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    • Hi, I have an old outstanding debt from 1994 due to MBNA for £20,000. The debt has been passed to various DCAs and is currently with PRA Group.  I sent them a CCA letter in January 2024. They acknowledged this letter and stated they would come back when they had more information, however the information did not arrive within the 12 working day scenario.. I have just received a copy of the agreement which goes back to 1994 from them. In their response letter they have stated " Please find enclosed documentation received to date: we are waiting further documents in order to complete your request. We have currently deemed this debt as unenforceable which means we are not able to take court or further action against you to recover the outstanding balance". They then go on to state "we are still legally entitled to:  1.Contact you to ask and repay what you owe 2.Pass your details onto a third party collection agency 3. Continue to report your account with the credit reference bureaux (as appropriate)". I'm at a loss as to what I should do next and would appreciate any guidance on this matter. I am currently paying £5.00 pcm. TIA      
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    • My understanding is that they won't provide the name to me whether the investigation is Live or Closed, & I have no legal rep as I didn't have P.I. Cover on my policy, & am intending to claim using OIC.org.uk, but remain completely stuck as they 100% cannot open a claim on the portal without both the Reg. No. & Name of the other driver.  
    • thanks again ftmdave, your words are verey encouraging and i do appreciate them. i have taken about 2 hours to think of a letter to write to the ceo...i will paste it below...also how would i address a ceo? do i just put his name? or put dear sir? do you think its ok?  i would appreciate feedback/input from anybody if anything needs to be added/taken away, removed if incorrect etc. i am writing it on behalf of my friend..she is the named driver  - im the one with the blue badge and owner of the car - just for clarification. thanks in adavance to everyone.       My friend and I are both disabled and have been a victim of disability discrimination on the part of your agents.   I have been incorrectly 'charged' by your agent 'excel parking' for overstaying in your car park, but there was no overstay. The letter I recieved said the duration of stay was 15 minutes but there is a 10 minute grace period and also 5 minutes consideration time, hence there was no duration of stay of 15 minutes.   I would like to take this oppertunity to clarify what happend at your Gravesend store. We are struggling finacially due to the 'cost of living crisis' and not being able to work because we are both disabled, we was attracted to your store for the 10 items for £10 offer. I suffer dyslexia and depression and my friend who I take shopping has a mobility disability. We went to buy some shopping at your Gravesend branch of Iceland on 28th of December 2023, we entered your car park, tried to read and understand the parking signs and realised we had to pay for parking. We then realised we didnt have any change for the parking machine so went back to look for coins in the car and when we couldnt find any we left. As my friend has mobility issues it takes some time for me to help him out of the car, as you probably understand this takes more time than it would a normal able bodied person. As I suffer dyslexia I am sure you'll agree that it took me more time than a normal person to read and understand the large amount of information at the pay & display machine. After this, it took more time than an able bodied person to leave the car park especially as I have to help my friend on his crutches etc get back into the car due to his mobility disability. All this took us 15 minutes.   I was the driver of my friends car and he has a blue badge. He then received a 'notice to keeper' for a 'failure to purchase a parking tariff'. On the letter it asked to name the driver if you wasnt the driver at the time, so as he wasnt the driver he named me. I appealed the charge and told them we are disabled and explained the situation as above. The appeal was denied, and even more so was totally ignored regarding our disabilities and that we take longer than an able bodied person to access the car and read the signs and understand them. As our disabilities were ignored and disregarded for the time taken I believe this is discrimination against us. I cannot afford any unfair charges of this kind as I am severely struggling financially. I cannot work and am a carer for my disabled Son who also has a mental and mobility disability. I obviously do not have any disposable income and am in debt with my bills. So its an absolute impossibility for me to pay this incorrect charge.     After being discriminated by your agent my friend decided to contact 'iceland customer care team' on my behalf and again explained the situation and also sent photos of his disabled blue badge and proof of disability. He asked the care team to cancel the charge as ultimately its Iceland's land/property and you have the power over excel parking to cancel it. Again we was met with no mention or consideration for our disability and no direct response regarding the cancellation, all we was told was to contact excel parking. He has replied over 20 times to try to get the 'care team' to understand and cancel this but its pointless as we are just ignored every time. I believe that Ignoring our disability is discrimination which is why I am now contacting you.     I have noticed on your website that you are 'acting' to ease the 'cost of living crisis' : https://about.iceland.co.uk/2022/04/05/iceland-acts-to-ease-the-cost-of-living-crisis/   If you really are commited to helping people in this time of crisis ..and especially two struggling disabled people, can you please cancel this charge as it will only cause more damage to our mental health if you do not.  
    • I've also been in touch via the online portal to the Police's GDPR team, to request the name of the other Driver. Got this response:   Dear Mr. ---------   Our Ref: ----------   Thank you for your request which has been forwarded to the Data Protection Team for consideration.   The data you are requesting is third party, we would not give this information directly to you.   Your solicitor or legal team acting on our behalf would approach us directly with your signed (wet) consent allowing us to consider the request further.   I note the investigation is showing as ‘live’ at this time, we would not considered sharing data for suggested injury until the investigation has been closed.   If you wish to pursue a claim once the investigation has been closed please signpost your legal team to [email protected]   Kind regards   ----------------- Data Protection Assistant    
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HELP! Bought a dodgy car.. do i have come back?


