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    • I've just seen your new post. A letter before action is the same as a letter of claim. You don't need a template. You simply need to inform the garage that the vehicle you bought has developed X defect, Y defect, Z defect. He has already been informed of them and given an opportunity to repair and he has either refused the chance to repair or else he has attempted the repair and it has failed – whichever is the case and so under the consumer rights act you are asserting your right to reject the vehicle and you want him to make the appropriate arrangements to collect the vehicle and to refund you the purchase price – plus any associated losses – and if he does not do so within 14 days then you will sue him in the County Court and without any further notice. Don't make this threat if you're not serious about going ahead with it. On day 15 issue the papers. In the intervening 14 days register with money claim and start preparing your particulars of claim. You can post them here if you want us to check them. Whatever you do, on day 15 you send them the good news
    • Well done Shelley. I'll amend your thread title.   HB
    • I'm afraid that your story is rather overlong. It would have been easier to understand it all if there had been less of a narrative and more of a bullet pointed chronology of facts. Although you informed the dealer within 30 days that there was a problem, the Consumer Rights Act requires that there be a clear and unambiguous assertion of your short-term right to reject the vehicle. It doesn't appear to me that you have done this. This isn't a problem at all because you are still well within six months. I understand that you have given them an opportunity to repair and that you have now rejected the vehicle. This is enough to trigger your rights under the Consumer Rights Act as long as the defects which you are complaining about are sufficient to render the vehicle as less than satisfactory quality. As I say, I haven't read through the detail of your story and I certainly haven't looked at all of the PDFs that you have apparently uploaded but I get the impression that you have been quite meticulous in keeping records. I've looked at the Google reviews of Elite and I have to say it doesn't bode very well. https://www.google.com/search?q=Elite+Preowned+Vehicles&rlz=1C1CHBF_en-GBGB822GB822&oq=Elite+Preowned+Vehicles&aqs=chrome..69i57j0l2j69i60j69i61l2.575j0j7&sourceid=chrome&ie=UTF-8#lrd=0x47d8aa4f43f644d7:0x8e93221101489523,1,,,  There is no trust pilot page for them as yet. Maybe you would like to attend to that. You say that the dealer is fond of using social media so that kind of thing is important. Site team member@dx100uk has already suggested that you issue a letter of claim and that certainly seems the way to go although if you are driven to actually mount a claim and presented in court that I hope you won't mind me suggesting that you need to stop being a little bit more economical about the way you present your case. Just in case there is any debate over the defects which have been discovered and their significance then if you haven't done this already, you should make sure that you have got assessments and even quotations for the work from independent garages.
    • Hello dx100uk. Thanks for your attention and help with this. You had an even later night than me! I clicked on the 'letter before action' link which you kindly gave me. This took me to BankFodder's post 'Small Claims actions in the County Court FAQ - work in progress' which I have read through and also the 'Pre-Action Protocol' and 'Letter of Claim' links. I couldn't find reference to a Letter Before Action or is this the same as a Letter Of Claim? Also, my rejection letter already mentioned a 14 day period (taking us to 05/08/2019) for him to get back to me. Is it ok to send a Letter Before Action now? I only ask as I wouldn't want this to be viewed dimly by the court if it goes that far. I do understand that I need to take action as soon as possible so these are just a few clarification questions. I shall google for some Letter Before Action Templates and put something together. Thanks again.
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tiptopman69

Wentworth Direct Finance

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Im another victim. Feel really stupid for not checking them out properly. Will be sending them a recorded letter asking for refund, with a copy of t/c`s...

 

Appreciate advise above

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Hi lfcsteve35

 

If its any consolation, they replied to me within a couple of days of sending the first letter by recorded delivery, asking me to send copy of drivers license and copy of utility bill (I think), which I promptly sent, recorded again. Received the cheque, minus the £5 admin fee, within a week.

I even got junk emails from Wentworth after this trying to entice me to take out a loan with them, and interestingly, it was clearly stated on the email that your details are passed to another company to process the loan, so maybe they are covering themselves after receiving so many complaints.

