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    • 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
    • Our main Equity Partner, Cabot Square Capital invests 
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    • 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
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morgan & stanley /barclaycard


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ha ha good point , will get on to it this weekend ......

Still nothing in the post this morning SHOCK :) , so have sent them the dispute letter and the harassment by phone letter special delivery to above address so will be there tomorrow .....

Lets just wait and see what they come back with ..........

 

:)

hughes@consumeractiongroup.co.uk

 

Morgan & Stanley/ Goldfish / Barclaycard : F & F Offer accepted , appealing Default on CRA's-ongoing:!:

HSBC : Managed Loan .F & F Offer accepted , appealing Default on CRA's-ongoing:!:

Littlewoods: No CCA , PPI INsurance claim. Took to court. Charges refunded. WON :D appealing Default on CRA's- ongoing :|

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hi all update :)

got barclaycard t & c today , even though the card was origionally capital one ? before morgan & stanley have already sent the account in dispute letter as they never responded in time frame .

what do i send now they have answered with this ???????????

thanks :)

hughes@consumeractiongroup.co.uk

 

Morgan & Stanley/ Goldfish / Barclaycard : F & F Offer accepted , appealing Default on CRA's-ongoing:!:

HSBC : Managed Loan .F & F Offer accepted , appealing Default on CRA's-ongoing:!:

Littlewoods: No CCA , PPI INsurance claim. Took to court. Charges refunded. WON :D appealing Default on CRA's- ongoing :|

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bump :) x

hughes@consumeractiongroup.co.uk

 

Morgan & Stanley/ Goldfish / Barclaycard : F & F Offer accepted , appealing Default on CRA's-ongoing:!:

HSBC : Managed Loan .F & F Offer accepted , appealing Default on CRA's-ongoing:!:

Littlewoods: No CCA , PPI INsurance claim. Took to court. Charges refunded. WON :D appealing Default on CRA's- ongoing :|

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Hi Bones,

 

No need to bump unless a post remains unanswered for so long that it's in danger of falling off the first page. ;)

 

When the CPR deadline is up, send them the LBA using the template.

 

Also, send this ltr to BC, amended for your own case as nec'y:-

Dear Sirs,

 

Account Number: XXX

 

Re; your recent reply to my request under section 77-79 of the Consumer Credit Act 1974

 

I note that you have replied to the above by sending a copy of your companies current Terms and conditions I must inform you that this is not sufficient to comply with the request and that your company is still in default under the act.

 

To clarify, just sending the Terms and Conditions is a breach of the Act and Regulations as, apart from the information that the Regulations provide that you may exclude, the copy must be a "true copy" of the agreement.

 

This breach of the agreement can be demonstrated as follows;

 

As you will know section 180(1) (b) authorises, "the omission from a copy of certain material from the original, or the inclusion of certain material in condensed form." This refers to statutory instruments made under the heading Copies of document regulations and in this care in particular to SI 1983/1557.

 

Before leaving section 180 there are two other sections that should be remembered these are:

 

Section 2(2) (a) A duty imposed by any provision of this Act (except section 35) to supply a copy of any document is not satisfied unless the copy supplied is in the prescribed form and conforms to the prescribed requirements;

 

And more importantly

 

Section 2(b) A duty imposed by any provision of this Act (except section 35) to supply a copy of any document is not infringed by the omission of any material, or its inclusion in condensed form, if that is authorised by regulations.

 

You will see that this quite clearly states that whilst certain items may be left out of the copy document the rest of the document must be in the form and contain all items as prescribed by the regulations.

 

Turning to the regulations regarding what may be omitted from these copies these are contained with SI 1983/1557.

 

The regulations state:

(2) There may be omitted from any such copy-

(a) any information included in an executed agreement, security instrument or other document relating to the debtor, hirer or surety or included for the use of the creditor or owner only which is not required to be included therein by the Act or any Regulations thereunder as to the form and content of the document of which it is a copy;

(b) any signature box, signature or date of signature (other than, in the case of a copy of a cancellable executed agreement delivered to the debtor under section 63(1) of the Act, the date of signature by the debtor of an agreement to which section 68(b) of the Act applies);

 

It is quite clear what can be omitted from the copy document, this again asserts that all other details of the agreement should presented in form and content as required by the regulations.

 

The requirements of the Agreement regulations 1983/1553 are very explicit in describing the form and content of an agreement and this as I have demonstrated also applies to the copy of any such agreement with the above mentioned proviso.

