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    • New thread started as you & LFI suggested.  It's best to have one ticket per thread, if not people get confused about which ticket they're giving advice for. Firstly, you have every right to be absolutely fuming at MFG.  You go twice and spend money - and what do you get?  A demand for £100!  Do the people who caused this mess resolve it?  No, they lie and mess you about.  No wonder you're so angry. However ... we're worried you’re leaving yourself open to accusations of theft (even though you made it clear the goods would be returned) and criminal damage.  If you take the initiative and approach the garage politely, (a) that covers yourself at least a bit regarding any possible criminal accusations, and (b) if the manager has a brain you two can easily sort everything out. I say if the manager has a brain.  They might try and play the hard case and stupidly put the blame on you.  Who knows. Anyway, how about sending this 1st class post on Monday?   Dear Manager, I am the person who temporarily took some non-perishable goods from the BP shop on Wednesday and left a letter. I have since calmed down and am writing this letter in a friendly, amicable way between adults without abuse or at all costs apportioning blame. What happened is that some time back I visited your premises at 3.15am to buy fuel.  I then revisited at 8.30pm the same day to use the shop. Afterwards I received an invoice from Euro Car Parks for £100 (discounted to £60 if paid within 14 days). What happened is that the ANPR cameras joined the two visits together and ECP issued the invoice for me staying an absurd 17 hours.  I mean you provide a good service but who would stay 17 hours! If you Google "double dipping" you will see that this is a continual problem in the private parking industry and the industry’s own Code of Practice highlights how steps should be taken to avoid issuing invoices in these cases. When I brought this to MFG's customer services' attention you refused to have the invoice cancelled.  I also visited you and again you were unhelpful. Please "take a step backwards" and put yourself in my position.  Say you visited a supermarket on a Saturday evening.  You also visited on a Sunday evening. Later you got a demand for £100 from a private parking company.  You politely asked the supermarket to intervene but they refused.  I think you would consider the matter unfair and you would be extremely angry with the appalling customer service. Anyone who has even a rough knowledge of the law knows that ECP are your agents, you called them in.  You are the organ grinder.  They are the monkey.  You can easily tell them to cancel this invoice. So i am writing to request an appointment with you in order firstly to return the goods which are yours and of course which I should never have taken.  I would like us to be able to speak in a friendly, adult manner. However, secondly I am not prepared to take all the blame for this matter.  I also request confirmation from you that you have had this unfair invoice cancelled. Yours,
    • well post it to youtube or facebook. so we can look at it.  
    • I've got it on my ring door bell footage I'm baffled! 
    • should have gotten your phone out and filmed them. dx  
    • its the OP's car PCN PARKING ON LOADING BAY NEXT TO DISABLED BAY - Local Authority Parking and Traffic Offences - National Consumer Service dx
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    • 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
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Hey guys,

 

This debt i have is a tricky situation.

 

Back in 2008 i took out a "loan" however i didn't know it was a loan at the time. I was sold a home learning course and was gaurenteed a job at the end of the course.

 

The sales rep sold me the course by telling me a pack of lies.

 

I had to make £75 per month payments, even though i was unemployed at the time.

 

The loan was orignally took out with barclays partner finance. which now the debt is with career development fiance.

 

I made around £500 in payments when i started the home learning course, however i couldn't make payments and the standard of the course was shocking. I actually knew more then what the course was actually teaching me.

 

I stopped the payments as they also stopped sending me my booklets to carry on the course after i complained. I actually got a job back then and never thought anything of it.

 

This was a web designer course, with skills train, which i think are no longer in business.

 

I have this week been notified for the first time about this debt with cabot financial.

 

I got a letter tuesday morning saying they have tried contacting me and they have had no success. They state they want me to contact them.

 

However today i have recieved another letter from cabot saying they are offering me a LIMITED OFFER only valid for the next 30 days.

 

This offer gives me a 30% discount if i settle now.

 

I have checked my credit report and i cannot see it anywhere. however on one credit report i do have "loan" marked as settled (which i think this is the account) and this was marked settled back in 2009

 

They state i owe around £1500 (which i think is the correct amount)

 

They also state that we will be able to offer you a attractive repayment plan that can repay my debt back within 5 years (works out around £25 i believe)

 

What would be my best option to respond?

 

Ask them for a CCA request?

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a discount 90% of the time means no debt exists.

 

ignore them.

 

if you type in skills train

or

Barclay partner finance

 

in the search of our GREY top toolbar

 

you'll find several very good threads

about the whole 'debacle' surrounding these home learning courses

 

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... 

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a discount 90% of the time means no debt exists.

 

ignore them.

 

if you type in skills train

or

Barclay partner finance

 

in the search of our GREY top toolbar

 

you'll find several very good threads

about the whole 'debacle' surrounding these home learning courses

 

dx

 

Yeah already been having a look at them.

