consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | Bank Charges Survey Results | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ


CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit Small Claims Court Guide CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here.


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki

N.B. Please note - due to postage costs these products are only available in the U.K.



Consumer Action Group envelope labels
You are part of a community of over 185,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



Do your Internet search here



Your Internet search-box

Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
Do your Internet search here:-

Your Internet searchbox




Come and chat with us here (NB: External site NOT affiliated with CAG)

  CAG Announcements
 
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ. You will have to register before you can post. To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide
Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Are you a victim of unfair trading?
Check it out
The Consumer Protection from Unfair Trading Regs 2008
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
The Consumer Action Group
> General Consumer Issues


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

Reply
 
LinkBack Thread Tools
Old 28th March 2008, 13:40   #21 (permalink)
nufsaid
Classic Account Customer
 
nufsaid's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Feb 2008
Posts: 161
nufsaid Novitiate
Default Re: Deposit to test drive car refusing to be returned.

Quote:
Originally Posted by joegarthy View Post
Ok - letter went out to trader stating facts. He received it yesterday recorded.

Response received by return! Dreadfully written stating that I should take him to court and that he has legal representation!

So here we go...small claims....any advice willingly received.

Cheers
This is identical to my guy maybe the same chap I won after he was summoned to court and didn't attend I got my money back and all fees which for me were £1000's as the value went above the Small claims track.

The small claims track is much easier and not as daunting as you may feel it is, the court staff are usually really nice and helpful all that I had dealings with were.
nufsaid is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 28th March 2008, 14:01   #22 (permalink)
joegarthy
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2008
Posts: 17
joegarthy Novitiate
Default Re: Deposit to test drive car refusing to be returned.

it's an independent trader...

interested in your situation nufsaid....was it exactly the same situation?
joegarthy is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 28th March 2008, 14:26   #23 (permalink)
nufsaid
Classic Account Customer
 
nufsaid's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Feb 2008
Posts: 161
nufsaid Novitiate
Default Re: Deposit to test drive car refusing to be returned.

No I sued an independent dodgy car dealer for selling me a smashed up and rebuilt Zaferia after a week the boot wouldn't close right so I took it to Vauxhall who informed me it had had the rear end replaced and not well either you could see road through the boot the back end of the car was filler :o nice as when I looked at the car and the day I picked it up I had my 4week old baby and older daughter with me these car dealers are scum on another level below bottom feeders.
I will dig out my file and find all the organisations that helped me as even though mine was a different situation there are ways of dealing with these fools.
My guy wrote back to me with bad grammar and misspelled words throughout basically saying if you sue me I will just right it off against tax ect ect... with a load of abuse.
Always stay calm and above board in your letters to him it will only go in your favour if his resonses are abusive.
Will help as much as I can will dig out file later and have a looksie it was a few years ago now.
__________________
Confused, sad,bewildered,befuddled, bemused,disorientated,lon ley until I came here, moving forward to ,trying not to let them drag me down.
nufsaid is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 28th March 2008, 14:32   #24 (permalink)
JonCris
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: May 2006
Posts: 6,090
JonCris AuthoritativeJonCris AuthoritativeJonCris AuthoritativeJonCris AuthoritativeJonCris AuthoritativeJonCris AuthoritativeJonCris AuthoritativeJonCris AuthoritativeJonCris Authoritative
Default Re: Deposit to test drive car refusing to be returned.

Quote:
Originally Posted by joegarthy View Post
If you can help with this, I'd be truly grateful - I've just had the most aggressive trader on the phone telling me to f*** off.

I went to see a car last weekend, it was inside a warehouse, crammed in alongside others, and when I asked about test driving, I was told that i'd need to put down a deposit to take the car off sale, and then it would be prepared for sale subject to test drive.

I phoned on Monday to give the £500 deposit refundable subject to test drive.

I drove the car yesterday, ready with my part-ex to do the agreed deal but didnt like the car.

Dealer tells me there is nothing wrong with the car and that we had agreed the deposit 'Subject to test drive no faults found' - i.e the final 3 words implying that there would have to be a fault for me not to buy the car.

