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    • Thanks for letting us know about this. I'm afraid that this website is mainly bad news about companies so it's very refreshing and very decent for someone to come along and to give praise where praise is due. How about a link to their website?
    • Having a little additional think about this, I think that your interests are best protected in the following way: You inform the seller that you are obtaining the quotes which I have referred to above. Having received the quotes, you then inform them that you are proposing to have the work carried out at XXX garage and that you will expect that the seller will reimburse you for the costs and associated expenses. You can tell them though that you understand that they may want to control the work being done to the car and so you are willing to allow them to do it but as the fault has manifested itself at this point and that it is clear that the problem is their responsibility, if they wish to carry the work out themselves then they will have to organise the collection vehicle and the delivery of it to you once the work is completed. Of course this will be very expensive for them and they will either fail to respond or they will refuse. Whatever their reaction, you would then go on to say that as they have failed to respond/declined the invitation to carry out the repairs themselves, that you are now going to your preferred garage – one of the two quotations which you have supplied – and you will have the vehicle repaired there. You are giving them an opportunity to comment. I think that if you use this approach, then you will be able to demonstrate very clearly that they had a choice and therefore they will be unable to disassociate themselves from the repairs which are eventually carried out at your chosen repairer. Even though this exchange of correspondence may mean that it will take a week or so longer to have your repairs carried out, I think you should do this in order to protect yourself in the best way possible
    • Please name the dealer   I would start off by sending them a letter of rejection seeing as you are within the 30 days. This doesn't mean that you have to reject it but it reserves your position. Secondly, on the basis of what you say, I don't think that you need necessary to find the cheapest place. You should be looking at the best quality that you can find. I think the best thing to do would be to get to competing quotations for the work you propose to have carried out – and not necessarily at the cheapest place, but a couple of proper reputable garages – authorised for that kind of vehicle. Inform the dealer as to what you are doing and providing with copies of the estimates for the work before you put it in hand. Give them five days to object or to make other comments. Make it clear to them that once the work is carried out that you will be looking to them to reimburse you. Of course you are opening a can of worms here because if you get some further problems – more serious – you may find that the dealer is starting to say that because you have carried out your own work so your own repairer on the car, they cannot now say that any defects were inherent in the purchase – and that they may have been introduced by 1/3 party repairer. I'm afraid that you have certainly fallen into a trap of buying a car a long distance away from where you live. We find that people often tend to do that because they think the car they have found is the only one in the world for them. They forget to factor in the difficulties that they will be if there are defects – particularly if the car stopped altogether – the cost of transportation to the dealer, the cost of having to travel up and down the country to collect the car – and of course these difficulties could emerge several times through the initial years of your ownership of the vehicle if you are relying on your statutory rights and expect the dealer to meet those obligations. Furthermore, if you have to bring a court action against them you are now dealing with multijurisdictional claims – suing out of Scotland against the defendant in England and that adds to the complications. It's too late for you to do anything about this – unless you actually decide to reject the vehicle – but at the very least, other people who come across this thread may get some benefit from these comments. I think it's important for you to get the best quality repair you can and to make sure that the dealer is aware of what you are doing so that if later on they try to deny responsibility for further defects, that you will be able to show that they were fully appraised of what you are doing and they will have less room to manoeuvre themselves out of their statutory obligations. I'm afraid that purchasing a car from one dealer and then having it repaired by another service provider, brings into the same kinds of difficulties that somebody who purchases a central heating boiler from one supplier and then has it installed by a different supplier find themselves in. When things go wrong, the seller blames the installer. The installer blames the seller – and you, the customer, are piggy in the middle. Not a good place to be. I notice that you are doing things on the telephone. Big Fail! Read our customer services guide. In your situation you should be extremely careful to make sure that you have got a record of everything and a full paper trail
    • What information do DVLA need for a provisional licence ?   Think the ID issue needs to be looked at a bit more. Surely you have birth certificate, school information, Doctors records. School and Doctors should provide a letter to help with ID.                
    • Amex as with any creditor must help you the FOS should go with you and make them remove all interest charged from the very 1st time of asking for help. the FCA regulations actually almost dictate it, they most certainly clearly state that if the are FCA registered they must help.   it's very telling they have no marked your credit file....almost as if they know they are wrong. it's also telling that an irresponsible lending complaint might well be in order hear too, they can just keep upping the credit limit without checking you can pay. and ofcourse covid plays its part here and they've already admitted as they allowed payments holidays until october in line with the rest of the industry and they should be continuing that. you problem is you keep using the phone, no paperwork no record of things discussed. i'd get an SAR off to them. and get the comms/account log and all the statements from day one and go nail them.
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    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 32 replies
    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
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I will check with the powers that be ODC.

