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    • You typed it in? actually typed it all out? if so, maybe you took too long or something, like session timed out. Does the status show defence filed or no change?
    • Hi just typed all defence clicked next and it's deleted all. Any help
    • I forgot to say, there is one last possibility and that is that they will receive your letter of rejection and simply fold, accept the rejection and refund you. Don't wait too long for this. Seven days maximum – but in that seven days you could send your letter of claim anyway and when that you don't hear from them or when they start mucking around at least you are seven days closer to beginning the legal action – and they will know it (which is the important thing).
    • Okay that is excellent that you have an email between the garage and the warranty company confirming that there is a serious problem with the gearbox. That is very powerful evidence. I think the situation is this: you have sent them a letter of rejection but the reputation of big motoring world is that they won't take a lot of notice and they will try to prevaricate and maybe even blame you. Clearly you don't want the car any more and anyway it sounds as if the cost of repairs is going to be enormous. You don't know if the warranty company is going to step up to the mark but the whole thing is going to take a long time and I understand that you have lost confidence in big motoring world because of this event and also their reputation which you are now discovering on Facebook and on this forum and no doubt elsewhere. On the basis that you don't want the car any more and you want your money back, you need to hurry things along. I think the first thing is that you need to decide if you are prepared to bring a claim in the County Court. Even without the warranty money, the claim is worth more than £10,000. For actions less than £10,000, you bring a "small claim" and this means that even if you lose the case you won't be liable for the other side's costs. If you win the case then not only will you get your money plus interest but also you will recover all of the costs of the action. For actions more than £10,000, you go to something called the "fast track" and in the event that you lose the case, then you could be liable to reimburse the winner some of the costs. This means that in addition to not recovering your own money, you would lose your own court fees and also you would have to to bear the costs of the other side probably something less than £5000 – but as a rough guess. If you bring your court claim then your chances of success are almost 100%. Frankly if you brought a court claim then I can imagine that big motoring world will put their hands up and pay you out rather than face go to court and losing and getting a judgement against them. However, it you need to consider that this is a risk factor – although my view it is a negligible risk factor. If you did bring a court case, it wouldn't be instant. If they put their hands up then it would probably happen very quickly. If they didn't put their hands up then you could take anything up to a year for the matter to be resolved and during that time you would be without your car and without your money and in the middle of litigation. I'm explaining this to you say that you understand how it works. Bring a court case would be really the last resort when everything else has failed. However, I'm quite certain that you would win and it would be stupid of big motoring world to try to resist. In order to bring a court case you would have to send a letter of claim giving them 14 days to accept rejection and organise the refund otherwise you would begin the claim. Don't imagine that you could bluff this. If you did send a letter of claim then you would have to go through with it otherwise you lose all credibility and you might as well pack up and go home. So with this in mind, here are possible courses of action you could take. You can simply wait and see what their reaction to your letter of rejection will be. However they may not reply or else they may find some other reason to delay and of course during that time you will be without your car and without your money blah blah blah, not knowing if big motoring world were going eventually to start acting sensibly and respectfully towards you. The second thing you can do – and I think this has been suggested on Facebook – is that you can go along there and simply make yourself present and talk to other customers and generally speaking make a nuisance of yourself and embarrass them to the point where you would be explaining to other potential customers to be careful, to look on Facebook, and to do some careful research before they put their business to big motoring world. This has a reasonable chance of success although you would have to be careful. You should go accompanied by a friend and there should be no anger, no arguments, nothing that could be considered as being overly aggressive so that big motoring world would have no justification in kicking you out or even worse, calling the police. If you did this, then I would suggest that you record everything on the telephone carried in a pocket. A fully charged battery will probably keep a voice recorder and a telephone going for more than 20 hours or 30 hours. The other person can video any incidents so that everything is clear and you can inform big motoring world then it will be going up on the Internet. If you did this, my favourite option would be to issue the letter of claim giving them 14 days, and then going along to big motoring world with a copy of your letter of rejection and a copy of the exchange between the mechanic and the warranty company and a copy of your letter of claim – all settled together – and probably about 20 or 30 copies in all and I would start handing them out to any customers who came in. Big motoring world will soon get the picture and they will either move your the premises in which case you stand outside and carry on doing it or they will finally give in. Of course there is a chance that they won't give in and they will simply call your bluff – but in that case I think you have no choice other than to follow through with your 14 day threat in the letter of claim and to begin the legal action. At the same time you should be putting up reviews on Google and also trust pilot explaining exactly what has happened and also explaining that the mechanic has confirmed to the warranty company that there is the serious problem, that you have asserted the right to reject and that this is been ignored by big motoring world and that you have now sent a letter of claim and that you will be starting a legal action in 14 days. Once again, don't bluff about the legal action. If you threaten it – then you must mean it – and on day 15 you click of the claim. You don't need a solicitor for any of this. It's all fairly straightforward and of course we will help you all the way that it the decision is yours to make and I think you need to make it fairly quickly. I think the cost of starting an action for about £13,000 is 5% and then also if it goes to trial which I would say is almost impossible – there would be an additional fee. You would claim interest at 8%. A judge might award a lower figure but frankly if you can show that big motoring world is attempting to ride roughshod over your very clear statutory consumer rights, I can imagine that the judge will want to show displeasure by awarding the full 8% which is a pretty good rate – even though it's not compensation for the hassle and the distress you are going through. If you decide to get solicitor, then if you win the case, because it is over £10,000 you will recover some of your costs but you won't recover all of them. If the solicitor begins by having exchanges of letters then I doubt whether you will be up to recover the cost of those and you could easily find that you're chalking up 500 quid or even a thousand simply on initial exchanges of correspondence. Also you need to bear in mind that if after having exchanges with a solicitor, big motoring world cave in – then you definitely won't get those costs back because you won't have gone to court and therefore a judge will not have made the order for payment of those costs. I suggest very strongly that you avoid paying any money for a solicitor and that you do it yourself. It's not a big deal – although you will have to you react quickly to the help we offer on this forum. Also, an additional benefit is that you will learn a lot and you will gain confidence and eventually you will feel good about suing anybody else who gets in your way. Nothing not to like! If you do decide to instruct a solicitor then you must take control of the solicitor. Most of them prefer to sit in an office writing letters on the clock. If you do decide to instruct a solicitor then you must instruct the solicitor very firmly that they should send one letter of complaint giving seven days. A second letter – a letter of claim giving 14 days and that they must then begin the action. If you don't do this. If you don't take control then it will simply cost you money, you will be without your car even longer and of course without your money. The whole thing is a nightmare. I think I've laid out the options but please do ask questions. I hope you can see that this is the kind of advice that you won't be getting on Facebook. Nothing against Facebook. It's good as a meeting place and to make people realise that they aren't on their own – but after that the advice given is weak and confusing.  
    • What makes you say that?  I have no idea how I would go about that or why they would even entertain discussions now that they've won the Court case
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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 
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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.

