Jump to content


  • Tweets

  • Posts

    • Again, massive thanks to you for the help provided. Two questions: Should I show the dealership correspondence from Blue Motor Finance? Should I send them this letter?   I have changed a couple of bits from your letter. Please see below the final draft:   Dear Sir/Madam, Thank you for your email on 6th December 2021 As you know, this is a hire purchase agreement and as such you are effectively the dealer to all intents and purposes. You have a contract with the dealer but that is a different matter and of course it isn't a contract governed by the consumer rights act because neither of you are consumers. However I am a consumer and I'm protected by the consumer credit act and you have all the responsibilities to me as if you were the retailer (which you are). You are a business which is regulated under the FCA – but also you are a business which is regulated under the consumer credit act and this makes you liable under any consumer legislation which I enjoy – in particular, the Consumer Rights Act 2015. The retailer has already indicated that they are prepared to repair the first fault which occurred – the seatbelt fault.  I'm fully prepared to drive the car back to Blackburn for this repair and also for a further diagnosis of any other defects. Of course, I shall be claiming the costs of this from you – in particular if it means that the car has to stay with the dealer overnight or longer and I have to return at a later date. By insisting on this option,  I take it that you do not have any objection in me driving a faulty vehicle for over three hours, therefore assuming the risk of making the transmission issue worse or even risking a possible catastrophic transmission failure.   As a gesture of goodwill to you, I'm prepared to try and take steps to mitigate your losses by taking the car to a repairer local to me in order to have the work and diagnosis carried out there. I should warn you that if you do prefer me to return the vehicle to the retailer in Blackburn, then I may well decide to carry out my own independent inspection should the retailer not agree that the faults which I am describing exist. If an independent inspection confirms my own view, then I shall be looking to you to reimburse the cost of this inspection in addition to any other costs I reasonably incur. You may feel that it is more cost-effective for you in the long term if I have the car repaired locally and diagnosed locally because then this will also amount to an independent inspection and avoid further damage to the transmission.   In respect of your reference to a warranty, please stop trying to fob me off on to warranties. I am perfectly happy to rely on my statutory consumer rights – and I think you had better understand that. I hope you also understand that warranties are subordinate to statutory consumer rights.   You say that your business is regulated by the FCA – and of course that is correct – and that also means that if you start making misleading statements or try to avoid your responsibilities to me then in addition to county court action I am entitled to make a complaint to the financial ombudsman service. The FCA may allow you eight weeks to investigate a problem and to produce a final response, but what the FCA permits you to do is subordinate to my rights under current consumer legislation. Your trumpeting of what you are allowed to do by the FCA is calculated to mislead me. Don't do it. You have sold me a vehicle which is defective and not of satisfactory quality. This is a breach of contract. Your statement that I'm not entitled to recover any reasonable foreseeable losses caused by your breach of contract is incorrect. In particular, your statement that as a consumer I do not have the same entitlement as a business customer is quite wrong – and also calculated to mislead me because I'm sure you must know better. I accept that it is fair enough that the retailer should have an opportunity to inspect the vehicle and to ascertain the fault. As soon as my position is confirmed, then I shall be looking to you to either arrange or at least to agree the cost of repairs so that they can be put in hand without any delay. Don't imagine that that will be as long as eight weeks.   I'm giving you seven days to let me know which course of action you would prefer me to take. I hope you understand that I'm trying to have your best interests in mind at all times. Yours faithfully
    • So long as they aren't unlawfully discriminating against you because of a protected characteristic, I presume that like anybody else they can pick and choose whom they do business with.    I understand places like Amazon and eBay will close "problem" purchaser accounts quite commonly, and will often also close other accounts that they believe are connected to a problem account  (eg same email, same physical address, same payment details etc).
    • Hi 1st all NO I will not turn it down I'm up there with the big boys   china Russia India me   with global warming   lol .  Thank you for your help but iv got nowhere with !  your repair !  As in terms of them replying  or help .its the wrong time year to drag this out fighting them while I got no hot water or heating.  I have left bad reviews on there sites  hoping that will help others from making the same mistake as me  ! joining there scam !.  As for the NEST  yes it's the government backed scheme for ppl on disability an low income to help warm there homes .  Just do what I did ASK   they can only say yes or no  and there supa fast . So thank you . I will be keeping a look in and see if any one else post about  !your repair!  As I can guarantee I wont be the last person scammed.   Cheers . 
    • Sorry yes was on a small screen.   Funny how it says settle at the earliest, but wont allow ooc?   Dx
    • Fraudsters are using the details of firms we authorise to try to convince people that they work for a genuine, authorised firm. Find out more about this 'clone firm'.View the full article
  • Recommended Topics

