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    • If you are buying a used car – you need to read this survival guide.
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    • 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
      • 161 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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been with payplan for 12yrs..now advise IVA.


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I was 66 yrs old 2 days ago.

I have been in hospital for 3 weeks

just got out but i have been worried about all my debts (plenty of time to think in a hospital bed)

 

Summary

 

1) I have been with Payplan for 13 years and i have never ever missed apayment.

 

2) I have paid back £19,206.54 and my remaining debt is £52,233.72

 

3) My estimated DMP completion date is 28/04/2055 in which i will be 103 years old.

 

4) Owing to bad health i will not be around that long.

 

5) Payplan keep pushing me to start an IVA which is bad advice as it is not guaranteed i could keep up with the payments.

 

6) All debts are from 2005 and are not reported on my credit file also interest was frozen years ago.

 

7) I have 12 creditors Wescot Credit Services, Cabot, PRA Group Ltd, NCO Europe Ltd, Hoist Finance, Lowell Financial Ltd etc

 

😎 Most of these debts have been resold many times.

 

Hoist Finance have sent me a letter offering a 69% discount on a debt which my son has offered to pay on my behalf.

 

I am thinking about offering full and final payments over the next 5 years if i live that long and if i can gather any money together.

 

I have ZERO assets and live in rented property.

 

I will not declare bankruptcy under any circumstances.

 

Can you offer me any advice which would be very much appreciated

 

I am very worried about this and somewhere along the line i need to try and put money away for my funeral.

 

I am very grateful for your help and thank you for your time.

 

 

 

[TD=class: cred_name]Cabot Financial (Europe) Ltd[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£5,002.19[/TD]

 

[TD=class: cred_name]Cabot Financial (Europe) Ltd[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£1,075.66[/TD]

[TD=class: expand_link][/TD]

 

[TD=class: cred_name]Cabot Financial (Europe) Ltd[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£2,520.76[/TD]

[TD=class: expand_link, width: 10%][/TD]

[TR]

[TD=class: cred_name]Cabot Financial (Europe) Ltd[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£3,663.85[/TD]

[TD=class: expand_link, width: 10%][/TD]

[/TR]

[TR]

[/TR]

[TR]

[TD=class: cred_name]Hoist Finance[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£1,084.62[/TD]

[TD=class: expand_link, width: 10%][/TD]

[/TR]

[TR]

[/TR]

[TR]

[TD=class: cred_name]Lowell Financial Ltd[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£3,282.98[/TD]

[TD=class: expand_link, width: 10%][/TD]

[/TR]

[TR]

[/TR]

[TR]

[TD=class: cred_name]Moorcroft Group Plc[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£2,413.83[/TD]

[TD=class: expand_link, width: 10%][/TD]

[/TR]

[TR]

[/TR]

[TR]

[TD=class: cred_name]Moorcroft Group Plc[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£8,226.64[/TD]

[TD=class: expand_link, width: 10%][/TD]

[/TR]

[TR]

[/TR]

[TR]

[TD=class: cred_name]NCO Europe Ltd[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£5,267.35[/TD]

[TD=class: expand_link, width: 10%][/TD]

[/TR]

[TR]

[/TR]

[TR]

[TD=class: cred_name]PRA Group Ltd[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£2,895.64[/TD]

[TD=class: expand_link, width: 10%][/TD]

[/TR]

[TR]

[/TR]

[TR]

[TD=class: cred_name]PRA Group Ltd[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£1,666.09[/TD]

[TD=class: expand_link, width: 10%][/TD]

[/TR]

[TR]

[/TR]

[TR]

[TD=class: cred_name]Wescot Credit Services[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£7,997.31[/TD]

[TD=class: expand_link, width: 10%][/TD]

[/TR]

[TR]

[/TR]

[TR]

[TD=class: cred_name]Wescot Credit Services[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£7,136.80[/TD]

[/TR]

[/TABLE]

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When sending CCA requests is it ok to send a cheque for £1 rather than postal order?

 

I presume they should be sent by recorded delivery.

 

Thanks for your help very much appreciated.

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dx100uk many thanks for all the links which i have now read.

 

I have just purchased 13 x £1 postal orders and will print out the forms and send them off on Monday.

 

I will keep paying Payplan until i receive replys from creditors and will let you know the outcome.

