Jump to content


  • Tweets

  • Posts

  • Our picks

    • 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
        • Like

Ang V LTSB


angmarie
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5367 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

The very first paragraph of the terms. If it pertains to everyone that applied, it doesn't say that - it says it is info for those applying for upgrades and that is now part of your dispute.

 

 

Pinky, sorry to butt in but im new and not sure how to start my own threads yet. I have requested on behalf of hubby SRA CCA from LTSB

today, my question to you and also the reason for the request is that hubby has not used card for years and has been maintaining minimum payments by D.D. Last week he received overlimit letter requesting £300 pounds payment:evil:. His credit limit was £2,000 and i wrote to them asking them to explain why credit limit has been reduced therefore putting the account overlimit. They wrote back this week saying if you are experiencing problems complete enclosed I/E forms. No mention of why i had to write in first place. Sorry im waffling but my point is if the original agreement was to state £2000, would that put us in good position.

 

Ang

Link to post
Share on other sites

  • Replies 63
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

  • 1 month later...

Hi all

 

I requested a cca from Lloyds on 10th July 2009, I have recieved a response asking for me to complete several forms asking why I want the information and insisting they need signature in order to continue.

 

I completed the forms only giving the information I feel comfortable giving and signed it with line through signature. Have not had response like that before so not sure what to make of it.

 

Any comments would be welcome:).

 

 

Ang

Link to post
Share on other sites

Ang, do you want me to move this thread ;)

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

Link to post
Share on other sites

Thread moved to LTSB forum.

 

;)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

  • 2 weeks later...

Hi all

 

Have I started this thread in correct place please.

I have today received response for cca request, it is a few general documents no signed agreement and a rather arragant letter asking which debt management company we are taking direction from:mad:.

We have already requested a SAR so that will be interesting. They say they are not at liberty to provide copy of original signed agreement under cca request:confused:.

They do say this:

We are endeavouring to locate the copy of your signed agreement:D:D:D

 

Shall I just wait for SAR request, will they have to provide cca under that request.

 

 

Ang

Link to post
Share on other sites

Have already sent account in dispute letter once, as the request was made about 8 weeks ago now.

 

 

Then they had better 'endeavour' harder to find your CCA as without it, they're stuffed.

 

Some banks try to say they don't need to provide the CCA under the Subject Access Request. Wrong - they do, that arguement was lost a long time ago.

 

David

Link to post
Share on other sites

Hi Cashins

 

What they have sent is pure rubbish, have read it cover to cover its just like regular a4 paper with my details typed in appropriate places.

Shall I re-send account in dispute letter even though they say they will contest any such aligation or shall I just write and say what is this manure you have sent me, giz me quid back lol :mad:.

 

 

Ang

Link to post
Share on other sites

Shall I re-send account in dispute letter even though they say they will contest any such aligation or shall I just write and say what is this manure you have sent me, giz me quid back lol :evil:.

 

 

Well, it's already in dispute.

 

Don't see why you can't write and point out that the account is still in dispute as they have not complied with S78 and you want your quid back, (although that will be like pulling teeth).

 

David

Link to post
Share on other sites

Cashins

 

This one for hubby, think i will just wait for SAR information they sent the SAR request forms to him and they were returned safetly. So I imagine they will process them although god knows what they will send:rolleyes:.

They have never responded to my own cca and have not chased payment YET. I also sent account in dispute to them on 14th Aug but have heard nothing. Is it best for me to now SAR them or sit back untill they chase payment.

 

Many Thanks

 

 

Ang

Link to post
Share on other sites

Hi all

 

Oh the Joy, another letter from LTSB today, repeating most of 1st Sept letter. I really like this bit though;

We have no obligation to provide you with a copy of the signed agreement, although we are STILL endeavouring to locate such a copy:rolleyes:.

WHY, waste your time LTSB when you have no obligation to supply under section78:p.

Best of it they invite me to meet with their Financial Health Specialist, now that makes me LMHO.

I have already sent SAR to them, daft buggers lets see what tripe they turn out for this request.

 

 

Ang

Link to post
Share on other sites

Don't be surprised if they try it on and mock up an agreement. In response to a CCA request sent to AIC before, he got a letter from AIC stating the agreement was unobtainable.

 

Then, it was a bit of a shock for him to receive a Credit Card CCA (he's never had a LTSB Credit Card) with his signature on, but all other details completed by two separate people.

 

The date of birth is unclear, and the phone number completely wrong.

 

LTSB aren't above dirty tricks - but then again, being found in possible breach of UN Sanction Law (as they were caught out doing in January this year) isn't above them, either.

 

Lloyds TSB and Iran (Sanctions): 12 Feb 2009: House of Commons debates (TheyWorkForYou.com)

Link to post
Share on other sites

Hi Ang:)

 

As F_DCAs says LTSB are not to be trusted in any way, shape or form - in response to a PPI mis-selling issue we have with them they sent our request and accompanying paperwork back to us on FOUR occasions and said they could find no record of the account or customer despite us sending them a copy of their own agreement as supporting evidence:-o

 

You just need to stand your ground and show them that you have no intention of giving up and going away, which is what they are hoping for!

 

Be prepared for them to use delaying tactics with your SAR request too as we found that even with that they were unwilling to comply within the prescribed timescales - keep to your timetable and if they don't comply report them to the Information Commissioners Office.

 

We have also reported them to the FSA who I understand are gathering evidence of all the 'fob-off' letters LTSB regularly send out:D

 

Regards,

 

Landy x

Link to post
Share on other sites

where landy? I would love to send them my details, not that they followed up my initial complaint 3 month ago.

 

 

They have served me with a DN today. Please take a look and let me know what you think

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

Link to post
Share on other sites

where landy? I would love to send them my details, not that they followed up my initial complaint 3 month ago.

 

 

They have served me with a DN today. Please take a look and let me know what you think

 

Hi Capricorn:)

 

If I remember rightly copies off all fob-off letters should be sent to Adrian Crick at the FSA - I'll go and check the address for you - be right back!

 

Regards,

 

Landy x

Link to post
Share on other sites

Right - the address is -

 

Financial Services Authority

25 The North Colonnade

Canary Wharf

London

E14 5HS

 

I haven't sent mine there yet, but when I do I'll just mark it F.A.O Adrian Crick.

 

My previous letter I sent to the Waivers Team, but the address is still the same.

 

Hope this helps!

 

Regards,

 

Landy x

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...