  • Our picks

  • Recommended Topics

Katie-Lou v Pounds till Payday


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4560 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

OK my fiancee got a payday loan from these idiots and i told her not to and on reading everyone's problems i wish she had listened to me.......... The problem started when she asked them why their was no Direct Debit set up and should she do anything to set it up on which they replied and said no. She also had a chat with one of the staff online and she has printed the conversation out. then a few days passed and we got call after call from them being nasty saying she had cancelled the DDebit and she had to pay their and then by card. So our Katie told them she was not willing to pay over the phone and for them to do it the proper way by direct debit. We also phoned the bank up and they said nothing had been set up. Today we have received a phone call off them to which they told Katie they have just spoken to her employer and that they have tried numerous times to get hold of us which is not true, and that from today they are gonna keep phoning us every day and her employer until its paid. I told Katie to ask them to pass it on to clerity which she did only to get a smug answer which was we will hold onto your account and you will be getting a call every day. shocking this as they are anything but polite. is their anything we can do??

 

 

Thanks

Edited by katie-lou
Link to post
Share on other sites

Hi

 

I too have had problems with then only yesterday, firstly inform them if they continue to telephone call you they are breaching the harrassment act (sorry dont know any details but am sure you will find details on this site) and that they are breaching the data protection act by contacting the employer without your permission (again sorry dont have any details), i stupidly got involved with them also, and unfortunately was admitted to hospital and could not repay the full amount this month, I spoke to the payments department and got a really rude guy who reluctantly agreed to take half this month and half next month, I cancelled my Direct Debit and agreed to pay by debit card, unfortunately am waiting for a replacement card from my bank which had not arrived yesterday when payment was due I called them to explain and got through to another very rude guy, I explained that I was not prepared to listen to his intimidating and threatning tactics and put the phone down. I then sent a lengthy email of complaint to Northway Financial who are part of PTPD and received a call this afternoon from their customer relations department apologising for there agents behaviour and will be assigning me a new account manager to deal with the oustanding amount, It might be worth a try to complain by email as the more complaints they have then they might have to do something about the harrassment and intimidating tactics that they use at present, I hope this is of some help and hope you can work things out

 

regards

Link to post
Share on other sites

To be honest - I wouldn't give them your new card number! there's a fair chance they'll empty your bank account. These payday loan companies have systems which apply for payment every day until they strike it lucky and hit on the day money is paid into your bank !!

 

Ask them for their bank details and then make payment via your bank - if you have online banking it will be even easier.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

Thanks for that should we let them pass the account as they seem really reluctant to do this? and do you have the email address to send the complaints letter to.

 

Thanks

Link to post
Share on other sites

no problems just google northway financial coporation and it will give you email address I would ask them to pass the account as from what I have read on here clarity seem to be okay just don't let PTPD intimidate or bully and let them know you will be passing a complaint to trading standard and office of fair traiding they dont like that hope this helps

Link to post
Share on other sites

Just tell them you are having difficulties and can't pay- they will soon give up. They are only allowed to keep for a month, then it goes to clarity. Your idea will probably work just as well

Enjoy your weekend

Link to post
Share on other sites

Hiya people i have just found the contracted my fiancee signed....... well when i say signed she only put her first name and second name and this was done on the computer no pens involved. I have edited the agreement by way of taking her second name out and our address could someone have a look through it and see were we stand, that would be great if you could. Also check all the spelling mistakes and grammar out. I know my grammar and spelling mistakes are bad but i have a reason, these people don't they are supposed to be a professional company :mad:

1PTPD AGREEMENT.doc

Link to post
Share on other sites

Legally an electronic signature is acceptable albeit the legality of the whole contract is probably debatable. I doubt PTP would want to discuss with you in court. They would have to justify their charges.

 

I must admit I was happy to pay but in my own time. The enforcability of the contract itself is not an area of my expertise but there are plenty of Caggers who will be able to help you if you want to follow this through.

Link to post
Share on other sites

we to want to pay the money back as you do and in our own time however we were going to pay in full until we were called liars literally down the phone my fiancee was called a lier so now they can wait for their money. On the contract side what i forgot to explain was i would like some advice on the phone calls and them contacting my fiancee work as and when they next contact her i can take they phone and dish out the good news as to what laws they are breaking and see what they have to say about it.

Link to post
Share on other sites

These monkeys are normally based in Malta or Ireland and will routinely try and abuse you to get you to pay up. You could quote the OFT and their guidelines for debt collection, basically they are not allowed to cause emarrassment or harass you. Because they are not UK based they think they are not subject to our laws etc. There is a harrassment letter in the template library you can use to send to them if you wish.

 

I would refuse to talk to them and wait for them to pass on. There is nothing they can do. To be honest I wouldn't have paid them if they called me a liar as well!

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...