 

Nowhere within these regulations does it state that part of the agreement can be presented on a separate document headed terms and conditions.

It does state that all terms and conditions should be within the agreement document and is explicit of the form in which it is presented.

 

I hope this explains why your reply was unacceptable. I await a True copy of my agreement and would remind you again that, whilst the request has not been complied with, the default continues.

 

Yours faithfully

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hi thanks slick ,sorry i could not find them when was looking on the new posts page so thought they had vanished :)

 

sorry again :)

 

ill sent the letter tomorrow , as for the cpr date ?? am confused i sent the cca and they had their 12+2 days then sent the letter you suggested about the acount in dispute because never responded that was about 7 days ago .. is there another deadline i should be giving them with you saying the cpr deadline ? then Lba ??

 

sorry maybe being really dumb , but just need it clarifying

thanks again

sorry for being a pest

x

hughes@consumeractiongroup.co.uk

 

Morgan & Stanley/ Goldfish / Barclaycard : F & F Offer accepted , appealing Default on CRA's-ongoing:!:

HSBC : Managed Loan .F & F Offer accepted , appealing Default on CRA's-ongoing:!:

Littlewoods: No CCA , PPI INsurance claim. Took to court. Charges refunded. WON :D appealing Default on CRA's- ongoing :|

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Hi Bones,

 

You've sent a CCA request and they've done there current trick of replying with just the T&C's, hence the reply above which I've suggested.

 

However, we now know they'll still not send you the Credit Agreement in response, nor will they agree they've failed to comply with their obligations under CCA1974. So they'll continue to seek payment as they DON'T agree the a/c is in dispute. Send the letter, suggested in my last post, now.

 

Therefore you approach them for the Credit Agreement using the CPR strategy instead. If you haven't yet done so, send the CPR Prelim Letter as shown in Pt2537's thread at post #2. This will give them 21 days to reply to the CPR request.

 

This should go to the Churchill Place address in London. :)

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brilliant thanks , so i send the one above now and will send this one at the same time and allow 21days for the below letter before send the one in post 3 of pt2537 thread...

 

does it matter if they go in the same envelope ?

 

as long as go to the churchill place , london address

 

 

Dear Sirs

 

Account number

 

I write with regards to the above account with your organisation.

 

I respectfully request that you provide me by return a copy of the credit agreement which bears my signature. I require this as i have reason to believe that there may be discrepancies within the agreement which may leave it improperly executed.Additionally i require the underwriting sheet or other document showing any commissions paid to you by the broker or by you to the broker

 

(If you have any other reasons why you need the agreement such as misselling of PPI Add it here)

 

obviously if the agreement is improperly executed i would be entitled to ask the court to consider the agreement and make a declaration of the rights of parties to the agreement.

 

I must stress this request is NOT made pursuant to section 78 Consumer Credit Act 1974 but is made pursuant to the Civil Procedure Rules ( Pre action protocols and Part 31.16) and therefore unsigned copy will not suffice, only a copy of the original contract in its unaltered form will suffice in these circumstances

 

Please confirm if you still hold a copy of my signed agreement and that you will provide me with this document.

 

I do not view this as an unreasonable request given that by supplying the document which i have asked for it will allow me to assess if my case has merit and will help to resolve matters possibly without the need to involve the court and will undoubtedly save costs on both sides

 

I look forward to your reply and wouyld ask for a response by 4pm on XXXX Date ( Give 21 days to respond)

 

Regards

 

 

 

xxxxxxxxxxx

hughes@consumeractiongroup.co.uk

 

Morgan & Stanley/ Goldfish / Barclaycard : F & F Offer accepted , appealing Default on CRA's-ongoing:!:

HSBC : Managed Loan .F & F Offer accepted , appealing Default on CRA's-ongoing:!:

Littlewoods: No CCA , PPI INsurance claim. Took to court. Charges refunded. WON :D appealing Default on CRA's- ongoing :|

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Hi Bones,

 

Send the ltr in post #29 to the office which sent you the T&C's. I suspect it was NOT the Churchill Place addresss. This is to confirm that you consider the a/c to be in dispute.

 

You're correct about the CPR letter. If no reply after 21 days, send Pt's next one, which is the LBA.

