Jump to content
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


  • Tweets

  • Posts

    • notodebt
      SJP letter from courts - Car tax fine

      By notodebt · Posted

      Thanks DX , true I was reading it as my own licence when I can now see it is the VED thanks for the clarification. As for the payments that does make sense and I will give them a call today. I have to watch the date as I have 21 days from the 29th May to respond to plea of guilty or not.
    • Colosseo
      IDR letter re supposed debt to CBQ - scotland

      By Colosseo · Posted

      This is the latest response from IDR. I know exactly what has happened - I left Qatar in 2006 leaving behind card debt of QAR13,000 (unintentionally, I thought it was paid off). When I visited Qatar for a weekend in 2012, I was blocked from leaving the country - ended up having to go to the Court, met with the bank and negitiated a settlement  - they wanted about QAR90,000 in total and supposedly agreed on QAR40,000 to settle completely. Unfortunately, I only have a pay-in receipt for that and no confirmation the whole debt was settled: I was so focussed on getting the exit ban lifted. Anyway, I left and I have visited Qatar since then with no issue. My concern is that the statute of limitations  will run from 2012, rather than 2006. Should I continue to ignore or explain to IDR that I don't agree there is an exisiting debt? IDR 10062024 redacted.pdf
    • NewsBot
      dbgmarkets-ink.com (Clone of FCA Authorised Firm)

      By NewsBot · Posted

      Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • dx100uk
      SJP letter from courts - Car tax fine

      By dx100uk · Posted

      as with some of your threads in the past. you are not reading things carefully and understanding things properly by going off on assumptions. not sure where you are getting your driving licence is being revoked from? nowhere do they use that word. nothing to do with it. vehicle excise licence. (Road Tax), a VEL cannot be revoked only voided. you are also wrong and nowhere does the DVLA state they cancelled the DD.  the court summons clearly states in the DVLA statement: it was your cancelling/reclaim of the DD on 15-02-2024 that caused this, NOTHING to do with the DVLA, they did not revoke the VEL. as they received no payment, on 02.05.2024 the VEL was Voided. it appears you have got the new DD setup wrong to the wrong DVLA account/ref number/VEL number. they have not received the payments to the correct VEL. i would be ringing DVLA and finding out where these payments are on their system and get them attributed to the correct VEL. that should solve the problem.
    • NewsBot
      PrettyLittleThing faces backlash after scrapping free returns

      By NewsBot · Posted

      Its UK customers must now pay £1.99 to return clothes, with the cost deducted from their refund.View the full article

  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.

      BankFodder posted a topic in Vehicle retailers and manufacturers,

      If you are buying a used car – you need to read this survival guide.
      • 1 reply
      BankFodder

      Picked By

      BankFodder,

    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      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
      BankFodder

      Picked By

      BankFodder,

    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
      WanTToMoveOn

      Picked By

      WanTToMoveOn,

    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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
      BankFodder

      Picked By

      BankFodder,
    View All

  • Recommended Topics

Twitter X - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Ruthbridge Ltd & Hillesden Securities

LAN01

By LAN01
in Debt Collection Agencies

 Share
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6199 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

LAN01

LAN01

Posted
Posted

I sent a CCA request on the 21/3/07 to Ruthbridge Ltd after receiving a letter headed Notice before proceedings. On the 16/4/07 they sent me another letter and attached to this was a computer print out with a customer number and agreement ref number and a list of transactions. Definately no true copy of an agreement etc. So I sat patiently waiting for the 42 day deadline.

 

In the meantime I received my cr files and noticed that I have a default on one of my files regarding this debt but it was made by Hillesden Securities so I sent off a CCA to them with a view to if they cannot produce the agreement I would then push to have the default removed from my cr file.

Hillesden have acknowledge my letter and have stated they will contact their client for a copy of the orginal agreement and when this becomes available they will forward it to me. Secondly if they are unable for forwad a copy of the orignal they will supply a true copy of the document which will comply with section 78 of the consumer credit act 1974.

 

Today I have received another letter from Ruthbridge which says:

 

WITHOUT PREJUDICE

 

They are no longer prepared to correspond with me further regarding this matter and will be advising their client, no later than 18/5/07 to issue a petition for my bankruptcy etc etc.

 

However as a final opportunity to avoid legal proceedings they are prepared to accept a lump sum as full and final settlement and as an added incentive will mark my cr file as 'satisfied'

 

My questions are:

 

1. Can 2 dca's chase the same debt?

 

2. Ruthbridge will have committed an offence on Friday so what do I do next?

 

3. Who acutally owns the debt Hillesden or Ruthbridge?

 

The orginal debt was for Welcome finance back in 2002 and due a long term illnesss and losing my job as a result I was unable to continue payments.

