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    • once a debt is sb'd nothing not even a judge can unbar it no harm in talking to BC at all. they are nothing to do with the claim they sold the debt in .........see NOA letter    
    • Here are the Particulars of Claim   Name of the Claimant ? Hoist Finance UK Holdings Limited   date of claim - 30th January 2020   Date  to acknowledge) = 17/02/2020   date to submit defence = 02/03/2020    Particulars of Claim   1. The claim is for the sum of £7939.36 arising from the defendants breach of a regulated consumer credit agreement referenced Under no xxxx926xxxxxx03   2. The defendant has failed to remedy the breach in accordance with a Default Notice issued pursuant to ss.87(1) and 88 of the Consumer Credit Act 1974.   3.The Claimant claims the sums due from the Defendant following the legal assignment of the agreement from Hoist Portfolio Holding 2 Ltd(Ex Barclaycard) Written notice of the assignment has been given.   4.The Claimant claims 1. The sum of £7939.36 2. Costs   What is the total value of the claim? £8449.00   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes dated 02092019   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Not sure   Did you inform the claimant of your change of address?Not sure Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card.   When did you enter into the original agreement before or after April 2007 ?  After April 2007 actually August 2007   Do you recall how you entered into the agreement...On line /In branch/By post ? Can't recall   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ?No idea   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. Claim issued by Hoist, so assigned.   Were you aware the account had been assigned – did you receive a Notice of Assignment? Howard Cohen solicitors says yes. I say no   Did you receive a Default Notice from the original creditor? Not to my knowledge   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? Costly divorce and failed small business   What was the date of your last payment? Over 6 yeras ago I believe   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Spoke to them many years ago   Will get on with CCA and CPR tomorrow.   Is there a danger that if he attempts to call BC he could take it out of staute barred?  I will have to contact him Spain so need to advise him what not to say.
    • DX ,thanks for spacing post BankFodder,  sorry, point taken,   FS
    • defence due by 4pm Monday 2nd   has he...   .  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 £1PO blank 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/ . . type your name ONLY no need to sign anything . you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]   get him to ring BC ask last payment date tomorrow.    
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TBeckett100

Renault Clio - Stalling anyone?

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I am seeking to take Renault to task over their stalling clios. I have a Y reg one that stalls at traffic and they want 1200 to fix it!

 

Problem is it only did 29k when this started and a lot of people have had the same problem.

 

Are you one of them?


Halifax WON X 2, Northern Rock WON, Capital One WON, Marbles WON, HSBC WON

On the 25th october I will be filing a claim for £175.00 Citicards. Just watch it!

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If you renault stalls at slow speeds, or if you have shelled out for it to have this problem fixed please let me know as I am putting a case together for the court should renault not fix it free of charge!


Halifax WON X 2, Northern Rock WON, Capital One WON, Marbles WON, HSBC WON

On the 25th october I will be filing a claim for £175.00 Citicards. Just watch it!

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hey tbecket, no expert here and not sure if its the same but...... had same trouble on my omega irratic idle stalling etc turn out was idle control valve and less than £100 plus fitting but i was even able to take off the iddle control valve and soak it overnight in petrol dry it completely and refit cured problem(advised by a nice vaux mechanic hehe). maybe worth popping along to your local renualt garage and looking for a fitter outside on dinner maybe and see if same applies to renault cars. not quite the answer your looking for but may help with the stalling anyway

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I bought a R reg Clio ( the old model ) in March this year, Great little runner, however have noticed in the recent warm weather, that the little minx does stall at times, i put this down to myself not controlling the revs and clutch good enough, my partner does'nt have the same problem with the Escort. nor do i when i borrow it, i have also noticed that when i 1st use the car in the morning, the 1st time i brake, i hear a slight scraping noise, this i have had checked at kwik fit, and i'm assured nothing is wrong with the brakes etc. another thing that bafflied me. but all said and done, i find the clio a great little car, great for the city where i live and good on fuel consumtion.. Keep hold of the car, as it wont lose much in value.


!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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Hi - did you buy the car new or second hand?

If second hand, the responsibility lies with the vendor....(actually, it does if new too, but if bought new Renault will take more interest).

The things Renault will look for are:

  • Was the car purchased new, from a renault dealer?
  • Has the car got a full renault service history?

If the answer to these are yes, then Renault will consider a gesture of goodwill towards repair, depending on mileage.

 

Call em on 08000 72 33 72.........

 

Weebag

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got an 03 clio diesel ( had endless probs with it sued renault lol) also have problem sometimes wen it gets hot 28 degrees+ it revs itself and has cut out a few times, may be the filters causin it fuel or air get them replaced c if that does any gud.

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Guest HUSBANDKHAN

Hi

You Will Have Problems With Renaults If Ther Ignition Is Elctronic. My Brother Has A Megane Same Problems Apparently One Of The Sensore Gets Caked In Dirt And Causes Alsorts Of Reving Probs

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I'd look in the yellow pages for a good garage locally who can do diagnostics if they are clued up they should be able to find the problem a lot cheaper than renault. Many modern cars suffer from seemingly complicated problems which do require expensive equipment to diagnoise but unlike in the early days garages are realising there is a good deal of money to be made from this (as are some dealers such as volvo but that's a different story) and investing heavily in the technology.

