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    • You should start putting everything in writing. Even the ombudsman, to begin a serious complaint by telephone is quite frankly crazy. I hope you have taken a copy of at least the advertisement that you have posted above.  I don't suppose that you kept a copy of the original AutoTrader advertisement.  How much in writing have you got of anything? I would suggest also that you telephone the ombudsman tomorrow and ask them for details of the complaint that they have received from you and tell them that you want it in writing.  You will be amazed how scant The records of which are kept by these people. Read our customer services guide and at least actually give you some idea of how you should deal with customer service people or any call handlers on the telephone.  It is very important that you get a written summary of the report which you made to the ombudsman so that you can see exactly what they are investigating. The complaint to the ombudsman should have been very carefully considered over a period of time rather than simply made in a phone call
    • Funnily enough the ad is still available online Range Rover 4.4 SDV8 Autobiography LWB Previously Sold | Clinkard Performance Cars WWW.CLINKARDCARS.CO.UK Performance, Prestigious and Specialist cars Dealers in Romsey, Hampshire but the autotrader version isn't which was probably slightly different potentially with more information. Reported to FOS over the phone but essentially gave them the same information I've stated here, updating them that I'm paying for a car I haven't had for nearly a month now etc I'll certainly come back with an update. Fingers crossed they will realise it's not worth taking to court. So the inspection among other things found a hairline crack across a load bearing section of the chasis which at the minute to the naked eye looks tiny but could turn out to be catastrophic and has had some filler chucked on top of it but we'll see what Clinkards inspection comes back with. Distance wise I believe they're around 165-170 miles away from me. Also I'm sure many people will have PCP agreements as it's the most common way to buy cars under 5 years old but they just forgotten the terminology or name for it. Pay deposit, choose a length then pay the difference between value today and guaranteed future value at the end of that agreed term   Whole experience has scarred me and moving forward I'd be tempted to pay for a pre purchase inspection myself because these guys are bigggg traders with a lot of top end cars. I just hope they don't make any more silly offers
    • Strange final response. They say that they are still investigating but they are giving you their final response anyway. Seems like a load of nonsense. Have you got a copy of what you then sent to the ombudsman? Anyway, for the moment although would like to know – it really is all for curiosity because as you have put it into the hands of the ombudsman it's probably not worth doing anything more until you have a reply. I would suggest that when you decide to spend this kind of money in future on a used car, that you understand exactly what your rights are before you make the purchase. When you buy anything – and maybe especially used car you should realise that you aren't only paying for the car, you are also paying for a bundle of consumer obligations which are intended to bind the dealer. You are paying for a vehicle which is of satisfactory quality and remains that way for a reasonable period of time and you are paying for any defects which emerge to be addressed and repaired at the expense of the dealer. We've already pointed out that by purchasing the warranty, they have effectively persuaded you to pay for something for which you have already paid. Very decent of you not to want to cause trouble in respect of defects which manifested themselves within the first few weeks. I have no idea why. For £78,000…. This you say that they were age-related problems – that is still no reason why those defects should have been there or why the dealer should not have been responsible for them. It seems to me that you have a clear case against the dealer/the finance company. We don't have many or any PCP purchases on this forum. However, it seems to me that the finance company is probably responsible for the condition of the vehicle because effectively you have bought it from them and to that extent it should be the same as HP. With a hire purchase agreement, it is as if you bought the vehicle directly from the finance company not from the dealer and it is the finance company which bears all the consumer obligations. I think the only thing you can do is to monitor the situation. Update us when you hear from the financial ombudsman and if you need to take the matter to court then we will help you. In principle it should be straightforward – but certainly there is a risk of a serious bill for costs if you lose. I don't see you losing. Did you say somewhere that the report suggested that the vehicle was unroadworthy? Have you got the advertisement for the vehicle? Does it make claims for the vehicle which are clearly untrue? And by the way, four hours away from you is what kind of distance? Have you read our used car guide? Have you looked at the video?
    • there's one in this thread.. i wonder if its the same, they seem to be identical regardless each time we have a thread with one Vehicle Control Services Privacy Notice, Brooke Retail Car Park, HA4 0LN - Private Land Parking Enforcement - Consumer Action Group  
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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Lowell yet again..............


