen and a friend at side of house. As soon as my partner and friend appeared he decided a picture on doorstep is fine despite our friend tecording the guy before he noticed him and the video being forwarded to dpd they have done nothing.  I know he still works for them as he delivered to me Tuesday.  You need to kick up a stink tell them you want a copy of the complaints procedure. Maybe even policys on driver behaviour. 
    • Sri Lanka's giant neighbour is emerging as one of its biggest providers of aid, after years of mistrust.View the full article
    • One of the things that could help your case is their first PCN to you. Could you please post it up as I think there will be at least one thing that would help in your defence.
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Blackhorse Finance Default


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Hey,

 

I'm defaulted on an account with Blackhorse Finance. I'm due to pay the balance in January. I've read loads about defaults in this forum, and it's all very informative.

 

I've read the t&c's on the reverse of my contract with them, and there is a section which reads:

 

"INFORMATION WE GIVE WHEN YOUR AGREEMENT IS RUNNING"

 

We file infmation about your credit agreement with credit reference agencies. This includes your name and address, the amount of credit and payments due, and the period of the agreement whether you have paid promptly. We will record defaults with the CRA, and what you owed us if we had to terminate the agreement. This information will be available to others from whom your or members of your household request credit. Information filed with CRA's is also used to prevent fraud and to help creditors trace debtors.

 

We may for these purposes exchange information about you and this agreement with others offering credit. This helps to protect all honest customers. WE may also pass information about you and this agreement to any dealer whom we be believe you have asked to obtain that information, to anyone we have appointed to help administer this agreement, or to whom we transfer it or, if you take credit insurance, to the insurer for administration. claims handling and fraud prevention.

 

My aim is to have this default removed upon settlement and not have it hanging around for 6 years (which I think is ridiculous IMHO).

 

The key thing I can pick out is in the title of the section. It clearly states that this information will only be given whilst the agreement is running.

 

Am I being a bit dim or could this be useful when asking for the default to be removed? Anyone have any comments?

HSBC - S.A.R - (Subject Access Request) 30/10/06

 

07/11/06 - Letter refunding cheque and informing statements will be along shortly.

08/11/06 - Statements from Jan-2001 to Jan-2004 rec'd. Requested more but am waiting.

09/11/06 - Sending of prelim request for refund! £913.50

27/11/06 - Letter from Royal Mail, original prelim lost in post!!

06/12/06 - Another prelim sent :(

19/12/06 - Reply from Mr Langdale saying complaint received and that I'll have a proper response by 5th January 07....

 

Capital One - S.A.R - (Subject Access Request) 31/10/06

 

Sent off prelim for £392.00 - All adds up I suppose! 06-12-06

Partial Offer received 19/12/06 - £152, offer accepted as part settlement only......

 

GE Capital Bank - S.A.R - (Subject Access Request) 31/10/06

 

Store card account. Charges approx £200, prelim being sent off in the new year!

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I take it that the agreement is fairly recent in view of the sentence that

says that your data can be used by CRAs to trace debtors.

 

Here is what the ICO have to say on continuing processing data after an

account has been closed.

 

"Consent must be appropriate to the particular circumstances. For example, if the processing is intended to continue after the end of a trading relationship then the consent should cover those circumstances. However, it must be recognised that even when consent has been given it will not necessarily endure forever. While in most cases consent will endure for as long as the processing to which it relates continues, data controllers should recognise that, depending upon the nature of the consent given and the circumstances of the processing, the individual may be able to withdraw consent."

 

So that would appear to confirm your feelings, as they say that even if

the agreement did contain your consent to process data after the contract

has been cancelled [and yours doesn't] it will not last forever and may still

be cancelled by you.

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Thanks again for your input - it really is appreciated. I'm one of those people who although knows something is 99.99% correct I always like to make sure someone else sees something the way I do.

 

I'm paying these off in the New Year and will ask for any references of default to be removed from my credit file. If they ask why, I will refer them to their own T&C's and then quote the ICO comments too.

 

Thanks again!

Lee

HSBC - S.A.R - (Subject Access Request) 30/10/06

 

07/11/06 - Letter refunding cheque and informing statements will be along shortly.

08/11/06 - Statements from Jan-2001 to Jan-2004 rec'd. Requested more but am waiting.

09/11/06 - Sending of prelim request for refund! £913.50

27/11/06 - Letter from Royal Mail, original prelim lost in post!!

