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    • Thanks for letting us know about this. I'm afraid that this website is mainly bad news about companies so it's very refreshing and very decent for someone to come along and to give praise where praise is due. How about a link to their website?
    • Having a little additional think about this, I think that your interests are best protected in the following way: You inform the seller that you are obtaining the quotes which I have referred to above. Having received the quotes, you then inform them that you are proposing to have the work carried out at XXX garage and that you will expect that the seller will reimburse you for the costs and associated expenses. You can tell them though that you understand that they may want to control the work being done to the car and so you are willing to allow them to do it but as the fault has manifested itself at this point and that it is clear that the problem is their responsibility, if they wish to carry the work out themselves then they will have to organise the collection vehicle and the delivery of it to you once the work is completed. Of course this will be very expensive for them and they will either fail to respond or they will refuse. Whatever their reaction, you would then go on to say that as they have failed to respond/declined the invitation to carry out the repairs themselves, that you are now going to your preferred garage – one of the two quotations which you have supplied – and you will have the vehicle repaired there. You are giving them an opportunity to comment. I think that if you use this approach, then you will be able to demonstrate very clearly that they had a choice and therefore they will be unable to disassociate themselves from the repairs which are eventually carried out at your chosen repairer. Even though this exchange of correspondence may mean that it will take a week or so longer to have your repairs carried out, I think you should do this in order to protect yourself in the best way possible
    • Please name the dealer   I would start off by sending them a letter of rejection seeing as you are within the 30 days. This doesn't mean that you have to reject it but it reserves your position. Secondly, on the basis of what you say, I don't think that you need necessary to find the cheapest place. You should be looking at the best quality that you can find. I think the best thing to do would be to get to competing quotations for the work you propose to have carried out – and not necessarily at the cheapest place, but a couple of proper reputable garages – authorised for that kind of vehicle. Inform the dealer as to what you are doing and providing with copies of the estimates for the work before you put it in hand. Give them five days to object or to make other comments. Make it clear to them that once the work is carried out that you will be looking to them to reimburse you. Of course you are opening a can of worms here because if you get some further problems – more serious – you may find that the dealer is starting to say that because you have carried out your own work so your own repairer on the car, they cannot now say that any defects were inherent in the purchase – and that they may have been introduced by 1/3 party repairer. I'm afraid that you have certainly fallen into a trap of buying a car a long distance away from where you live. We find that people often tend to do that because they think the car they have found is the only one in the world for them. They forget to factor in the difficulties that they will be if there are defects – particularly if the car stopped altogether – the cost of transportation to the dealer, the cost of having to travel up and down the country to collect the car – and of course these difficulties could emerge several times through the initial years of your ownership of the vehicle if you are relying on your statutory rights and expect the dealer to meet those obligations. Furthermore, if you have to bring a court action against them you are now dealing with multijurisdictional claims – suing out of Scotland against the defendant in England and that adds to the complications. It's too late for you to do anything about this – unless you actually decide to reject the vehicle – but at the very least, other people who come across this thread may get some benefit from these comments. I think it's important for you to get the best quality repair you can and to make sure that the dealer is aware of what you are doing so that if later on they try to deny responsibility for further defects, that you will be able to show that they were fully appraised of what you are doing and they will have less room to manoeuvre themselves out of their statutory obligations. I'm afraid that purchasing a car from one dealer and then having it repaired by another service provider, brings into the same kinds of difficulties that somebody who purchases a central heating boiler from one supplier and then has it installed by a different supplier find themselves in. When things go wrong, the seller blames the installer. The installer blames the seller – and you, the customer, are piggy in the middle. Not a good place to be. I notice that you are doing things on the telephone. Big Fail! Read our customer services guide. In your situation you should be extremely careful to make sure that you have got a record of everything and a full paper trail
    • What information do DVLA need for a provisional licence ?   Think the ID issue needs to be looked at a bit more. Surely you have birth certificate, school information, Doctors records. School and Doctors should provide a letter to help with ID.                
    • Amex as with any creditor must help you the FOS should go with you and make them remove all interest charged from the very 1st time of asking for help. the FCA regulations actually almost dictate it, they most certainly clearly state that if the are FCA registered they must help.   it's very telling they have no marked your credit file....almost as if they know they are wrong. it's also telling that an irresponsible lending complaint might well be in order hear too, they can just keep upping the credit limit without checking you can pay. and ofcourse covid plays its part here and they've already admitted as they allowed payments holidays until october in line with the rest of the industry and they should be continuing that. you problem is you keep using the phone, no paperwork no record of things discussed. i'd get an SAR off to them. and get the comms/account log and all the statements from day one and go nail them.
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      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
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Monument Credit Card.