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My brother has a megane p reg rev probs with him s well. Took it to the local acr wash and jetted the engine where the aa had told me to. Cleared. no probs.


CLICK HERE FOR A LOOK AT ALL OF MY FILES: http://s134.photobucket.com/albums/q82/bailiffchaser/

do not forget to click on my scale if i am giving you the right advice or advice is making sense click my scales otherwise others think i am not helping you.

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I have a T reg renault clio and the rev needle started to wobble in cold weather and stall at lights and junctions, i took it to a mechanic and he cleaned the throttle plate, this fixed it for about 2 months but its started to happen again! :( unimpressed.

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i have also noticed that when i 1st use the car in the morning, the 1st time i brake, i hear a slight scraping noise, this i have had checked at kwik fit, and i'm assured nothing is wrong with the brakes etc.

 

This is perfectly normal for disc brakes.

 

What happens is as the brakes cool in the evening, they attract condensation and this will form very, very slight surface rust on the disk overnight. The first application of brakes in the moring will clean this off.

 

It is also quite normal for there to be a noise if you brake very gently with disk as the disks drag across the pads and vibrate.

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noise should not be heard from brakes although many noises have no effect on effeciancy or safety

squeeling can worn pads, cheap nasty pads, excessive rust on discs, or glazed surface on the discs

 

but any noise should be regarded as abnormal and should be checked although like i said maybe perfectly ok to drive

 

rust build up can appaer on worn disks or sticking calipers

if a car is left standing for maybe a week or so it quite normal to hear the surface rust being scapped off on first brake application

if your heariing it every morning then this is not going to be rust built up overnight as thats not enough time for sufficient rust to build up to a pint where it willbe heard

 

the rear brakes should also be checked incase theres a problem there, sometimes it can be quite decieving as o whether a noise is comig from front or back

 

also wheel bearing can create a simlar noise they first start showing signs of wear so that should be checked outaswell

normally thoughwheel bearing noise will increase with speed

other times you might only hear a bearing when going round a bend but perfectly silent when driving straight

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as for the original thread, low mileage or not its highly unlike renault is going to take responsibilty for the stalling problem

you said the car is a Y reg making it 6 to 7 years old, and they have dont do 7 year warranties

yu could maybe try out recall.net though to see if anythin is listed there for your car becausethats the only way renault would do anything and even then only if there is a recall on it but i dought that your problem would be recalled

normally the only way a car ofthat age is recalled is if the is a serious safety issue has been discovered

 

cars thes day are considered throw away items like everything else

and only have a realistic life expectancy of 5yrs , after that there pretty much considered old eventhough there not much wrong with most of this age

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There should be a law as to where a vehicle is taken off the road after 7-8 years no exceptions allowed. That would reduce the current congestion like nobodys buisiness and is the owner wants to keep the car on th road after 7 years etc then he/she should pay double or even treble road tax.


CLICK HERE FOR A LOOK AT ALL OF MY FILES: http://s134.photobucket.com/albums/q82/bailiffchaser/

do not forget to click on my scale if i am giving you the right advice or advice is making sense click my scales otherwise others think i am not helping you.

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There should be a law as to where a vehicle is taken off the road after 7-8 years no exceptions allowed. That would reduce the current congestion like nobodys buisiness and is the owner wants to keep the car on th road after 7 years etc then he/she should pay double or even treble road tax.

 

Not very green though, when you consider the cradle to grave carbon footprint.

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As new cars are coming in they should automatically be running on gas/electric. The Diesel and petrols shold be phased out.


CLICK HERE FOR A LOOK AT ALL OF MY FILES: http://s134.photobucket.com/albums/q82/bailiffchaser/

do not forget to click on my scale if i am giving you the right advice or advice is making sense click my scales otherwise others think i am not helping you.

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Hello no fear i have the answer the renult clio,s suffer from a wiring loom fault where the loom has rubbed through the wiring next to the throttle box its a task of putting a new loom on the ignition side does cost alot but should be covered on waranty if not write to renults dealers saying you had the problem from waranty and they should give sum discount of goodwill. thanks

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Ohh also the brakes is nothing its a fast surface rust build up over night by anychance do you live in east anglia as we the sea air has salt in it causing this build up faster than other places. It will almost certainly go after 2-3 times of depressing the pedal if this does not happen i advise taking to a garage for a check.

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There should be a law as to where a vehicle is taken off the road after 7-8 years no exceptions allowed. That would reduce the current congestion like nobodys buisiness and is the owner wants to keep the car on th road after 7 years etc then he/she should pay double or even treble road tax.

 

I really would like this too. You obviously have so much money yourself that you can afford tou buy me and the wife a car each. Might as well buy my fatha one too.

 

If you don't want to do this, I suggest you either buy me 2 houses, closer to where me and the wife work, or just give us £35k cash per annum.

