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Everything posted by miniconverter

  1. They are talking b***ocks why would leaving water sat on the frame cause it to rust. What is the frame painted with emulsion? Take it back and ask them how the water has penetrated the paint or other coating on the frame. Does your car go rusty if you leave it with water stood on it? Was it the dealer or Yamaha that said it's not covered? Get in contact with Yamaha customer care there number should be on there web site.
  2. Have just had a look at the letter from lowells which came with a letter from barclays. It would appear lowells are at it as well but I suppose that's not a surprise.
  3. The claimants address is not in the UK but there is an address of a company in the UK to send correspondence to. Should I go after the firm with the UK address as I don't have a clue how to go after the one which is not in the UK. Sorry for not saying who these companies are but I believe they must monitor these forums and I don't want to tip them off to what I am doing
  4. By the company that issued the claim I assume you mean who the correspondence should be sent to and not the claimant
  5. Everything just seems to be underhand and they don't want to stand up and be counted. Even the address for correspondence was a PO box number
  6. Bit of a long story but will condenses as much as possible to make reading easy and will not use names as don't want and of the **** bags getting a pre warning. Early in 2007 received a letter from a Dca that features on here regularly claiming to be acting on behalf of a company that had bought a credit card debt from a high street bank. These people where a nightmare ring from 7 in the morning till 9 at night up to 10 times a day. They where always told to go away as I had no dealings with them or the company they represented. Early in May 2007 I sent a CCA request to them. This was sent on the Saturday morning the last call I had from them was the Monday morning and I have never heard anything from them again nor did I get a copy of the CCA so they have definitely defaulted on that. In march this year I received a claim form from the county court the claimant being the company that had bought the alleged debt but the address for correspondence was what I now no to be a dca. Immediately sent a cpr request to the dca asking for a copy of the CCA, statements, copy of default notice and a copy off the notice of assignment. I to date have received nothing. Wrought to the court to ask for the claim to be struck out as they had failed to comply with my cpr request. Anyway the case ran its course did the Aq and got a dtae for the hearing. Prepared myself best I could bearing in mind I didn't even know what I was defending. Got to court last week walked up to the usher who didn't know anything about my case so he had a look on the computer and the case had been struck out as the claimant hadn't paid the hearing fee. My questions are Should I ask the court for a wasted costs order as this has cost me in time and money Should I report this to the OFT as it all seems a bit underhand to me Should I report the original dca to the OFT for not supplying a cca Who is responsible the dca or the company that claims to have bought the alleged debt Thanks in advance for your help
  7. Today i have had a letter from a company called Tower investigations which reads as follows Dear Mr Miniconverter, We act on behalf of a client and would be obliged if you could telephone us on FREEPHONE 0800 977 8042 in order to assist us with our enquiry. Yours sincerely Tower Investigations Ltd Unfortunately I don't believe in coincidences so I bet I know who there client is. Would appear they are now using misleading methods. Has anybody had dealings with these and what do you know about them? Would be nice if we could prove there client is Lowell as I am sure this must be of interest to OFT?
  8. Forgot to mention I had another letter at the weekend which says the following: "In previous letters sent to you it was made clear that unless an acceptable offer of repayment was made we would take appropriate steps to recover the amount owing. As you have failed to enter into a repayment plan we may instruct an agent in your area to visit your home to discuss repayment of your account. Unless you make contact with us in the next five days our agent may contact you with a view to arrange a visit Monday to Friday between the hours of 8.00am-9.00pm. To prevent the above action taking place you MUST contact us URGENTLY so we can advise accordingly" Now I'm really scared:lol: Thought it would be more appropriate of them to actually find out if I owed the money or not before they start issuing treats.
  9. Have a read at this. All comments corrections and improvements greatly appreciated Dear Sir/Madam You have contacted me regarding the account with the above reference number, which you claim is owed by myself. I would point out that this alleged debt is disputed and Barclays bank have failed to provide any evidence the debt exists preferring to ignore the alleged debt since it became disputed. For the avoidance of doubt I acknowledge no debt to your company or any of your associated companies nor do I acknowledge any debt to Barclays bank Plc I would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods. Furthermore ignoring and/or disregarding claims that debts is disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment. I would ask that no further contact be made concerning the above account unless you can provide evidence as to my liability for the debt in question. I also require a copy of complaints procedure from Barclays and Lowells. I require written confirmation that this matter is now closed within 14 days. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions. Further more if I have to write to your company again regarding this matter or to, Trading Standards, the OFT, my MP, or the Financial Ombudsman Service, I will impose a charge of £12 per letter to cover the cost of postage stationary and labour, a further charge will be levied to cover the cost of legal advise as and when required I have also enclosed a Statutory notice under S10 Data Protection act 1998 If you are unsure of the implications of this letter or a Statutory notice under S10 Data Protection act 1998 I suggest you seek advise from fully qualified professional. I look forward to your reply. Yours faithfully Mr Miniconverter Enc: Statutory notice under S10 Data Protection act 1998
