Jump to content


  • Tweets

  • Posts

    • 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
    • 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.  
    • 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 👍
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
        • Like

Andy v CapOne


andyford2000
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5530 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 166
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

feel a little scared and happy tooo

 

just hope i have done the right thing, cost me £108.00 of my hard earned money for this, wife gone mad at me, telling me we cannot possibly win this

 

LMFAO,

 

I had exactly the same from my Mrs when I first started on here.

 

1 new bed (Cap One) Washing Machine (LLoyds non compliance to sar)

car loan £1400 knocked off and a holiday for 4 (Lloyds again) has made her change her mind ;););)

 

You'll be fine, you'll have to see this one right to the end, due to PPI and Default removal, but you'll win.

 

Jogs

Link to post
Share on other sites

  • 2 weeks later...

Hi Andy sorry for the delay in replying, I have just done one for my friend.....

 

court paperwork submitted on 6th october. their deadline was the 20th..... I also put the ppi in her claim.... you will love this bit...... they did state they would defend and got the extra 14 days ( making 28 in total) they had till the 20th november......

 

they did not file their defence.......they sent a part payment....... so on the 21st Nov she applied for judgement and it arrived yesterday...

 

their part payment arrived after she had filed...... so she is now holding a judgement against Cap one and is deciding which option to take.....

 

let your wife read this one Andy and she will see that you can win.....

 

Well done you have done the right thing.....

rockin all over the world

Link to post
Share on other sites

I would phone them first thing on monday asking if they have in fact submitted, if they have'nt you should have a form with the claim you submitted. you tick box A..... take it in and hand it in ot the court.....

 

My friends was due ont he 20th, she went in on the 21st and had the judgement in her hand on the 25th..... it is now just a case of deciding which option to take for the recovery.....

rockin all over the world

Link to post
Share on other sites

How did you get on Andy?

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

Link to post
Share on other sites

  • 2 weeks later...

Hi Andy.

 

You could always write to them and acknowledge receipt of their offer. Tell them that IF they are prepared to remove the default etc. you will consider the matter resolved.

 

This will, at least, push them to say something - even if it's a curt 'bog off'. :D and it re-opens the negotiations. You can then, at least, consider your options.

 

Best of luck.

 

T. :cool:

Link to post
Share on other sites

starting to wonder if i have dobe something wrong in all this, i note that many people have held out and got the whole payments and interest back. they are actually only offering me the payments taken and NO interest, at court level i could at least expect 8% if i won, yet there has been no mention of an enforceable CCA, one of the main points is, they defaulted my account whilst it was indispute, surely this is right. this has also had detrimental effect on my credit rating, making it very difficult for me obtain any loans / new credit cards or worst of all changing ones mortgage to another lender because of the adverse comments recorded with Credit Reference Agencies.

 

please will someone clarify this and help me, settle it once and for all

Link to post
Share on other sites

Hi Andy

 

As this account was passed onto a debt collection agency just as you were about to file, the account was quite clearly in dispute at that time.

 

The default added was applied by them when the account was in dispute, so this breaks debt collection guidelines from the FSA, OFT etc.

 

You should accept the cheque as a part payment towards your claim. The money refunded will probably be all you will get, as they charge interest on the charges at the Purchase rate. They will probably turn up and fight to defend against your claim for compounded interest.

 

I would write back telling them that you will accept the payment, but the default removal, and all data added to the account whilst in clear dispute, is removed. Only then will you stop court action.

 

How long do you have before your court date.

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

Link to post
Share on other sites

Hi Andy

 

Sounds like your in a very similar situation to me, i received a similar letter. After looking through various posts on this site especially one by doo I responded to their letter with the following:

 

I am in receipt of your letter dated 10th December 2008.

 

Please be advised that I will not be accepting your offer and therefore my court claim still stands for the full charges, contractual interest and court costs. I am enclosing with this letter an updated schedule of charges as of today’s date to update you regarding interest that is currently accruing daily (£2.10 daily) and will continue to increase until this matter is settled.

 

Once again you are denying that these fees are unlawful and that they are based on the costs that you incur. I once again invite you to provide evidence of your actual losses or pre-estimate of costs in relation to the account breaches. Your silence on this matter leads me to believe that you will not disclose your costs for reasons that remain unknown. If you choose to continue not to address this issue, you will be requested to provide this information in court, I have put it in my Particulars Of Claim (POC) and can be addressed in court.

 

As my Particulars Of Claim state. I am claiming contractual interest (compounded daily) at 31.54% APR. which is the rate that has been applied to my account and is the most current interest rate applied according to my statements covered by this claim. The claiming of this rate is based in equity and a legal requirement for fairness and balance. As there is an express rate of interest in the contract for the benefit of the bank when it lends money, in my view there is an equivalent term which benefits the customer when the bank owes the customer money.

 

You state that my calculations are incorrect, I have checked over these calculations and they are not incorrect. Please note that I am claiming contractual interest compounded daily. I am aware that Capital One has been paying out on contractual interest (compounded) - for numerous claims and I shall not hesitate in providing these cases to the judge.

 

My POC also further states that ‘in the alternative’ should the court find that the claimant is not entitled to contractual interest, the claimant claims interest under section 69 of the County Courts Act 1984. Now having gone ahead and issued this claim I feel it is now for the Court to decide on the interest applicable and not Capital One. As such my claim still stands as before and I will be informing the court to that effect.

 

I think you have been presumptuous in assuming that I would accept your proposal as settlement. I have not accepted this amount as full and final settlement and when I receive the cheque I shall return it to you. In no way have I formally accepted this offer either verbally or written and you have no such proof to this effect . To make my position clear no refund is to be put onto my card and if such action has already been done without my authority then please be advised I am not accepting this and wish you to remove these funds.

 

I would also like to point out that you have not addressed the issue of removal of prejudicial information and the removal of the default notice as outlined in my Particulars of Claim.

 

I have checked with the court and no defence has been submitted by yourself as was ordered to do so by District Judge Butler by close of business on 15th December 2008. As such I am now in a position to issue judgement against you in this matter.

Should you wish to settle my claim in full, then please forward the balance of the claim £2636.47 to date, without conditions, and organise for the removal of default.

 

I trust this clarifies my position that court action will continue and your offer is not acceptable to me.

Hope that helps you a bit, let me know what happens.

I sent this letter off last Friday then on Saturday a cheque arrived through my letter box, however tempting it may be at this time of year I am sticking to my guns and sending it back as detailed in the letter:p

I have not yet issued judgement and am still a bit unsure about this, I am thinking of using it as a last bargaining tool i.e pay me in full or I will now go ahead an issue judgement what do you think?

Brownie:D

  • Haha 1
Link to post
Share on other sites

many thanks for that brownie, makes encouraging reading

 

Capital One file an acknowledgement of service on 21st November 2008, Todays date is of Course 23rd December 2008, which makes it 32days. Just spoken to the County Court and they have confirmed that Capital One have not filed a defence.

 

oh what to do, me is thinking of sending a similair letter to Brownies, but should i also file for judgement and accept the cheque only as partial payment.

 

thoughts please CAGGERS

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...