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Another harrased newbie apologies.My first contact with Lowell was before I started reading this fine board. I am not going to be too specific as it appears they read this board as well.

At the beginning of Sept. they left a message on the answering machine to contact them urgently.Niavely I responded and they told me they were chasing a £1,000 Visa debt from 1993. I genuinely had forgotten about it (its not on any of my credit reports) and denied all knowledge.To cut a long story short I suggested they had the wrong person and suggested if they had any evidence they should post it to me and I would have a look at it.

Since then they have not sent any written communication.But I receive about 2 or 3 phone calls a day from them which I never answer ( I recognise the number) and the occasional aggressive answering machine message.

I am fairly confident from reading these splendid forums I am doing the correct thing but is still very stressfull and I would appreciate some further advice.Thanks.

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The reason they haven't written is either because they haven't got your address or much more likely, none of them have learnt how to write yet.

 

Next time they ring, pluck up your courage and answer it. Have a note beside the phone of what you want to say-say it then hang up. If they drown you out before you have finished, hang up then-do not engage in any

dialogue with them.

 

Something along these lines-"are you still ringing me? I told you last time we spoke that I had no recollection of this debt-and I still haven't. I also asked you to write to me with full details. You haven't done so. Get your act in gear

as the next phone call will result in a strong complaint to my local Trading Standards office. I have already kept your ansaphone messages and my phone has been fitted with a tape recorder so anything you say will be

reported. Now I hope that this will be the end of your harassment. If not I will

question your suitability to have a Consumer Credit Licence. I have checked

my credit file and nothing is showing on there, so not only have you got the

wrong person, I have now found out that a debt that old is statute barred, so even the person you should be chasing is exempt from paying it. I trust

I will hear no more from you in the future. Goodbye." Slam the phone down.

Read it at a speed that makes it difficult for them to interrupt and do not pause at full stops or question marks. Practice saying it a few times and

then when you are ready, let them have it. Enjoy it. And reclaim your phone so you don't have to check who is calling.

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Next time they ring refuse to answer their security questions then,

before they ring off, insist on obtaining the name of the poor idiot who has called you, their place in the hierarchy, their telephone number and address.

Tell them you are logging the details along with the date and time of the call to provide evidence to make a complaint to the relevant authorities. Not for them but these include Ofcom, (harassment by telephone), Oft (questioning their right/suitability to hold a credit licence), information commissioner (misuse of database). Then ring off with a cheery byeee.....

In the meantime write a short, three paragraph letter to them telling them to remove your name and telephone number from their Sinclair ZX database. They must comply if you ask them to do so.

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If they do contact you in writing send the Leeds Losers the Staute Barred Letter.

As has been suggested they probably dont have my address.............but I am still confused about the phone calls.Do I just ignore them or should I (as has been suggested) confront them?

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As has been suggested they probably dont have my address.............but I am still confused about the phone calls.Do I just ignore them or should I (as has been suggested) confront them?

 

If you send the letter, just log down the fact they called you - date, time company. Put the phone down

 

If they call you more than three times, send a formal complaint under their complaints procedure. After that, complain to the Financial Ombudsman Service.

 

You might also want to complain to their trading standards, and the original creditor.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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As has been suggested they probably dont have my address.............but I am still confused about the phone calls.Do I just ignore them or should I (as has been suggested) confront them?

If they phone you, do NOT engage in any conversation with them hard as this may be. Clownells employ some of the most agressive ignoramuses of any DCA. As Tom says take a note of the date and time of the call. Once they identify themselves either set the phone down or leave it off the hook while you go and do something useful. They are paying for the call.

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If they phone you, do NOT engage in any conversation with them hard as this may be. Clownells employ some of the most agressive ignoramuses of any DCA. As Tom says take a note of the date and time of the call. Once they identify themselves either set the phone down or leave it off the hook while you go and do something useful. They are paying for the call.