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yet another victim here wentworth took brokers fee twice out my account i have faxed them twice clearly stating this on my bank statement tho still no refund i will write a letter and hopefully get most of it back what address hav people been sending these letters to coz i hav a address for wrotham road kent should i just send it there?????? please reply thanks james

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Please do not trust this sort of company especially Wentworth Direct Finance! They are such a [problem]!! They are useless I am surprised that this company still running and keep take advantages of people. It's same story as others I paid £59 for broker fee and I've been accepted for loan of £2000 regardless any circumstances even I'm in full time education, work part-time and can't get any pay slip. It has been over 2 weeks nothing happened apart from the letter from another company called Ralph Marlon Ltd which i have to pay them another £30 and they are nothing to do with Wentworth Direct Fiance at all this has been confirmed by this company. So i wrote them a letter to request the refund back but they refused to refund it because they wanted to see my pay slip! (The best way to contact this Bull**** company is by write to them otherwise you will your money on phoning, they never answered the phone!) I have already contacted the Citizens Advice Bureau and they are willing to take on my case if I don't get the money back.

 

PS: Please don't listen to this company trust me:-x:-x:-x:-x

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Well,well,i got my hubby's money back,the cheque arrived this morning.

 

They dated the cheque 6/10/09,posted it on the 16/10/09,£64.50.

 

I sent the letter i posted in my previous post.

 

Wenthworth are STILL sending letters telling him he's approved for a loan.

 

:rolleyes:

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Hi everyone, I am another victim. Shame I didn't read all of you before..anyway I will go to my bank to cancel my card and to ask for a charge back, then I will send THE letter to Wentworth to refund my money..lets see what happens.

 

I've got another adress for what is worth:

 

Ralph Marlon Ltd (personal loans)

Suite6, 1st floor, WIRE House, WIRA Business Park, Leeds. LS16 6EB

Tel 0845 5191 072 Fax 0845 5191 073

 

Lets hope somebody closes them up soon!!!!

 

;)

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Hi

 

Sorry to jump in on your thread, but i have just been through Wentworth and I am in a worst situation than I was before I searched for them.

 

Other than being told I had a 15.2% Apr Loan and paying £69. I have now been told that I have not got the loan an I will need to speak to Ralph Marlon Ltd. This is the company who can search for the correct loan for me. Really confused because I paid Wentworth to do this job.

 

Anyway it gets better.!!

 

I filled in my form with the relevant documentation needed to them on recorded delivery 1st Class.

I have waited 10 working days as stated by Wentworth Advisor, which is today but nothing.

 

I phoned Ralph Marlon up and they have advised that they have not received my docs. Yes Royal Mail have now lost my life docs through the Post.

 

When I advised this to Ralph Marlon they said that there is nothing that they can but advise to apply on there website. So why wasn't this advised at the start.

 

ARRRHHHHH I am now stuck without a loan of 15.2% Apr, £69 out of pocket and my life has been lost.

 

Has anyone got some advice as I'm now at breaking point.

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Just to add. I called them at 5:30pm today and was 25th in the cue.

 

They closed at 6pm and was 7th in cue. I left the phone ring till 6:30pm and I was still in the cue. Really confused?? do they close and go home when calls are still in cue. Because that is not customer service.

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If you go on to Ralphmarlon.com website you will see the correct APR loan you will be excepting

 

91.9% APR.

 

And there web page is so similar to Wentworth.

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Hi

 

Sorry to jump in on your thread, but i have just been through Wentworth and I am in a worst situation than I was before I searched for them.

 

Other than being told I had a 15.2% Apr Loan and paying £69. I have now been told that I have not got the loan an I will need to speak to Ralph Marlon Ltd. This is the company who can search for the correct loan for me. Really confused because I paid Wentworth to do this job.

 

Anyway it gets better.!!

 

I filled in my form with the relevant documentation needed to them on recorded delivery 1st Class.

I have waited 10 working days as stated by Wentworth Advisor, which is today but nothing.

 

I phoned Ralph Marlon up and they have advised that they have not received my docs. Yes Royal Mail have now lost my life docs through the Post.

 

When I advised this to Ralph Marlon they said that there is nothing that they can but advise to apply on there website. So why wasn't this advised at the start.

 

ARRRHHHHH I am now stuck without a loan of 15.2% Apr, £69 out of pocket and my life has been lost.

 

Has anyone got some advice as I'm now at breaking point.