So aside from him lying, and it now being my word vs his (naively I have no written record), what can I do? Doesnt seem right that even if you take his 'no faults found' line that this is fair, not to mention the fact he is lying.

Any help, in whatever form would be very welcome.

Thanks in advance
This 'dealer' wasn't in deepest Yorkshire was he by any chance & did you find the vehicle off the internet??
JonCris is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 28th March 2008, 14:34   #25 (permalink)
fed_up_uk
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2008
Posts: 109
fed_up_uk Novitiate
Default Re: Deposit to test drive car refusing to be returned.

If you phoned the deposit, what type of card did you use?
fed_up_uk is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 28th March 2008, 15:19   #26 (permalink)
joegarthy
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2008
Posts: 17
joegarthy Novitiate
Default Re: Deposit to test drive car refusing to be returned.

no to yorkshire....further south.
deposit on mastercard - although they're useless - see earlier part of thread.
where is the small claims hearing? in the county of the problem or in my county?
joegarthy is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 28th March 2008, 15:25   #27 (permalink)
fed_up_uk
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2008
Posts: 109
fed_up_uk Novitiate
Default Re: Deposit to test drive car refusing to be returned.

So I see, sorry I must've missed it. I have to ask did you sign anything with this trader? One would assume that if the deposit is supposed to be against the purchase of the car, the deposit would naturally be taken after completing paperwork. Otherwise is there anything to say what this trader has taken money for? If not, definately go back to your card company and say funds have been taken for no reason.
fed_up_uk is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 28th March 2008, 18:31   #28 (permalink)
jonni2bad
Site Team
 
jonni2bad's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2006
Posts: 7,650
jonni2bad has disabled reputation
Default Re: Deposit to test drive car refusing to be returned.

Hi again joe

You can start this claim online if you like, it's relatively straight forward so doesn't need an overly complicated Particulars of Claim (the bit where you state your case) or, if you prefer, you can download a claims form (N1), fill them in at home and return them either by hand or post to the court.

The only thing about online claims is the limited number of characters and lines of text that you can use. If you're in no rush, I will write some Particulars for you this weekend...?

The claim will be heard at your local county court, unless there are good reasons why the defendant cannot attend that location, but that is rare.

There is a guide to using the online (MCOL) service here...
http://www.consumeractiongroup.co.uk...col-right.html

Along with links to the court service guide here...
Her Majesty's Courts Service

and the actual online service for claims here...
https://www.moneyclaim.gov.uk/csmco2/index.jsp

It will cost you £45 to start the claim, but this will be added to the 'amount' of anything awarded should you win. You are very unlikely to have to pay anything if you lose, other than the original £45. That would be up to the Judge and is only typically awarded where the claimant has taken action vexatiously.
__________________
.
.
.
.
Charity motorbike ride from Land's End to John O'Groats
.
.
Please visit the site and add your support for Cancer Research UK
..
Donate online now -


.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.


jonni2bad is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th March 2008, 16:19   #29 (permalink)
joegarthy
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2008
Posts: 17
joegarthy Novitiate
Default Re: Deposit to test drive car refusing to be returned.

thanks jon - again much appreciated...your particulars stuff would be most helpful
joegarthy is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th March 2008, 17:26   #30 (permalink)
Zamzara
Gold Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Feb 2007
Posts: 469
Zamzara Novitiate
Default Re: Deposit to test drive car refusing to be returned.

Surely the definition of a test drive is that you are not making a decision whether to committing to buy the car until afterwards. Even if you mentioned subject to faults, 'fault' in this context is not limited to those in the Sale of Goods Act and could be something like you don't like the feel of the seats.

Quote:
Originally Posted by joegarthy View Post
no to yorkshire....further south.
deposit on mastercard - although they're useless - see earlier part of thread.
Useless or not, you can name them as joint defendants.
Zamzara is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th March 2008, 19:35   #31 (permalink)
joegarthy
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2008
Posts: 17
joegarthy Novitiate
Default Re: Deposit to test drive car refusing to be returned.

zamzara - like your thoughts alot... here's hoping Mr Judge chap (or chapess) thinks the same way... let common sense prevail!
joegarthy is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th March 2008, 21:43   #32 (permalink)
joegarthy
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2008
Posts: 17
joegarthy Novitiate
Default Re: Deposit to test drive car refusing to be returned.

