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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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What now? - AA credit card


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Hi

Has anyone had any dealings with the AA? I have had a copy of my CCA, which turns out to be enforcable so I have written to them to offer a reduced payment of which i can afford, I paid this last week even though they didnt reply to my letter, they cashed the cheque, but they do not stop calling me, I have sent them a phone call harrasment letter and believe its still thier right to call. This morning i got a letter telling me i have been charge a defult sum does this now mean i have a default on my credit file?

 

Where do i go from here, they are ignoring my letters, with the offer of reduced payments just not too sure what i need to do now, i will still pay the payments each month to them but not sure why they are not responding.

 

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Hi

This morning i got a letter telling me i have been charge a default sum does this now mean i have a default on my credit file?

 

IMHO if you are paying them a reduced amount and they are cashing the cheques then they would be very foolish to take any legal action against you as you are already paying them an amount which you can afford, and a judge is very unlikely to make see in their favour and make you pay more :-|

 

If your worried about your credit file then you can access it for free on the 'annual credit report' you don't need to enter any of your credit card or bank details, this will show you who or what is on your file and if there is anything on there that might be adversely affecting it.

 

Have all the letters you have sent to them been recorded delivery? If so use their complaints procedure to the full until you either receive a satisfactory response and outcome, or it runs its course and ends up in an Alternative Dispute Resolution (ADR)

Write to them again 'telling' them that everything must be in writing and you will not enter into any future phone conversations with them or any of their partners acting on their behalf, all of your calls are recorded and a log of the harassment is being compiled.

If they are still ringing you, why are you still talking to them? You have already sent them the telephone harassment letter but that won't hold any water because your entering into a conversation every time they ring. In future once you realise it's them all you have to say is 'everything in writing' 'everything in writing' and just keep repeating that until they get the message and put the phone down or you get bored and put the phone down.

Take a look at the Protection from Harassment Act 1997

Which clearly states:

(1) A person must not pursue a course of conduct—

(a) which amounts to harassment of another, and

(b) which he knows or ought to know amounts to harassment of the other.

(2) For the purposes of this section, the person whose course of conduct is in question ought to know that it amounts to harassment of another if a reasonable person in possession of the same information would think the course of conduct amounted to harassment of the other.

(3) Subsection (1) does not apply to a course of conduct if the person who pursued it shows—

(a) that it was pursued for the purpose of preventing or detecting crime,

(b) that it was pursued under any enactment or rule of law or to comply with any condition or requirement imposed by any person under any enactment, or

© that in the particular circumstances the pursuit of the course of conduct was reasonable.

 

 

And again under the Telecommunications Act 1984 it clearly defines the offence of harassment under that act:

[F1 43. Improper use of public telecommunication system.

— (1) A person who— (a)

sends, by means of a public telecommunication system, a message or other matter that is grossly offensive or of an indecent, obscene or menacing character; or

 

(b)

sends by those means, for the purpose of causing annoyance, inconvenience or needless anxiety to another, a message that he knows to be false or persistently makes use for that purpose of a public telecommunication system,

 

 

shall be guilty of an offence and liable on summary conviction to [F2 imprisonment for a term not exceeding six months or a fine not exceeding level 5 on the standard scale or both].

 

The fact that the AA have chosen to ignore your request is liable to add weight in your defence if they were to ever go down the legal route!:cool:

 

It definitely is not their right to continue harassing you, you need to stop talking to them over the phone, they'll soon get the message, I would imagine the default sum would be the same as banks charging 30 quid for being 5p overdrawn?

Until they send it to you in writing it is hard to say, but if it is because you are not paying them the initial agreed monthly amount then I would think it is a charge because of this? And as with the banks it may be able to claim this amount back if it is not in proportion to the claimed 'administration'.

 

Start the ball rolling with a formal complaint, then when you receive the first response, which will undoubtedly be the standard template response to all complaints, complain again higher up the chain using their complaints procedure.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thanks so much Bazooka Boo for replying to my post. I stopped answering their calls about 2 months ago when i sent them the harrasment letter and i also changed my home phone number, they still call my mobile but luckily can see who it is calling so i just reject the call.

also all letters are sent recorded and have dates that they have recieved all of my letters.

 

I have checked my credit file and i do not have a defult on there only how many missed payments.

 

Do you think its likely they will go down the DCA route?

 

Thanks

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My concern would be that as you are paying a reduced amount, which they haven't agreed to, they will charge you for this aswell as adding interest.

I would doubt that they would entertain a DCA at the moment as you are paying something toward the debt? Is it a Loan? Car insurance? Credit card?