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Further to my previous posts, I have more queries regarding this joke of a credit card company. I have requested 3 times now a copy of my CCA. They have sent me a photocopy which is not a full agreement and they say they do not have to. They have also closed my account and are threatening either court action or a dca. Also on the statement I received during the week, I notice they have added interest. The letter I received saying my account was now closed was dated 17/04/09, yet also on the 17th they addes £19.05 interest to my account!! Is this legal? Surely if an account is closed they cannot add interest? What do I do next? I have applied for a D R O and am awaiting the outcome but I dont know how long this takes.:confused:

The man of my dreams is where he wants to be. If he wanted me, he'd be here ... :eek:

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Through no fault of my own, I got into serious financial difficulties at the beginner of the year. I wrote to all my creditors advising them of this, but one in particular, Monument Credit card, has excelled itself in the field of harassment.

I have sent them a complete run down of my incomings.outgoing (as requested) a list of my creditors and amounts (as requested) offered a token payment every month (declined) I have also sent them the 'do not harass me by phone calls letter' (ignored) 3 requests for my CCA. I got a letter back which was a photocopy of my application form (nothing sign by them) I have told them my account is in dispute because of this (ignored, they continue to phone up to 5 times a day asking me to 'bring my account up to date' even though they closed it last month. I am making token payments of £5 a month, which they say is not enough, yet still accept!!! Pay Plan has also written to them advising them that as my debts are quite large, and my income small, they cannot arrange a debt management plan for me. They asked that they freeze charges for the time being. (totally ignored, yet one of their call handlers told me if I sent them a letter from PayPlan explaining things, they would have to accept it) What do I do next? I have contacted Trading Standards (useless) OFT (say they cant help) and FSA (no reply) Since Mar 18 there have been over 80 calls from them. I have answered 2.

The man of my dreams is where he wants to be. If he wanted me, he'd be here ... :eek:

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Blondie, you're in the wrong forum here for debt advice. Click the red triangle & ask a mod to move it & then you'll stand a better chance of getting your answers. :)

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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It's OK - you have opened a new thread but not in the debt forum. Just ask a mod to move all these posts to the forum you want to post in.

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Hi, blondie46.

 

I'll move this thread to the DCA Forum.

 

Regards.

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Hi there:)

 

With the phone calls, my own personal experience is that if you ignore them they tend to get worse. I'm not for a minute saying get into a conversation with them, or even go through security, but for us it worked to just repeat parrot fashion;

 

'I do not discuss financial matters over the phone. Everything must be in writing, and you have been told this. I'm going to hang up now, goodbye'

 

For some we did this but had to combine it with letters complaining about them ignoring the previous letters, while others realised phoning was a waste of their time pretty quickly.

 

It's probably worth a go anyway, as it's no worse than that tension that immediately hits every time the phone rings and you don't know who it is. If you can change your tack and tell them to bugger off (so to speak) rather than trying to ignore the phone, you may well find you're a lot more stress free from that point of view.

 

It may also be worth your while writing to someone with a bit of oomph there rather than their standard complaint dept. Try the CEO or similar, explaining the harassment and including a copy of the letters you've sent that have been ignored. That may get you a better response?

 

If you do decide to answer the phone to them, either get a cheap recorder or at the very least tell them you are recording the call - that normally makes them behave a little more politely for a while! I must re-iterate though, if you do talk to them make sure it's short and sweet. Don't go through security and just repeat 'in writing only' every time.

 

Have you tried SAR'ing them for the agreement? It's a bit harder for them to ignore that than a CCA.

 

With the lower payment, I've had exactly the same with OH's MBNA account. After asking several times for them to agree to a plan without success, I wrote and told them I had no choice but to lower the amounts. They did continue to add charges and interest until I wrote a letter that included this paragraph

 

Further to my letter dated 21st July 2008 (received by you on the 23rd July 2008), I have still not received anything in writing regarding the reduced payment plan that I have been trying to set up. I have though received statements showing interest and charges being added, despite the fact I wrote to you regarding my current severe financial problems back in June. I am not sure what is to be achieved by penalising me in this way, other than increasing the debt owed to your company.

 

For whatever reason it seemed to spur them on to drop the charges and interest (possibly they realised should this reach litigation or if I complained to the right people they'd look rather poor if they continued?) Maybe it would work for you if you include something similar in another letter?

 

They still didn't accept the reduced payment offer though (although like you they didn't refuse the money) and we did end up with the account being sold on:rolleyes: At least the interest etc had been stopped though.