 

Hi Im sorry to hear your misery, they stink that company but il give you some advice as to what I did. We applied the same way. They were due to take out the admin cost of £59.00 on the thursday, which they left til the Monday 14th dec 09, in between this I had rung up and cancelled this agreement, nothing was signed anyhow. They then had the cheek to take out two lots. I sent e-mails and prob like yourselves rung up huge phone bills trying to get hold of them. They said we havent taken out two fees so I faxed them the bank statement, alongside 2 threatening letters, stating that i had contacted my solicitor and for them to refer to the credit consumer act 1974, stating that it is against the law to charge folk more then £5 brokerage fee. I also said i had contacted watchdog, dont get done get Dom from the bbc and I would go to the national papers etc. They had breached their contract as traders. That was Tuesday. Thursday I had a full refund and they hadnt even taken the £5.00 fee out, so it pays to keep on at them, I suggest you send a letter, (recorded delivery) and keep faxing them if you can. I got mine back because of my threatening letters, it scares the **** out of them. Good luck

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Hi there,

 

I have had the same experience as you. I applied for a loan on Monday and then read some reviews about the company on the web. I rang them back the same day and told them I wanted to cancel, to which they replied it's all been cancelled and no fees would be taken. However one week later, they took £59 out of my account. I got in touch with the Office of Fair Trading who told me to write to them telling them they broke the law for misrepresentation. I stated the facts in my letter along with given them 2 weeks to refund my money otherwise they i'll take them to court. I got a letter today (25 March 2010) telling me I need to send the a utility bill and a recent payslip in order for them to refund my fee which they will issue in due course. PLEASE PLEASE PLEASE DO NOT HAVE ANYTHING TO DO WITH THEM. I think the cheeck of these people goes beyond the **** of the earth. They'll rot in hell for how they prey on poor, vulnerable people. I think we should start some kind of group against them. I would love to meet the owner of this company. I will be speaking to the OFT to see what they suggest, but rather than communicate with Wentworth anymore, I am just going to issue them with a summons for the small claims court. I'll keep you posted, but please avoid these people with no morals like the plaque.

 

Skeeloj.

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Another one to watch out for is City Finance or Financial whose website is down. I was lucky to cancel my card before they took the payment of £55. Are they linked to Wentworth too?

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Hi,

 

does anyone have any contact numbers for wentworth other than -01753 25848?

 

Thanks


Please sign this petition - Asking for the government to drop the length of time credit ref agencies can hold data on us!!

 

http://petitions.number10.gov.uk/CreditRA/

 

:smile::p:rolleyes:

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To all,

 

I too have been fiddled by these muppets, but luckily havent sent payment as I smelled a rat at the statement of paying a fee.

 

Upon reading through the last few posts, the people who have been looking up the licence on the FSA register are incorrect...if you read the website, the licence is not with the FSA it is a consumer credit licence and is registered as Wentworth, and another company name, Capital First Loans UK.

 

See for yourself Public Register

 

Use Wentworths Consumer Credit Licence No: 469755

 

Whats more interesting is that if you take a look at their history, and look at the latest application to renew the licence, they have had most of their licence categories removed. just click on the history button at the bottom of the page to see their licence history.

Edited by Invadus

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Up to above one:D

 

Funny thing when checked now license expired on the 4th may. They trying only 'keep the face' ; keep probably for founding and resending 'potentials' to 'ugly daughters'. After reading all posts I would like to believe ( even something is tellin' me that ) that all You people are going to win total war soon.

 

..and by the way cos cannot remind similar case in other posts. Have applied and paid at the begin of April; in the second week received letter from nu-ralph feat. CaFiLo but because I was going abroad didn't bother. Just got back week ago and during cleaning my always mess room found letter nearly forgotten. Of course I wanted to contact them and must say, found that amazing page during discovering alternative number to their burnin' hot-line. Can I still get my money back after (soon) 2 months? Basically except signing and paying, non of the sides haven't done a move; and they should at least contact me. Is this a reason to do something? Don't know, a special purpose letter or similar thing?

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Dear All

 

I wanted to let you know that there is a way to solve this.

 

I was in the same situation as many people on here, having stupidly paid a £59 arrangement fee for a loan that didn't materialise.

 

The best way to solve the problem is to get onto the Financial Ombudsman. They are away of Wentworth and wrote a letter to them which was followed up by a letter from me. By law such a fee has to be refunded if nothing has been arranged after 6 months have elapsed, and today I have duly received a cheque for £54 (an admin charge had been taken off) which I am more than happy with.

 

Previously I had gone through Consumer Direct but was making little headway, so get in touch with Financial Ombudsman Service.

 

Persistence does pay off in the long run, believe me!

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