Sorry for not replying - this [edited] has had a huge negative impact upon my mental health over the last year and I found it all a bit too much because it seemed every time I posted something here, I had done it wrong and it wore me down and made me feel really anxious and go into my avoidance mode where I’d rather suffer than have to face up to more criticism, as I was feeling quite emotionally fragile at the time. That’s not a negative reflection on anyone except myself, I am always grateful for help. Can you advise who can help me to take this xxxxxxx to court? The trading standards closest to him didn’t want to know, would my own trading standards be the best port of call? I find the whole process very emotionally painful so don’t want to have to jump through hoops if I can avoid it - at the end of the day my mental health is more important, although I don’t see why he should get away with it, either. Thanks as ever for anyone’s help.

No this was the letter that Nationwide sent me earlier in the year - the PDF is a scan of the ‘judgement letter’ or whatever you might call it, which includes: ‘evidence’ (i.e. copies of documents) correspondence between Mr xxxxxxx and his bank, correspondence between his bank and mine - saying the chargeback is invalid The three documents I have for the following reasons: The bill of sale was provided to me by the garage when I bought the vehicle The V5 I was sent by the DVLA The report from the Volvo specialist was given to me when I took the car to them. The reason they had them is because I provided them to the chargeback team at Nationwide when I originally raised the chargeback, I did not submit an SAR. As far as I can see I already have all the information Nationwide have relating to the chargeback, and an SAR would not yield further. This is not an insurmountable problem, I was just saying I think it might be beyond my ability in Acrobat to keep everything as single document by substituting in more legible copies of certain page BUT I will have a go. If not, I can annotate the original to point to the cleaner copies. I will try that later this morning

Thanks for the reply, I think I explained in the post I made yesterday that the letter which was posted to me by Nationwide obviously consists of printed copies of scans, which I have then scanned at the highest DPI available. I can try scanning it again but the quality of the original is so poor in places I don’t think it will make any difference.The quality of the original is already poor. There isn’t anything I can do about that, sorry. That being said, the documents which have degraded significantly I do have originals of - so I could scan those to get clearer copies. Again this is something I did say I could do in my earlier post I think The documents which are scanned and printed into oblivion that are probably illegible are: The bill of sale from xxxxxxx Car Sales The V5 The report from a Volvo Specialist All of which I can scan and include as separate attachments. Substituting them into the document (rather than just uploading them) to keep the integrity of my document might be beyond my Adobe Acrobat skills - the redaction took me a very long time in itself. But if that is what is required I can try? Thanks for your time, it is appreciated.

Good morning everyone I thought it would be worth mentioning my next intended step to see if anyone thinks it is a good idea please? As Nationwide’s letter seemed to have an air of finality about it, I didn’t think I was in a position to challenge it, even though I can see several lies have been told by the other party. So my next step I guess will be to write to them setting out the evidence from my side. Does this seem like the best course of action at this time? Has anyone else been successful in getting a chargeback decision over-turned like this? Is there a time-limit for doing so? By the way, one thing I didn’t mention - there is an error in the letter above from Nationwide - the time of the incident is not April 2020, I do not know why they put that, as the car was not even in my possession until August.

Sorry, I mis-spoke. I didn’t really mean that, please do ignore. I didn’t mean to mislead, I’m communicating on here while caring for my mother and working at the same time. Probably best that I wait until I can give it my full attention, apologies. I have a copy of the correspondence which I can redact and upload later. It seems to consist of the dealer making representations to his bank.

Sorry I didn’t explain myself very well. It was my bank. Ignore that bit. Ok, I’ll do a land registry search. Thanks for your guidance so far, I really do appreciate it. This has caused me a lot of upset and anger and there’s no reason why people like him should be able to get away with doing this to people. Local Trading Standards didn’t want to know.

Sorry, when I said he I meant the person dealing with the chargeback. I know this might sound a bit creepy (but as you might tell I was very angry). But I spent several hours doing some sleuthing earlier in the year - I found him on Facebook and his background picture is some cars on his drive (and the houses and trees in the background correspond exactly to the address when put into Google Maps Street View), so I am almost certain the address is correct, unless he has moved recently.