06/12/06 - Another prelim sent :(

19/12/06 - Reply from Mr Langdale saying complaint received and that I'll have a proper response by 5th January 07....

 

Capital One - S.A.R - (Subject Access Request) 31/10/06

 

Sent off prelim for £392.00 - All adds up I suppose! 06-12-06

Partial Offer received 19/12/06 - £152, offer accepted as part settlement only......

 

GE Capital Bank - S.A.R - (Subject Access Request) 31/10/06

 

Store card account. Charges approx £200, prelim being sent off in the new year!

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Hi Lee,

 

Lack of consent gives you the right to issue a s.10 notice asking them to stop processing your data on the grounds that such processing is causing you damage or distress and that such damage is unwarranted. There is no obligation to say that they must comply. They may argue that they have the right to process your data under condition 6 of schedule 2. If they do, you have the right to apply for a court order under s.10 (4) to enforce compliance with your s.10 request. The court will weigh the conflicting interests between their right to process and your rights and decide if the processing in your particular case is unwarranted. Its not simply a matter of you withdrawing consent and they have to remove the default.

 

Hope this helps

 

Zoot

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Hi Zoot,

 

Thanks for that. I'm aware of the consent not being enough for them to remove the default. My argument is that I didn't cease to pay them anything, but re-negotiated payments for lower amounts. They still defaulted me though. I've actually got a letter from one of the banks, HFC which states they lowered the payments to prevent a bad debt being registered, but they still defaulted me on credit file!

 

Cheers,

Lee

HSBC - S.A.R - (Subject Access Request) 30/10/06

 

07/11/06 - Letter refunding cheque and informing statements will be along shortly.

08/11/06 - Statements from Jan-2001 to Jan-2004 rec'd. Requested more but am waiting.

09/11/06 - Sending of prelim request for refund! £913.50

27/11/06 - Letter from Royal Mail, original prelim lost in post!!

06/12/06 - Another prelim sent :(

19/12/06 - Reply from Mr Langdale saying complaint received and that I'll have a proper response by 5th January 07....

 

Capital One - S.A.R - (Subject Access Request) 31/10/06

 

Sent off prelim for £392.00 - All adds up I suppose! 06-12-06

Partial Offer received 19/12/06 - £152, offer accepted as part settlement only......

 

GE Capital Bank - S.A.R - (Subject Access Request) 31/10/06

 

Store card account. Charges approx £200, prelim being sent off in the new year!

Link to post
Share on other sites

Am I right in thinking that you are currently paying BH back and the last payment is due in January? Or it it just that you intend to clear the account then?

If the latter, then it is much easier to do a deal with them to remove the

default in exchange for the debt being cleared. Not so easy if there is only a small amount outstanding.

 

And if the former. might be better writing to them anyway, before tha last payment, pointing out that you will have honoured your part of the commitment in the coming

month. And you are hoping that the bank, in recognition of that, will

reciprocate by removing the default against you. After all, it would have been

fairly easy for a young man like yourself, to go abroad perhaps for a while

to avoid paying the debt. Instead you have shouldered your responsibilities,

and you are delighted [as they must be too] that the end is in sight.

 

As you have now learnt from your past experiences, and your finances and

prospects are strengthening all the time, you are aware that a sensible

approach to the use of credit, can be a benefit, and not a millstone as it

has appeared at times.

With that in mind, you feel that having come through a sticky period, and

taken lessons from it, that you will be highly unlikely to repeat your previous

mistakes. And on that basis, you would like to think that they would take into

account the responsible attitude shown in repaying the debt, and take the

view that to continue processing the default applied to your account would

be too punitive.

Obviously they should not continue processing thereafter, but sometimes

some of them do try it, and a ltter like that may smooth the way. You can

always slap a writ on them when all else fails.

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You can

always slap a writ on them when all else fails.

 

Lol. Thanks lookingforinfo. Your input has been a great help in this thread. I am indeed paying off the debt in one go, just over £4k. I thought this would possibly stand me more merit than merely taking 5 years to pay it back. As you say, a nice letter to see how they feel about the default will help to find out their thoughts on removing the default. I'll get the letter typed up between christmas and new year then get it sent as soon as the post office is open! (I'll post it on here for people to comment on first)

 

Merry Christmas!

 

Lee

HSBC - S.A.R - (Subject Access Request) 30/10/06

 

07/11/06 - Letter refunding cheque and informing statements will be along shortly.

