Jump to content


  • Tweets

  • Posts

  • 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
      • 162 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

PRA PAPLOC - old Barclaycard Default debt


Recommended Posts

Hi all, 

I defaulted on a Barclaycard a few months ago. 

Account was passed/sold to PRA Group, who've sent the occasional chaser letter. 

Today I received a Letter Before Claim.  Redacted scan attached. 

In the envelope there was also a "statement" and an Income & Expenditure form - copy attached. 

As background - the credit card defaulted after I missed a couple of payments due to the increasing cost of living.  Once I was behind it was very difficult to catch up.  Stupidly I made a payment just before the default, which reduced the balance but they had already cancelled the card so I just thought "sod it" and left it to default. 

It's been a few years since I had a default so I'm not sure what the current position is regarding that, but more pressing is this LBC. 

The letter says to complete their form if I want a copy of the Credit Agreement. Should I do it that way or should I write separately? 

Advice appreciated gang - thanks in advance.

 

 

2024-06-19 PRA PAPLOC.pdf

Well 6 years on and most of the defaults have disappeared, thank you CAG for a

ll your help

Link to post
Share on other sites

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 OTHERS

 

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

Posted (edited)

Thanks Andy, 

Just need guidance on which boxes (i.e am I disputing the debt, if so why) etc. 

Also, do we still need to pay £1 for the copy of the CCA, or can I request it as part of sending in the reply form?

Cheers

Edited by bradfordlad
adding something

Well 6 years on and most of the defaults have disappeared, thank you CAG for a

ll your help

Link to post
Share on other sites

Still requires payment Isn't it all explained in my link ?

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 OTHERS

 

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

follow post 2 after hitting letter of claim

thread title updated and moved to BC forum

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

  • dx100uk changed the title to PRA PAPLOC - old Barclaycard Default debt

Yes sory Andy, just wasnt sure if that was the up to date position, given there's no charge for SAR's these days. 

  • Like 1

Well 6 years on and most of the defaults have disappeared, thank you CAG for a

ll your help

Link to post
Share on other sites

Sorry guys, on the reply form - what reason do I put that I'm disputing the debt?  Thanks!

Well 6 years on and most of the defaults have disappeared, thank you CAG for a

ll your help

Link to post
Share on other sites

There isn't one. Use the default one we suggest in post 2 there

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

Sorry, I'm confusing everyone!  I'm ok with the CCA request, I'm referring to the Reply Form mentioned here:  

 

box D tick

 

I dispute this debt because..recommended reason as advised from your thread and add the debt purchaser has yet to provide any or all of the required documentation.


We haven't got as far as recommending a reason to dispute the claim!  I wasn't sure whether to put "....because I need to see the CCA" or something along those lines.

Well 6 years on and most of the defaults have disappeared, thank you CAG for a

ll your help

Link to post
Share on other sites

8 minutes ago, bradfordlad said:

the debt purchaser has yet to provide any or all of the required documentation.

Why do you always get so confused on things all other members sail through following... 

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

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...