Amy1979
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Hi there,

 

In February of this year (07) I bought a Ford Galaxy through a so called friend of mine who owns a garage. He found this car for me after i asked him to keep his eyes peeled for an MPV. This came up very quickly and with the fact I sold my old car previously to fund this I had to move quickly... Big mistake. I paid £4000 (my entire savings) on this vehicle. Trusting my friend. Within 30 minutes of bringing it home it developed a squeaking noise from the engine, i called my friend, he told me it would go as had been sat for a while. It didn't, i took it back and he said it was the fan belt, he replaced it (i paid), the noise never went. I took it back again, he said they were self tensioning rollers it would go unless i wanted to pay for Ford to replace these at extra cost to me. I didnt as he said it wasnt unsafe, just annoying. The noise persisted, 3 months later we had problems starting it, it made a heck of a noise. he told me it was the starter motor, I had this done (i paid), the problem was still there, i was told it may need time to wear in. Problems got worse and 4 weeks ago the car would not even start, made a squealing pig noise (sorry trying to describe), my other friend who is a mechanic came to look, by this time id had enough of the other friend... he said the fly wheel was knackered, ripped off the teeth to the starter motor. Had to wait as he was going on hols but this weekend when he returned, he stripped it down, the flywheel is is poor state, wrecked the started and he also found the gear box in pieces and fallen apart. All the noises could have been the original problem. It is going to cost more than the car is worth to fix and im devestated .. i hve no money to repair or buy another vehicle... do i have any comeback on this person who sold me the vehicle? Please help me. x

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Your legal rights are given to you under the ‘Sale of Goods Act 1979 (as amended)’. The law says your car has to be of satisfactory quality (bearing in mind age and mileage), free from defects, safe, and durable.

The garage had two attempts at repair and even tried to pass you to Ford.

The law says your contract is with the garage and nothing to do with Ford.

Your legal rights against the garage last for 6 years after date of purchase in England.

If the repair fails they should either replace the car, or refund you.

Have you been in touch with any advice organisation?

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Although the person who sold me the car runs a garage, he didnt sell it to me through the garage if you know what i mean, he bought it from someone and sold it on to me. I have no paperwork or receipt from him just the car and log book etc.

 

No I haven't been in touch with any advice organisation, do you mean like CAB?

 

Thanks for your advice and help.

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If this is a private sale then it’s covered by the Sale of Goods Act 1979 (as amended) but you have only got two rights! You would only have rights against him if the car was not his to sell in the first place, or if the car was not as described (verbally or written).

Have you got any idea if he sources cars for people on a regular basis outside his business?

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There was never anything in writing, all done by phone and when we went to visit the vehicle we test drove and collected the following week. I have previously bought a car from him and yes he does source cars for other people. My mother has recently (5weeks ago) bought a car which he found for her and sold (obviously making a profit), all these deals are done by cash and no receipt given therefore there would be no records of these sales.

 

Thank you for all your help, I have contacted him and advised of problems but he is not taking responsibility for anything. Said he would go back to who orginially owned the car but said not to hold my breath!

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OK if nothing is given or done in writing it’s still legally binding. A receipt is not necessary and just one form of proof of purchase, witnesses are another form of proof of purchase.

If he sells several cars a year where he sources the car himself and sells outside his own garage that might be a criminal offence. Sourcing the vehicles through his business and selling privately reduces your legal rights.

People who do this are prosecuted by Trading Standards every year.

This would definitely be a case for you local Trading Standards, they are based in your local council.

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He does sell several cars but does not source these through his business, he does this to make extra money on the side. Once he has been paid for a vehicle, he will take his cut and forward on the remainder to the previous owner.

 

If I were to speak to him as basically i want the car repaired or to be compensated, how would i go about wording it correctly to cover myself and also let him know im seeking advice?

 

thanks again for all of this, you are very helpful.

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IM so sorry for your situation, it is hurtfull and inconvienient when a friend does behave in this way.

 

It does Sound like he has no intention on treating you fairly, hopefully someone will give you a good script with your rights to quote, don't be surprised if you get a negative reply from him he certainly hasn't helped you to date.

 

You could ring Consumer Direct, that is what they are there for to direct you in the use of your rights.

 

If you do have further problems ring the Tax Man, and in the possiblitie you have any number plates of the cars hes sold on, then even better offer them to the Tax Man, the Tax man is not a very very very nice man;)

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Problem here is if he says he is selling private or acting as an agent for another private seller you have only two rights: That the car is ‘as described’ and the ‘sellers to sell’. So if the car is faulty and unless he said it was in perfect working order then you would have no rights against him.

But if he is selling ‘several’ cars to make extra money on the side this sounds like a business. Your average consumer would not sell more than 2-3 cars a year as a private sale?

You could try telling him that selling several cars is a business and cars sold by a business and paid for by cash come under the Sale of Goods Act 1979 (as amended) which says the car must be of satisfactory quality, durable, safe etc.

You could try a recorded delivery letter first asking him for a response within say 7 days, if that fails you could try calling Trading Standards and of course the taxman as fuzzywuzzy says and that might really sting this business.

Maybe find out if the garage is part of a trade association and tell them.

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