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    • When you post information here you will have to post it in single file multipage PDF format. Follow the upload link. However, it would be more helpful if you could simply answer the questions that we have put to you and we can deal with paperwork afterwards if we think we need it.  
    • I was trying to post all the paperwork that I have, namely facebook ad, messages between the seller and my son etc . But I'm getting the message that the files are to large. 
    • First of all please can you tell us the name of the seller, something about the van – age/year, mileage, price paid. How far away is the seller from where your son lives? Who do you take it to for this inspection? Are they prepared to give you a written list of the things that they found? This is very important and you may well have to get an independent inspection from somebody such as the AA. This will cost you some kind of feedback we expect that we will be able to help you get it back. I would say that if you have to bring a court claim – which is likely – then your chances of success are better than 95% but the difficulty might be enforcing the judgement against the seller. We will have to no more in order to give you better advice. Does it have an MOT? What is the date of it and who gave it the MOT? I suggest that you start taking pictures of all of the defects that you can find.   Also I am going to say that I believe that you came over from Facebook where you were already informed that we would need at least all of the information which I have requested above. It will save a lot of time and effort for everybody if you can simply come up with the things that we ask without too much delay
    • My autistic son brought a van from a private seller. ( there was 5 other cars on his drive and another van, plus loads of machanic tools in his hallway,  so he probably is a unofficial dealer).  He gave the van a once over, he checked for any warning lights that might be on, there was none. He checked underneath for any rust etc, it all looked fine. The body was rough, but you'd expect that for the age of the van.  He got his brothers machanic to give it a pre mot check, as the van was old so he expected it to have a few problems. The van is a deathtrap, the seller had blacked out all the warning lights that were on the dash,  and I mean all.  He had also painted some kind of black stuff on the underside, to hide all the damage there.   My son drove it for over 2 hours to get it home. The machanic said he's surprised my son is still alive, and an untrained eye would not of seen what the seller had done.  Iv asked the seller for a refund and for him to have the van back, but he is refusing. Is there anything we can do.   
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HSBC Credit Card


rudy691
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Ahh, thats probably because HSBC don't have it. As I have said, Metropolitan are HSBC, they are just trying to make out they are different.

 

I think that you are looking at it in a logical way, when Creditors are not logical. The law says they must keep the agreement, and provide you with a substantive copy. They should then have that agreement when they want to enforce it.

 

In their wisdom, they coppied all of the agreements, then threw them away. They now expect the establishment to cover their backsides when things go wrong. Guess what, they do.

 

They will keep hounding you until they decide to give up or take you to court.

 

Imagine how many people do not have a clue about CCA law and just give in. I doubt if 1% of people in financial dificulties belongs to a forum like this one.

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my missus just send me a text that Metro send another letter with something that was supposed to be a copy of the agreement, but it's not ;)

 

from what i missus said, its the same thing like HSBC have send her before as an agreement:

http://www.consumeractiongroup.co.uk/forum/show-post/post-2655730.html

 

its a credit card request form with her details filled in (obviously by HSBC ;) ) with no signature

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so this package from Metro was rather big ;) they've made a better effort than HSBC itself did ;) this what they've send:

 

 

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os4fgk.jpg

a1tjwz.jpg

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xqg6bn.jpg

2e2ozf6.jpg

 

 

on top of that they've send:

 

- statements since May 2007

- credit card agreement terms from 2005 (pages not numbered, no siggy)

- important changes to credit agreement from 2008

- t&c from 2009

 

no signature anywhere. that credit request form was freshly filled in with a pen, ther even was a mistake in my missus first name ;) they've put the old address there too.

 

what would be my next step ?

 

thanks in advance.

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They don't have to provide a signature, but it has to be a true copy of the agreement that you signed, not just a blank form filled in by someone else, unless this is what the agreement that you signed looked like.

 

There would have been no room for the PT's on this document.

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Payment Terms Rudy .......... :)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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  • 1 month later...

Tell 'em to provide the documentation you require and point out that until then this account is well and truly 'In Dispute '....read my previous advice rudy , it still holds good ....... they can't take your missus to court without an agreement ....... :)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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  • 4 weeks later...

Hi rudy, no they don't. It is incredible how stupid they can be.

 

You need to go back to them, stating that the documents supplied bear no resemblance to any initial agreement, therefore this can not be a true copy. Ask them if they are genuinely confused or deliberately trying to mislead.

 

Agree with them that they can reconstruct, but that it must be reconstructed from the original agreement, so that there is no doubt as to the content of any agreement.

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  • 1 month later...
  • 4 weeks later...

had a surprise letter from Metro today ;)

 

had nothing from them for a couple of weeks, despite that Final Demand that I've received last week

 

anyway, here it is:

 

2ekm05l.jpg

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2dgrxv9.jpg

2v2e26g.jpg

fu13py.jpg

 

 

 

they've also send me credit card t&c's from, what it looks like, time when I took the card, current cc t&c's and "changes to the cc t&c's" - all scans, no leaflets. also on that "agreement" they've put my address from 4 years ago.

 

can somebody take a look at this and share some advice ?

 

Thanks in advance

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Vint is right Rudi , .... if it's 'reconstituted' , which they say it is in their letter , then it won't have your signature on it ......in which case it's OK for it to be able to demonstrate to you 'what you(maybe) would have signed' .....but no use for court.............

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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