 

 

Any help with this will be gratefully appreciated.

 

Lan

No one can make you feel inferior without your consent :)

Link to post
Share on other sites
tiglet

tiglet

Posted
Posted
I sent a CCA request on the 21/3/07 to Ruthbridge Ltd after receiving a letter headed Notice before proceedings. On the 16/4/07 they sent me another letter and attached to this was a computer print out with a customer number and agreement ref number and a list of transactions. Definately no true copy of an agreement etc. So I sat patiently waiting for the 42 day deadline.

 

In the meantime I received my cr files and noticed that I have a default on one of my files regarding this debt but it was made by Hillesden Securities so I sent off a CCA to them with a view to if they cannot produce the agreement I would then push to have the default removed from my cr file.

Hillesden have acknowledge my letter and have stated they will contact their client for a copy of the orginal agreement and when this becomes available they will forward it to me. Secondly if they are unable for forwad a copy of the orignal they will supply a true copy of the document which will comply with section 78 of the consumer credit act 1974.

 

Today I have received another letter from Ruthbridge which says:

 

WITHOUT PREJUDICE

 

They are no longer prepared to correspond with me further regarding this matter and will be advising their client, no later than 18/5/07 to issue a petition for my bankruptcy etc etc.

 

However as a final opportunity to avoid legal proceedings they are prepared to accept a lump sum as full and final settlement and as an added incentive will mark my cr file as 'satisfied'

 

My questions are:

 

1. Can 2 dca's chase the same debt?

 

2. Ruthbridge will have committed an offence on Friday so what do I do next?

 

3. Who acutally owns the debt Hillesden or Ruthbridge?

 

The orginal debt was for Welcome finance back in 2002 and due a long term illnesss and losing my job as a result I was unable to continue payments.

 

 

Any help with this will be gratefully appreciated.

 

Lan

 

1. No, they can't - it's against OFT guidelines. Report them.

 

2. They've already been naughty by pursuing you for the debt while not producing the CCA - again, agaisnt OFt guidelines, again - report them.

 

3. Absolutely no idea - it's very difficult to say under these circumstances. Contact your local TS and see if they can help you to get to the bottom of it.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

Link to post
Share on other sites
LAN01

LAN01

Posted
  • Author
Posted

Thanks Tiglet I thought as much but just wanted to hear it from someone else :)

 

Is there a letter that I send to Ruthbridge re their non-compliance and offence and to notify that they are to remove my details etc from their records?

 

Lan

No one can make you feel inferior without your consent :)

Link to post
Share on other sites
LAN01

LAN01

Posted
  • Author
Posted

I can't find the letter I am looking for, can someone point me in the right direction.

 

I am looking for the letter to send to a dca who has failed to provide me my CCA request.

 

Thanks

No one can make you feel inferior without your consent :)

Link to post
Share on other sites
tiglet

tiglet

Posted
Posted

I can't find it, so amend this:

 

Your address

Their address

Date

Dear Sir/Madam

Re: − Reference Number xxxx

With reference to my letter dated xx/xx/xxwhich was delivered via recorded delivery to your offices on xx/xx/xx.

In my letter, I made a formal request for a copy of the signed, executed credit agreement for the above numbered xxx account under section 77(1) and section 78(1) of the Consumer Credit Act. In addition, a statement of my account should have been sent along with any other document mentioned in the credit agreement.

The Consumer Credit Act allows 12 working days for this request to be carried out before your company enter into a default situation. If the request is not satisfied after a further 30 calendar days, your company commit an offence. These time limits expired on xx/xx/xx and xx/xx/xx respectively.

As you are no doubt aware subsection (6) states:

“If the creditor under an agreement fails to comply with subsection (1)—

(a) He is not entitled, while the default continues, to enforce the agreement; and

(b) If the default continues for one month he commits an offence. “

Therefore as at xx/xx/xx this account became unenforceable at law and it is now my intention to refer this matter to the enforcement authorities should I not receive a satisfactory response within seven days.

Any default notices or adverse comments your company have recorded on my credit reference file should be immediately removed.

Failure to respond favourably to this letter within seven days of receipt will result in immediate litigation being commenced against your company without further notice.

I await your rapid response.

Yours faithfully

Name

  • Haha 1

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

Link to post
Share on other sites
tiglet

tiglet

Posted
Posted

No probs - let me know how you get on.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

Link to post
Share on other sites
LAN01

LAN01

Posted
  • Author
Posted

I have received from Hillesden a copy of the credit agreement requested in my CCA request last week. Now Hillesden have not attempted to request payments, I have had no correspondence from them whatsoever. I only sent the CCA request as they had a default on my cr file.

