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    • I found it cheers Dave!!   I think focusing on lack of compliance with legislation should be the one, seeing as we just lost the case to them by not complying, it will be worth pointing it out. I also want to poi t out their m.o. Which is less than honourable to say the least. Hopefully the judge will side with the little old lady and not the peoppe who use deceit to line their pockets!!   She said she is happy to speak up but is kindly asking for assistance in the form of a bullet pointed printed paper for her to take in so she can read out her points and leave it at that (without rambling).    Straight and to the point!!    Daves post #66 is legendary 🙌    Thanks for the help guys 😊    Let's kick some ass    
    • I differ from my site team colleague slightly in the the six-month rule applies if you have asserted your rights within the six months. My understanding is that you haven't asserted your rights during that time. In other words you haven't informed them that you are giving them a single opportunity to repair and if they decline or if the repair fails then you are rejecting the car for a refund. Please correct me if I'm wrong. On that basis, you are covered by the consumer rights act but not in terms of the right to reject. You are covered under the consumer rights act in that you are entitled to purchase a vehicle which is of satisfactory quality and remains that way for a reasonable period of time. You don't have to prove that the fault existed at the time of sale – although that's what they will try to tell you and even the motoring ombudsman will try to tell you that. But the motoring ombudsman is an industry led organisation which pretends to be an ombudsman but in fact favours the industry and its advice is wrong and even deceptive. I think you should start off by writing both to the finance company and also to the dealership. Describe the fault to them. Send them the evidence you have that the windscreen was incorrectly fitted and the damage which has been caused as a result. Send in the quotation for the work and require them to respond within seven days and that they must agree that the work will be carried out by a competent professional an authorised repairer. Not one of their cheapskate once. Also, you will want them to agree to provide you with a courtesy car. Also have you incurred any expenses associated with this? Travel, car hire, cost of inspections –?? Have you told us the name of the finance company? My site team colleague is correct that if they cause any trouble then you should see them as co-defendants. You can be certain that they will put their hands up. It will go to court. You would sue them for the cost of the work. You would recover your costs of the installation plus your court costs. I don't think you will be able to sue for the rejection of the vehicle on the basis of what you tell us in terms of having not asserted your rights. However you will be able to recover the cost of all the works – making good everything so that the car is in the condition that it would have been in had the replacement windscreen been properly fitted. I wonder who fitted the replacement windscreen? I think I would be out to sue them as well. Post the draft of your letter to the dealership and also to the finance company here so that we can have a look before you send it off. Incidentally to answer your question about what should you do immediately,  I would suggest that you send the letter tomorrow. Wait until the end of the week. If they don't respond or if they respond negatively, then write to them immediately and tell them that you are not prepared to do without the vehicle. As they have failed to respond to your putting work in hand and you will be approaching them for the costs of all the repairs and if they cause you any difficulty in you will simply sue them. A bill of about £4000 is easy. It puts you within the small claims track so there is no risk of costs even if you lose – which is most unlikely on the basis of what you say
    • Thanks I have been reading quite a few this one got me as it did say they have instructed them to take legal action but thanks again your a legend 
    • Yes we will be emailing them. We have kept a log of all conversations with everyone involved and backed up conversations with emails 👍
    • 'they' dont send court letters. only a sheriffs court can do that if the debt OWNER is brave enough to request they raise a court claim......... unlike E&W the scottish legal system is far more geared toward empowering the consumer and always put claimants to strict 1000% proof they are the legal owner of a debt, are legally due payment and hold the all the correct enforceable paperwork. just read a few Nolan SPC threads... dx  
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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.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Complaining to the Financial Ombudsman Service


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And I definitely agree with the idea of getting a group of us together to complain to watchdog! The simple fact is, mis-selling and mislaying of CCA agreements has been rife amongst banks and just because ordinary hardworking folk are educating themselves about their legal rights after years of banks screwing them over (and in turn are giving the banks a taste of their own medicine), the banks see it fit to ignore the law and are fully supported in their actions by the FOS. The CCA is there to protect the consumer, bottom line. If a bank holds a consumer credit licence, they should face the consequences if they don't comply with the Act and regulations. We are always held accountable for every rule we break, so why shouldn't they be?

