Jump to content


  • Tweets

  • Posts

    • so the debt is statute barred then more than 6yrs since your last payment?  
    • what is an OCA letter? you follow post 2 as stated. dx    
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .. get a CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
    • Which Court have you received the claim from ? Civil National Business Centre, Northampton Name of the Claimant ? CA Auto Finance UK Limited How many defendant's  joint or self ? One (self) Date of issue –  02 May 2024 Particulars of Claim What is the claim for – Unpaid car loan 1. By an agreement in writing dated 26 November 2015 and made between the Claimant and the Defendant, the Claimant loaned the Defendant a sum of money. The agreement was Regulated. 2. The Defendant failed to make payment of the sums due and the Agreement was terminated by the Claimant. 3. On the 7 February 2019 the balance due from the Defendant was £8,196,38. The Defendant has paid £0.00.       THE CLAIMANT THEREFORE CLAIMS  1. £8,196,38 2. Contractual interest to the date hereof £0.00 3. Further interest at 10.70 per annum (£0.00) per day until judgement or sooner payment. 4. Costs to be assessed. CLAIMANTS CLAIM £8,196.38                                         What is the total value of the claim? £8751.38 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Car Loan When did you enter into the original agreement before or after April 2007 ? After Do you recall how you entered into the agreement...On line /In branch/By post ? In Branch Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Original Creditor was FCA Automotive Services UK Limited Were you aware the account had been assigned – did you receive a Notice of Assignment? No and No Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No Why did you cease payments? Unaffordable What was the date of your last payment? Feb 28 2018 Was there a dispute with the original creditor that remains unresolved? Yes (irresponsible lending and they did not supply all documents when CCA sent. The Terms and Conditions they sent as part of the request were different to the original Ts and Cs. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No
  • 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 
        • 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

Victorian Plumbing or Labourer issue - how can we resolve this


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 247 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

Okay. Come back here when that part is sorted out. If it goes to court you will need to produce an invoice and a receipt for the money and may be evidence of payment.
Of course it will need to predate your letter of claim

Link to post
Share on other sites

  • 1 month later...

Hi. We’ve made payment to the bathroom fitters and have an email from them confirming we have paid (along with our bank statement). Please could you advise what the next step is. Thanks 

 

 

Link to post
Share on other sites

Now is the time to send a letter of claim to Victoria plumbing.

Post a draft of it here before you send it off.
Be absolutely certain that after you have given 14 days, day 15 you will have to click it off and begin the court action.

You will be claiming whatever sum of money you have incurred in excess of the original expected cost of the bath and its installation.
I understand that you are out of pocket by £400 and so that will be the value of the claim.

 

Link to post
Share on other sites

no template but numerous threads here and in the building trade and or the postal forum.

 

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...

Apologies that this has taken so long.  I've attached my letter for you to check over.  I'll be sending the invoice and evidence of payment too as mentioned in my letter. 

I appreciate all your help with this.

Thanks 

 

NAME AND ADDRESS HERE

 

Victorian Plumbing

(address)

 

Date

 

Dear Victorian Plumbing,

 

Letter before Claim: reimbursement of out of pocket costs due to faulty item

 

Order: xxxxx

 

Further to correspondence via email, this letter serves as a formal demand for payment of £200 for additional labour costs in replacing the faulty bath sent to us by your company on 09.01.2023.

 

We purchased the bath from Victorian Plumbing on 02.01.2023.  On initial inspection the bath appeared to have no obvious faults.  Once fitted, it was evident that the bath sloped towards the edge and resulted in pooling of water.  After sending video’s and pictures to Victorian Plumbing, you advised that this was indeed a manufacturing fault and the price of the bath was refunded.  We sourced a replacement bath, however, we are out of pocket for the cost of fitting the replacement bath (1 day labour cost at £200). I have attached a copy of the invoice received and confirmation that this payment has been made (via a screenshot from our bank statement). We are seeking a full refund of this payment.

 

I refer you to the Practice Direction on pre-action conduct under the Civil Procedure Rules, and in particular to paragraphs 13-16 which set out the sanctions the court may impose if you fail to comply with the Practice Direction

 

As per my legal rights, I expect to receive a response to this complaint within 14 days, confirming that a full refund of my out of pocket expenses will be made.  Should I not receive a response to my letter within this timeframe then I anticipate that court action will be commenced with no further reference to you. 

 

Yours faithfully

 

 

XX

 

 

 

Link to post
Share on other sites

I hope you that you appreciate that when you leave such a long gap between posts, then we have to work extra hard to go through the thread and to remind ourselves of what has happened.

This is generally speaking because we are so involved dealing with other people who engage with this thread  rather more fully, that we tend to feel that you have probably given up.

Please do remember that we are helping you free of charge and any money that you recover is yours to keep.

I think that it is 3 months since you last posted and then disappeared

The letter of claim looks fine except that you end up simply saying that you anticipate that you will bring a claim.

Truly doesn't sound very certain. If you are going to bring a claim at the end of 14 days then say so. Don't give anybody the idea that you might bring a claim but you haven't fully decided yet.

If you really still aren't certain about whether or not you will bring a claim on day 15 then don't send this letter.

  • Like 1
Link to post
Share on other sites

Thank you and apologies for the delay (I’ve had a lot going on and haven’t been able to focus on this). I appreciate your help. I’ll send the revised letter confirming I will take to court. 
 

many thanks 

Edited by kerrypops
  • Like 1
Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...