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  1. I have a 2012 Ford Focus that broke down 8 days after the extended Warranty on the Transmission Control Module (TCM) ran out. The local Ford dealer requested that it be treated as a warranty repair but Ford declined. The garage has asked me to contact Ford direct. From my research the TCM for the 2012 Focus is a long standing and known Ford issue. In Australia the warranty extension was to 7 years and in the US, the warranty extension was to 10 years. In the UK it is 5 years. Apart from facing a bill of £600 plus, it is particularly frustrating in that: 1. The car was
  2. I had a quickquid loan back in 2012 didn’t end up paying it back. It doesn’t show on my credit file. Quickquid sold it in 2013. It’s currently with PRA group who chase me for it sometimes. Now I was on a payment plan with payplan with last payment being in July 14. I asked payplan for records of who I was paying and I cant see anyone listed as quick quid theres one on there called Mackenzie Hall and cash window there the only ones I cant remember or are not sure who I might have been paying, I’m worried PRA might go to court before this is potentially stat barred(if I did make a
  3. Have just returned from helping a family friend out this evening, she was stranded at road side with puncture, and no spare wheel, car jack, wheel brace or emergency puncture repair kit in the car.The car was the lady's first and she bought on the basis of colour and because it was cute, in other words the car dealer saw her coming and quickly worked out she was not aware of what to look for when buying a car. So, tonight in pouring rain and in the dark at the side of the road I had to give her and her son a lift and abandon her car at roadside.Before, I call the 2nd hand car dealer tomo
  4. not even sure what this relates to but they have been trying for ages and not even sure if this belongs to me.....do I need to worry about it? edfenrgy_Redacted.pdf
  5. Hi How do I get rid of a closed account on my credit account which was a default from 2012? Thanks in advance.
  6. My Ford Focus 2012 auto has just gone into fords after dangerously shuddering and changing gear. They have told me it has a leak and the clutch needs replacing £1200. I’ve read about lots of issues with this part due to faulty seals. My car has only done 53,000. It had a TCM update 2 years ago when it was shuddering mildly. Ford are saying it’s my problem and not covered under any recalls etc. Has anyone else managed to get ford to replace their clutch with no cost? I’m fuming with them oh and the part is not in stock and they don’t know when they can get it - tells me they are
  7. I agreed to a Tomlin order back in 2012 with an agreed payment of £50 per month. My solicitor recommended we agree, having nuked a couple of other credit card debts for me. One of the terms was a voluntary charging order which never happened, I sold the house in 2015, never even considering the Tomlin Order. I have been paying the £50 pm since inception(2012) and not heard a peep from anyone until this week when RobWay, the DCA have been texting me to call them. Is there anything they can do, given I am in rented housing, to vary the Tomlin order? It does say subject to 6
  8. I have received a letter from B W Legal, stating that it is a `Discount Offer` to settle a PCN which they state has not been resolved. Their letter is in the usual format. Interestingly, they state that the contravention was dated 23rd June 2012, which I understand pre-dates the official inception date of POFA. I do not have any memory of this alleged event as the car was only in my name for insurance purposes and belonged to my son. As this pre-dates POFA, am I right to assume that if I state that I have no knowledge of the driver, especially after 6 years, they cannot en
  9. I own an auto 2012 Ford Focus, which I have just learned has an ongoing problem with the Transmission Control Module (TCM), there have law suits all over the US about it and several recalls. Over here in the UK it appears that the most Ford have done is to extend the warranty on the part to 5 years. In the US the extension was initially to 7yrs/100,000 miles, and more recently the extension has been now extended to 10years/150,000. miles in the US. Yet it remains at 5 years here in the UK. Our car has not been driving well; not shifting gears properly about 2 weeks ag
  10. Hi, so like many over the past few months I'm new to this site and have received a letter from Moriaty Law stating that I owe £877.55 from a loan I took out with Quick Quid back in May 2012. As I'm already paying one debt off with Moriaty I contacted them straight away and questioned it. I probably should have posted about this earlier before taking any action, but here's what's happened so far: I've asked them to provide all/any documentation they can in regards to the load as I genuinely don't remember taking it out. There's a fair chance I did as but I'd like to see proof first.