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And I definitely agree with the idea of getting a group of us together to complain to watchdog!

 

I would be happy to co-ordinate this.

 

Suggestions of how to go about it would be appreciated. Perhaps anyone who is interested could write a brief summary of their complaint against the FOS (e.g. despite clear breach of OFT guidelines refused to uphold complaint) and PM it to me with their email address.

I could then compile a list of 'complainants' and send it to Watchdog who would be free to contact any and all of us if they wanted further details. Of course I would give an absolute undertaking not to use email addresses for any other purpose and to delete them as soon as I'd contacted Watchdog.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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I would be happy to co-ordinate this.

 

I'd be a part of this.

 

I have a huge gripe with the FOS and am losing thousands because of their bias.

 

I also think we should do something with the media as well, as a poster suggested on here.

 

We need to let them know what the FOS is really like, not what they say they are like.

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You need to formally complain to the bank's complaints department before complaining to the FOS. The FOS must know the bank has given their final reply to all your complaints before they will consider a complaint to them.

 

I have complained about the harassment (to Mercers & Barclaycard), made formal complaint about not providing CA and formal complaint about passing my details to RMA while account in dispute.

 

---------

 

Well, calls from Mercers finally stopped on 29/10/08 (two months after sending letter)

 

Barclaycard say they don't need to provide CA (see letter here: http://www.campbellphotographic.co.uk/images/barclaycard0002.jpg) and also that they do not consider the account in dispute so will continue trying to recover debt.

 

But no mention as to whether this is their final reply.

 

Passing my details to thrid party while account in dispute seems to have been ignored (or maybe they don't see it as an issue because they don't consider the account in dispute?)

 

Have I done enough to now go to the FOS, or do I have to make one big formal complaint to Barclaycard about everything listed above?

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I have complained about the harassment (to Mercers & Barclaycard), made formal complaint about not providing CA and formal complaint about passing my details to RMA while account in dispute.

 

---------

 

Well, calls from Mercers finally stopped on 29/10/08 (two months after sending letter)

 

Barclaycard say they don't need to provide CA (see letter here: http://www.campbellphotographic.co.uk/images/barclaycard0002.jpg) and also that they do not consider the account in dispute so will continue trying to recover debt.

 

But no mention as to whether this is their final reply.

 

Passing my details to thrid party while account in dispute seems to have been ignored (or maybe they don't see it as an issue because they don't consider the account in dispute?)

 

Have I done enough to now go to the FOS, or do I have to make one big formal complaint to Barclaycard about everything listed above?

 

Yeah they didn't tell me either whether it was their final reply but it probably is. The bank may not think that the account is in dispute but how can they tell you that the account is in dispute when you dispute it? I would tell them that the lack of a CCA agreement is a clear dispute as they have no right to make demands for payment, etc until they can produce a true copy in accordance with your CCA request. You sent a SAR as well?

 

I think you have done enough to go to the FOS but maybe also make a big formal complaint to Barclaycard as well (and enclose it with your FOS complaint along with all other correspondence btwn you and Barclaycard). As you may have figured already, the FOS may not be so unbiased as it should be.

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Yeah they didn't tell me either whether it was their final reply but it probably is. The bank may not think that the account is in dispute but how can they tell you that the account is in dispute when you dispute it? I would tell them that the lack of a CCA agreement is a clear dispute as they have no right to make demands for payment, etc until they can produce a true copy in accordance with your CCA request. You sent a Subject Access Request as well?

 

I think you have done enough to go to the FOS but maybe also make a big formal complaint to Barclaycard as well (and enclose it with your FOS complaint along with all other correspondence btwn you and Barclaycard). As you may have figured already, the FOS may not be so unbiased as it should be.

You don't have to have received a final response/reply from them to make a complaint but 8 weeks have to have passed since you made the original complaint....the FOS will ask them for their response if they have not done so in 8 weeks. Otherwise the Financial providers could just refuse to give you a final response and keep you in limbo forever.