 

It can also be nice to lay on some music... you know, toilett flushing, or whistle blowing, or perhapse the noisiest football hooter you can find.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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i have now had to set up a direct debit for money i have never ever spent money that i cant afford and dont know how to stop this

 

Chiropodist, cancel that direct debit now.

 

If this account is not yours then why should you pay anything at all. At the very worst, Lowell could take you to court where thay would have to prove the debt was yours and from what you are saying, they cannot do so.

 

Send off the CCA letter with the £1 fee ASAP and wait to see what happens.

When they fail to produce an agreement and they will fail if what you say is correct, report them to Trading Standards, OFT etc.

 

I would also see about reclaiming any moneys already paid as it is one thing paying a debt which is yours but with no agreement as opposed to paying somebody elses debt after threats and harrasment.

Of course I will pay you everything you say I owe with no proof.

Oooh Look....Flying Pigs

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They are still phoning , I am still not answering and have not received any written communication. Do they eventually give up ?

have you sent statued letter to them.they wrote to my son there debt is with hsbc my son says he did not have account with them at that time he was with nat west,now he has just got new account with hsbc surely if he owed money to hsbc he would of not got new account,his credit rating is fine so do you think they are pulling a fast one.

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have you sent statued letter to them.they wrote to my son there debt is with hsbc my son says he did not have account with them at that time he was with nat west,now he has just got new account with hsbc surely if he owed money to hsbc he would of not got new account,his credit rating is fine so do you think they are pulling a fast one.

They have never written to me just continual phoning , which I ignore.I dont really want to get in to written communication with them................

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  • 2 weeks later...

I have finally got a letter from Red who say they are acting on behalf of thier client Lowell (snigger).The letter mentions the debt but there is no proof of debt or even the date of debt. They mentioned by phone a couple of months ago now that it was from 1992.Its so lame I am half tempted to ignore the letter or is worth firing off the template letter to them ?

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If its from 1992 you need to send the Statute Barred letter to them.....

See thats the thing.They phoned us up a couple of months ago and told us the alleged debt was from 1992.We denied all knowledge of the debt and said if you think we have a debt send us some proof.They became aggressive and so we put the phone down on them.

I then did some research online and found this forum.Since then they have been continually phoning us (we never answer).

Then finally this lame letter from Red.It is the first written communication from either Red or Lowell. It has NO proof of debt and doesnt even mention the date of the "debt".Thats why I am tempted not to respond at all.

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You are under no obligation to write to them. The debt is so old and they

should not be pursuing you now for it. They know they cannot take you to Court because of the age of the debt.

It is just a question if you can last out all the letters and possible phone calls

they may send before they give up.

The one advantage of sending a letter to them telling that you know there is nothing they can do is the letters should stop. But if you can stand it, and

can't be bothered to respond, feel free.........it's their time and stationery

they are wasting.

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You are under no obligation to write to them. The debt is so old and they

should not be pursuing you now for it. They know they cannot take you to Court because of the age of the debt.

It is just a question if you can last out all the letters and possible phone calls

they may send before they give up.

The one advantage of sending a letter to them telling that you know there is nothing they can do is the letters should stop. But if you can stand it, and

can't be bothered to respond, feel free.........it's their time and stationery

they are wasting.

Sorry I am getting paranoid about it but is there any way sending the letter could encourage them ? By almost acknowledging them ?

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Sending them the Statute Barred letter shifts the burden of proof to them to prove the debt is Not Statute Barred. They are idiots so remember this when dealing with them. They are full of flatulence. Do not worry about them. Had they any proof they would have taken you to Court. They have diddly squat so its time you told them so.

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Sending them the Statute Barred letter shifts the burden of proof to them to prove the debt is Not Statute Barred. They are idiots so remember this when dealing with them. They are full of flatulence. Do not worry about them. Had they any proof they would have taken you to Court. They have diddly squat so its time you told them so.

Ok I will do the letter this weekend. Much appreciate your and others support.

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