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    • I'm trying to work this out as I go along. The first thing to do is to think about this not as a car – but simply as a £value. This is especially so as you have said that it is not a rare BMW. This means that you could purchase another one and it would mean just the same to you. You bought the car for £16,000 – and presumably that was the value you gave to the insurance when you bought the policy – is that correct? If that is the value you gave to the insurer then on my understanding of these things, that is the maximum you would be entitled to claim. This is the amount you got so although you lost the car (£16,000), it was fully replaced by the payment of £16,000 – minus, of course, the excess – but that was part of the deal anyway. I've looked at the RAC website for the meaning of the various categories - https://www.rac.co.uk/drive/advice/buying-and-selling-guides/changes-to-insurance-write-off-categories/   I see that a Cat S means that there could be structural damage. Cat B means that the car must be broken for parts. You say you would like to get the car back because you consider that it can be repaired. Personally I think I would be very worried about this because if there has been one inspection which is rated it as a breaker and the second one rates it as having possible structural damage – but repairable – it seems to me that there is a huge risk involved. Supposing you got the car back and proceeded to repair it but in fact found that there was some structural distortion so that the geometry of the car made it difficult to drive. You would then have a real lemon on your hands – and of course you would have allowed a fair amount of money and trouble into getting it going. Apart from the fact that Hastings behaviour is all rather suspicious – I'm struggling to see what loss you have taken on this. You would have had to pay the excess anyway – in any event. You have now received £16,000 payment so you are in a zero-loss situation and you could simply go out and hunt around for another car for the same money. The only thing that I could see which could complicate matters is if you come back and tell us that in fact the car was a huge bargain and that it would cost you more than £16,000 to replace it. But in that case I would have to ask why did you only insure it for £16,000? The second complicating factor might be that in the four months that you had it, he spent a lot of money on improvements and you have managed to recover that. Maybe you could let us have your comments on this and also let me know if there is anything which I've misunderstood  
    • Well today is the 20th so let us know if you have had a disclosure by the end of the day.   Of course you can bring a claim for breach of statutory duty – but in order for it to be a small claim you would have to claim an amount in financial compensation. Luckily under the data protection laws you can claim for distress without having to prove any physical damage or economic loss. I happen to know that you have some experience of bringing a successful data protection claim in the past - which was settled quite advantageously out-of-court. If you want to bring a small claim then I would suggest that you would have to alleged the distress and claim for, say, £50 – but it is a bit early to do this. You certainly would have to send them a letter of claim and give them 14 days.
    • What is the name of the car dealership please – I think you have already been asked this. Also, didn't you record the call? You've been here since 2006 and our customer services guide has been around since almost that time. It is always going to be very difficult to get hold of a recording of a conversation which Incriminates the company that you are trying to retrieve it from.
    • Hi.   While we're waiting for the experts, can I ask a couple of questions please?   Can you tell us which documents you've returned to the police? I assume you've admitted to being the driver.   Are you saying you were never asked to produce your licence and insurance at a police station? I don't know if it's still called an HORT/1 but that's what I was given when I needed to show documentation.   I've put some numbering into your first post for the various points you've raised.   HB
    • 😮  £ 3551!!!!  she  needed loan for a headstone for her daughter and      a   car as hers  has had it
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MARTIN3030

Mass complaint ;Add your name here if a dca has acted incorrectly with your account.

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Thank you

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I've currently got 6 (I think?!) on the go at the moment, but two spring to mind. One is on a thread already with Scotcall. Debt was originally with Debt Managers, then Scotcall. CCA'd them and they wrote back to say CCA does not exist but please continue paying. Scotcall defaulted so payments stopped. Then I had letters threatening further action so sent an official complaint... they promptly sent it back to Debt Managers just after receiving it. In return I wrote back to DM to advise account in dispute and to return to Scotcall, plus wrote to Scotcall advising of outstanding complaint.

