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johnboy

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About 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 e
  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
  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 bet
  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
  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
  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
  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 a
  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
  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
  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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