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    • I found it cheers Dave!!   I think focusing on lack of compliance with legislation should be the one, seeing as we just lost the case to them by not complying, it will be worth pointing it out. I also want to poi t out their m.o. Which is less than honourable to say the least. Hopefully the judge will side with the little old lady and not the peoppe who use deceit to line their pockets!!   She said she is happy to speak up but is kindly asking for assistance in the form of a bullet pointed printed paper for her to take in so she can read out her points and leave it at that (without rambling).    Straight and to the point!!    Daves post #66 is legendary 🙌    Thanks for the help guys 😊    Let's kick some ass    
    • I differ from my site team colleague slightly in the the six-month rule applies if you have asserted your rights within the six months. My understanding is that you haven't asserted your rights during that time. In other words you haven't informed them that you are giving them a single opportunity to repair and if they decline or if the repair fails then you are rejecting the car for a refund. Please correct me if I'm wrong. On that basis, you are covered by the consumer rights act but not in terms of the right to reject. You are covered under the consumer rights act in that you are entitled to purchase a vehicle which is of satisfactory quality and remains that way for a reasonable period of time. You don't have to prove that the fault existed at the time of sale – although that's what they will try to tell you and even the motoring ombudsman will try to tell you that. But the motoring ombudsman is an industry led organisation which pretends to be an ombudsman but in fact favours the industry and its advice is wrong and even deceptive. I think you should start off by writing both to the finance company and also to the dealership. Describe the fault to them. Send them the evidence you have that the windscreen was incorrectly fitted and the damage which has been caused as a result. Send in the quotation for the work and require them to respond within seven days and that they must agree that the work will be carried out by a competent professional an authorised repairer. Not one of their cheapskate once. Also, you will want them to agree to provide you with a courtesy car. Also have you incurred any expenses associated with this? Travel, car hire, cost of inspections –?? Have you told us the name of the finance company? My site team colleague is correct that if they cause any trouble then you should see them as co-defendants. You can be certain that they will put their hands up. It will go to court. You would sue them for the cost of the work. You would recover your costs of the installation plus your court costs. I don't think you will be able to sue for the rejection of the vehicle on the basis of what you tell us in terms of having not asserted your rights. However you will be able to recover the cost of all the works – making good everything so that the car is in the condition that it would have been in had the replacement windscreen been properly fitted. I wonder who fitted the replacement windscreen? I think I would be out to sue them as well. Post the draft of your letter to the dealership and also to the finance company here so that we can have a look before you send it off. Incidentally to answer your question about what should you do immediately,  I would suggest that you send the letter tomorrow. Wait until the end of the week. If they don't respond or if they respond negatively, then write to them immediately and tell them that you are not prepared to do without the vehicle. As they have failed to respond to your putting work in hand and you will be approaching them for the costs of all the repairs and if they cause you any difficulty in you will simply sue them. A bill of about £4000 is easy. It puts you within the small claims track so there is no risk of costs even if you lose – which is most unlikely on the basis of what you say
    • Thanks I have been reading quite a few this one got me as it did say they have instructed them to take legal action but thanks again your a legend 
    • Yes we will be emailing them. We have kept a log of all conversations with everyone involved and backed up conversations with emails 👍
    • 'they' dont send court letters. only a sheriffs court can do that if the debt OWNER is brave enough to request they raise a court claim......... unlike E&W the scottish legal system is far more geared toward empowering the consumer and always put claimants to strict 1000% proof they are the legal owner of a debt, are legally due payment and hold the all the correct enforceable paperwork. just read a few Nolan SPC threads... dx  
  • 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

HoW dO I SoRt this MeSs Out?


anya
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I am a couple days away from filing a claim. I sent off the prelim and the LBA and now have heard from Capitol One. As well as from Buchananclark + wells..

 

See, here's the "Mess" Part. I have a long standing debt with Cap 1. This came about because their charges put me over my credit limit of £2000, I was on a tight budget and only could pay the charges each month , but not enough to put me back in credit, so amount grew ever onward and upward, hitting totals of £2800. Even after paying over £700 in charges my account still stands at £2429. For over 6 months I have been paying their agency £5 a week towards it which has just been paying more against the charges, still on a tight budget.

 

So today I get a letter from the debt collection agency, making me an offer for me to pay 60% of total amount, and have rest written off, If I pay it in one lump sum by Monday. :lol: I'll just get my purse...

 

At the same time I have recieved an offer from Cap One, the difference between £12 only of course.. but worse- to be paid into my account toward reducing the debt!! :evil: So effectivively paying themselves back the portion of the charges they are offering to refund!? Which incidentally doesn't even take me back within my original credit limit.

 

So how do I sort this mess out?

 

I want the FULL amount of Charges, paid to me- Not to my C1 account.

 

And as for BC+W - I can't afford to pay off the debt, even though the reduced amount brings the debt to a fairer amount for which I would almost be willing to pay- over an extended period of time. What should I say to them? Anything?

 

So Please, anyone who knows how I might respond to each of these? please let me know.

 

Especially - How do I proceed with court claim so the money goes to me & not back to C1?

 

TIA

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If you still have an outstanding debt to Capital One, then it's not unreasonable to have any refunds from them going into your account, and thus reducing your debt. Harsh I understand, but that's the way it goes I'm afraid.