..

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Every little helps. Thanks a lot.:D

 

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The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Is it me, because although potentially disasterous for the site, this action has been good in unifying the members. The sentiments are similar to those of the war and give people a distraction from their own horrible situations and help to give a sense of unity. We are all fighting our own battles but are also fighting for a group survival.

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It has been amazing how everyone has come together to help. I knew everyone looked out for each other, but this has taken it to the next level.

 

Reading all the libel threads have been fantastic and humbling, and I for one am proud to been part of CAG. :)

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Every little helps! :D

 

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I'd like to thank everyone for their donations. People have been rallying to us very well. I haven't spoken about the level of donations which we have received because as I have said elsewhere on the forum, I think that it is not a good idea to let the other side know how strong we are in that regard.

 

When this is all over, we will let everyone know how many contributors there have been and how much we received.

 

I hope that this sounds reasonable and acceptable.

 

It is a great shame that it seems that in part this issue may come down merely to a war of financial strength rather than just the truth and justice of the matter. However, this seems to be a feature of dafamation actions in this country.

 

There is no doubt that the other side is extremely well funded by a person who seems to be very wealthy and appears to be happy to put maximum resources to fight us.

 

It is a very unbalanced situation.

 

 

We are very grateful to those who support us and we certainly pledge that w will continue to provide this forum resource to everyone for as long as we can continue to exist and for free as we have done since we began.

 

I have tried to respond by email to everyone's donation. There have been 2 or 3 bounceback emails and so if you haven't received a reply, this may be the reason. Contact us if you have contributed and haven't heard anythng after 2 or 3 days.

 

If you have sent donations to our registered office, it will take rather longer for us to know about it but we will respond as soon s we do.

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I intend making a monthly donation from now on even when we win this libel action. I can never thank CAG enough for the help I have got in getting my life back on track and taking on those who sought to destroy me.

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I wish we could have a different survey, we only have the one for bank charges, now sadly stagnant thanks to the test case.

 

If we could have one that shows how much people have saved by chasing off DCAs the way ODC has, I bet it would run into millions more. :-)

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Whilst I know the forum does not condone debt avoidance I know that because of the DCAs failure to abide by the law I have saved thousands.

 

Personally I have no qualms about not paying DCAs. They gamble by spending pennies to buy up debts which they hope to turn into huge profits by their underhanded and often illegal activities. If their gamble fails thats tough luck on them. The Credit Cards and the Banks are at no loss as they have already written the amount off against tax.

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Whilst I know the forum does not condone debt avoidance I know that because of the DCAs failure to abide by the law I have saved thousands.

 

Personally I have no qualms about not paying DCAs. They gamble by spending pennies to buy up debts which they hope to turn into huge profits by their underhanded and often illegal activities. If their gamble fails thats tough luck on them. The Credit Cards and the Banks are at no loss as they have already written the amount off against tax.

 

Wholeheartedly agree 100%.

 

Because of their rude and heavy-handed tactics they are solely responsible for turning me into a rogue debtor of which I am immensely proud, its a badge I wear with honor (even if that does upset a few honest Caggers out there). Had they dealt with me in a more even handed way they may have got something out of me, now if I won the lottery and could pay off all my debts tenfold I still wouldn't give them a penny!

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Wholeheartedly agree 100%.

 

Because of their rude and heavy-handed tactics they are solely responsible for turning me into a rogue debtor of which I am immensely proud, its a badge I wear with honor (even if that does upset a few honest Caggers out there). Had they dealt with me in a more even handed way they may have got something out of me, now if I won the lottery and could pay off all my debts tenfold I still wouldn't give them a penny!

 

I don't think you are alone there. Being a rogue debtor is not ilegal, nor is it trying to avoid your debts, being a rogue debtor means you wont tollerate the rubbish and underhand tactics of an outside company trying to chase a debt that is over inflated with invisible charges.

 

Like has been said many a time, and possibly many more times, thiese forums are NOT about avoiding debt, and certainly don't condone it, but this forums stands firm in it's belief that members of the public should stand up for thier rights, and pay thier debts to what they owe, not what these lenders and so on think is owed.

