Jump to content


  • Tweets

  • Posts

    • upload sites dont retain copies and so what if they do... what do you think they are going to do, kidnap your grannies budgie or something..how the hell would any of the info required by us be of any use to them..... stop being paranoid and put them all in one mass multipage pdf.  
    • https://audicam.audi.co.uk/customer/6660055/00cc584e9769699ddba3807a2995032f/59022-13062024 Please let me know if you can access footage 
    • If it is only the registration plate – then there is no problem. In fact it's better because if big motoring world realise that you are getting advice and that you are coming for them, it will make them more likely to pay attention. There is no point in secrecy in these kinds of things. Let's see the video so we can understand what's happening
    • Hi i have the video footage now downloaded on my computer. However, the video has some personal information such as the reg. I have tried editing out the plate but struggling.
    • Well I certainly wouldn't worry about the registration number. It will actually be a good idea to have it on display for people who end up being offered it in the future once you have managed to return it. What other personal details are there? And anyway, you should have a copy for yourself anyway. You should be doing this kind of thing. You should be recording all telephone calls and confirming telephone calls in writing. You should record all conversations that you have with them in person. You should have a call recorder on your telephone and should keep that in your pocket. This is not the time to start getting slack and casual. I think you've already paid the price for this. You must now start getting your act together, getting evidence. Making sure that you have copies. Stop relying on other people to either tell you the truth – or to hold copies of things for you which might then be difficult to get from them if they feel that they are being compromised. Why can't you even access the video and record it onto your own computer?
  • 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

Pumpy tums Vs Capital One


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

Thread Locked

because no one has posted on it for the last 5202 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

Hi everyone,

Last week I received a letter from C1 stating that the signature on my letter CCA/SAR does not match the one they have on record which is true I printed not signed the requests. C1 are now requesting copies of documents showing my current signature ie drivers license/passport, I'm sorry I will not send these documents. Do you think If I send a copy of a recent utility bill along with a scan of the card they will accept that? I've never heard of creditors going to these lengths before requesting a signature yes but not an official signed document!!

 

Can anyone advise please?

 

Thanks in advance

 

Pumpy

Edited by pumpytums
Link to post
Share on other sites

Hi,

Somewhere on this huge forum is a paragraph that can be added to a letter which goes along the lines of, " As you been sending letters of a personal nature to this address in the past, why suddenly are you asking for proof of who I am" I have looked and can't find it:x

 

Crap1 are fairly intransigent when it comes to supplying documents so I would just send a copy of a utility bill.

 

If you want to include a signature, either use signguard or make your signature different to normal and make a copy of it-just in case

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

hi.

 

cant find it either,but was something like

 

you have sent statements/correspondence containing sensitive private information to me at the same address.

 

If you are concerned that you are corresponding with the correct person,I wonder why you have not verified the information before.

 

as you are aware disclosing data without adequate checks of identity is contary to the 7th principal of the data protection,listed in schedule 1 of the data protection act 1998.

 

SAM

Link to post
Share on other sites

Found it :D

 

Letter 19 here:

 

The Consumer Forums - Debt collectors

 

Obviously adjust if it was for a SAR

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

  • 1 month later...

Hi everyone,

I actually thought Crap 1 were better than some of the other companies. I actually realise the truth now they are actually useless.

 

To date no reply to my CCA just "a we require a copy of your passport/drivers licence" letter. So account clearly in dispute I have sent them why I will not be providing such information. The reply more of exactly the same letter for my signed documents.

 

The replied to my SAR, you guessed it one of the above letters even though they cant even remember to put my references on them.

 

 

Continuing letters from old Fred and a lovely letter from old Bryan, please your scaring me. How similar the Fred and Bryan contact numbers are I wonder why????.

 

Basically I have enough of this shower so its letters before action. How do I proceed with the action please?

 

I'm still paying token payments I really don't understand why now I actually thought MBN@ were bad but at least they were persistant and they could print a letter correctly.

 

This lot must be the country bumkins of the financial world.

 

All comments wil be gratefully recieved.

 

Pumpytums

Link to post
Share on other sites

  • 1 month later...

Hi Everyone,

I have finally received my SAR data from Capone. The CCA looks pretty enforceable its after April 2007 for a start. The one thing that intrigues me is they refuse to send a copy of my DN, I have a notice of default which is basically terminating the account but no DN. I don't believe I was ever sent one. The only info regarding the DN is in the comms log it gives a predicted date and amount but thats all.

 

Can anyone give me the general layout of a late 2009 Capone DN please? I'm intruged how long they give as signed off is mentioned in the comms log and it seems very tight to the predicted DN date.

 

Also can anyone give me the details of the case where the DN was rendered invalid due to charges I belive a percentage was give something like 36% I have searched but can't seem to find it.

 

 

Thanks in advance

 

Pumpytums

Link to post
Share on other sites

  • 2 months later...

Hi everyone,

due to a change in my circumstances I'm now in a position to pay capone what I consider to be avery good monthly amount. Unfortunately they have rejected my offer as they said I have to deal with our special friend Fredriksons Threat International. I recently wrote to capone saying refund charges + PPI and I will make payments directly not through a third party.

Obviously they have some form of contract with fred.

 

The account has mis sold PPI the account balance is £4k+ after calculation the charges+PPI come close to £800. I have never seen the default for the account but one seems to be on my credit file. I believe the DN states the arrears are less than my PPI+charges. I can only see this amount on my comms log.

 

Basically what should I do I refuse to deal with old Fred and his special uncle bryan. Should I may payments direct to capone, I have been making small token payments to them.

 

The account dates after April 2007 and seems enforceable.

 

I have put the account in dispute last year as capone were playing silly games with my SAR. The account is still in dispute as I dispute the charges+PPI.

 

Any comments are gratefully accepted.

 

Pumpytums

Link to post
Share on other sites

Have you found that copy DN yet? Got one early 2010 if you want to see it. Will get Mrs M to dig it out and post it.

 

Can fred or Bryan prove that they ought to be paid? If not, insist on dealing with the OC only as far as payment is concerned. Also, interest and charges - insist they stop or no deal.

 

M

 

Link to post
Share on other sites

Hi mate,

nope no DN never had it. The letter is quite amusing I quote "We suggest where possible, payments should continue to be made to your account. These payments will go towards reducing your outstanding balance” So in one breath they say deal with dodgy uncle Fred as we have placed it with him, then they say the above. They probably have a deal with them. I've just drafted a letter saying I'm going to pay you stuff uncle fred (basically). To be honest they have stopped interest and charges. I just get the odd letter from Fred threatening me.

 

I have never sent a payment proposal to Fred.

 

Pumpytums

Link to post
Share on other sites

Hi Pumpytums am putting up the DN my son received.

 

cap1dn.jpg

 

Not sure if it is legal maybe some one will have a look and see then you will know if you receive one whether it is worth worrying about.

 

Mrs M

 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...