      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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PPI - how long for a reply


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Hi folks

 

Can anyone advise me on how long I should wait for a response to a mis sold PPI claim on a credit card?

 

Many thanks

 

Doc :?

 

Hello Doc and welcome,

 

How long did you give them in your letter????? and how long have you been waiting. Have they gone over their own timescale for investigation

 

They do not rush to respond to you, so you need to be chasing them up.

 

Did you send everything recorded delivery and are you sure that they received it???????

 

Can you tell us a bit more about your claim and where you are at with it:-D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hi Hellhasnofury

 

Thanks for your welcome and your speedy reply.

 

Unfortunately I didn't put a timescale in my letter to them, requesting a refund of mis sold PPI.

 

I am writing on behalf of my OH.

 

I sent everything to them by recorded delivery on the 9th Sept.

 

I haven't checked that they have received it as yet, I'll check online via the post office website.

 

I had already sent an SAR and received from them printouts of the credit card statements along with PPI charges.

 

I sent a letter off requesting a refund along with the schedule outlining the PPI that was added to the CC bill each month (&More CC £1400).

 

Your help in what I should do next would be welcome?

 

Regards

 

Doc

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First check they have actually got it. I know you did not give them a timescale and most companies complaints proceedure response time is 8 weeks, but I always ignore that and give them 14 working days. If feel this is more than enough time for them to investigate (and print out there standard fob off letter :D).

 

I try to dictate the time, not let them - not easy but it puts you in control.

------------------------------------------------------------

 

First Direct - Refund of Bank Charges...... **WON** (Offered full amount of £5200 2 days before court)

 

Amex - Refund of charges..... **WON** (£330 refunded without much fight)

 

First Plus PPI - **WON** (Full Refund of over £7000 + Interest)

Norton Finance - Owe me over £6000 for mis-sold PPI - Starting court action in the new year!

Barclaycard PPi - Ongoing (Being complete tos*ers!)

