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    • Typical Moorside Claim-complete  rubbish. Is it not time we began to specify what is wrong with them as opposed to the generic one we usually use. By doing so we draw the Judge's attention and we can see if he gets them to correct these omissions. For example we do not know what  the alleged breach or breaches are. They do not know who was driving so they try to cover that by assuming that they are the driver and the keeper despite Courts not agreeing with that premise. Why has the cost escalated when the maximum should be £100.  And what is the breakdown of those costs-damages, debt collection and/or something else? Why  are the charging £170 from day 1-especially the £70 if that  is for debt collection and the river is responsible for the first 28 days and surely cannot be charged until they have received the  PCN at least,  as it was issued without their knowledge. Probably won't mention that on their second Point 3 they are charging you an interest rate of £0.00. Wazzacks.  
    • Sales, branding and tight cost controls have helped Pop Mart's profits balloon in the first half of 2025.View the full article
    • Last week, the US president urged Brazilian authorities to end their prosecution of the country's former President Jair Bolsonaro.View the full article
    • no it gets autostayed. read other claimform threads here dx    
    • I'm afraid that the letter is completely inappropriate. I'm sorry to be tough about this – but although we are going to help you – you also have to help yourself become familiar with the subject. We will certainly guide you and correct you – but  you need to be in control. You need to start doing some proper reading to understand why you should not at all be relying on the rights of third parties act. You need also to start understanding what legislation you should be rely on. So let's put it on pause for the moment. Start doing some thorough reading and when you think that you understand it then let us know and we can go onto the next step. This really is for your own good and for your own survival.   You can win this and get your money back but you need to know what you are doing and you must not give the impression to Evri that you have no idea.   Don't send the letter.  It is fundamentally wrong
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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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yep just wait.

 

pers id be seriously considering a formal complaint to VF about how they treated you by not advising to exercise your VT right in favour of VS.

and the fact that +£900 of unlawful fees have been added to the account.

  • Like 1

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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Morning all. 

 

Debt management company have sent me a letter today which is found attached.

 

They have also sent the cheque back to me.

 

They are asking for my old address otherwise they cannot continue with proceedings

BUT 'THEY' SENT A LETTER to my home address now ..do I need to give them this ?.

Also how do i respond and does this reset the 12+2 days.

 

Many Thanks

 

 

2019-04-09 DM want me confirm address to reply to CCA request.pdf

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Data protection has no connection to a section 79 request. which is legislated by the Credit Consumer Act 1974.....and nothing further to discuss...just inform them that are now in default of your request and return the fee with a covering letter.

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

Have we helped you ...?         Please Donate button to  The National Consumer Service  to help us to keep on helping you 

If you want advice on your Topic please PM me a link to your thread

 

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Correct the date runs from when you sent the request...they are stalling for time.

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

Have we helped you ...?         Please Donate button to  The National Consumer Service  to help us to keep on helping you 

If you want advice on your Topic please PM me a link to your thread

 

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Yes and as per the request finish your covering letter with ......" Again I will remind you If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee."

  • Like 1

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

Have we helped you ...?         Please Donate button to  The National Consumer Service  to help us to keep on helping you 

If you want advice on your Topic please PM me a link to your thread

 

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correct

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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Share on other sites

Good afternoon. A quick update for you.  Vauxhall have replied and I have the paper work asked from them, but no reply from the Debt company as of yet I do believe they have 1 week and a day left. Would you like to see ALL the paper work from Vauxhall ?

Many thanks 

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you mean the sar return..

think you have been asked to total your payments?

and 

firm up the necessary information about complaint regarding advised to VS not VT, they hid that from you.

look in the comms or account log

there should be some kind of comms log there detailing what they told/did not tell you at the time of handing the car back.

 

dx

 

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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Share on other sites

really ..that's bad then for them.

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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Share on other sites

At this time I'm hoping that the debt company can't fulfil the CCA request and that will stop it all. Friday the 5th I sent the CCA so ive worked out the 25th is the last day. If the information isn't sent from the Debt company does that mean they can't chase anything ?

 

Many Thanks again.

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until they comply.

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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Share on other sites

6yrs till SB date.

in E&W SB simply means any court judgement cannot be enforced.

but without enforceable paperwork

they aint going nowhere fast.

 

in this instance it might be to your favour that they do try and fleece  you through the courts

then atleast everything that happen will get put before a judge

and they'll see the terrible way the finance company has treated 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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Share on other sites

Oh ok I was under the duress that the debt company cannot enforce anything and can be sent a cease and desist letter if the CCA isn't met correctly meaning the Debt is not enforceable. Also 6 years from the date I bought the car or 6 years from the first letter the Debt company sent me ?

Edited by westham1
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last payment date.

chasing failed CCA requests went out the window years ago.

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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Share on other sites

So let me get this striaght and i apologise for my lack of educatuon re this matter.

 

if The CCA request that i sent isn't met by the Debt company they can still send bailiffs round and harass me ?.

 

And if the 12+2 days lapse and nothing is sent what do i do from there? 

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bailiffs??

where the beep do they come into it?

has this been to court

you lost the case

and its more than 28days since the judge told you to payup?

 

a DCA is NOT A BAILIFF

and have

ZERO legal powers on ANY DEBT.

 

 

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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Share on other sites

Ok well that makes me feel alot better then.

 

No it hasn't been to court, and to be honest I'm just worried about it all. 

 

As told above, I've stopped all payments, sent a CCA request to the new debt company and a SAR to Vauxhall. I shall wait untill the 25th and return with news hopefully. Thank you for the help I really do appreciate it.

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pers id start on a serious complaint letter about the way Vauxhall finance have treated you as I outlines earlier.

 

atleast you HAVE the agreement, so will know that id the fleecing DCA do send anything. it must be IDENTICAL to what you hold.

I bet it wont be if they do respond.

 

dx

 

 

 

  • Like 1

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... 

Link to post
Share on other sites

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