 

The other one is with BCW. They are also in default of a CCA request, and yesterday I had a letter from Graham Parker Bourne Solicitors advising of legal action, so sent them a bogoff letter, and sent an official complaint to BCW, plus phoned them (recorded call) to advise of their malpractice.

If anything further happens with this one I'll post a new thread with the full details. :-)


ftolad v. Lowell - Statute Barred letter - * WON *

ftolad v. Scotcall - CCA'd, no agreement - * WON *

ftolad v. Mac Hall:

Still ongoing, official complaints procedure requested - 14 days to comply before TS, OFT and FOS.

 

All thanks to advice from CAG. :)

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We are fed up of reading the stories about the Dcas who continually flout laws and principles and do not act responsibly.Following all your requests,you are invited to add your user name here together with the dca or firm of baliffs that you wish to complain about.Just add a few lines of your complaint.

Once we have a list we can then get something drafted to launch a bulk complaint to Consumer direct The FSO the others who are required to take up complaints.

hi im dee moorcroft have added a extra grand to my bill after i defaulted on payments to halifax spoke to halifax no help now moorcroft have threatended balifs if i dont pay 350 a month iwas only paying 50 amonth and missed two payments i dont know what to do

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Cabot Financial, particlarly the legal department headed by on Willem Wellinghoff.

 

This bunch are right now lieing by refusing to remove 2 defaults even though they are a) settled and b) past 6 years. and have added another 6 months onto the scentence "because we can".

 

ICO have told me that verbally the Default notice is when the date counts from, Cabot say "we say when it counts from". ICo will take 3 months to process the claim and no doubt find in my favour.

 

This bunch of decide what they want , when they want, and to pluto with the law

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Ramone you need to start your own thread about your situation and you will get help. Have you sent Moorcroft a CCA request? Have a good read around the site and you will see that these people can be defeated.


BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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We are fed up of reading the stories about the Dcas who continually flout laws and principles and do not act responsibly.Following all your requests,you are invited to add your user name here together with the dca or firm of baliffs that you wish to complain about.Just add a few lines of your complaint.

Once we have a list we can then get something drafted to launch a bulk complaint to Consumer direct The FSO the others who are required to take up complaints.

 

 

IstCredit - have committed an offence by not supplying copy of CCA as of last week.

- Have used intimidating calls and misleading letters.

- Have refused to work with 3rd party CCCS, and contacted me directly

- Requesting payment and telephone contact while account is in dispute, including suggesting I borrow money to pay

them off .

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IstCredit - have committed an offence by not supplying copy of CCA as of last week.

- Have used intimidating calls and misleading letters.

- Have refused to work with 3rd party CCCS, and contacted me directly

- Requesting payment and telephone contact while account is in dispute, including suggesting I borrow money to pay

them off .

 

veryweary can you bar their calls? this has worked for me ;) they tried ringing from another number but I barred that as well and then they gave up.

 

you may want to send them the telephone harrassment letter too :-

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/37006-harassment-telephone-response-letter.html

 

 

 

Love SG x


Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

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Wescot Credit Services acting on behalf of British Gas. BG were trying to charge me for a period that I was before I moved into the property. I was able to prove this so BG sent me a letter on 18th Dec 2007 saying that I don't owe anything and they apologised for the inconvenience.

 

However, I'm still receiving a threatening letter EVERY month since then from Wescot even though I've asked them to update their records!!

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moorcroft threatened loss of home and balifs if i did not pay 50 a week only payin 50 a month to halifax missed a payment straight to moorcroft and major harrassment and dont go there with equita missed a payment now got balifs on doorstop dart go to work as there sid there could just come in and get me stuff

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moorcroft threatened loss of home and balifs if i did not pay 50 a week only payin 50 a month to halifax missed a payment straight to moorcroft and major harrassment and dont go there with equita missed a payment now got balifs on doorstop dart go to work as there sid there could just come in and get me stuff

 

 

Hi again Ramone :)

 

Please do start your own thread about this situation so we can help you out all we can.

 

Go here :-

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/

 

and then click on "new thread" to start your own.

