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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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      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.

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Barclaycard - CCA Response


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Hi folks

Looks like we're all having the same run-a-round from B/C.

 

I've done the CCA, SAR and CPR -So far I've got 3 sets of T & C's some of my statements but the whole of 2006 are missing. The CPR resquest got me a copy of their data printout which has helped with my PPI claim. I've got enough customer feed back leaflet's to paper a small room (the smallest room is more appropriate) and a stack of letters say they will reply by whatever date -

I haven't complained to any of the official bodies yet - I don't see why I should give B/C another 8 weeks - this has been going on since the end Sept/October. They refuse to acknowledge that there's a dispute on the account, refuse to cancel the PPI and keep on piling on the charges and passing black markers to the CRA's.

 

I have been paying minimum payment+ since I started this mamoth treck with them - but in January I decided that the money was best spent issuing a Court Summons for damages and to get them to comply with my SAR. Technically it's only just been served so they've got a couple of weeks to come up with the statements and the credit agreement and anything else they hold. In the mean time I've slammed in a claim for some of the PPI with threats of court action. If the left hand at B/C finally gets round to telling the right hand what's going on I hope they'll realise I mean business with the refund.

 

So that's me in a nutshell - I'll let you know if I can get them to produce a credit agreement via the Courts.

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Subbing!

 

Guess what, I have just received this letter from Mercers aswell. To date (having asked for it in Nov 08) I have only had one letter from BCard containing the attached t's&c's. No agreement, no nothing despite sending them an account in dispute letter. The t's&c's arrived from BCard on Monday this week and the Mercers letter arrived today.

 

So, I am right in thinking that no agreement means that they remain in dispute until they get one and they cannot sell this debit onto anyone whilst in remains in dispute? What happens if they sell this debt on whilst it is in dispute?

 

Good luck everyone!

 

Bene

Barclaycard CCA Response.pdf

BCard Mercers.pdf

BCard Mercers 2.pdf

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Hi,

 

Mercers / Barclaycard (they both operate out of the same office) cant issue a default notice whilst the account is in dispute and are breaking the rules YET AGAIN!!

 

The debt hasnt been sold on - they think a different letterhead may scare people!!. Stop all payments now - you are entitled to until they produce a proper CCA agreement. Write back to Mercers enclosing copy of your letter and their reply re: CCA req and state that default needs to be removed or will be reported to relevant authorities. To lodge a default on your credit file Barclaycard need your signed consent (ie the CCA agreement) as they dont have it they are breaking the Data Protection Act by doing so.

 

I have been to 2 DCA's so far (and back to BC again) - I am in process of structuring a good letter to hit them with. I have wiped clear my Equidebt / Co-Op Visa card due to lack of agreement and waiting before this is cleared on Equifax/Experian before sending it.

Debt Managers (Barclaycard) £7150 - CCA sent - poor photcopy of app form - they rtnd acct to BC. Then Robinson Way come on scene - sent packing straight away. Will they try a third attempt????? :) Yes they did, roll on Westcot, told them were to stuff it. Not heard anything since but Lowell Financial have been searching my credit file. Round 4, ding a ling ling!!:D Now Crapquest on the scene - bought the debt and want the balance... don't think so 8)

 

Equidebt (Co-Operative Visa) £6800 - CCA sent in June - no response still!! Was Ex-Northern Rock card so probably lost. Equidebt have now agreed to write off and remove credit ref listing completely!!! :lol:

 

 

Robinson Way (Abbey) - debt sold to RW £1840 - await letter from them....cant CCA as bank account.... agreed to settle for £368 :-D

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Just checked online credit report with Experian and Equidebt have removed their entry totally from my credit file.... not a trace of it now... default gone, balance wiped off (£7k).:D:D:D

 

Barclaycard are in same position as Equidebt, it aint going to be easy - Equidebt took a couple of letters. Will keep you all posted of any latest developments.

 

Lets get everyone on this thread atacking Barclaycard..... we will win.... just may take a bit of time.