 

:)

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thank you , will do and will let you know what they respond with , they are still ringing though everyday even though i have sent them a harrasment letter , should i be recordeing calls yet or is that not necessary :)

thanks slick you a great help :)

x

hughes@consumeractiongroup.co.uk

 

Morgan & Stanley/ Goldfish / Barclaycard : F & F Offer accepted , appealing Default on CRA's-ongoing:!:

HSBC : Managed Loan .F & F Offer accepted , appealing Default on CRA's-ongoing:!:

Littlewoods: No CCA , PPI INsurance claim. Took to court. Charges refunded. WON :D appealing Default on CRA's- ongoing :|

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Keep a log of all calls and, if you can, record them in case they say something they really shouldn't.

 

Even if you can't use the recording for your own case, it may be useful as part of the bigger picture.

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is there a special equipment i need to record calls ? , just note the time date down for now , til manage to get calls recorded ...

any advice would be great :)

 

at the moment i am just ignoring the calls have been caught off guard a few times but have just said they have been sent a harassment letter and are being taped and are breaching terms and then just hung up ... have not given them chance to speak yet ! should i when i get equipmet ?

hughes@consumeractiongroup.co.uk

 

Morgan & Stanley/ Goldfish / Barclaycard : F & F Offer accepted , appealing Default on CRA's-ongoing:!:

HSBC : Managed Loan .F & F Offer accepted , appealing Default on CRA's-ongoing:!:

Littlewoods: No CCA , PPI INsurance claim. Took to court. Charges refunded. WON :D appealing Default on CRA's- ongoing :|

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Here's the offer from CAG for a recorder, from the top of this page - The Consumer Forums - Telephone Recorders reviews.

 

But if you don't want to do this, just keep the call log instead.

 

:)

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calls still coming , after numerous letters and today they rang and rang again stratight after each other when i kept putting the phone down on them stating " we will ring everyday until yoiu speak " ........

Should i be doing anything else , have noted down all the calls they have done , should i report them or is it a bit too early stages to do that at the mo ?

Have i just got to ignore them :)

hughes@consumeractiongroup.co.uk

 

Morgan & Stanley/ Goldfish / Barclaycard : F & F Offer accepted , appealing Default on CRA's-ongoing:!:

HSBC : Managed Loan .F & F Offer accepted , appealing Default on CRA's-ongoing:!:

Littlewoods: No CCA , PPI INsurance claim. Took to court. Charges refunded. WON :D appealing Default on CRA's- ongoing :|

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Hi Bones,

 

Ignoring them is rule No1.

 

If you've sent the Phone Harassment letter already, make a formal complaint to Trading Standards and to the FOS enclosing a copy of the calls log.

 

Send a copy of the complaint ltr to BC and/or Mercers, adding that their calls will be logged and recorded to assist in the FOS investigation.

 

You can also complain to OFCOM, so mention this to B?/Mercers too.

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hi slick , sorry if you are sick off me :(

 

Can i ask where i find the complaint letters for fos & ofcom & ts

 

Are they all the same letter ?

 

Is there a template ? i have had a look through the library and a few posts with links to the fos , but cannot for the life of me find one have been here all night ha ha ......

Definatly need a shove in the right direction ( or copy)

thanks

x

hughes@consumeractiongroup.co.uk

 

Morgan & Stanley/ Goldfish / Barclaycard : F & F Offer accepted , appealing Default on CRA's-ongoing:!:

HSBC : Managed Loan .F & F Offer accepted , appealing Default on CRA's-ongoing:!:

Littlewoods: No CCA , PPI INsurance claim. Took to court. Charges refunded. WON :D appealing Default on CRA's- ongoing :|

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I have the same card - but BC have written to me stating (after 2 months of asking for the CCA) that "they do not hold a copy of my application in their records" - which I take as a confession of not having my credit agreement.

 

Any thoughts on the next step from either side..??

 

SP

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Hi Seasoned Pro,

 

Can you start your own thread for this to avoid hijacking.

 

Thanks :)

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Hi Bones and there's no reason for anyone to be sick of you !! :)

 

I'm not aware of any template letters for complaints to FOS, TS and OFCOM.

 

Just make a list of all contacts rec'd from BC or Mercers on a separate sheet. Enclose it with a letter to each body asking for them to assist and investigate the constant harassing phone calls, threats to visit, etc.

 

Explain why you consider the a/c to be in dispute - ie, BC's refusal to provide a copy of your Credit Agreement, penalty charges on the a/c, etc.

 

Have you looked into reclaiming penalty chgs. sorry if this has been asked before. ;)

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thats why i couldnt find them then:D

 

so send a standard letter to them all with list of calls telling them account in dispute reason and explain have sent harassment letter to them etc

send it to ts and fos and bc and mercers so they know that i have reported them !!!! :)

 

as to reclaiming my charges for the account no i have not even looked into that at the moment and as it used to be morgan & stanley then Goldfish then bc i dont know how i would get all the statements for them would a sar work ?