 

I did this because the form they sent appeared to be enforceable - I may have changed my approach if it wasn't.

 

Can you scan the form they sent (removing all personal info) and post it up? I probably won't be able to tell you anything from it but there's many who can!

 

That's all I can think of for now.

 

Keep your chin up, and remember there's a lot of support on here when you need it.

 

Lexis:)

Time flies like an arrow...

Fruit flies like a banana.

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Yes, but also I've just realised that you've said the account was closed but haven't mentioned anything about a default notice? Or am I just going word blind?

 

If they terminated the account without sending one they're in a bit of a pickle.

Time flies like an arrow...

Fruit flies like a banana.

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Yeah, they have sent the default notice. Attched is what they sent me in reply to my request for a CCA.

 

 

 

 

 

blanked out cca from mon.jpg

The man of my dreams is where he wants to be. If he wanted me, he'd be here ... :eek:

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Well, it doesn't appear to include the prescribed terms but it's a bit small to read blondie. Could you use photobucket or similar to upload again please?

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Can you send me the link to photo bucket please? Dates are ok as far as I can see (my birthdate is right cos I put it on there but as regard anything else, [email protected] not sure. Know I've had the card for a long time though)

The man of my dreams is where he wants to be. If he wanted me, he'd be here ... :eek:

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Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Dates are ok as far as I can see (my birthdate is right cos I put it on there but as regard anything else, [email protected] not sure. Know I've had the card for a long time though)

 

I think lexis meant are the dates legit on the DN? i.e have they given you the correct statutory time limits to rectify the default & was it sent in the prescribed format?

 

If you want to post that up aswell (minus personal details) for further advice, please do so.

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Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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I think lexis meant are the dates legit on the DN? i.e have they given you the correct statutory time limits to rectify the default & was it sent in the prescribed format?

 

If you want to post that up aswell (minus personal details) for further advice, please do so.

Oh, I dont know about that! I just read default notice and that was that :(

The man of my dreams is where he wants to be. If he wanted me, he'd be here ... :eek:

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I think lexis meant are the dates legit on the DN? i.e have they given you the correct statutory time limits to rectify the default & was it sent in the prescribed format?

 

If you want to post that up aswell (minus personal details) for further advice, please do so.

 

Yep, I did:) I was in a rush and didn't post a full sentence, sorry about that!

 

AFAIK, if that's all they've sent for the CCA they're falling pretty short of the mark. They'd need to have also sent historic and current terms to have complied, but as it stands they a) haven't complied and b) haven't sent you an enforceable agreement from what I can see. I'm sure I'll be corrected soon enough if that's off the mark, but it looks pretty rough to me.

 

It's a good start at least, as they haven't sent you a generic blank document but an application with your signature. I hate it when you get the blank one as they could have anything stashed away and just couldn't be bothered to find it. I always feel when they send one with your sig it's in the hope you'll assume they're all legal and legit. Of course they may have something up their sleeve, but I would be happier to recieve this than the alternative as I reckon it means it's less likely they have an actual agreement.

 

My thinking behind that is that it's unlikely you'd have been asked to sign two seperate documents (at least it's not something I can ever remember having to do?!), so if they send you something like this it is (with any luck) the only thing they have.

 

If you can afford the time/cash, my next step tends to be to get an SAR out specifically requesting copies of signed original contracts and see if that throws up anything else so I can be more confident of my footing. Other people would however just tell them to bugger off at this point, which is also be a valid way to go (although in my opinion more risky) - it's a personal choice really.

 

If you can get the default notice posted too then the dates/form etc can be checked as foolishgirl mentioned. If they have messed up on that it's another nail in the coffin for them:)

 

Lexis:)

Time flies like an arrow...

Fruit flies like a banana.

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Not sure what's happened here blondie - the links above in posts 17 & 19 take me to an image headed Cap1 & what appears to be a generic T&Cs for a credit agreement. :confused:

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Oh sorry, not very good at this am I ??

 

 

 

This was the one I meant to post. It is the default notice from Monument. Sorry for the mix up, I'll get me head around this one of these days

Edited by blondie46

The man of my dreams is where he wants to be. If he wanted me, he'd be here ... :eek:

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Blondie, youve left your acc number on,

remove it before prying eyes identify you and your intentions ;)

 

What date was the dn issued, and when was it received,?

 

Mak

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Was there another date on this letter other than the one you were expected to settle by?

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I can now see the DN Blondie. The only thing I would question is the timing - see mak's post above.

 

However I can't see your agreement, only Cap1 T&Cs. Lexis seems to think there was a signature? :confused:

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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