 

That's what life is about anyway...paying your dues, but not being ripped off in the process. I will pay my dues, and my debts, and i want to pay what i owe.

 

But i will NOT pay stupid fees and illegal charges, so any DCA that drops by and sees this, then be ready for a battle, and be ready to prove to me that i owe the amount you claim, cause i will ask for proof, and i will not bend to your way of thinking.

 

In that sence, i too would be classed as a rogue debtor...and i too am proud of it, i stand up and fight the system, on behalf of the genuine public that pay thier way.

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I don't think you are alone there. Being a rogue debtor is not ilegal, nor is it trying to avoid your debts, being a rogue debtor means you wont tollerate the rubbish and underhand tactics of an outside company trying to chase a debt that is over inflated with invisible charges.

 

Like has been said many a time, and possibly many more times, thiese forums are NOT about avoiding debt, and certainly don't condone it, but this forums stands firm in it's belief that members of the public should stand up for thier rights, and pay thier debts to what they owe, not what these lenders and so on think is owed.

 

That's what life is about anyway...paying your dues, but not being ripped off in the process. I will pay my dues, and my debts, and i want to pay what i owe.

 

But i will NOT pay stupid fees and illegal charges, so any DCA that drops by and sees this, then be ready for a battle, and be ready to prove to me that i owe the amount you claim, cause i will ask for proof, and i will not bend to your way of thinking.

 

In that sence, i too would be classed as a rogue debtor...and i too am proud of it, i stand up and fight the system, on behalf of the genuine public that pay thier way.

 

Well said. I totally agree

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My beef is with the companies who accept your offers of reduced payments having acknowledged your difficulties and then sell on the debt because it's not enough for them.

I was paying one of my creditors this reduced amount, a not unsubstantial sum until they sold it on without warning to the Leeds losers who instantly demanded full payment together with an extra £1000 odd which had appeared in charges and back interest.

Needless to say I am not giving them a single penny if I can get away with it.

I am not avoiding my debts having entered into an agreement with my original creditor but I have no such agreement with any other company who wishes to chance their arm by paying peanuts and hopes to bully me into making them a nice 1000% profit on their outlay.

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

Oooh Look....Flying Pigs

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thanks to you people i sleep well at night. in view of the present economic climate im sure many more people will need you and will be sending a contribution first thing tomorrow. and to all the **** who never thinks it can happen to them, hello.

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I'd like to thank everyone for their donations. People have been rallying to us very well. I haven't spoken about the level of donations which we have received because as I have said elsewhere on the forum, I think that it is not a good idea to let the other side know how strong we are in that regard.

 

When this is all over, we will let everyone know how many contributors there have been and how much we received.

 

I hope that this sounds reasonable and acceptable.

 

It is a great shame that it seems that in part this issue may come down merely to a war of financial strength rather than just the truth and justice of the matter. However, this seems to be a feature of dafamation actions in this country.

 

There is no doubt that the other side is extremely well funded by a person who seems to be very wealthy and appears to be happy to put maximum resources to fight us.

 

It is a very unbalanced situation.

 

 

We are very grateful to those who support us and we certainly pledge that w will continue to provide this forum resource to everyone for as long as we can continue to exist and for free as we have done since we began.

 

I have tried to respond by email to everyone's donation. There have been 2 or 3 bounceback emails and so if you haven't received a reply, this may be the reason. Contact us if you have contributed and haven't heard anythng after 2 or 3 days.

 

If you have sent donations to our registered office, it will take rather longer for us to know about it but we will respond as soon s we do.

I take it then there has been no progress down the arbitration route BF?

 

Has Karnevil/Sharon declined?

I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

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Can't believe this site is under threat. You are all so helpful and reassuring giving advice and support where it is really needed. I'm sure thousands of people would have gone under (myself included) if it wasn't for the help and guidance off this site. God knows what I would have done if I never got this guidance I would be living in a cardboard box by now and be on first name terms with all of the judges in the court!!! I haven't received any money back but I have now got a little knowledge and a lot of confidence dealing with DCA's,sometimes downright cheekiness ie No I won't answer your security questions- send me CCA and we'll go from there! Seriously I don't know what I would do without this site, so many people rely on it so I will be making my donation on payday (end of the month) so keep up the good work and all the luck in the world to yous;)

<<<If I have helped please tickle the scales;-)<<<

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Your post really shows the importance of CAG to so many people on the site now, in the past and in the future, and why we have to make sure it survives. Thanks fedup.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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