  11. Good Evening all, I was wondering if someone could help me with an issue I have about a Barclaycard that I opened in 2005. I build up a balance of around £4000 but paid it off in full in March 2012, I have clear evidence of this as I kept most of the statements and you see the balance goes form £4000 to £0000 (although the statements do not say payment received). I also have 22 following months statements with a balance of £0000. I did not use the account after I paid it off (cut up the card) and after receiving nearly 2 years of statements, they suddenly stopped and I thought
  12. Hello need some help with a CCJ letter received today from Mortimer Clarke, for what they say is a 2012 mobile phone account with EE that I can not remember ever having. I have had previous letters but not knowing what they were for just ignored them. It say I have 14 days to reply to the court letter or pay in full with their 75 pound charges on top what can I do. Regards Jdene
  13. CAG Newsletter - October 2010 01 -October 2010 Newsletter.pdf CAG Newsletter - November 2010 02 - November 2010 Newsletter.pdf CAG Newsletter - December 2010 03 - December 2010 Newsletter.pdf
  14. Good Afternoon CAG Firstly i would like to thank the people that helped me in my first two issues that are now resolved you know who you are much appreciated. I have another issue that involves opos limited in 2012 i was being contacted constantly bu this company they were even harassing my employers switchboard trying to contact me. in July 2012 I was asked to attend a HR meeting with my employer to discuss informally the nuisance calls that there switchboard was receiving from Opos Limited asking for me and being very aggressive with staff, I was asked for this to stop as com
  15. Hi all, Bought a hotpoint tumble dryer from John Lewis back in December 2012. So far I have had no problems. In december 2015 I received a letter (attached ) stating that the model I have TCFG87C6P, is faulty, a fire hazard and needs modification to make it safe to use. Now I have used the machine many times and gone out leaving it on, only now to find out that it could potentially have burnt the house down. Luckily this has not happened. I am aware the product is out of warranty but am I within my rights to request a new tumble dryer from John Lewis, considering that
  16. Hello, I have done some research on this forum (and others) and haven't found anyone in a similar situation. I have received a letter from BW Legal demanding payment of £174.00 for their client, Vehicle Control Services Limited, for a Parking Charge Notice (PCN). This 'PCN' was given as the car was 'Parked beyond the bay markings'. The letter has the standard 'fear' language such as 'if not paid we will commence legal proceedings' and 'If we gain a CCJ this will have a detrimental effect on your future creditworthiness and employability'. This letter is also signed 'BW Legal' rather
  17. Is anyone aware of BW actually going to the county courts and winning? Also how many letters will I be looking at receiving before I get a county court claim form? Mine dates back to July 2012!
  18. In n order to better understand the current position regarding the above, I thought I would put my understanding on here and then hopefully people will correct any misconceptions. The TCEA The immobilization of vehicles as part of the taking control of goods procedure, is covered by schedule 12 of the TCE. http://www.legislation.gov.uk/ukpga/2007/15/schedule/12 The power to take control of goods is given by section 13 of the schedule. 13(1)To take control of goods an enforcement agent must do one of the following— (a)secure the goods on the premises on which he finds them
  19. Hi I have 2 overpayments currently being reccovered from my ctc these are for 2011/12 I have being disputing and complaing etc since then. I have all my sars data with parts missing have wrote complaint about missing data also contacted my mp who contacted them. What i am wondering now I have majorityof call reccords and screen shots I feel it should go to offical error, however was wondering if i should await response from ministerial complaints or carry on and submit letter of official error.
  20. http://www.bbc.co.uk/news/uk-25213633
  21. Metro Bank increased its gross lending by 796 per cent in 2012. The bank’s returns show that in the 12 months to 31 December 2012, the bank advanced £62.7m to mortgage borrowers, compared with £7m in 2011. Total lending, which includes, mortgages, credit cards, overdrafts, term loans and corporate lending, totalled £168.1m in 2012, up 297 per cent on the £42.3m advanced to customers in in 2011. Figures published by the Bank of England earlier this month show Metro Bank has made good use of the Funding for Lending scheme with cumulative net lending of £171m from a base stock of £78m since
  22. http://www.osscsc.gov.uk/Aspx/view.aspx?id=3792 I've spent the best part of 2 weeks trying to get my head around this... has anyone had better luck than me? What are the effects of the ruling? I seem to interpret that anyone with mental health problems making a claim for ESA have been discriminated against if ATOS have not sent an ESA113 to their doctor. Is that right?
  23. The major UK banks saw a 45% rise in core profits in 2012, but that hike was wiped out by a mix of regulation and their own mistakes, a KPMG report says. Its performance report looks at Barclays, HSBC, Lloyds Banking Group, RBS and Standard Chartered. It says the banks' combined core profits last year were £31.5bn. But this was eliminated by the "cost of past mistakes and increased creditworthiness of their own debt", the audit firm's report says. "Dire" This development meant that the major banks actually saw their statutory profits slump 40% on the previous year, at £11.7bn,
  24. Hi, On 18th October my car was in Clackett Lane (M25 services) for over two hours as the driver had returned from the US overnight and feeling very tired and not wanting to cause an accident he fell asleep and overstayed. I just received the email shown below from Debt Recovery Plus Ltd in response to my email (I wrote to CP Plus Ltd stating I would be happy to see them in court and explain before the magistrate/judge what happened. Equally I will be happy to see you in court so please don't bother sending any further correspondence unless it relates to a court date as I will not be respo
  25. Hi Guys, Does schedule 4 of this act make any difference to private parking companys or is it only for Local Authoritys? Bit confused TBH http://www.legislation.gov.uk/ukpga/2012/9/schedule/4
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