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  • 2 weeks later...

Hi folks

 

I have checked that they signed and received my letter via the post office tracking service, can anyone advise me to what I should do now? Do I send an LBA off stating that I have given them enough time to respond?

 

any help would be much appreciated.

 

many thanks

 

doc

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Hello Doc

 

You have two choices here: 1) send a polite but firm reminder letter, giving them as a large organisation an additional 14 days in which to investigate your complaint and enter into sincere dialogue with you. You are a reasonable person after all :) 2) send your LBA outlining the case for mis-selling, demonstrating how they have mis-sold PPI and the rules and guidelines the lender has breached in doing so.

 

If you need any more help, just shout ...

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Hi Paintball

 

Many thanks for your quick reply....can I be cheeky and ask if you would be able to send/give me a form of words that I could use?:)

 

thanks

 

Doc

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Hi folks

 

does anyone know if there is such a thing on the site as a LBA PPI Template.

 

I have looked and looked, however I may not be searching properly, but I don't seem to be able to find one?

 

I really want to send an PPI LBA off as soon as possible as i feel that they have been given ample time to at least respond to my letter sent (recorded) on the 9th Sept 08.

 

Any help is much appreciated.

 

Many thanks

 

Doc

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Hi Paintball

 

Many thanks for your quick reply....can I be cheeky and ask if you would be able to send/give me a form of words that I could use?:)

 

thanks

 

Doc

No probs ...

Hi folks

 

does anyone know if there is such a thing on the site as a LBA PPI Template.

 

I have looked and looked, however I may not be searching properly, but I don't seem to be able to find one?

 

I really want to send an PPI LBA off as soon as possible as i feel that they have been given ample time to at least respond to my letter sent (recorded) on the 9th Sept 08.

 

Any help is much appreciated.

 

Many thanks

 

Doc

 

Hi Doc

 

There is a generic template for bank charges but I'm happy to help you prepare your own LBA for your PPI claim as there is a whole lot of additional information and legislation that you can use to help your claim.

 

To help me with this, could you please post up the gist of your first letter so that I have as much info as possible: loan/card account, date it was taken out, how the PPI was sold to you (face-to-face or telephone), advised or non-advised sale (if you know this), was the salesperson pushy, etc, etc.

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Hi Paintball

 

Many thanks again for getting back to me and looking at my PPI claim.

The credit card was for my wife, she filled out an application form, so there wasn't any sales advice given regarding the PPI, as far as she can remember it was a tick box.

 

Here is the letter that I had sent off, as yet I haven't received any response, I checked the Royal Mail tracking site and they did sign and receive the letter.

 

Mr Jamie Davies

The Data Protection Representative

Marks & Spencer Money

Kings Meadow

Chester

CH99 9FB

9th September 2008

Dear Sir,

Re: &More Credit Card Account:

 

I purchased a PPI from you, however I now believe that I was mis-sold this policy for the following reasons:

 

This is due to the fact that your member of staff did not ask me about any previous medical conditions and they did not inform me of the effect this could have on the insurance when the policy was sold.

 

This is due to the fact that I do not believe that my policy was sold in my best interests.

 

This is due to the fact that I was not given the correct information when the policy was sold to me,

 

  • I was not asked whether I had any other insurance which would cover the loan.
  • I was not told I could buy a PPI elsewhere to cover the credit card.
  • I was led to believe that Payment Protection Insurance was compulsory.
  • It was not explained to me that there were certain exclusions within the policy that could affect me.
  • The Terms & Conditions of the small print were not fully explained to me.

Unless you can satisfactorily justify to me that the PPI was fair and reasonable, I am requesting a full refund of all my PPI payments (£1188.27), as I believe I have been deprived of this money I also expect 8% statutory interest, the amount a court would award, to be added to each payment made (£267.76 interest @ 8%) which totals £1456.03.

I look forward to a full and prompt response to this letter and for the matter to be concluded or I shall be contacting the Financial Ombudsman to investigate my complaint.

 

Yours faithfully,

 

enclosed. Schedule of Claim for Charges (14/12/03 to 13/03/07)

 

 

Again many thanks an I look forward to your further help:)

 

 

Doc

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Hi Doc ...

 

You don't say when the loan was taken out, but I take it from your first letter that it was in 2003.