 

I have been hounded by Ruthbridge for the said debt and threatening bankruptcy proceedings if I don't pay up. They have defaulted on the CCA request and on Friday will have committed an offence.

 

Where do I stand now?

 

1. Hillesden have provided the agreement but there is no terms and conditions.

 

2. They have never chased me for the debt only put a default on my cr file.

 

3 Ruthbridge haven't supplied anything and are still chasing me for payment.

 

Any suggestions?

 

Lan

No one can make you feel inferior without your consent :)

Link to post
Share on other sites
tiglet

tiglet

Posted
Posted

Are you sure it is a complete CCA? The fact that they have not provided T&C's sounds a bit dodgy to me. The fact Ruthbridge haven't provided one means that once they default they cannot then hound you for the debt until they provide it. Let them default for the further 30 calendar days before you report them.

 

Check that it isn't an application form, is signed by both parties and has all prescribed terms etc on. Alternatively, scan it in, removing all identifying features (your name, address, DOB etc) and we can have a look at it for you on here.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

Link to post
Share on other sites
LAN01

LAN01

Posted
  • Author
Posted

Hi Tiglet

 

It is definately part of a Credit Agreement but refers to terms and conditions "over the page" (which have not been included), from what I can see but I will scan it and post later on tonight as I have to go to work shortly.

 

The debt is from 2002 and with Welcome Finance, Ruthbridge are already in default and the further 30 days is up on Friday (criminal offence commited so will be reported). At the moment Ruthbridge are the least of my worries, I just want to know who owns the debt Hillesden or Ruthbridge as surely they both can't!!

 

Both Ruthbridge and Hillesden refer to "their clients Welcome Finance" in their letters. I was of the understanding that only one dca was allowed to collect an alledged debt, because Hillesden say they are acting on behalf of Welcome Finance do they have the right to put a default notice on my cr file? Also if Ruthbridge are trying to collect why do Hillesden still have access to my info? Is this too not right and what can I do about this?

No one can make you feel inferior without your consent :)

Link to post
Share on other sites
tiglet

tiglet

Posted
Posted

Oh, I so sound like a stuck record on this forum :) . Report welcome finance to the OFT as you are right, they should not be using two DCA's for one account. However, it is possible that one of the DCA's is employing another DCA, so you may want to call them both and double check exactly who their client is.

 

It gets very confusing in their murky world, doesn't it?

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

Link to post
Share on other sites
LAN01

LAN01

Posted
  • Author
Posted

Very confusing, I knew this wasn't going to be easy, but for heavens sake the left hand doens't seem to know what the right hand is doing with these lot!! I will contact them both in writing as they don't have my telephone number and I don't want them to start harrassing me over the phone at this stage! I have searched the internet and haven't found a connection between the 2 companies, but I will certainly be demanding to know what is what!!

No one can make you feel inferior without your consent :)

Link to post
Share on other sites
Sparkie1723

Sparkie1723

Posted
Posted

This agreement does not comply with Sectin 60 2 (b)of the COnsumer Credit Act Form & content of agreements...which says must contain certain requirements to ensure that specified information is clearly brought to the attention of the debtor or hirer, and that one part of a document is not given insufficient or excessive prominence compared with another.

e.g the interst rate staes APR (big letters) but the mention that this can be varied is in the small print ( variation in accordance with clause b overleaf) this does not comply with that section.

the loan agreemnet should also state VERY cleary that it is a variale rate interest loan agreement and stated in the top section of the agreement (header). This is not a lawful agreement, it is full of holes.

 

sparkie1723

  • Haha 1
Link to post
Share on other sites
tiglet

tiglet

Posted
Posted

I absolutely agree - the fact they did not provide the otehrs items they should have is a problem for them too.

 

Sorry, drinking wine - too stressed - will post in full tomorrow, no doubt with a splitting headache.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

Link to post
Share on other sites
tiglet

tiglet

Posted
Posted

Whiskey - it will cure whatever ales you.

 

If it's flu, heat some lemon 7 honey and then add it to the whisky.

 

Not as mad as it sounds - honey has antiseptic properties and lemon has vitamin C.

 

Whiskey will help you sleep!

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

Link to post
Share on other sites
LAN01

LAN01

Posted
  • Author
Posted

Well I feel sooo much better this morning and I am ready to start fighting these idiots all the way!!

No one can make you feel inferior without your consent :)

Link to post
Share on other sites
LAN01

LAN01

Posted
  • Author
Posted

Hi Tiglet and Sparkie

 

could you give me your thoughts on the above credit agreement sent by Hillesdens. I would like to get my facts right before I contact them again.

 

Cheers for all your help to date.

 

Lan

No one can make you feel inferior without your consent :)

Link to post
Share on other sites
 Share
Go to topic listing

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...