  • Haha 1

Debt Managers (Barclaycard) £7150 - CCA sent - poor photcopy of app form - they rtnd acct to BC. Then Robinson Way come on scene - sent packing straight away. Will they try a third attempt????? :) Yes they did, roll on Westcot, told them were to stuff it. Not heard anything since but Lowell Financial have been searching my credit file. Round 4, ding a ling ling!!:D Now Crapquest on the scene - bought the debt and want the balance... don't think so 8)

 

Equidebt (Co-Operative Visa) £6800 - CCA sent in June - no response still!! Was Ex-Northern Rock card so probably lost. Equidebt have now agreed to write off and remove credit ref listing completely!!! :lol:

 

 

Robinson Way (Abbey) - debt sold to RW £1840 - await letter from them....cant CCA as bank account.... agreed to settle for £368 :-D

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I agree, best way I found was to sit back and wait. If you get a letter from a DCA send them back an account in dispute letter. Give it a good 3 months since the 12+2 expiry date and send them a letter stating they haven't complied, can't enforce, can't do anything but write off and clear credit file letter :grin::grin::grin:

Debt Managers (Barclaycard) £7150 - CCA sent - poor photcopy of app form - they rtnd acct to BC. Then Robinson Way come on scene - sent packing straight away. Will they try a third attempt????? :) Yes they did, roll on Westcot, told them were to stuff it. Not heard anything since but Lowell Financial have been searching my credit file. Round 4, ding a ling ling!!:D Now Crapquest on the scene - bought the debt and want the balance... don't think so 8)

 

Equidebt (Co-Operative Visa) £6800 - CCA sent in June - no response still!! Was Ex-Northern Rock card so probably lost. Equidebt have now agreed to write off and remove credit ref listing completely!!! :lol:

 

 

Robinson Way (Abbey) - debt sold to RW £1840 - await letter from them....cant CCA as bank account.... agreed to settle for £368 :-D

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I agree, best way I found was to sit back and wait. If you get a letter from a DCA send them back an account in dispute letter. Give it a good 3 months since the 12+2 expiry date and send them a letter stating they haven't complied, can't enforce, can't do anything but write off and clear credit file letter :grin::grin::grin:

 

Pretty much... :D... although it takes them A-G-E-S to give up trying to intimidate you through Mercers usually... They also like to slap on interest and charges; so that you worry that your "debt" is escalating....

 

Battle of wills at the end of the day.... ;) , but they do flog them out eventually.

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Subscribing

 

Now in the same state - obsolutely sick of barclayshark, fed up sending recorded letters to be ignored or just getting back the same old T&C's.

 

SAR just got sent back 6 years statements, LBA letter sent reply was just ANOTHER copy of T&C's plus page after page of codes, letter received today telling me mercers on now off the leash and coming to get me.

 

Love to stop paying 'em but in difficult position as I bank with barclays and cant get another bank account because of capone antics - but that my friends is another story.

 

Beachy

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  • 2 weeks later...

Well I have now received another love letter from the lovely Mercers:

 

Mercers4.jpg

 

 

 

There is however still no sign of a CA :)

 

I will just have to shake in my boots and hide in the corner, if they carry out their threat in the above letter :wink:

 

ska

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Well I have now received another love letter from the lovely Mercers:

 

Mercers4.jpg

 

 

 

There is however still no sign of a CA :)

 

I will just have to shake in my boots and hide in the corner, if they carry out their threat in the above letter :wink:

 

ska

 

 

 

 

Hi ska

 

See Mercers have gone for the 48 Hour tactic lol.

Just send them a bemused letter and say the account is still in dispute.

 

Gaz

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I have now received this letter from Sharklycard, apparently dealing with my complaint:

 

BC4.jpg

 

 

Now this confuses me a little as they claim to have sent me a copy of the original application form which has not arrived yet anyway, however I have asked for a copy of my original CA?

 

Anybody else had this from Sharklycard?

 

ska

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I have now received this letter from Sharklycard, apparently dealing with my complaint:

 

Now this confuses me a little as they claim to have sent me a copy of the original application form which has not arrived yet anyway, however I have asked for a copy of my original CA?

 

Anybody else had this from Sharklycard?

 

ska

 

Nice of them to admit they have an "Application" not an agreement... lets hope when it arrives it also contains none of the prescribed terms:D

 

PmW

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  • 2 weeks later...
  • 2 weeks later...

Well surprise, surprise no sign of the "Original Application Form" but a letter has arrived from another group of threat monkeys:

 

Barclaycard5.jpg

 

 

I notice at the bottom of the letter it mentions "Mercers Debt Collections Ltd"

 

Should I ignore this letter or send them a response?

 

ska

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