  10. What are OFT 664, plus the CSA's Code of Conduct?
  11. Thanks for the replies. I have been putting together a letter using bits mainly from GAC but will reassess it having toke a look at some of the ideas you have posted. When I have finished it I will post it and let you all have a look.
  12. Took action against Barclay's to recover my charges which was a long drawn out process but got the right result in the end. While I was in the process of claiming from them they put some more unlawful charges on my account but as I had already started court action it was to late to add these. While my account was in dispute they issued a default notice. I know I should have done something about it but was very busy and don't borrow money if I don't have the money I don't buy, so didn't really bother me. Some time ago I had various letters from a company called Debt Managers which must be Barclay's as it had the same return address on the back of the envelope, do they thing I am really that daft. Any way wrought to them asking for them to clarify what the alleged debt was for which they failed to reply too. I have now had a letter from Lowell portfolio claiming to have bought the debt. I then received another letter from Lowell financial claiming to be acting on behalf of Lowell portfolio asking for the money. What is the best line of attack as it would appear Barclay's have sold a disputed debt? Not worried about the money as they would get no where in court as they would have to produce proof of what it's for and as I know about 70% is for bank charges. Just want to give all the scumbags that think they can push people about a hard time and show them not everybody is scared of them. So any ideas of what to put in letters who to report them to and what codes of conduct or laws they are braking greatly appreciated.
  13. Just heard radio one chart show and has gone in at 25
  14. Sorry i haven't posted regarding this for ages but have been very busy helping a friend claim back his bank charges which we won on Wednesday this week. Yorkshire sent some clever solicitor type person to court and the first thing he said was it was uneconomical for his client to defend so the case has been stayed for 14 days to allow the bank to pay up. Anyway i will start my action against Bt next week now this is out of the way and I have a bit more time. Bt also charged me another £4.50 the week before Christmas so the amount is getting bigger all the time I will post and let everybody know what I am doing over the next few days.
  15. The simple answer stop buying French cars there nothing but trouble
  16. Bt haven't even acknowledged receipt of my letters sent the letter before action just over a week ago. Will go down to the court tomorrow or Friday and get an N1 which I will take in on Monday when there second 14 day period expires. Interesting to note they have cut you off animalmagic for none payment as I am sure this has much far reaching implications. If I go to court would you be prepared to let me have proof they cut you off as they threatened this action with me and I am sure this has got to be some kind of harassment forcing you to make an unlawful payment. I'am sure sombody will be allong soon that can tell us if this is harresment or somthing simalar.
  17. Ask them if they will replace the cam position sensor as a gesture of goodwill I bought a 51 plate 80000 mile primera with the management light on. The car hadn't been in a Nissan garage since it was 18 months old. I spoke to Nissan garage on the phone and told them it needed a cam sensor and they got me a goodwill claim from Nissan for both the crank and cam position sensors. Didn't even have to take it in. Sent parts to me and I fitted them myself as it only takes a few minuets and was more convenient than taking it to them.
  18. Micra will be a K12 if its on a 53. Only the diesel has a timing belt the rest have a chain. If it's a petrol it will be a CR engine I do no the QG engine fitted in Primeras and Almeras has a problem with timing chain stretch that puts the management light on due to cam and crank position sensors going out of phase but wasn't aware it effected the CR engine. If it needs a chain it will be financially painful as the labour time is 8.8 hours don't have a parts price to hand but it is a Nissan so they won't be cheap.