 

Love SG x


Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

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NCO threatening/rude phone calls when debt is in dispute after they failed to supply CCA.

Cap 1 calling me a thief on the phone when I had failed to pay them £10. min payment for two months running.

Credit Security Limited on behalf of Wescot C.S.L lying saying they had sent a agent to our address several times & left calling cards. They had never been to our property & left calling cards, Lying to try & scare people,

Bryan Carter, Phone harassment, suing for his fee's only.


For attractive lips, speak words of kindness. For lovely eyes, seek out the good in people. For a slim figure, share your food with the hungry. For poise, walk with the knowledge that you never walk alone. People, even more than things, have to be restored, renewed, revived, reclaimed, and redeemed; never throw out anyone. Remember, if you ever need a helping hand, you will find one at the end of each of your arms. As you grow older, you will discover that you have two hands; one for helping yourself, and the other for helping others. :)

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NCO are notorious with the threatening phone calls Questioning. Did you send the telephone harassment letter to them?

 

Just ask them if they are recording the call first, then say "good, that means I can ask for a transcript of the call then". If they persist with the telephone calls after the harassment letter, then record them and get TS involved - they are a particularly nasty bunch from what I've heard.

 

As for the rest, well tbh nothing surprises me now after the telephone calls I got from Capquest in my pre-CAG days ;)

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Hi,

Brassed off,

Unfortunately when alot of this happened I knew nothing of my rights, any thing I did know I thought as a debter I could do nothing about it any way.

The being called 'a thief' was terrible, the man at CAP 1 went on & on, I was on my way to collect kids from school & I remember walking up the road crying.

I didn't realise that I could claim penalty charges back whilst owing the bank money either

Sad I know,

Found this site by chance recently and became enlightened very quickly.

Knowledge is power and what ever happens now at least I am ready for it.

Thanks to every one here.

I think its safe to say we have all been injured one way or another by these heartless B.......

Thanks for this thread, GR8 idea.

 

Oh meant to add NCO are very nasty, don't play by the rules and if any of them are reading this, follow through with your idle threats to come to the house, My dog & I are waiting for you.

I'm not so sad & pathetic any more, thanks to every one, I'll chill out now :lol:

Edited by questioning

For attractive lips, speak words of kindness. For lovely eyes, seek out the good in people. For a slim figure, share your food with the hungry. For poise, walk with the knowledge that you never walk alone. People, even more than things, have to be restored, renewed, revived, reclaimed, and redeemed; never throw out anyone. Remember, if you ever need a helping hand, you will find one at the end of each of your arms. As you grow older, you will discover that you have two hands; one for helping yourself, and the other for helping others. :)

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Hi,

Brassed off,

Unfortunately when alot of this happened I knew nothing of my rights, any thing I did know I thought as a debter I could do nothing about it any way.

The being called 'a thief' was terrible, the man at CAP 1 went on & on, I was on my way to collect kids from school & I remember walking up the road crying.

I didn't realise that I could claim penalty charges back whilst owing the bank money either

Sad I know,

Found this site by chance recently and became enlightened very quickly.

Knowledge is power and what ever happens now at least I am ready for it.

Thanks to every one here.

I think its safe to say we have all been injured one way or another by these heartless B.......

Thanks for this thread, GR8 idea.

 

Oh meant to add NCO are very nasty, don't play by the rules and if any of them are reading this, follow through with your idle threats to come to the house, My dog & I are waiting for you.