 

Capital One WILL pay out the full amount of charges that they've taken from you, it's just a case of going through the motions and hitting them with a Court Claim at the end of it.

 

On the plus side, once you've had your refund, at least your outstanding debt to Cap One will be substantially reduced.

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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If you still have an outstanding debt to Capital One, then it's not unreasonable to have any refunds from them going into your account, and thus reducing your debt. Harsh I understand, but that's the way it goes I'm afraid.

 

Capital One WILL pay out the full amount of charges that they've taken from you, it's just a case of going through the motions and hitting them with a Court Claim at the end of it.

 

On the plus side, once you've had your refund, at least your outstanding debt to Cap One will be substantially reduced.

 

How much do Cap 1 owe you? And have you started a claim yet?

Consumer Health Forums - where you can discuss any health or relationship matters.

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Cap One owes me just over £700. I am putting my claim in tuesday. When they make an offer I will be asking for a cheque. I am not refusing to pay them back what I owe them, but I have other more pressing needs for the refund money at this time, and if they really want their money that much faster, or to keep the refund for themselves then they can counter claim, right?

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Cap One owes me just over £700. I am putting my claim in tuesday. When they make an offer I will be asking for a cheque. I am not refusing to pay them back what I owe them, but I have other more pressing needs for the refund money at this time, and if they really want their money that much faster, or to keep the refund for themselves then they can counter claim, right?

 

That is possible but they do have the right of offset so just be aware that all you may get is a reduced settlement - is £700 correct cos reading your first post I thought it would be more like £1100 plus interest.

Consumer Health Forums - where you can discuss any health or relationship matters.

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if you have an outstanding balance then your demanding the bank refund the monies plus interest. In all fairness you cant expect the bank to refund you & leave their charges on your account.

 

If you are expecting that they should remove their charges & give the money then that is not only unreasonable but if I may say so a little foolish

 

Just remember to make sure you include EVERYTHING in your claim such as contractual interest, your costs in chasing them & depending on your account balance you might find they DO actually owe you money which would be nice surprise don't you think

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I didn't ask for any interest or any charges listed as 'financial charges'?. I only asked for the charges specifically made for over limit and late payment. That's the £700 part. The rest of the money I owe is mostly made up of purchase/cash interest, financial charges, and fees. Fortunately they have now stopped piling on the interest and closed my account and I am simply paying back the money to the DCA. I suppose I should just be thankful to get the debt reduced.

 

It just would have been useful to have the charges in my hand now and just continue to pay the account as I have been doing - our roof has come down in our house and it would have been nice to afford to get it fixed. :| arrgh.. oh well, if we can't get a cheque we'll just have to look on the bright side - we won't be any worse off than before, and will be closer to paying off the debt.

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I didn't ask for any interest or any charges listed as 'financial charges'?. I only asked for the charges specifically made for over limit and late payment. That's the £700 part. The rest of the money I owe is mostly made up of purchase/cash interest, financial charges, and fees. Fortunately they have now stopped piling on the interest and closed my account and I am simply paying back the money to the DCA. I suppose I should just be thankful to get the debt reduced.

 

It just would have been useful to have the charges in my hand now and just continue to pay the account as I have been doing - our roof has come down in our house and it would have been nice to afford to get it fixed. :| arrgh.. oh well, if we can't get a cheque we'll just have to look on the bright side - we won't be any worse off than before, and will be closer to paying off the debt.

 

I am not clear what the financial charges are - can you clarify amounts?

Consumer Health Forums - where you can discuss any health or relationship matters.

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Anya,

 

I'm in the same situation, my advice is to keep pressing them for the cheque payment.

 

I've been advised that I should have stipulated this in my MCOL Particulars of Claim. Oh well, that still doesn't preclude me from not getting what I want.

 

I guess the key is whether or not the account has been sold to a DCA, or just passed out for collection on behalf of Cap 1.

 

Keep going though, incidentally, MBNA and Citibank are all doing them same.

 

Fu**ers :-P

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I didn't ask for any interest or any charges listed as 'financial charges'?. I only asked for the charges specifically made for over limit and late payment. That's the £700 part. The rest of the money I owe is mostly made up of purchase/cash interest, financial charges, and fees. Fortunately they have now stopped piling on the interest and closed my account and I am simply paying back the money to the DCA. I suppose I should just be thankful to get the debt reduced.

 

It just would have been useful to have the charges in my hand now and just continue to pay the account as I have been doing - our roof has come down in our house and it would have been nice to afford to get it fixed. :| arrgh.. oh well, if we can't get a cheque we'll just have to look on the bright side - we won't be any worse off than before, and will be closer to paying off the debt.

 

If have yet to issue legal proceedings recalculate your interest & send them an ammended claim

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Working out interest to add now, will put in claim tomorrow. Think the finance charges are a combined total of cash and purchase interest? Adding about £60 a month to the owed total.

 

Good luck getting a cheque Tekcom. My fingers are crossed for you. :) Do you think I should add that I want payment by cheque into my particulars? I will be filing in person at the county court tomorrow so it's not too late to tag something like that on..

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BTW- I don't suppose anyone has a copy of the spreadsheet for advanced interest on credit cards in works format? I think vampiress's email is overburdened and I can't download the ones linked in the library.

TIA :)

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