 

You could send them the following:

 

 

Date

 

LETTER BEFORE ACTION

 

 

 

Re: Account xxxx

 

 

Dear Mr Davies

 

I write to inform you that I am extremely disappointed in your lack of response to my intitial complaint about mis-selling of Payment Protection Insurance (PPI). I wrote to you on 9 September 2008 and have proof that my letter was received and signed for by an individual within your organisation. I have not even received an acknowldegement of receipt of my letter. I hereby repeat my assertion that I have been mis-sold Payment Protection Insurance (PPI) taken out on the above named account on date.

 

At the time of opening my More Than credit card account, PPI was added to the account as a direct result of a 'high pressured' sale by your salesperson.

 

 

I hereby repeat for your information, the reasons for my complaint about mis-selling, and more importantly, would like to express my disappointment that Marks and Spencer, an extremely well respected organisation, should resort to such poor sales practices. I assert that PPI was mis-sold to me for the following reasons:

  • I was not asked whether I had any other insurance which would cover the loan.
  • I was not told I could buy a PPI elsewhere to cover the credit card.
  • I was led to believe that Payment Protection Insurance was compulsory.
  • It was not explained to me that there were certain exclusions within the policy that could affect me.
  • The Terms & Conditions of the small print were not fully explained to me.

Marks and Spencer had an obligation to me the borrower, to provide sufficient and appropriate information to enable me to make an informed decision as to the suitability of the PPI to meet my needs and financial circumstances. I should also have been made aware of alternative options available, or comparative costs of similar PPI products from other suppliers, which information as a well known financial institution, you would most certainly have had access to.

 

The Financial Services Authority (FSA) provides guidelines which Marks and Spencer should adhere to while making both Advised and Non-Advised sales. Where a Non-Advised sale takes place, "The customer must, however, still receive sufficient information on the product to enable them to make an informed decision as to whether it meets their own demands and needs." (FSA)

 

At no point did I receive any such information, either by letter, document or telephone call which followed the above guideline. The documents that I hold, do not contain any of the information that I have outlined above and cannot, therefore, be deemed as meeting the standard of care which you should have provided.

 

I reposed absolute trust in your ability to provide me, your customer, with a reasonable level of care and skill in ensuring that my best interests were met when taking out a finacial product with your organisation. This has not been the case and I am extremely shocked and disappointed.

 

I would further suggest that the Principles of Business which are legally binding upon Marks and Spencer under the Financial Services and Markets Act 2000 and which are contained in the FSA Handbook, have not been followed. Therefore you are in breach of regulations.

 

I would remind you that the FSA takes the mis-selling of PPI extremely seriously and you will be aware that recent investigations by both the FSA and the Competition Commission have found that lenders continue to engage in "poor sales practices" and that "customers were not informed orally of both the monthly and total cost of their PPI". (FSA report 30 September 2008).

 

I request the return of (insert amount here plus interest) within 14 days of receipt of this letter by you. If you do not comply with my request, I will have no option but to refer my complaint to the Financial Ombudsman Service (FOS)/issue court proceedings against you for return of monies. I should remind you that the FOS take the issue of mis-selling of PPI extremely seriously and in many cases, have imposed large fines on financial institutions who are in breach of regulations.

 

I look forward to receiving a positive response from you within the prescribed time limit.

 

 

Yours sincerely

 

 

Your wife's name here

Edited by Paintball
oops, typo!
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Hi Paintball

 

I removed the line "high pressured sales" from the LBA as there wasn't any sales advicegiven around the PPI.

 

Doc

 

Probably best to substitute something more appropriate then to indicate the level of disatisfaction you have with the whole PPI sale process ...

 

However, you can still feel that you have been pressured into purchasing a PPI product, even though no alternative information is provided to you of say other insurance options available to you.

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  • 2 weeks later...

Hi Paintball

 

I have just received a reply from M&S Money today, saying :-

 

"Thank you for your recent enquiry. In view of the nature of the matters you have raised,enquiries are currently taking place and when these are complete,we will write to you again. I envisage that a full response will be sent to you within the next four working weeks, when I do hope matters will be resolved.

 

I'm formally obliged to advise you of Marks & Spencer Money's complaint handling procedures and I enclose a copy of our "How Can We Help You" leaflet that sets out the relevant details for you.

 

Once again, thank you for taking the time to contacy us, I'm only sorry that it has been necessary for you to do so.

 

Yours sincerely

Eleanor Warleworth

Customer Relations Team"

 

Would you have any further advice, as this sounds like "stalling" tactics to me?

 

If I pass it to the FOS, there surely will be another long delay, as the FOS appear to be "snowed" under with complaints!!

