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johnboy

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  1. This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. Thanks for the advice one and all the outcome was that VW responded with an offer of 70% refund of total price we paid and guaranteed new work for 2years
  4. This is a draft letter I intend to send to my VW dealer head office it contains the problem any comments gratefully recieved Dear Volkswagen I am writing to complain about the poor quality of service I have received from the **** branch and about a number of problems which have beset my 2003 Polo with a mileage of only 10,000 miles. I purchased the car as I believed Volkswagen’s cars had a reputation for reliability and that their products would need very little, if any, maintenance for the first 20,000 miles. Recently I took the Polo into *****Volkswagen’s garage as the emissions warning lamp had reappeared for the third time on my dashboard. I needed the car the following day and was forced to pay £500 for labour and parts to detect and replace a lambda probe sensor, a problem which should have been easy to detect via the electronic control unit. This is the second time in less than two years a lambda probe had to be replaced; the last time being September 2005. In 2004 wiring to the original lambda probe had come loose. I don’t think it is reasonable to expect a new Volkswagen vehicle to need two lambda probes to be replaced within a two year period when the car has travelled only 10,000 miles. Staff at ****** Volkswagen were unable to identify which lambda probe had needed replacing in September 2005, so in effect the part which was replaced during warranty may have failed within a very short space of time. I have spent £300 on a service at *****Volkswagen and £50 in June 2006 on an MOT and am very unhappy that I have had to pay ***** Volkswagen a further £500 so soon afterwards. After talking to local trading standards officers and taking advice, I feel that in respect of the terms of my statutory rights, The Sale of Goods Act 1979 (amended) which says that goods should be of satisfactory quality for six years from supply, meaning goods must meet the standards that any reasonable person would expect, taking into account the description, the price and all other relevant information. Satisfactory quality includes the appearance and finish of the goods, their safety and durability and whether they are free from defects (including minor faults).In light of these facts and given the number of problems with the lambda probe, I believe the vehicle I purchased in July 2003 is not of satisfactory quality. An inherent fault in the vehicle has not been rectified. I therefore believe that ******Volkswagen should reimburse the £500 charge to replace the lambda probe and that this fault is monitored and repaired free of charge as and when it should re-occur until the six years are up. I look forward to hearing from you. Yours sincerely
  5. This is a draft letter I intend to send to my VW dealer head office it contains the problem any comments gratefully recieved Dear Volkswagen I am writing to complain about the poor quality of service I have received from the **** branch and about a number of problems which have beset my 2003 Polo with a mileage of only 10,000 miles. I purchased the car as I believed Volkswagen’s cars had a reputation for reliability and that their products would need very little, if any, maintenance for the first 20,000 miles. Recently I took the Polo into *****Volkswagen’s garage as the emissions warning lamp had reappeared for the third time on my dashboard. I needed the car the following day and was forced to pay £500 for labour and parts to detect and replace a lambda probe sensor, a problem which should have been easy to detect via the electronic control unit. This is the second time in less than two years a lambda probe had to be replaced; the last time being September 2005. In 2004 wiring to the original lambda probe had come loose. I don’t think it is reasonable to expect a new Volkswagen vehicle to need two lambda probes to be replaced within a two year period when the car has travelled only 10,000 miles. Staff at ****** Volkswagen were unable to identify which lambda probe had needed replacing in September 2005, so in effect the part which was replaced during warranty may have failed within a very short space of time. I have spent £300 on a service at *****Volkswagen and £50 in June 2006 on an MOT and am very unhappy that I have had to pay ***** Volkswagen a further £500 so soon afterwards. After talking to local trading standards officers and taking advice, I feel that in respect of the terms of my statutory rights, The Sale of Goods Act 1979 (amended) which says that goods should be of satisfactory quality for six years from supply, meaning goods must meet the standards that any reasonable person would expect, taking into account the description, the price and all other relevant information. Satisfactory quality includes the appearance and finish of the goods, their safety and durability and whether they are free from defects (including minor faults).In light of these facts and given the number of problems with the lambda probe, I believe the vehicle I purchased in July 2003 is not of satisfactory quality. An inherent fault in the vehicle has not been rectified. I therefore believe that ******Volkswagen should reimburse the £500 charge to replace the lambda probe and that this fault is monitored and repaired free of charge as and when it should re-occur until the six years are up. I look forward to hearing from you. Yours sincerely ******
  6. Hi all, Just discovered a certain banking organisation that will remain nameless had put a default on an account i had with them. My questions are 1. How do i get this removed 2. How long does it last 3. what effect does it have on my credit rating and 4. how does it compare say to a CCJ ? Thanks
  7. More food for thought how i set up my own bank http://www.fool.co.uk/news/comment/2006/c060406d.htm http://www.amazon.com/gp/product/0761512713/103-1669274-5590235?v=glance&n=283155 http://www.fsa.gov.uk/pages/Library/Communication/Speeches/2005/sp243.shtml point 8 quote The assets and membership of credit unions are rising: credit union assets now total over £427 million, nearly double on 2000, and membership stands at 473,000, nearly 50% up on 2000. Meanwhile, the consolidation among credit unions to produce fewer but better resourced and I would hope better run credit unions is a helpful development. 19. On credit unions, we are now working to facilitate innovation in the credit union sector by not imposing regulatory barriers. We are discussing whether at least some – larger, well run – credit unions might offer basic bank accounts through partnership with existing banks. Again, this would be a way of bringing real benefits to the "unbanked". We also welcome the Government's announcement in the Budget that they are going to change the rules for Child Trust Funds to make it possible for credit unions to offer them. Why dont we set up a credit union and lobby the fsa to let us do basic bank accounts without the big banks involvements? look at Credit Unions in the UK http://www.psi.org.uk/publications/publication.asp?publication_id=38 setting up a credit union http://www.fsa.gov.uk/Pages/Doing/small_firms/unions/index.shtml
  8. Ah neil, at last someone who knows about computers, if we could possibly build our own servers, (build our own bank) that would really freak the banks out! Would it be possible or has it already been done to make security software open source? so it could be improved or would that defeat the object? What software do the banks run? anybody know? and how much does it cost? can't be too much if you can still make 11billion Anyway we could start small add capacity as we need it what would be an optimum size? Could one hundred people get together and start it off? just put in a nominal sum a pound perhaps and then gain expertise work how to pay direct debits look for security flaws dont expose ourselves too much.What do you reckon? another question who looks after all BTs money and british gas where does that money go? do they have bank accounts if so who with?