  19. I am going to take on BT as there payment processing fee is just another way of extracting my money and as far as I can see is unlawful. See http://www.consumeractiongroup.co.uk/forum/telecoms-mobile-fixed/115165-miniconverter-bts-4-50-a.html I will go to court if needs be. It may only be £4.50 but its my £4.50 and how many £4.50s are they taking must be making them £1000s
  20. On Friday night I rang BT to ask for a revised bill less the £4.50 payment processing charge. After speaking to various people and being on the phone for about 1 hour I finally realized all there staff had been brain washed into believing this charge was fair reasonable and lawful. I have therefor written the following letter which I will post in the morning Mr miniconverter Our House Some street Somwhere 24 September 2007 BTCustomer Services BT plc Correspondence Centre Durham DH98 1BT Account Number SL**** **** Bill Number Q***** Telephone Number 01********* Your complaint Reference 21***** Dear Sir or Madam, I am writing to complain about your penalty charge (named payment processing fee) you have forced me to pay during various telephone conversations on 21 September 2007 with threats of having my line restricted or late payment charges added to my account if I refuse to pay. At no time have I contracted with BT to pay by any particular method and as such retain the right to pay by any method including but not restricted to cash or debit card. If you believe I have contractually agreed to this charge or a specific payment method please forward me a true-signed copy of the contract in question. Further more this charge is punitive in nature and is not a true pre estimate of your liquidated costs, as it does not reflect the true cost of processing my payment. It is simply a method of increasing your revenue. You will be aware that the law states very clearly that a penalty charge of this nature is unlawful and as such unenforceable, and request that you provide me with evidence to the contrary if you refute this. In the absence of such evidence, I require the immediate return of the charge along with my costs which equate to Charge £4.50 plus signed for postage of £1.04 total £5.54. You will notice at this point I have added no charge for my time or stationary in an effort to be fair and to ensure I do not profit but reserve the right to add these costs at a later date if you fail to refund my money within 14 days. If you do not issue a refund, or you do not respond positively, within 14days, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments. After that, there will be no further communication from me and I shall issue a claim in the county court at the expiry of the second deadline. Yours faithfully, Mr miniconverter Has any one had a refund and has anyone taken them to court yet? What do you think to the letter?
  21. £1500 for tyres and shockers. What car is it?
  22. This is a common problem but causes no damage. Correct adjustment of the lock stops as previously mentioned and a smear of grease on the lock stops during service is all that is required. This used to be a problem many years ago on many vehicles but was very rarely heard of as cars where serviced with a bit more care by people that understand how they worked. Unfortunately we seem to now have factory trained technicians which most appear to be no more than factory trained robots with no understanding of how things work and have only been taught to service and repair parrot fashion Unfortunately there are very few mechanics left that can diagnose and repair efficiently the fact that they say nothing can be done about it proves my point. If you live any where near Sheffield I could cure it very quickly and at little cost
  23. Yes thats more or less how I understand it. I think I need to print some bits off and go and pay the police a visit and insist they either show me the legislation that allows a company to harras you or insist they take action. After all these people are living on the edge of the law and have now steped over the line Anybody else got any more links to helpfull bits of info Thanks for the help Still not got the spell checker working
  24. Earlyer this year I completed my dealings with barclays bank and have now bought a new car and am going on holiday ina couple of weeks. However since then I have had a couple of debt collectors chasing £238.41 explained the situation that I owed nothing and that was that. In May this year I got a letter from moorcroft debt recover asking for £238.41 so sent them a letter explaining that any ammount was fully disputed and requesting they sent it back to barclays. I also put in the letter the following : Further more I request you refrain from contacting me requarding this matter. Any attempt to contact me verbally by any method including but not limited to telephone or personal visit will be considered by myself to be harassment and puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997 and will be reported to the appropriate authority I also sent a leter to Barclays asking what the alledged debt was for they never replyed For about two weeks now I have been having numorous calls from moorcroft 10 a day some days but I can be ruder than them so it didn't bother me. However when I came home from work today my wife had changed the phone number because she was so upset about the number of calls and the way they spoke to her. I have phoned the police and to cut a long story short they have told me you can't be harrased by a company only a person and won't take action now I think they are talking b*****s Is this correct and which peice of legislation do I need to show them and does anybody have a link to it Ps sorry about the bad spelling but my spell checker seems to have stoped working:confused:
  25. Need a bit more info. Does the key have remote locking and if it does inside the key where you put the battery there should be a number usually on a paper tag with 5 6 7 or 8 numbers. Only the ones with 8 numbers can be reprogrammed without diagnostic equipment. If the key has no remote locking and only contains a transponder chip for the immobiliser again unfortunately you need diagnostic equipment. If it is a remote key with 8 numbers let me know and I can let you have programing info.
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