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I have had three complaints with the FOS submitted at the beginning of August 2008. I have to admit that from the start they have just completely befuddled my poor brain. Two of the complaints were for two different accounts with the same lender....therefore I treated them as separate complaints, but the FOS seem to have lumped them together despite the fact that they are very different complaints...on one account I have just been fobbed of with an application form instead of a CCA and on the other they have just completely ignored all correspondence from me. I actually asked the person at the FOS when he phoned me to let me know in his letter which complaint was which as the reference numbers seemed to give no clue....but he still didn't:roll:

 

As for the other complaint the FOS started going after some company (who are apparently the parent company for one of the seemingly multitude DCA's that the bank pretend have nothing to do with them) who I have never even heard of and certainly not made the complaint about, when I questioned them about this they seemed just as confused as I am:confused:

 

I am not holding my breath for any kind of resolution from these loons....but at least it gives me something to tell the latest DCA that the bank have passed my account onto.

 

p.s. apologies if that made no sense....that really is how it seems to me at the moment.:mad:

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I was going to send a complaint to FOS about Barclayshark re:-

 

1. Breaches of the OFT Guidance on Debt Collection

2. Breaches of the Consumer Credit Act, 1974

3. Breaches of the Data Protection Act, 1998

4. Breaches of the Communications Act 2003

5. Breaches of the Malicious Communications Act 1988

6. Harassment as defined in the Protection from Harassment Act 1997 and the Administration of Justice Act 1970

7. Breaching the rights to privacy provided to me by Article 8 of the Human Rights Act 1990

8. Breaches of the Consumer Protection from Unfair Trading Regulations 2008

9. Use of threats and intimidation designed to cause emotional distress

7. General Administrative failures

 

QUESTION TO THOSE WHO KNOW: Can any of these be considered criminal acts?

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I would be happy to co-ordinate this.

 

Suggestions of how to go about it would be appreciated. Perhaps anyone who is interested could write a brief summary of their complaint against the FOS (e.g. despite clear breach of OFT guidelines refused to uphold complaint) and PM it to me with their email address.

I could then compile a list of 'complainants' and send it to Watchdog who would be free to contact any and all of us if they wanted further details. Of course I would give an absolute undertaking not to use email addresses for any other purpose and to delete them as soon as I'd contacted Watchdog.

Sounds like a great idea to me :)

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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In the morning, when sober (ish!) intend to start a new thread for this as we seem to be hijacking the original purpose of this one.

 

You wouldn't believe how long it took to type that right (or is it write?). I'm having a belated New Year celebration. I's allowed.

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RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Deffo allowed a bleated new year celebration its not to late still on Dec 30th 2009 IMHO :lol:

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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In the morning, when sober (ish!) intend to start a new thread for this as we seem to be hijacking the original purpose of this one.

 

You wouldn't believe how long it took to type that right (or is it write?). I'm having a belated New Year celebration. I's allowed.

 

New thread here:- http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/175651-complaints-about-fos.html#post1896353

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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  • 1 month later...

My OH's complaint to the FO was pointless to be honest, they gave barclaycard another 2 months (on top of the 2 they've already had!) to reply to our complaints. Also they won't get involved in making them produce his CCA oh and on the day that FO contacted barclaycard they started calling 10 times a day with only 3-5 minuite intervals between calls just to harass us!

 

FO is a waste of space and to my mind just a buddy to the banks!

Jo

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  • 8 months later...
  • 2 weeks later...

Just spent a couple hours reading all the posts on this thread.

 

The first few pages were amazing! Then I couldn't help feel the negativity concerning the FOS. We must keep up the fight!

 

RMW - thank you so much for your posts and don't let the B'tards get you down!

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the do indeed seem to be a waste of space but i think it important that people still keep complaining

 

they WILL be audited and if they are not receiving complaints they will be seen to be doing their jobs properly hence the need to keep them under pressure

 

sooner or later they will have to bare their teeth

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