  9. Like i said look at how john lewis is run or the guardian, the guardian is a trust see http://www.gmgplc.co.uk/gmgplc/scott/formation/ and john lewis calls itself a partnership http://www.johnlewispartnership.co.uk/TemplatePage.aspx?PageType=CAT&PageID=4 they have constitutions or rules stating what they are about and cant be bought or sold like normal comapnies and in john lewis,s case the workers are all partners and have a vote, two pretty successful outfits that pride themselves on high standards in what they do. so there are structures out there that show it can be done but the problem is how to do it in banking? so ordinary people dont get ripped off. Because at the moment the banks have us by the balls. However this movement shows that is changing, the question is do we stop with just the bank charges or do we go further?
  10. So what is the software you require so that you could say to your employer send my money here? The more I think of it the more I think that the bank is just some kind of wizard of oz an illusion, its just software and servers!Why cant i set up my own bank of me and tell my employer send the dosh there please. pay my bills and DDs, as for cash well yes thats a tricky one but then there are now so many private cash machines springing up I could pay them to let me have cash at a reasonable rate. But seriously whats the law say about setting up a deposit bank anybody know? I keep thinking of how carphone warehouse set up their domestic phone service and marketed it on the basis of the more that join the cheaper it gets which has been really successfull. Im saying this as I think this has the potential to be a huge snowball all this stuff about charges are just the the beginning (hopefully)
  11. bit of a ramble here but Well, my basic point was that now money is electronic and we dont require physical buildings and lets face it we are paying more and more by switch and CCs paper and coin money like cheques are on the way out so if you dont need cash point and clearing etc what do you need I think something like your own numbered account that you take with you in your mobile or something. At the moment banks are parasites sitting between us and our employers why dont we cut out the middle man all a bank account is nowadays is apiece of software that says you have x anmount pof credit and yes why cant we just begin basically with a deposit bank where we pay in and pay out our bills. I wonder what the law says about doing something like that having your own personal bank of one and then getting them all together?
  12. I suppose what I am saying is as its all electronic why cant we have a virtual space where money gets lodged and just goes to that place (cyberspace) and sits there and is used to pay bills etc when enough of of us put our money together it would be big enough to offer loans morgages whatever why do we need the tradtional notion of a bank. Why cant we all have individual locked accounts that only we can dispense cash from? accounts that follow us wherever we go all this kind of old fashioned bank behaviour of let us steal sorry look after your money and keep it in a safe place was ok with cash but nowadays What safe place? its all in cyberspace and has been for years. Why do we even need a bank?
  13. Totally naive question but... Why can't we get together and start our own online bank. Something really basic to pay our salaries into and pay bills and once it has some funds to make small loans etc. A bank that does not make a profit from its customers just covers costs. Run the same way John Lewis the department staore or the guardian newspaper is as a trust or coop. as most banking is now done electronically would it not be easier than constantly fighting these people?
  14. Finally managed to cram it all into moneyclaim website File date 12.05.2006 Claim number 6QZ30600 Amount claimed £1,182.00 Court Fee £120.00 used the following text: The claimant has had an account with HSBC Bank PLC since 1997, which is run on their standard terms and conditions. The claimant is claiming £825.50 taken by the defendant in the way of charges over the last 6 years. The bank's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. Further, as a disproportionate penalty they are invalid under the Unfair (Contracts) Terms Act 1977 s.4 and the Unfair Terms in Consumer Contracts Regulations 1999. Para.8 and sch.2(1)(e). In the event that the charges are not a penalty then they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15 The bank has been asked to justify their charges but they have declined to do so. The claimant claims interest under s.69 of the County Courts Act 1984 at the rate of 8% a year from the date of each charge to 11th May 2006 of £258.40 and also interest at the same rate up to the date of judgment or earlier repayment at a daily rate of 0.00022% Will keep you posted
  15. Hi, Well their time is up and I am about to file. however just a couple of quick dumb questions: 1. is there a template letter of less than 1080 characters for the money claim site? 2. if there is how do i then "attach the figures" Ie excell spreadsheet? I have happily done it manually on the PDF Form which I downloaded and can attach an excel spreadsheet to this,just cant seem to cram everything onto the money claim form online. any advice gratefully received Regards Johnboy
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