If i do that would that increase their chances of tracking down the cca if they do have a legit one ?

Or is it best to get the sar , just to have as back up to hit them back woith the charges refund if they do come up with cca ?

 

Am stuck with which way to go with this one ... Was just keeping my fingers crossed that they could just not find my cca and then they could not persue the debt.... Would i not be pushing my luck if started to ask for charges back aswell .... Dont want to have my cake and eat it and get very very greedy ha ha

x x x:rolleyes::D

hughes@consumeractiongroup.co.uk

 

Morgan & Stanley/ Goldfish / Barclaycard : F & F Offer accepted , appealing Default on CRA's-ongoing:!:

HSBC : Managed Loan .F & F Offer accepted , appealing Default on CRA's-ongoing:!:

Littlewoods: No CCA , PPI INsurance claim. Took to court. Charges refunded. WON :D appealing Default on CRA's- ongoing :|

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Hi Bones,

 

Don't forget to send complaint to OFCOM too, quoting the regulations under which you you're complaining.

 

Send BC a SAR so you can move on with reclaiming charges on the a/c. You can decide how to d/w this aspect as the case progresses (or doesn't). ;)

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Dear Sir/Madam

 

 

Consumer Protection from Unfair Trading Regulations 2008 (CPUT)

 

 

Formal complaint against [Name of Debt Collection Agency here]

 

 

 

 

 

I am writing to complain under the above CPUT regulations. I am receiving letters and telephone calls from [DCA] in respect a purported debt which I understand is governed by the Consumer Credit Act 1974.

 

 

In accordance with the Consumer Credit Act I asked [the DCA] to supply me with a true copy of the Consumer Credit agreement. [They have failed to do so/ supplied me with a document which clearly fails to satsify the Consumer Credit Act.] I enclose a copy of that document with this letter.

 

 

Although I have pointed this out to [DCA] they have failed to acknowledge this and continue to contact me and to harrass me with threats of action.

 

 

Clearly they are entitled to bring a legal action if they so wish. However, they have not done so and appear instead to be relying upon a campaign of systematic contact with accompanied by threats.

 

 

I consider that [DCA] are operating an unfair commercial practice and it is for this reason that I am sending you this complaint.

 

 

I enclose examples of the letters which they have been sending to me. I also enclose a log and verbatim notes of phone calls I have received.

 

 

I would be grateful if you would acknowledge this letter and let me know what procedures you now intend to follow and what your targets for action are.

 

 

 

 

Yours faithfully

 

 

is this the type of letter that i should be sending , adapting it to my circumstances , with the additional sheets of info ie / calls list , letter of dispute ?

Where would i find the regulations to quote please :)

x

hughes@consumeractiongroup.co.uk

 

Morgan & Stanley/ Goldfish / Barclaycard : F & F Offer accepted , appealing Default on CRA's-ongoing:!:

HSBC : Managed Loan .F & F Offer accepted , appealing Default on CRA's-ongoing:!:

Littlewoods: No CCA , PPI INsurance claim. Took to court. Charges refunded. WON :D appealing Default on CRA's- ongoing :|

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If this is going to OFCOM, the regs to quote are here - http://www.consumeractiongroup.co.uk/forum/letter-templates/131250-dca-creditor-harassment-telephone.html

 

I'd change "... a campaign of systematic contact with accompanied by threats."

 

to " ... a campaign of systematic and repeated phone calls including threats."

 

:)

  • Haha 1

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is this ok to send to the trading standards and oft as well ?

do i include the regulations they have broke aswell?

 

secondly i have got the oft address and my local trading standars , where would i get ofcoms from please ?

 

thanks again

x

hughes@consumeractiongroup.co.uk

 

Morgan & Stanley/ Goldfish / Barclaycard : F & F Offer accepted , appealing Default on CRA's-ongoing:!:

HSBC : Managed Loan .F & F Offer accepted , appealing Default on CRA's-ongoing:!:

Littlewoods: No CCA , PPI INsurance claim. Took to court. Charges refunded. WON :D appealing Default on CRA's- ongoing :|

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Ofcom complaints details are here - How to complain | Ofcom

 

Send a copy of this letter to TS and to the FOS, asking for each of them to investigate your complaint of harassment.

We could do with some help from you

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                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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