08/11/06 - Statements from Jan-2001 to Jan-2004 rec'd. Requested more but am waiting.

09/11/06 - Sending of prelim request for refund! £913.50

27/11/06 - Letter from Royal Mail, original prelim lost in post!!

06/12/06 - Another prelim sent :(

19/12/06 - Reply from Mr Langdale saying complaint received and that I'll have a proper response by 5th January 07....

 

Capital One - S.A.R - (Subject Access Request) 31/10/06

 

Sent off prelim for £392.00 - All adds up I suppose! 06-12-06

Partial Offer received 19/12/06 - £152, offer accepted as part settlement only......

 

GE Capital Bank - S.A.R - (Subject Access Request) 31/10/06

 

Store card account. Charges approx £200, prelim being sent off in the new year!

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Share on other sites

Whoa there Lee................

My suggestion above was based on you being at the end of a payment plan,

not making a lump sum payment.

Because they are not expecting this, write and say that you may find that

you may be able to make a substantial payment off the debt, but as you

have other commitments as well, you are in two minds what to do if

the situation arises. One thing holding you back from a lump sum payment,

is that the default will still show for 6 years-so there is no great incentive

on your part to go that route.

You appreciate that by making regular monthly payments, the default will

last for longer-possibly three years. but that is a comparatively small length

of time when you are stuck with six years anyway.

 

And then say that you would appreciate if they could come up with a solution

to your dilemma and if there is one, then you would actively do your best to

comply with their requirements..

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Cheers - I'll get a letter typed and post a copy on here before sending it off. Should be sometime end of Jan / early Feb that I can pay it off. I might be a little bit cheeky and ask for a discounted settlement too, don't suppose it hurts to ask.

HSBC - S.A.R - (Subject Access Request) 30/10/06

 

07/11/06 - Letter refunding cheque and informing statements will be along shortly.

08/11/06 - Statements from Jan-2001 to Jan-2004 rec'd. Requested more but am waiting.

09/11/06 - Sending of prelim request for refund! £913.50

27/11/06 - Letter from Royal Mail, original prelim lost in post!!

06/12/06 - Another prelim sent :(

19/12/06 - Reply from Mr Langdale saying complaint received and that I'll have a proper response by 5th January 07....

 

Capital One - S.A.R - (Subject Access Request) 31/10/06

 

Sent off prelim for £392.00 - All adds up I suppose! 06-12-06

Partial Offer received 19/12/06 - £152, offer accepted as part settlement only......

 

GE Capital Bank - S.A.R - (Subject Access Request) 31/10/06

 

Store card account. Charges approx £200, prelim being sent off in the new year!

Link to post
Share on other sites

Cheers - I might be a little bit cheeky and ask for a discounted settlement too, don't suppose it hurts to ask.

 

If you are thinking about requiring further finance in the forseeable future,

asking for a discount may not be in your best interest. As you will not have

paid off all the debt, despite agreeing to a full and fimal settlement, you may

well find a reluctance by BH to mark your debt as satisfied. And on some

occasions, companies have passed the still outstanding amount on to a DCA,

as the new owners of the debt will not have signed an agreement with you.

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  • 1 month later...

BH won't negotiate with me at all, so I won't be paying them off in a hurry. I've got the necessary credit facilities that I'll need for the forseeable and I'm paying them back interest free. If they change their tune I might pay the balance, not heard a peep from them in ages! :)

HSBC - S.A.R - (Subject Access Request) 30/10/06

 

07/11/06 - Letter refunding cheque and informing statements will be along shortly.

08/11/06 - Statements from Jan-2001 to Jan-2004 rec'd. Requested more but am waiting.

09/11/06 - Sending of prelim request for refund! £913.50

27/11/06 - Letter from Royal Mail, original prelim lost in post!!

06/12/06 - Another prelim sent :(

19/12/06 - Reply from Mr Langdale saying complaint received and that I'll have a proper response by 5th January 07....

 

Capital One - S.A.R - (Subject Access Request) 31/10/06

 

Sent off prelim for £392.00 - All adds up I suppose! 06-12-06

Partial Offer received 19/12/06 - £152, offer accepted as part settlement only......

 

GE Capital Bank - S.A.R - (Subject Access Request) 31/10/06

 

Store card account. Charges approx £200, prelim being sent off in the new year!

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