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    • Thanks for letting us know about this. I'm afraid that this website is mainly bad news about companies so it's very refreshing and very decent for someone to come along and to give praise where praise is due. How about a link to their website?
    • Having a little additional think about this, I think that your interests are best protected in the following way: You inform the seller that you are obtaining the quotes which I have referred to above. Having received the quotes, you then inform them that you are proposing to have the work carried out at XXX garage and that you will expect that the seller will reimburse you for the costs and associated expenses. You can tell them though that you understand that they may want to control the work being done to the car and so you are willing to allow them to do it but as the fault has manifested itself at this point and that it is clear that the problem is their responsibility, if they wish to carry the work out themselves then they will have to organise the collection vehicle and the delivery of it to you once the work is completed. Of course this will be very expensive for them and they will either fail to respond or they will refuse. Whatever their reaction, you would then go on to say that as they have failed to respond/declined the invitation to carry out the repairs themselves, that you are now going to your preferred garage – one of the two quotations which you have supplied – and you will have the vehicle repaired there. You are giving them an opportunity to comment. I think that if you use this approach, then you will be able to demonstrate very clearly that they had a choice and therefore they will be unable to disassociate themselves from the repairs which are eventually carried out at your chosen repairer. Even though this exchange of correspondence may mean that it will take a week or so longer to have your repairs carried out, I think you should do this in order to protect yourself in the best way possible
    • Please name the dealer   I would start off by sending them a letter of rejection seeing as you are within the 30 days. This doesn't mean that you have to reject it but it reserves your position. Secondly, on the basis of what you say, I don't think that you need necessary to find the cheapest place. You should be looking at the best quality that you can find. I think the best thing to do would be to get to competing quotations for the work you propose to have carried out – and not necessarily at the cheapest place, but a couple of proper reputable garages – authorised for that kind of vehicle. Inform the dealer as to what you are doing and providing with copies of the estimates for the work before you put it in hand. Give them five days to object or to make other comments. Make it clear to them that once the work is carried out that you will be looking to them to reimburse you. Of course you are opening a can of worms here because if you get some further problems – more serious – you may find that the dealer is starting to say that because you have carried out your own work so your own repairer on the car, they cannot now say that any defects were inherent in the purchase – and that they may have been introduced by 1/3 party repairer. I'm afraid that you have certainly fallen into a trap of buying a car a long distance away from where you live. We find that people often tend to do that because they think the car they have found is the only one in the world for them. They forget to factor in the difficulties that they will be if there are defects – particularly if the car stopped altogether – the cost of transportation to the dealer, the cost of having to travel up and down the country to collect the car – and of course these difficulties could emerge several times through the initial years of your ownership of the vehicle if you are relying on your statutory rights and expect the dealer to meet those obligations. Furthermore, if you have to bring a court action against them you are now dealing with multijurisdictional claims – suing out of Scotland against the defendant in England and that adds to the complications. It's too late for you to do anything about this – unless you actually decide to reject the vehicle – but at the very least, other people who come across this thread may get some benefit from these comments. I think it's important for you to get the best quality repair you can and to make sure that the dealer is aware of what you are doing so that if later on they try to deny responsibility for further defects, that you will be able to show that they were fully appraised of what you are doing and they will have less room to manoeuvre themselves out of their statutory obligations. I'm afraid that purchasing a car from one dealer and then having it repaired by another service provider, brings into the same kinds of difficulties that somebody who purchases a central heating boiler from one supplier and then has it installed by a different supplier find themselves in. When things go wrong, the seller blames the installer. The installer blames the seller – and you, the customer, are piggy in the middle. Not a good place to be. I notice that you are doing things on the telephone. Big Fail! Read our customer services guide. In your situation you should be extremely careful to make sure that you have got a record of everything and a full paper trail
    • What information do DVLA need for a provisional licence ?   Think the ID issue needs to be looked at a bit more. Surely you have birth certificate, school information, Doctors records. School and Doctors should provide a letter to help with ID.                
    • Amex as with any creditor must help you the FOS should go with you and make them remove all interest charged from the very 1st time of asking for help. the FCA regulations actually almost dictate it, they most certainly clearly state that if the are FCA registered they must help.   it's very telling they have no marked your credit file....almost as if they know they are wrong. it's also telling that an irresponsible lending complaint might well be in order hear too, they can just keep upping the credit limit without checking you can pay. and ofcourse covid plays its part here and they've already admitted as they allowed payments holidays until october in line with the rest of the industry and they should be continuing that. you problem is you keep using the phone, no paperwork no record of things discussed. i'd get an SAR off to them. and get the comms/account log and all the statements from day one and go nail them.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
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Hi guys, I'm a long time lurker on here but a first time poster.