 

However i keep getting a few phone calls from them, only the odd one or so a week.

 

is sending a cca request out of the question and pointless?

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you certainly can

however again that wont stop the calls

they'll just sell the 'supposed' debt on

 

the important bit here is the discount.

 

they know its a toxic lemon debt

 

that's why BPF has sold it

I think you'll find cabot wil be shown as the owner soon.

the settled bit, is just the OC putting it on the phishing list

for a mug DCa to buy for pennies and try to fleece you.

 

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... 

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you certainly can

however again that wont stop the calls

they'll just sell the 'supposed' debt on

 

the important bit here is the discount.

 

they know its a toxic lemon debt

 

that's why BPF has sold it

I think you'll find cabot wil be shown as the owner soon.

the settled bit, is just the OC putting it on the phishing list

for a mug DCa to buy for pennies and try to fleece you.

 

dx

 

Understood....

 

Ignore list then!

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Hi F's,

 

Do you know for sure that BPF sold the debt, and when it was sold.

 

I would ignore Cabot for now.

 

:wink:

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Hi F's,

 

Do you know for sure that BPF sold the debt, and when it was sold.

 

I would ignore Cabot for now.

 

:wink:

 

Nope, never had any contact with anyone up until now.

 

I do no that on the cabot letter it does say "career development finance as there client"

 

I have also found out that the same guys who ran skills train, actually ran career development finance or so i have investigated.

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I thought BPF would have been the only LENDER involved here and, if they weren't being paid by you, they'd sell the debt to a DCA.

 

Do you know how or why Career Development Finance fit into the picture.

 

:-)

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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I thought BPF would have been the only LENDER involved here and, if they weren't being paid by you, they'd sell the debt to a DCA.

 

Do you know how or why Career Development Finance fit into the picture.

 

:-)

 

After investigating, i have found that skillstrain (who don't actually trade anymore) and there website is also not working.

 

http://www.skillstrainuk.com/

 

and Career development finance have something in common, they both have the same directors. which those directors have been under investigation before.

 

A Mr jan telensky is/was on both of those companies directorships.

 

So it's obviously they are both linked to each other.

 

I know i can remember that i was hard sold, i was only 20 and back then struggling to find a career. which is why i chose web design and thought this course was perfect, they told me i was gaurenteed to find work after completeing it. They said i had 24/7 support, which was untrue (took a few days to get a reply ever) eventually i gave up and looked elsewhere and never actually heard anything from them until this day.

 

I'm actually in that career now and starting my own business in the next few weeks. but i ended up going to college as that course taught me zip!

 

for £2000 i think i received 3 booklets, 3 days support via a online messaging system and 2 cd's as i recall. never received anything after that.

 

I know i paid around £500+ i can't remember the exact figures but the course fee was just over £2000+

 

They were caught using microsoft and other names saying that they endorsed the course to which they didn't.

 

If i knew what i knew back them, i'd have fought it and would have had the evidence to show the poor course supplies. However i don't have that now .

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When i took the course out, i was told i was signing just a payment per month for the course. I later found out it was actually a loan, which the rep never ever mentioned. I also have a witness that was with me at the time of the rep selling me the course.

 

At the time the sales rep came to my house, i just lost my mum and was in a bad way and looking for something to look forward to.

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I'd spend your time researching when you can, to see how other similar cases are handled and/or resolved.

 

See if Cabot contact you further and, if they do, fire back a CCA request in which you can confirm having no knowledge of Career Development Finance.

 

:-)

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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I'd spend your time researching when you can, to see how other similar cases are handled and/or resolved.

 

See if Cabot contact you further and, if they do, fire back a CCA request in which you can confirm having no knowledge of Career Development Finance.

 

:-)

 

Already found a few cases in which they successfully sued skills train and won there money back. However i just don't have the evidence anymore. Obviously i can get bits from other peoples cases as i took it out at the same time as them.

 

Will wait and see what cabot send me next. So far they have offered me a 30% discount, so i'd have thought there trying there luck here.

 

It does become statue barred the beginning of next year. february i think.

 

Will see what they come with next and then figure out my next move.

 

Thanks :)

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If you lack the evidence you require to take court action against the Skills Train, there's little you can do about that.

 

However, you can still defend against any court action that Cabot take against you. The onus is always on the Claimant to PROVE their case. The Defendant only needs to cast adequate doubt on the claim for it to fail.

 

One reason they'd be happy to accept a 30% settlement of the alleged debt is that they probably paid less than 10% of the value for the a/c.

 

:-)

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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  • 1 month later...

This thread is now in "Training & Apprenticeships" forum

 

It is purely an administrative move.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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