hp agreement problem**WON**

[postggj]

confirm please

it has not been dated after your sigs

[pebs]

no date anywhere else on agreement exept by sales person signature.

[postggj]

i am amazed they still get muppets to fill out these agreements. they cant enforce agreement,not executed properly, check my thread as well wilson case.

this will take a lot of correspondents. use your timetable. get your cca and sar then get back 2 me. let battle commence. been there done that

[postggj]

pm me private message full agreement

[pebs]

I have just checked my insurance policy and I insured the car on the day I picked it up the 4th of the month, and the person signing the agreement has dated the 5th so I have drove the car away on the day before they signed the agreement!

[pebs]

I dont have a scanner to do that. I used my friends to do the other page earlier.

[postggj]

this gets better and better

[postggj]

i do need to see agreement to confirm pm me it private

[postggj]

dont lose the insurance document or send anything to welcome. dont want to tip our hand

[pebs]

No I am going to ring my insurer anyway for proof they have sent breakdown out to me

[pebs]

Can you tell me a bit about your case please? Pm me if you prefer

[postggj]

ill send u rundown

[pebs]

Thanks!

[pebs]

Spoke to previous owners of car (leasing company) and they have emailed me the cars history and guess what....car had more mileage 5 months before I bought it!

Not sure what this means in terms of getting out of this hp agreement but I have rang trading standards today and they think I may have a good case under the sale of goods act.

[pebs]

I am in dispute with car finance company over faulty car, car been clocked.

I sent a SAR and just got a load of photocopys of things like my id I used when took out finance, papers relating to the garage and broker and CCA.

I was under the impression I should have got a list of payments I have made, any charges on the account, lists of telephone calls etc

 

Can any one advise please?

[Lula]

well yes you should, they should be sending you ANYTHING that they have pertaining to yourself, what SAR did you send?

[pebs]

I got it from the generator in the templates section of this site, just chose the finance company option.

I sent the £10 statutory fee.

[Lula]

I would write back to them and say that you feel that they havnt disclosed everything, but apart from the payment schedule, what else were you expecting? not a document stating that they had clocked the car What grounds do you have for beleiving this?

[pebs]

Because when I got the car from the garage I got a mot that states the mileage. The car has been constantly breaking down so on advice from someone on this forum I was advised to contact the previous owner which I did, they emailed me the cars service history and bingo!

 

The car had a lot more miles on at its service 5 months before I got it.

 

I was hoping for my account details so I can see what they have been charging and also for a record of phone calls to prove how many times I have been on the phone complaining about a car that I cant use

[Lula]

ahhhhhh right, but I would think that with the evidence you already have you could go to trading standards

[pebs]

Yes I have been to trading standards.

 

I`m waiting for them to get back to me.

[pebs]

I want to write a letter back to the finance company though as I think they should provide me with some more information, especially account info.

 

Any ideas on what I could write please?

[ScarletPimpernel]

What you need is here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html Edit to suit.

[patdavies]

well yes you should, they should be sending you ANYTHING that they have pertaining to yourself, what S.A.R - (Subject Access Request) did you send?

 

Not quite. It is a myth that you are allowed a copy of anything.

 

The DPA only allows you access to anything held in a relevant filing system

 

Not everything about you will be held in such a system. The ICO website can help to define what is meant by a relevant filing system.

[pebs]

Ok havent updated on this for a while as know Welcome look in but today I have received the report from independant engineer who looked at the car.

In his opinion the car has a mileage discrepancy as there are signs of tampering on the speedometer although I already knew that as I obtained report from national mileage register.

 

He took car for test drive for 3 days and found all faults that I experience and so car went into dealer for diagnosis and they agreed that faults have been there since purchase.

 

To top it off Welcome are 3 months overdue with my CCA and SAR!