 

And by the way, current hybrid cars such as the Honda Inshighte or Toyota Pious are far, far worse on fuel economy than a small-ish petrol or diesel such as the Citroen C2 or Pug 107.

 

[edited], insulated in your comfy worlds where you can afford a brand new car every 3 years or so, or a shiney house. Some of us don't have this luxury and have to live where we can afford, miles away from **** wagons (public transport), and drive cars several people have owned.

 

Nee offence like:rolleyes:

 

TG


Joint acc - Halifax - S.A.R - (Subject Access Request) sent 06 Oct 06, some statements received 24 Oct 06 - £264 so far! Prelim sent 26 Oct 06. here

 

Bills acc - Halifax - S.A.R - (Subject Access Request) sent 06 Oct 06 - £957 so far. Prelim sent 31 Oct 06

 

Old Student Account - £1082.49 charges and contractual interest - Prelim sent 01 Nov 06

 

Capital One - S.A.R - (Subject Access Request) sent 26 Oct 06 here

 

Monument - S.A.R - (Subject Access Request) sent 26 Oct 06 here

 

Wifes old Lloyds TSB - Gonna nail 'em

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oh yes less not frorget cheaper road tax for those that have a newer car, forgetting all of us who run cleaner older cars (mine is an 8 year old with euro 1v emissions- as clean as anything new)

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I really would like this too. You obviously have so much money yourself that you can afford tou buy me and the wife a car each. Might as well buy my fatha one too.

 

If you don't want to do this, I suggest you either buy me 2 houses, closer to where me and the wife work, or just give us £35k cash per annum.

 

And by the way, current hybrid cars such as the Honda Inshighte or Toyota Pious are far, far worse on fuel economy than a small-ish petrol or diesel such as the Citroen C2 or Pug 107.

 

[edited], insulated in your comfy worlds where you can afford a brand new car every 3 years or so, or a shiney house. Some of us don't have this luxury and have to live where we can afford, miles away from **** wagons (public transport), and drive cars several people have owned.

 

Nee offence like:rolleyes:

 

TG

 

Looks like mr grinder has really got a axe to grind. I am only pointing something out. My own poxy vehicle is a n reg corsa. So ther you go. Diesel as well but our attitudes need to change !!!


CLICK HERE FOR A LOOK AT ALL OF MY FILES: http://s134.photobucket.com/albums/q82/bailiffchaser/

do not forget to click on my scale if i am giving you the right advice or advice is making sense click my scales otherwise others think i am not helping you.

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Looks like mr grinder has really got a axe to grind. I am only pointing something out. My own poxy vehicle is a n reg corsa. So ther you go. Diesel as well but our attitudes need to change !!!

 

Atitudes do need to change - the one where people believe in global warming for a start. Sure the planet's temperature is on the increase, but it has done that in cycles for millions of years.

 

The current hysteria regarding GW is all for the benefit of neo-labour who want to tax the tits off us.

 

I have to have a car for work. I buy older cars (currently an N-reg Rover 414 for the wife and a Rover 220 Coupe for me) as I can't afford nor get the credit for new ones. Under your scheme, these 2 perfectly good cars would either have to be scrapped or I would have to pay £240 and £380-ish respectively.

 

And as much as I hate soap-dodging hippy ****, the way I see it, I'm recycling, no new reserves are used up and MW of power are not consumed in creating the cars I buy.

 

You hardly ever see real old cars any more...my Coupe is the oldest car in my works car park. Still has a catalytic convertor though.

 

If anything, there should be a curb on sales of new cars until the older cars are so knackered they fall to bits.

 

TG


Joint acc - Halifax - S.A.R - (Subject Access Request) sent 06 Oct 06, some statements received 24 Oct 06 - £264 so far! Prelim sent 26 Oct 06. here

 

Bills acc - Halifax - S.A.R - (Subject Access Request) sent 06 Oct 06 - £957 so far. Prelim sent 31 Oct 06

 

Old Student Account - £1082.49 charges and contractual interest - Prelim sent 01 Nov 06

 

Capital One - S.A.R - (Subject Access Request) sent 26 Oct 06 here

 

Monument - S.A.R - (Subject Access Request) sent 26 Oct 06 here

 

Wifes old Lloyds TSB - Gonna nail 'em

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As new cars are coming in they should automatically be running on gas/electric. The Diesel and petrols shold be phased out.

 

 

You do reaklise that gas (LPG) is a by-product of producing petrol/diesel?

 

Electric cars are only greener if the electricity is produced greenly.

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relating to original thread

 

i have a megane doing exactly the same, put up with it for about 6 months now trying to get it sorted, had rac out, took it to 2 different garages, did everything they said; change this... this needs replacing... diagnostic test says this...all to no avail eventually took it to renault garage, they couldn't find any fault, although told us it was a common problem! we have spent hundreds in the past couple of weeks on the heap of junk and now we stuck, can't even sell it.

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I dont know if you are near this area but i know the best renult technician ever he is master tech for renult. i used to work under him and he is very very clever and i would almost guarantee he will fix the fault the dealership is smiths renult peterborough bretton. And ask if mark can work on the car and explain what you have been through. Dont let any others work on it request him only.

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