Too many words for the MCOL, so now onto N1 - are there any user guides for this on here? Where it states 'brief details of claim' - can I just say "see attached"?

Thanks
joegarthy is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 31st March 2008, 09:54   #33 (permalink)
nufsaid
Classic Account Customer
 
nufsaid's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Feb 2008
Posts: 161
nufsaid Novitiate
Default Re: Deposit to test drive car refusing to be returned.

Good luck JG there are a fair few guides on the courts web site about form filling I don't know where they are on here sorry you can phone your court as well they are lovely people normally and are there to help if your stuck.

Keep us up to date.
nufsaid is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 31st March 2008, 23:54   #34 (permalink)
jonni2bad
Site Team
 
jonni2bad's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2006
Posts: 7,650
jonni2bad has disabled reputation
Default Re: Deposit to test drive car refusing to be returned.

JG, sorry about the delay here - as per usual, just when you think you are getting some spare time, something comes along!

Anyway, I will, if you like create a pdf version of the N1 form for you pre-filled. If you would like to send me a PM, I can discuss a couple of things with you first.

This is not an obligation, by the way, merely an offer - you are not obliged to accept and I certainly wouldn't take offence!
__________________
.
.
.
.
Charity motorbike ride from Land's End to John O'Groats
.
.
Please visit the site and add your support for Cancer Research UK
..
Donate online now -


.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.


jonni2bad is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 11th May 2008, 20:54   #35 (permalink)
joegarthy
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2008
Posts: 17
joegarthy Novitiate
Default Re: Deposit to test drive car refusing to be returned.

OK - Latest Update for you all!

Sent letter by special delivery and got a response the next day. The response was littered with spelling mistakes, no grammar, basically an extension of the crap seen previously. Certainly no potential for a climb down.

Court papers filed. Have now had his 'particulars of defence' (much more professional now so I'm guessing he has now got advice). He states:

1) The claimant visited the defendant...
2) The claimant was told that if wished to purchase the vehicle he would need to place a deposit to proceed with purchase.
3) The claimant later telephoned the defendant and placed a deposit on the vehicle.
4) The claimant was told that he would be required to place a deposit which would be returned subject to a test-drive and only if the vehicle was faulty. The claimant agreed and left a holding deposit over the telephone.

There are another 8 points, but none as contentious as 4). He absolutely did not mention the 'only if the vehicle was faulty' and this forms the basis of my argument.

Anyway, I now have an allocation questionnaire to fill in. Some help please...

1) What is a pre-action protocol? Have I done this? Dont think I needed to
2) Amount in dispute is increasing with interest on a daily basis - what amount do I put in here? What was in the original court notice?
3) In other information, how little or much should you attach? Every correspondence we have had? What information should be included to help the judge manage the claim?

Any information gratefully received....hope this is all ultimately worthwhile... Oh and is it a coincidence that the creditcard used to deposit the £500 was violated to the tune of £1,600 2 days after the court summons arrived?
joegarthy is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 12th May 2008, 02:04   #36 (permalink)
JonCris
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: May 2006
Posts: 6,090
JonCris AuthoritativeJonCris AuthoritativeJonCris AuthoritativeJonCris AuthoritativeJonCris AuthoritativeJonCris AuthoritativeJonCris AuthoritativeJonCris AuthoritativeJonCris Authoritative
Default Re: Deposit to test drive car refusing to be returned.

I particularly love no 4 as obviously they haven't told whoever wrote it that there was something wrong with the car hence all the problems with delivery

Have you had further monies taken from your card & if so by whom?
JonCris is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 12th May 2008, 16:19   #37 (permalink)
joegarthy
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2008
Posts: 17
joegarthy Novitiate
Default Re: Deposit to test drive car refusing to be returned.

Fraudulently...so who knows....but what a coincidence.....
joegarthy is offline  
Digg this Post!