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    • We purchased our Mercedes in September 2023 from Doves in Horsham for £21000, paying half cash and half on finance. We also purchased warranty for life via Ramp as recommended by Doves. On 12th May 2024 the car failed to recognise the key and wouldn’t not open, the AA could not identify the problem so via our warranty the car was taken to Mercedes in Croydon. After 3 weeks the problem was finally identified as water ingress in the drivers side footwell which has corroded and blown various components. After further investigation it was discovered the windscreen was date stamped 2019 (all the windows are 2018 - therefore not the factory fitted windscreen) The leak has developed due to incorrect sealant being used assuming when this was replaced and also water leaking from the seam. The warranty company do not cover water ingress so we are now faced with a bill of £3635. As we are now at 8 months since purchase (problem started at just over 7 months) we are not covered by the consumer rights acts. Would we be covered Sale of Goods Act? We have all the reports for the works being completed but unsure if this should be taken to the finance company or Doves who we purchased the car from. Do we pay for the works and then try and claim it back or should they be paying? Any help would be much appreciated
    • im also wondering if back billing applies here too . from looking at like threads around this SSE to ovo compulsory switch, it must be evidenced by the claimant that bills were regularly issued for the period of the supply the debt they claim covers. there are no threads here that show they could ever produce them, so back billing rules (12mts) might also play a part.
    • Vodafone have reported that they are having issues with their Credit File APIs into the Credit Reference Agencies where aged accounts over 6 years are being readded to Credit Files. In some instances, people are having defaults rescinded and changed to late payment status making the account live again!    --- Have you been affected? Please keep an eye out on your credit file for any  new Vodafone Account appearing where there shouldnt be any reason. If you are a Vodafone Customer - Check that the information is correct. check for Late Payments and Defaults.    Don't forget to consider the financial impacts this could have on you.  ---   If you are struggling - Post below and we can guide you to get the result you need!    Its been reported that Experian and TransUnion seem to be where these appear.  They are able to remove the information relatively quickly and it will reflect on next Credit File Refresh.         
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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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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studio cards - stick to my guns?


melly-mo
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i have found this site so enlightening that i have decided to take the plunge and post a thread. Please bear with me!

I need advice on one of my catalogues, Studio Cards. I issued a CCA request September,and received a blank unsigned copy of the credit agreement. I know from your site this probably means they have no original agreement. I waited for the 12 days to expire and issued a default notice to them but it is the reply i received that i need advice on.

In this letter they admit the agreement would be unenforceable in court BUT

"We are satisfied upon discussion with the Information Commissioners Office that this debt can be registered as a default with credit reference agencies" AND

"With regards to the Data Protection Act the declaration on the information pages in the catalogue which you made your inital order from state; We may search and share files of credit reference agencies...and we share the informationand the conduct of your account with the relevant third parties"etc Shall I stick to my guns?:?

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Hi Melly Mo, and welcome to the CAG forums...getting a default is certainly not easy...but do have a read of these... -

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/161066-default-removal-can-happen.html

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/148383-finlander-wants-soak-abbey.html

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/

 

Are there some excessive penalty charges on the account also ?

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Is it not true that if you have made any payments at all you are acknowledging the debt and therefore enforceable in court?

 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

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Thank you both for taking the time to reply. I get frightened with lots of legal terms but i'm sure i'll pick it up.

As i understand it - i have withdrawn permission for my data to be processed. Can they do this anyway if it is printed in the catalogue T & Cs?

Whether it is ethical or not, I feel i have paid enough in the past to this catalogue - mainly in interest - unfortunately my financial position at the moment does not really give me any choice. The choice is to challenge my "credit agreements" or go bankrupt. I have three other debts i am also challenging - no CCas yet!

I obviously do not get into trouble and i hope with all your support i can improve my life.

Many thanks

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My mum had exactly the same with Studio, loads of people have. They sent her an unopened agreement, like they have done to many people. If there are charges on the account(normally £20) you could challenge these. Write them a letter state how much your original order was and how much you have paid (mum got a xmas tree for £23 and paid £75) tell them you won't be paying any more- account is IN DISPUTE- no enforceable CCA request plus unreasonable charges. I did this for my mum and they cleared her balance of £120 (all from charges) I did want to go after the charges they applied but mum was just happy to get them off her back. Studio seem to have their own set of rules that they dream up. Good luck

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

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I will move your thread to where you will get more help. :)

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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If you go to the main page it is in OTHER INSTITUTIONS. Near the bottom of the page.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Hi Melly-mo

 

Stick to your guns and go for it I say!! If you click on my name and go to threads started you should be able to find details of my claim against studio!

I claimed back all the charges made to my account INCLUDING the service charges - I also applied for a copy of my signed cca which they couldnt supply - and YES they paid up!

 

Hope my thread gives you the encouragement to carry on with your claim!!

 

Cheers

FBD x

:D

Fatboydukey (FBD) = my big fat ginger tom :DI am of the fairer sex :razz:

 

HSBC - FBD 1st claim Bank charges Jan 07 = success

HSBC - FBD 2nd claim Bank charges June 08 = on hold

Lloyds - mums claim Bank charges June 08 = on hold

Lloyds PPI - mums claim June 08 = Got back PPI now fighting for interest

Citi loan PPI - FBD June 08 = WON!!!!

Citi cards - FBD Credit card charges June 08 = ongoing

Skycard - FBD Credit card charges - WON!!!

Kays - FBD Catalogue charges June 08 = ongoing = told Moorcroft where to go and they went!!!!!

Studio - FBD Catalogue charges June 08 = WON!!!!!!

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