 

I look forward to hearing from you soon with your usual sound advice.

 

Doc:mad:

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Hi Doc

 

Yes it is the standard four week investigation letter. I have received one myself from BISL and will be very reasonable and allow them the four weeks ... and no longer.

 

I have written to tell them that as a large organisation I feel that four weeks is more than ample time to refer back to the FSA regulations and the Banking Code of Practice etc etc, in order to refresh their minds as to whether they have treated me fairly etc etc ... :rolleyes:

 

After this time, if I have not received a satisfactory response, they will be receiving a rocket from me ... will M&S be getting one too from you?

 

 

:)

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Hi paintball

 

i thought that I had given them more than ample time to come back to me , rather than a "yes we'll get back to you in 4 weeks time" them calling the shots....I'm sure that I have given them more than ample time for a refusal and now you're advocating that yes this seems reasonable...I'm sorry but I'm really Fuc*ked off with their "oh we'll get back to you" in 4 weeks time...where is the balls to say that we have the control!!!!!

 

I thought the next step was court action, after all in my previous threads I had been very amiable, awaiting for them....I'm sorry to rant but I'm a bit:evil:( to say the least) !!! ****ed off with waiting when it suits them!!!:?:?:?:?:?:?

Maybe in the morning I'll see reason but I thought, somehow I was in control not them!!!

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Hello Doc,

 

Just catching up with your thread and see you are getting great help from painty:grin:

 

Now I do have experience of the lovely M&S and how they must informally obliged to cover up and deceive their customers:lol: I have a sack full of these standard template letters from them.

 

Can I ask if your OH originally started with a store card and then M&S upgraded it to the &more credit card. It would be important to know this please.

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hi HHNF

 

Yes Paintball is being very helpful, and I must apologise for being soooo angry, It was not pointed at paintball, please forgive me.:)

 

My OH took it out as a credit card from the start.

 

many thanks

 

Doc

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Hi HHNF

 

Yes Paintball is being very helpful, and I must apologise for being soooo angry, It was not pointed at paintball, please forgive me.:)

 

My OH took it out as a credit card from the start.

 

many thanks

 

Doc

 

Hiya Doc,

 

These companies do make us rather angry and frustated, but you will be smiling in the end:-D

 

It is there purpose to drag out complaints, make it difficult and not be at all helpful, in a hope that you will go away:wink:

 

But we won't:-D.

 

The reason that I ask, it that I am currently in legal dispute with the good old M&S regarding a account. This was originally opened as a store card and in 2004 I think, they sent me a lovely new credit card,& more money, which could be used in other stores. naughty naughty. They got absolutely slated by the credit regulators for this.

 

When I sent them a request under section 77/78 they provided me with the application form that I signed in 1999 for the store card. I won't go into too much detail, but this has been in dispute for 18months now and they don't speak to me now and neither do the DCA's they sent after me. Oh well:cool: Just have to argue with someone else for the moment

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If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hi Folks

 

In the letter that Paintball kindly wrote for me It mentions

 

"I request the return of (insert amount here plus interest) within 14 days of receipt of this letter by you. If you do not comply with my request, I will have no option but to refer my complaint to the Financial Ombudsman Service (FOS)/issue court proceedings against you for return of monies. I should remind you that the FOS take the issue of mis-selling of PPI extremely seriously and in many cases, have imposed large fines on financial institutions who are in breach of regulations."

 

Then M&S sent the letter stating that they will reply to my "complaint" within 4 working weeks.

 

I'm slightly confused as to what to do next....do I report them to the FOS/take court proceedings or wait for 4 working weeks for them to reply?

 

Doc:confused:

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Evening Doc

 

I know it's a difficult one; you've stated 14 days and they say four weeks. Of course, they are trying to mess you about and I have had this kind of response on many occasions from other about-to-be-Defendants :rolleyes:

 

The only thing I would suggest in this particular case is is to be reasonable, this ALWAYS stands you in good stead with the courts. You will appear to be reasonable in allowing them a little more time and they will look as if they are being unreasonable if they take longer than this and still come up with an unfavourable response. Who do you think will look best in the Judge's eyes if you file a claim in your local court? :D

 

Sometimes after a LBA the bank/lender will crumble and pay up, sometimes it takes a bit longer.

 

After four weeks, if no favourable response or no response at all, file that N1. No further letter to M&S just have that N1 and your POC already prepared. Put a date in your diary and look forward to it! :)

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