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    • stuff and all they can do .......they are TOTALLY powerless   and you are well used to dealing with REAL bailiffs anyway looking at your history   
    • ok Finally got home!   I'll try and keep it short however we finally got to an agreeable place   Walked over to sales as there was no more servicing could do especially as the aftersales manager quite simply said they will not be footing the bill. Spoke to the salesman, updated him and he was lost for words and had to ask me where things were left -  Requested senior management to come down - both head of business and general sales manager are off for half term.  That left the buying manager - ironically the same who purchased the car in for the dealership.  He was called downstairs but in the time that he did, he must have called the aftersales manager.   Once down, everything suddenly changed -  I was told they are now 'reaching a compromise' (I assume between the two departments) and it will be put right.  The part is being ordered, is on backorder for 2-3 weeks and once in, they will fit it. This of course means I am potentially out of my 30 day exchange/1000 mile exchange however appreciate I can drag it out if it came to rejecting it.    I got the aftersales manager to put in writing the part IS being ordered and if the part does not for whatever reason fix it, I CAN exercise the exchange regardless of how many days/miles I am out. --This was CCd to the sales manager, the service advisor and the buying manager stating he is accepting/making the decision in the absence of the two other managers.   So all in one- another wasted 5 hours there + the drive up/down but we are hopefully now at a point the final issue will be either permanently fixed or it will be the deciding factor of returning the car.  The part-ex has also gone so it's not like we could even just change back for now.   The part is scheduled to arrive pretty much the week of our due date which really messes this up in terms of transport/planning however we'll cross that bridge then - for now, I need to destress the other half who really did not need this especially with what is essentially for her the baby car    Could I ask - IF it does not fix it and we decide against the exchange - can we still reject?  If we can, what happens to the part-ex thats now gone/auctioned off?   I too believe 99% it will fix it but just curious.     Also just for anyone else taking an interest, the MMI unit that is faulty is not just the navigation but everything Audi - phone, radio, cd, sd card, service indicators, settings for the various components - its all part of the MMI brain.  And so the reason this is important that it is resolved is usually with this unit, if one part fails, it's likely the entire unit will fail.      
    • They don't have to care.  This is Britain - the biggest reaction will be some mild tutting.  The main goal now must be to keep the fear factor high whilst ensuring the pockets of the few continue to be lined.   
    • Cat 6 Marker then. Thats one of the worse you can get.  As @Andyorchsaid... You might need to go to the FOS etc to get this done. We had someone else who went all the way with Tesco and lost. Cat 6 Markers are very difficult to get removed.
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Up date on Payday Loans any advise welcome


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Thanks to all the advise on here, I am tackling these companies my updates are follows:

 

PTP have passed Clarity, I have emailed but keep receving the same email from them saying I am ignoring them!

 

Uncle Buck - I offered them £25.00 per month but the refused that and now tell me they are taking me to court and they will contact my employer!

 

Wonga - Just ingnoring my email regarding payment plan and said I can only pay back the full amount or they take me to court!

 

QuickQuid - Ignoring my emails again and keeping sending me emails saying I have defulted!

 

ONe Month Loan - Same as Quick Quid

 

Cash Genie - They are responding to my emails, and hopefully I have will have a repayment plan set up with them very soon.

 

As you can see some companies are just ignoring my offers and just saying that they will process through the courts, contact my employers etc.

 

Thanks for any advice.

 

Sharon

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Have you applied for the CCA in all cases?

 

Have they written to you and said that they will contact your employer?

 

Are you dealing with these people on the phone? If you are, then I presume you are recording your calls because no sensible person would get involved in telephone conversations with these people without making sure that they were recording the call with a view to using it in evidence at some time in the future.

 

As you are recording the calls, I suggest that you send their threats as evidence as part of a complaint which you will make to the OFT and to trading Standards.

 

Don't expect any reasonable dialogue with these people.

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Hi Sharon

 

QQ & OML will be in touch in time. OML usually accept reasonable repayment plans and QQ will pass to DCA, they will sometimes make arangements to collect the money over 3 months. Great if you can afford it.

 

Clarity are generally fine to deal with (you may get away with as little as a tenner a month)

 

Wonga are a nightmare, all sorts of threats but yet to see them venture to court. Courts would no doubt take a dim view of their refusals to negotiate a repayment plan.

 

Sounds like Cash Genie are learning as they could be quite nasty when it suited.

 

Overall you are on the right track.

 

Rob

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Hi moonsa,

 

Consumer Credit Agreement - template letter is on the site and you need to send a £1 postal order. If they do not respond with 12+2 days the account can be placed in dispute and is unenforceable until they respond appropriately. Even if they do respond (and particularly in this sector) the agreement will very often be flawed in some way - worth scanning to here (minus personal info) and letting the good folk here help you with it :)

 

This is one of a number of tactics to allow you regain some control of these exchanges and start to sort out the liabilities in your favour. In the meantime keep to your plan - email or letter, offer what can afford, if not already send them the telephone harrassment/doorstep visit letter (template on the site), start paying what you have said, then once some stability and control back with you start challenging the charges/overall balances.

 

Best of luck, keep posting :)

MJC 007.5 :cool:

 

Advice or opinions offered by mjc 007.5 are personal, offered in good faith and without prejudice or liability. Your decisions and actions are your own and should you be in any doubt then please seek the opinion of a fully qualified and insured professional

 

:) If you think I have helped you please feel free to click on my scales :)

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  • 2 weeks later...

Sharon,

 

Please contact our Senior Management team on 0845 956 9848.

 

Cash Genie.

 

 

Thanks to all the advise on here, I am tackling these companies my updates are follows:

 

PTP have passed Clarity, I have emailed but keep receving the same email from them saying I am ignoring them!

 

Uncle Buck - I offered them £25.00 per month but the refused that and now tell me they are taking me to court and they will contact my employer!

 

Wonga - Just ingnoring my email regarding payment plan and said I can only pay back the full amount or they take me to court!

 

QuickQuid - Ignoring my emails again and keeping sending me emails saying I have defulted!

 

ONe Month Loan - Same as Quick Quid

 

Cash Genie - They are responding to my emails, and hopefully I have will have a repayment plan set up with them very soon.

 

As you can see some companies are just ignoring my offers and just saying that they will process through the courts, contact my employers etc.

 

Thanks for any advice.

 

Sharon

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