 

I have not been in good health and could not tolerate the stress of debt collectors banging on my door also receiving threatening letters.

 

dx100uk it is very good of you to take out your spare time to help me and i thank you and everyone else who has replied.

  • Haha 1
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This is the info off Payplan website for NCO EUROPE

 

Newman & Co 16/02/2005

Newman & Co 16/02/2005

Newman & Co 16/02/2005

DO NOT USE - NCO Europe Ltd10/03/2005

DO NOT USE - NCO Europe Ltd08/05/2012

NCO Europe Ltd 09/08/2013

American Express 20/07/2015

NCO Europe Ltd 21/07/2015

American Express 08/10/2015

NCO Europe Ltd 08/10/2015

 

 

This is the info off Payplan website for MOORCROFT ACCOUNT 1

 

 

MBNA 16/02/2005

MBNA International Ltd 16/02/2005

Wescot Credit Services 26/07/2007

Arrow Global Limited 10/02/2017

Wescot Credit Services 10/02/2017

Arrow Global Limited 23/04/2018

Moorcroft Group Plc 23/04/2018

 

 

This is the info off Payplan website for MOORCROFT ACCOUNT 2

 

 

Goldfish 16/02/2005

HFC 16/02/2005

Goldfish Bank Ltd 14/06/2005

Wescot Credit Services 17/06/2005

Arrow Global Limited 10/02/2017

Wescot Credit Services 10/02/2017

Arrow Global Limited 23/04/2018

Moorcroft Group Plc 23/04/2018

 

Who do i send CCA request to.

Edited by dx100uk
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In Summary i am sending £1 postal orders with letter.

 

 

Cabot Financial (Europe) Ltd .. cca request

Cabot Financial (Europe) Ltd .. cca request

Cabot Financial (Europe) Ltd .. cca request

Cabot Financial (Europe) Ltd .. cca request

Hoist Finance .. cca request

Lowell Financial Ltd cca request

Moorcroft Group Plc cca request to ARROWS

Moorcroft Group Plc cca request to ARROWS

NCO Europe Ltd .. cca request

PRA Group Ltd .. cca request

PRA Group Ltd .. cca request

Wescot Credit Services cca request to RBS

Wescot Credit Services cca request to RBS

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Regarding american express on payplan 2005 it states Newman & Co plus an account number.

 

In 2015 it reads American express / NCO plus another two account numbers.

 

Advice please.

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  • 3 weeks later...

RESULTS.....SENT REQUESTS 21 DAYS AGO

 

Cabot Financial (Europe) Ltd .. CCA Request.......They have stated UNENFORCEABLE

Cabot Financial (Europe) Ltd .. CCA Request.......They have stated UNENFORCEABLE

Cabot Financial (Europe) Ltd .. cca request.........3RD Account they have failed to reply

Cabot Financial (Europe) Ltd .. cca request.........4th Account they have failed to reply

Hoist Finance .. cca request..............They have stated REQUESTING INFO

Lowell Financial Ltd cca request.........They have failed to reply

Moorcroft Group Plc cca request to ARROWS..They have failed to reply

Moorcroft Group Plc cca request to ARROWS..They have failed to reply

NCO Europe Ltd .. cca request.....................They have failed to reply

PRA Group Ltd .. cca request.................They have stated REQUESTING INFO

PRA Group Ltd .. cca request.................They have stated REQUESTING INFO

Wescot Credit Services cca request to RBS....They have informed me that they have legally sold the debt to CABOT (sent cca request today)

Wescot Credit Services cca request to RBS....2ND Account They have informed me that they have legally sold the debt to Cabot(sent cca request today)

 

What do i do next?

 

I am due to pay PAYPLAN my monthly payment.

 

Thanks for any advice.

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  • 2 weeks later...

UPDATE

 

Lowell Financial Ltd.....Received a letter today and they have closed the account and written off the debt in full.

 

NCO Europe Ltd (american express).......after 4 weeks received a SPECIAL RECORDED DELIVERY today with all the documentation including my original signed application form 50 pages so i still owe them £5214.44

 

I am still with Payplan but did not make my monthly payment.

 

Any advice appreciated thanks.

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I have been paying NCO Europe Ltd (amex) through Payplan £12.09 every month for the past 15 years.

 

pro rata between all creditors. they have frozen all int and charges

 

Estimated completion date: * 30/04/2055 I will be 103 years old.

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