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    • Both. If you send an email then attached both documents to the email. Send exactly the same to the dealership and also to the finance company. I would suggest that you do it straightaway – tomorrow and then plan to return the car on Tuesday to give them a day to register what is going to happen. Send the letters by post together with copies of the evidence to the dealership and to the finance company. Then when you take the car in on Tuesday, take a paper copy of the letter and also copies of the evidence on paper and leave them with the car and the V5. I suggest that you use a voice recording app on your telephone and record all conversations. In other would switch it on as you go into the dealership. Keep it in a pocket where it can easily hear the conversations. Don't switch off until you leave so you have got a full recording of exactly everything that happened. Don't get into an argument that tell them that you are returning the car with the keys with the V5 with the letter with the evidence and you want your money back Tell them that you will be putting up on trust pilot and Google that you have been sold a car for £31,000 which is an MOT failure. Ask them where your old car is at the moment? If they say that they have sold it then tell them that you want to know how much they sold it for. Keep us updated
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    • I've been helping an oap friend for many years with various matters.  He hasn't paid council tax for years and owes £10k to one council.  He's no longer in the uk. And probably won't ever return, due to health issues.  The property is empty.  Letters are regularly sent from bailiffs threatening to take his possessions.  What happens to council tax if he dies?  Does the debt get taken out of probate?  Or what happens if the property gets sold soon-ish - must the arrears get paid as part of the sale?
    • I have another vehicle with I can use to travel to work. I will prepare myself that's not a problem Hope this thread will read for plenty people and AVOID Bigworldmotor in future to avoid issues what unfortunately I have today..   Do you want me to attached on the email diagnostic report and MOT certificate ? Or print and drop tomorrow directly to the bigmotor      
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    • 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.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Lowell email received over 2016 bt and cap1 debts


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2 hours ago, anna may said:

if i didnt contact them would be sending bailiffs with a charge of 235 pounds added,

the txt did not say that at all read it PROPERLY....

the only way BAILIFFS can ever be involved and used is if lowells already have a Court CCJ judgement against you and they return to court to ASK a judge to send them.

dx

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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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hi word for word the message says

please contact us now on 03333201829 or an enforcement agent will visit you and a minimum fee of £235 {set by legislation} will be added to your balance quote re ++++++

that was sent on 20th feb,

i then checked on the register judgements and fines website to see if there were any ccjs but it was clear,i checked old address and my new adddress, 

will probably check again to see if there is anything 

thanks for your help 

 

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as long as all your old addresses are showing on your credit file. there can be no CCJ, backdoor or otherwise.

dx

 

  • Thanks 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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thanks dx

did i check the wrong thing ,

i havent checked any credit file as i have no credit at all not in well over 7 years now all bills are in my husbands name,

have joint building society account for our state pensions to go in thats it for me,

do not want any credit either at our age we just pay the bills when we get them

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then time to go do it

all 3 credit ref agencies are FREE.

TBH lowell dont usually screw up where CCJ's are concerned, they must of gotten one by the backdoor by using an old address you were sofa surfing at?, though it would still show on your file (for 6yrs only) and so would that address.

if its over 6yrs old and dropped off , no judge is gonna grant enforcement now.

and anyway as it would be a consumer debt, ther is no right of forced entry so bailiffs are useless..

go figure.

dx

  • Thanks 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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Share on other sites

thanks dx 

much appreciated as always 

sorry to keep asking stupid questions but would the register that i checked show the same information as credit files,

as for  when we were sofa surfing was not registered anywhere for anything we were very ill and to be honest lost the will to live literally 

 

 

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the issue with trustonline is you have to know the address used on the actual claimform else you will never find it, you cant just search by name.

thats where a credit file becomes useful, as if a ccj was registered somewhere in your name , then the address would automatically be added to your credit file under linked addresses.

although the CCJ itself vanishes from showing under credit file public judgements section after 6yrs, paid or not, the linked address would remain.

i really wouldn't fuss about this, unless you've comms where lowell directly state a ccj was awarded against you on (date).

now if they've given a CCJ number as well anywhere thats even more useful, as you can get details from northants bulk directly on the phone.

it could all just be someone else with the same name as you, but its unusual for them the write as well? was this before you sent the SB letter?

cause if it was, then they got your current address from your credit file, so some evidence of the judgement must be there. go look on the 3 credit file providers sites.

experian, equifax and i think credit kalma 

dx

 

  • Thanks 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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Posted (edited)

hi dx

thanks for the explanation much appreciated 

have not heard a peep from anyone since i sent SB letter april 2023  last year, no communication at all from lowell since we blocked their emails

i am on the electoral register for new address and my current address was on SB letter

just started getting random texts and now phone calls which state to be from marston which have been blocked and reported. 

 

i will keep you updated 

thank you again x

 

Edited by anna may
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It will take 5 minutes to register with Credit Karma, and if no CCJ is displayed it's likely that it's dropped off already. Although that doesn't mean that you don't still owe the money, there is no chance anyone will be able to enforce it.

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Did as advised no ccj at all is showing up also paid for trust online just to make sure and nothing there either

Thanks everyone for help and advice 

It is much appreciated xx

 

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