I have a residential address which I found after some sleuthing earlier this year - not sure if it is still current, however. Regarding the chargeback, yes you are correct - he corresponded with the dealer and his bank but not with me. He made some untrue statements in the correspondence I can see in over-turning the chargeback also. When I get some time later I will go and redact the personal info from it and upload if it helps?

Here are the details of the conviction: https://www.stourbridgenews.co.uk/news/10835293.lye-car-salesman-gets-hefty-court-bill/ These are the various company names I think he uses or has used: 1. SEYMOUR MOTOR COMPANY LIMITED (04735862) 2. DS MOTORS LTD (STOURBRIDGE) LIMITED (10759958) 3. D S MOTORS (LYE) LTD (10221611) 4. The Car Lot, 205 - 215 Halesowen Road, Netherton, Dudley 5. LV Cars 205 - 215 Halesowen Road, Netherton, Dudley 6. Car Sales, 205 - 215 Halesowen Road, Netherton, Dudley 7. Steve's Autos, 205 - 215 Halesowen Road, Netherton, Dudley 8. Autoswift Ltd, 205 - 215 Halesowen Road, Netherton, Dudley In my dealings with him I’ve seen ‘xxxxxxxxx Car Sales’ and ‘Steve’s Autos’ both used. I have scanned all 12 pages of the letter into a PDF but a) some of the pages are blurred due to essentially being a scan of a printout of a scan (though I do have originals of some of those documents) b) there is a fair amount of personal information such as my address which I would be reluctant to post in a public forum - is it possible to send that privately please? Otherwise I could go and black those bits out but it will take me some time.

Thanks so much for your prompt replies and interest- I will do the timeline later today as it will take me a bit of time to piece it together. Regarding the chargeback - I didn’t get my money back as such, no money ever appeared in my account. I didn’t know it had even been (momentarily) successful until I received a letter from my bank in February showing that they had done it and then the dealer had argued against it with their bank and got it over-turned. I was a bit surprised that my bank were unable to communicate with me about the progress of it until this point? If I had known they had managed to put through the chargeback I would have returned the vehicle of course (notwithstanding the fact that they would probably have been aggressive/abusive and refused receipt - not sure how you can *make* someone take a vehicle???). But I only got the full picture, including the correspondence with the dealer and their bank when my bank wrote to me to say they had ultimately failed in February - is this normal practice?

