Jump to content


  • Tweets

  • Posts

    • 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.
    • Fraudsters are increasingly using AI, but are people taking the problem seriously enough?View the full article
    • clarks are just like the rest of 'em. couldn't careless, your advantage here is it's not legally your car, the finance co. should be bought into play . as i think BF eluded too , or has in other threads, if dealer/finance co. dont sort it between themselves FOC to you, another option is to get it fixed then bill both for it, if they refuse, then a court claim is very simple and cheap option to recoup your losses. see where it goes. just musing. dx
    • Thanks for that. Much appreciated. I would have assumed they would have had contacts to do such work as well. I think it's just the general rubbish attitude from Arnold Clark as the amount of times the General Manager of the place was rude or kept referring to "it would have to come out of my margin" to fix issues. Like it was my fault. Oh well - Won't be buying anything from them again.
  • 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

PRA and old Barclaycard debt not used/heard of in years - SB'd?


Yorky55
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 103 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

Hy, Not sure if this is right place for this;

Advice  and fact needed please.

1] My understanding is, if you believe that you haven't contacted or  made payment for at least 6 years, then you can argue, Statute Barred, just reciveing a letter or statement, from Debt Collector, does not make it a enforceable debt, especially if you have no claimed it ever was.

2] No court [CCJ] or legal threat letters received

3] Out of blue, letter received, not even my proper address, stating if a one off final payment is made, then debt closed! 

But I dont recall debt and have not made contact with in the 6 years.

I dont think writing to them making acknowledgement of any kind is a good idea, as that then would suggest you know of the debt and your 6 years would be restarted.

What is the best course of action!

 

many thanks

 

 

Link to post
Share on other sites

If you've got a letter saying the "debt" is closed just file it and forget about it.

Don't enter into silly letter tennis if you don't have to. They're likely phishing for a response.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Who is the mysterious DCA?

 

Check your credit file too.

And don't respond to a powerless DCA, you'll give them delusions of grandeur!

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

why do you always make such obscure posts? speak ENGLISH..

if a debt is statute barred, send them our SB letter.

you cannot unbar a debt if it's already SB'd by doing that..not even a judge can unbar a debt.

:noidea:

however if the address they are using for you is not correct or current, i'e you RAN AWAY from the debt and never updated ANY original Creditor nor latterly the DCA/debt buyer you have moved IN WRITING.

you stand a very big chance of a backdoor CCJ even if the debt IS SB'd.

remember northants bulk is a ROBOCLAIM Court, everything is automated. no human checks anything. just gets rubberstamped as default judgement if you don't defend it.

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

hy,

sorry I get so  scrambled with posts.

I still got the letter and enclosure its just they got part of the address wrong, haven't moved away, been here for quite a few years

PRA Group Letter 1 - says they recently sold the Barclays A/c debt to PRA Group UK Portfolios Ltd and is owned now  by them.

They are now data controllers of my personal  data for the a/c.

It has amount owed, who I owed to, agreement date Nov 2002.

In same envelope was;

Letter 2, providing a statement of my a/c,  Transaction breakdown available upon request. further information about original credit agreement. Debt is approx 4,300.00+ 

Then repayment solution , if I pay £879.55 full and final settlement to settle the debt. but has to be paid by 21/2/2024.

then about 7 pages of info about Data protection info notice

A lot has happened over last 10 years, especially the last few, nearly 64 now, had to give up work to be a full time family member carer. 

I cant seem to find much or if any info relating to this debt, 

I cant find any letters to say I contacted them with any info or payments offers.

what would the best option for me to proceed, please.

As i only get carers allowance and very little income, they wont get much out of me anyway.

any advice is better than none,

so sorry, Bazooka Boo, lolerz, its such a nightmare time at moment caught up with flooding and burst pipes, sorting travelling and caring full time  for my brother.

-PRA Group transferred my original debt, Barclays to PRA Group UK Portfolios Ltd.

reply to lolerz - sorry no letter from them or anyone who said debt is closed

reply to Bazooka Boo, well they are asking me to respond 

I can not recall ever responding to them ,have some boxes in attic, which are about 8 to 10 years old, will see if I can find anything.

they have given me a statement, a/c summary  and agreement date Nov 2002, which  I assume is when I did a credit agreement, but so long ago now.

I just need to get on top of it and know how to tackle it best.

Link to post
Share on other sites

  • dx100uk changed the title to PRA and old Barclays debt not used/heard of in years - SB'd?

credit card

loan

or OD Bank Account?

 

 

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

  • dx100uk changed the title to PRA and old Barclaycard debt not used/heard of in years - SB'd?

if you have not used or paid in 6yrs 

send PRA our SB letter from the debt collection section of our library.

nail then in their box.

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

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...