I'm not so sad & pathetic any more, thanks to every one, I'll chill out now :lol:

 

I can totally relate to how you felt Q, I remember all the threatening phone calls and the crying and sleepless nights but hey, you now realise what a lifeline CAG really is :D

 

Ooooo, come on DCAs, ring me now - if you dare :o

 

PS Q - I have a big dog too :lol:

  • Haha 1

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Thanks for the "tickle" (rep) whoever you are :D

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Moorcrap

-none compliance to a CCA request, telephone harassment, threatening doorstep visits and bailiffs without a court order

 

MCS

-calling up to 10 times a day, ignoring telephone harassment letters and pay full balance within 24hours

 

DG solicitors

-none compliance to a CCA request (application form), threatening court action when account is in dispute, threatening charging order when i don't have any assets, telephone harassment when been told not to contact on a mobile number i haven't given them and suggesting getting a loan to pay

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HFO services

non compliance with cca, constant calls dispite request on phone and by letter for it to stop and everything in writing, threatening to send bailiffs around to see my pregnant wife while i was at work, their words ' she will give in easier and there is nothing you can do' . made two seperate complaints to Surrey police and have crime numbers, also told on the phone that they did not 'do' cca as they were not affiliated and did not have to answer to that company. at one point called 39 times in 4 days.

these people at HFO are nasty evil people with no regard for rights or law, all this i have endured and still am over a debt that does not exist, they only have my mobile they dont know my address of home number.

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Regal Credit Consultants, they sent a letter addressed to "The Occupier" and followed that with a fax addressed to me but sent to a previous employer.

 

Cabot, they have no CCA or CCJ, but I have today received a letter threatening one of the following:- Warrant of Execution or Charging Order or Attachment of Earnings or Order to Obtain Information and lastly an External Debt Collection or Legal Agency.


Don't know if i'm coming or going!

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Cabot, they have no CCA or CCJ, but I have today received a letter threatening one of the following:- Warrant of Execution or Charging Order or Attachment of Earnings or Order to Obtain Information and lastly an External Debt Collection or Legal Agency.

 

Naughty naughty

 

report them to trading standards, oft and fos shouldn't be sending letters like that

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Student loan buggers still after me....still refuing to give names or where they got my parents telephone no. from....still calling at house whereing white shirts and black trousers....suspect they may also be officially employed as 'DA POLICE/ **** PEASE' or browncoats or something!!!

 

More recently automated telephone answer messages 5-6 times a day!!! Still on verge of suicide with that and everything else that I'm not allowed to post!!! Probably end in violence again!!!!

 

Please PM me if anybody can help?!!!????

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Phoenix Recoveries (using Marlin Financial Services to collect)

 

They bought a HFC Marbles card debt of about £2.5k and are sending letters and ringing constantly to tell me about how they are really good at getting charging orders. I cannot tell if it is an empty threat so far.

 

I CCA'd them and they have banked the cheque but so far ignored the request. Their monkeys are very badly trained and seem only able to read from a self righteous script about how only useless people get into debt.

 

They seem to think that CCA requests are nothing to do with them and said they have no intention of sending me any details....oh really?! :mad:

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Wescot have been chasing hubby for debt without CCA.

Clarity have been chasing debt without CCA, making harrassing phone calls even though the telephony harrassment letter was sent and not writing as requested. Even though their time is up, they still keep ringing.

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Moorcroft, Wescot, Red Collections

Wescot especially - how much (although red) are their letters like court letters (or is that just me?)

Hate every single one of them!

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Bryan Carter - Apparently they have stuck a CCJ on me, through Northampton Court. I didn't even know about this till I checked my file on Experian. Have no knowledge at all of what this is about, and it is showing against my previous address! I have to read up on this later.

 

C L Finance - another amount mystery appearing on my credit file from God knows where! I have written to ask for information on this, but no reply from them yet!

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Moto

 

CL Finance are a debt purchase company - they have bought an old debt form someone

 

If Bryan Carter have obtained a CCJ you need to be careful. When they find out where you live they will be able to ask the court to send round the bailiff straight away. You can only ask the court for the debt to be set aside if you beleive it to be wrong, though you could ask the court for time to pay. There is no point in asking for a copy of the credit agreement now that they have judgement. Of course they could probably trace your address through Experian anyway, as they are clearly linked now. Just be prepared!

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Robinson Way - account in dispute after CCA but I'm still receiving threat-o-grams. Also Egg, account in dispute after CCA they have passed it to CDUK for collection

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