Hi all I bought a vehicle in August of last year from the above dealer for £1700. As it came with a ‘3 month warranty’ and ‘no nasty surprises inside or out’ I foolishly thought I had nothing to lose... After a few days, I noticed there was something amiss with the automatic gearbox. I took it to a local garage who drove it and told me there was nothing unusual - this was because they drove it up and down an A-road and didn’t recreate the conditions under which the issues manifest. Having carried on driving it, I knew something was amiss - the car would make a massive ‘thump’ when driving uphill and changing down, and jump forward when changing up. It’s actually quite dangerous in my view. I did some research and apparently this is a fault which requires expensive repair to the gearbox (valve body replacement) and normally leads people to scrap these cars as being ‘beyond economic repair’; I took it to a Volvo specialist who confirmed this was the issue and it would cost £1300 to fix (and even then this might not remedy it). There were other issues with the vehicle also - non-standard tyres, non-functioning heater, leaking screenwash tank, dodgy suspension that I imagine will fail when it’s taken to an honest MoT tester. I contacted the garage within the period of the so-called warranty and thought I was being ‘reasonable’ by only asking them to remedy the expensive issue - the gearbox, and they became aggressive/abusive. I asked them for a copy of the terms of the warranty and they said they only cover breakages and wear and tear isn’t covered. I then went to my bank who did a chargeback on the basis that the warranty was misrepresented at the point of sale. During this time, my mental health was pretty terrible (wasn’t all of ours in the midst of the pandemic?) so I was struggling quite badly with anxiety, but I did my best because I was pretty sure I was in the right and had been deliberately sold a lemon. However, I didn’t properly understand the need to return the vehicle, and wasn’t sure how I could manage to transport it the 60 miles to them in the middle of a pandemic, and expected them to be aggressive and abusive in any case and refuse receipt of the car (I am pretty sure they would have done this, to be fair). Several weeks later, I got a letter from my bank - they did the chargeback on the basis that the company had sold the car with a warranty that was non-existent (and misrepresented the goods). They sent me a copy of the correspondence, that had been had with the car dealer in February. The chargeback was reversed following correspondence between the dealer’s bank and themselves on the basis that I hadn’t returned the vehicle, but also I found out some interesting information: 1) That in the course of the correspondence the garage had been asked for a copy of the warranty - all they provided was a copy of the invoice with ‘3 months warranty’ written on it - they never provided the terms of the warranty even at this stage. 2) Because the correspondence from the dealer’s perspective had to be in the name of the bank account holder, it turns out that all the correspondence they had with me had to that point had been under pseudonyms. The real name of the dealer led me to some news online that he had been taken to court by Trading Standards and convicted in 2013 at Magistrates Court of: fabricating a vehicle’s service history and claiming a vehicle had come to him from a main dealer when it had in fact come from an auction. advertising a car with a false mileage indication as it had been fitted with a replacement odometer, which the customer was not told about. failed to tell the consumer that there were advisories on MOT certificates relating to worn brake pads and discs. Now (wrongly in hindsight) I decided to FoI the local trading standards department, and asked them to provide me information on the six or so different car dealer companies he seems to be involved in and what action had been taken against him/them. When I saw that he was a serial scammer who seems to hide behind a range of car dealer ’names’ I thought I could build a case. They took a whole two months to reply and finally said they are exempt from providing this information. I have also now sent a DPA request to the DVLA to find out more information about the vehicle and try and ascertain if there is anything that would show previous ownership that would enable me to see who it was sold to them by, and whether the fault was mentioned. I am pretty sure he is a serial scammer / conman. His m.o. seems to be - buy cars cheaply at auction, cover up/don’t mention faults, sell them with a ‘warranty’ at premium price, and then launches a barrage of aggression/abuse at anyone who tries to claim on it. But I am unsure what tack to take in terms of court action. I am happy to take him to court but would appreciate some guidance as to what I would contend. Thanks in advance for reading this far - I realise that what I have done to date may not be ideal, and at the time my mental health was terrible - but I am just an ordinary guy trying to get on in the world, it’s him who scammed me at the end of the day. I am feeling completely well now though, and even if I don’t stand much chance of success, I can and will warn others that he’s a scammer if nothing else.

Hi all I do hope I have posted this in the right place. I have endeavoured to do as much of my own research as possible so far on this subject (detailed below), and don't expect busy people to do the legwork for me, but pointers would be very much appreciated please. My parents have recently been contacted by a firm of solicitors regarding a loan they took out in the late 90s with Ocwen/Igroup, offering to pursue a claim on a no-win no-fee basis, for a 35% commission, for secret commissions paid by the lenders to a number of brokers. My parents are elderly now, and I would like to do my best to reclaim the funds on their behalf. In addition, they have been hounded by GE Money on a regular basis in respect of a mortgage they are still paying off(in my view they have made bad financial decisions, unfortunately). Therefore, although I intend to pursue this matter dispassionately, I know it would give them a great deal of satisfaction if I were successful :-D My research so far as yielded the following: Secret commissions were quite common in the sub-prime lending market at this time. Ocwen/Igroup are now GE Money (can be corroborated by info held at companies house?) Relevant case law is Wilson & Anor v Hurstanger Ltd (sorry not able to link to Bailii as new poster) Failure of the broker to disclose a commission paid by the lender constitutes a breach of his fiduciary duty My next steps, however, are uncertain. I have asked my parents to find any relevant paperwork they have dating back to this time. I am assuming I can get them to submit a Subject Access Request under the Data Protection Act to both the lender (and the broker, if they still exist) and gather all information they can about the loans, to find out the nature and extent of any additional commission paid in respect of these loans? Guidance here would be appreciated, please. Things I am not sure of, yet: Are we able to pursue the commissions paid in the respect of these loans, given the time that has elapsed since? What will be seeking to claim? The amount of the commission? The interest paid as a result? presumably it would be difficult to prove any loss incurred by being sold a more expensive product as a result of this conflict of interest I am not a lawyer. I am what I would class as legally literate, and am used to reading legislation and case law (in an entirely different field - social care), and i am tenacious ;-) will I be able to bring this claim on my parents behalf? Are we likely to incure significant costs in the process? Guidance on any of these points would be appreciated, please. Thank you in advance for any pointers you are able to give. And apologies if I have missed any answers to these questions in the research I have already carried out.