 

If you have evidence ie. the letters you sent them asking for them to accept a reduced amount, and they have failed to respond to those then I can only suggest having a look at the template letters here and choose one that best suits your situation, maybe letter C for starters, any other suggestion from anyone?;)

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thanks again for your advise, Its a loan that i have with them, I am hoping that they will not take it to a DCA as in the future im hoping my situation will change and can start paying again, lets face it if they do take it to a DCA i wont be able to pay them any more then im already paying.

 

I will see if they keep badgering me if so i will send them another letter.

 

Thanks

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Hi

 

This morning i recieved a letter from them saying they are dissapointed that i have ignored there letters and calls, and are wondering if i have any intentions of paying back the debt. If i dont pay within 10 days they are putting a defult on my credit file. Im so stressed out with them they have ignored all my letters and my letter for reduced payments and i have also paid the first installment, i know i should complain to the complaints dept, but i dont feel i have time to do this now. Do you know what letter i can send them to them to ask why they are ignoring me.

 

Thanks

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This morning i received a letter from them saying they are disappointed that i have ignored there letters and calls, If i don't pay within 10 days they are putting a default on my credit file.

 

If they are ignoring you go to your local CAB take all of the receipts/delivery confirmation for all of the letters you sent recorded delivery, with a copy of the letters you sent to the AA.

They will be able to ring them up and ask them what do they think they are playing at! If they refuse to talk to the CAB then this is another breach of OFT guidelines, but cross that bridge 'if' you come to it.

 

There is a hardship letter you can send them which you can find here clearly it will help you greatly if you can walk into the CAB with an Income and Expenditure (I&E) list already worked out.

Not only can they see that you are unable to keep up with the agreed repayments but it is a reminder for you also.

 

i know i should complain to the complaints dept, but i don't feel i have time to do this now.
:-o Your kidding me, of course you have time, you cannot do more than you have done, you have informed them that you are unable to meet the agreed payments, which they chose to ignore, you then told them what you could comfortably afford to pay instead, which they chose to ignore again, and, hopefully, you are paying 'something' toward the amount outstanding?

 

Do you know what letter i can send them to ask why they are ignoring me.
Have you a copy of their complaints procedure?

Did you take out their 'Credit Care'? Or any of their PPI?

They are regulated under the Financial Services Authority (FSA) and might, might respond if you write to them making a formal complaint that if they do not respond within five working days you will inform the OFT of the complaint and manner in which they treat customers.

AA Complaints Procedure.

That link will take you to their site and their 'complaints procedure'

'If you have a complaint, we really want to hear from you. We welcome your comments, as they give us the opportunity to put things right and improve AA service. We want to deal with your concerns as quickly as possible, so we've set up a three-step procedure to resolve your complaints'.

 

'Step 1: Let your usual point of contact know We need to know the nature of your complaint and how you think the problem should be resolved. You can do this by using the contact details in your Terms and Conditions or Policy document to contact us by telephone, post, fax or email.

We will try and resolve any complaint by the end of the next business day. If we are not able to do this we will write to you within five working days to either:

 

  • tell you what we have done to resolve the problem, or
  • acknowledge your complaint and let you know when you can expect a full response. We will also let you know how to contact the person or team dealing with your case.

If our investigations take longer, we will either provide a full response within four weeks, or give you an explanation of the AA's position, with timescales for a full response.

If at any stage you are still not happy for any reason, then this is what you need to do next:

 

Step 2: Follow up with our Customer Support teams

Loans

  • for Regulated Issues (relating to payment protection insurance), phone: Customer Services on 0845 606 1651
  • write to: Customer Care, 4th Floor, Premier House, City Road, Chester CH88 3AN

As it states on their site at the bottom,If you are still not satisfied with our final response or after eight weeks, then for some AA products (check the Terms and Conditions or Policy for details, or ask Customer Support), you can contact the Financial Ombudsman Service. The Financial Ombudsman Service will review your complaint, if for any reason you are still dissatisfied. The Financial Ombudsman will only consider your complaint once you have tried to resolve it with us. They can be contacted at: Insurance Division

Financial Ombudsman Service

South Quay Plaza

183 Marsh Wall

London E14 9SR

Telephone 0845 080 1800

Email complaint.info@financial-ombudsman.org.uk

 

 

However, as they seem to be ignoring you they give you no alternative really!

Try the CAB first, ask their opinion on what would be the best course of action to take, but first the AA needs to enter into some sort of dialogue with you, then you can always complain about them to the relevant agencies in your own time.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thanks again for your speedy response, I will write to the complaints department tomorrow see what response I get.

 

Can they acually put a defult on my file if i am paying them something? I know its not the full payment and its only 25% of it but its something, see the reason i am so worried about the default is i work in a bank and im worried i could loose my job if they credit check me and see i have a default.