 

I have a Cap1 Credit card from September 2007. It had a £200 limit and quite a few charges. I've paid of all the money I actualy spent, and then forgot about the charges, which have been added on top of other charges etc.

 

This card was registered to my mothers address, as that was where I was living at the time. I DPA'd them about 6 months ago, and received a few unintelligble screen-grabs, and a few statements. There was no CCA in the pack. I wrote to them asking for a copy of the CCA, but heard nothing back.

 

Since then I've changed jobs and moved house and unfortunately, fallen behind with my bank claims.

 

I was surprised today to receive a letter from Capquest at my new address today asking me to pay £539!!

 

I'm a bit unsure what to do, as it's a few months since I had any contact with Cap1. I'm also worried that they have my new address somehow, and that the debt has jumped from £180 to £539 in the space of a few months.

 

Any advive would be appreciated.

Illegitimi non carborundum.

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Hello and Welcome, FullyBANKcharged.

 

Find out what the charges come to and claim them back, put the account into dispute, the DCA should not be able to chase you until the dispute is resolved.

 

Regards.

 

Scott.

 
 

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

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Hi,

 

They should have complied with your Subject Access Request at the time, send them a non-complience letter...........

 

http://www.consumerforums.com/resources/templates-library/48-bank-templates/129-data-protection-act-non-compliance-template-letters-

 

Why give them another £10 ;)

 

Regards.

 

Scott.

 
 

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

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Not a jot, at least I don't think so :rolleyes:

 
 

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

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Thanks for the help, any idea how they will have found my new address?

 

 

Take a look at your credit file, if you've changed/updated your other bank account/credit card details to your new address it's highly likely the cra have your addresses linked (will show on your file)

I reside in Dawlish Warren but am not a rabbit.

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Nothing like an infomed Cagger to **** on their parade and extinguish any £1 signs they may have....

 

 

The DCA's do feel a sense of achievment when they "find someone" & the £ signs light up in front of their eyes :rolleyes:

I reside in Dawlish Warren but am not a rabbit.

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  • 2 weeks later...

Ok, update, realy realy worried now.

 

Got a letter today from a company called HL Legal solicitors.

 

They say the account has been passed to them and that theyve added £55 court costs and £70 solicitos costs, taking the debt up to £664.

 

This is from about £180 in February, bearing in mind the last time I used the card was September 2007.

 

Any help is realy realy appreciated as Im getting a bit panicked now.

Illegitimi non carborundum.

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Stop panicking. HL legal are a pathetic joke. Thy can add all the unlawful charges that they wan, all it proves is that thy are very unlikely to be taking anything anywhere near a judge.

 

Report them to Trading Standards and the OFT, they should not be chasing a debt that is in dispute. You could send them the "bemused" letter as well, but reporting them is often all it takes to get them to go away.

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  • 1 month later...

********Update: 15/01/2010**************

 

 

Had two lovely letters in the post today. A signed copy of a CCA from CapOne, (probably enforceable, but which I will scan in and post tomorrow.) Accompanied by a snotty letter, telling me how gracious CapOne had been by deigning to give me, a mere customer, a true copy of my records :cool:

 

Seperately I also received this from Capquest:

 

Client: Cap1

Balance: £More than 500

 

Dear fullyBANKcharged,

 

It is apparent that we need to start the litigation process to resolve this matter.

 

As you will be aware we have communicated with you over a period of time to resolve this without legal action. (I am assuming that is the one threatening letter I received in November.) Costs incurred as a result of any judgement will be added to your balance, if we succeed in obtaining Judgement against you.

 

My name is Marcus Butterworth (:p) and I have been appointed as your case handling supervisor.

 

Together with my team. it is my responsibity to progress your account through the litigation process, but also to assist and inform you on any query or question you may have.

 

Your case will be processed and passed to our solicitors on or around 25 Jan 10 a process that you can stop by telephoning 0870 084 3513 to discuss your account, and reaching an amicable solution. (:p:p:p:p:p)

 

I will not be demanding payment in full. (I wonder why?) I will be open to suggestions from you on how this account may be settled. (Dont tempt me.

 

If you contact us before 25th January 2010, I can offer you a settlement figure to clear your outstanding balance. That means you only have to pay £xxx (under £300.) to clear this account, and if required, you can pay this amount over three months.

 

I trust you will recognise that my appointment is an indication of the imminent commencement of legal proceedings. (Translation: "I don't know how to put this, but I'm kind of a big deal. People know me.") I trust that you will take this opportunity to contact us and save yourself the possible expense of litigation and the problems that any litigation in which we are successful could cause you.

 

We look forward to hearing from you. (I bet you do.)

 

Mr. A. Realhumanbeing

 

So, seriously and joking aside, 1 to 10, how worried should this make me? And whats the next step?

Illegitimi non carborundum.

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