 

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.

Can they actually put a default on my file if i am paying them something? I know its not the full payment and its only 25% of it but its something

 

Now that is something I am unsure of?? Anyone??

It will be hidden in the mass of small print on the terms and conditions of the loan, unless someone else has knowledge of this then I would ask the CAB. But I 'think' that the terms and conditions of the agreement would be that you would need to pay a set amount per month, then if you fail to pay that amount it then puts the account in default regardless of any amount you are paying toward it. As they would have worked out the interest on the total sum and length of time to pay it back at a set rate per month, it puts a spanner in the works and screws up their calculations if you can't meet those payments.

Which is why you can ask them to agree to a reduced amount per month instead of the agreed amount initially, the fact that they have completely ignored this extremely irritating and frustrating:-x

Try and set up an interview with the CAB, I am certain they can probably clear this all up in a day;)

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I have also noticed the date of the letter is 18th april and i only got it yesterday so 10 days is up today, i dont believe this letter has taken 10 days to reach me, they must have back dated the letter to worry me so i call them.

I will be writting to them today they had better no put that defult on my account.

 

Thanks again

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I have also noticed the date of the letter is 18th April and i only got it yesterday so 10 days is up today, i don't believe this letter has taken 10 days to reach me, they must have back dated the letter to worry me so i call them.

Was it sent 2nd class? did you keep the envelope as proof?

Just more ammunition to fire back at them, it obviously can't be that important if they send mail 2nd class! That would indicate the level of urgency you need to apply aswell ;)

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Unlucky for me the envolope does not have a post mark on it. I wrote a letter to the complaints dept it was nearly 2 pages long, attached photo copies of all post office receipts where they had signed for the letters to show i have been in contact with them every month since jan, and also attached the letters where im asking for them to accept a reduced payment and also the one where i send the reduced payment to them and note that they have cashed my cheques so to say i have not been in contact with them is utter rubbish in not so many words.

 

I have also asked them to investigate my account by re-reading my letters and listering to recordings of my phone calls to prove i have every intention of paying off my debt. Im am quite proud of the letter lol but weather it will get me anywhere i dont know.

 

Thanks for al your help Bazooka Boo, i will let you know if and when i hear back from them.

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  • 2 weeks later...

Hi

 

Please bare will me and read try not to fall asleep;) big rant alert

 

AA finanancial are by far the worst company i have had to deal with so far, they are pigs im so annoyed, after countless letters going back to Jan09, first i sent them a letter explaining had no money sent them a budget sheet to show them and offered a £1 token payment which i have been paying for 4 months.. requested my CCA got this turned out to be enforcable, so sent a letter to offer a reduced payment of £30 a month untill we get back on our feet. AA do not reply to any of my letters only send me countlessletters to say that if we dont pay arreres they are taking action and they are dissapointed that i have not been in contact blah blah blahm, ... err HELLO

 

I sent a letter of complait last week, with all my letters and the recipts from the post office (all signed for) to prove i have been in contact since Jan,to which they have replied for the first time in thier lives within 2 days, to say that HAVE replied to all my letters (no they have not) and have asked me for a budget sheet (which i sent to them back in Jan)

Now they are saying they will accept my £30 a month tempory and they will be passing this on to a DCA as i am nearly 7 months in arrerrs... they really dont know what they are talking about, i am 4 months in arrerrs not 7 months and why are they passing me over to DCA? Someone help me with this one please i feel like if i was in front of the person who wrote that letter I really would punch them im so mad.

Thanks Rant over :-|

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im dealing with the AA as well, just sent off 2CCA requests to them. In the mean time they are phoning 4 or 5 times a day, i told them the first time they called i was having difficulties and have sent them a letter etc, but they are still calling:mad:

 

looks like i be getting the same treatment as you soon.:Cry:

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Hi weeblewobble

 

They called me so many times, i changed my home phone number but they still called my mobile but at least i could see who it was calling, I tried speaking to them one guy was so rude to me thats when i stopped speaking.

I also sent the phone call harrasment letter and then didnt work they wrote back to me but said it was their right to call and the calls would continue until the arrers were paid up, honestly they have been the most stressful out of all of them, I hope your CCA turns out to be unenforceable but they are very clever in what they do and how they handle things.

 

They will be getting another letter from me next week because i want proof that they have sent the letters, its my word against theres at the moment but does not look like they are playing the game and are going to passed this onto a DCA anyway so i dont think im going to win this war.

 

Good luck

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Hi whatamess, contact the office of fair trading and report this, weeblewobble you might have to do the same, keep us posted.

 

Hi Blueda, shall i not bother to send AA another letter then? Just report them to OFT?

 

Thanks

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