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    • they have to account for and show how the final finance figure was arrived at for head office/whomever to approve the agreement. if they sold a new car £7000 below its listed price headoffice would go ballistic the scrappage discount would have been the same regardless to how you paid for the replacement car.  are these T&C part of the finance agreement or pre contract? we need to see them. just for clarity too, unless you specifically asked for Voluntary Termination by writing to Audi, or you have it in writing whereby Audi are stating it WAS a VT, it would have been Voluntary Surrender. sadly under VS you are liable for the full value of the agreement and the 50% VT figure is immaterial. dx    
    • unfortunately no dashcams, but I have now ordered one (a case of shutting the stable door after the horse has bolted).  They have no dashcam either. Its my version of events vs. theirs.  The only thing I'm concerned about is if they do file a claim, and I havent told my insurance company, would that put me on the backfoot as far as them winning?
    • if your ins co catch wind of it your premiums will go thru the roof. as for the police, unless there are any injuries/accusations of dangerous driving etc, it a run of the mill event and unreportable. no dashcams? my neighbour's son had almost the same on the A9 last year, went on for months then i said search social media, has the car a dashcam. luckily the other driver was on several facebook ford ST car groups with pix and videos and he spotted it had a dashcam fitted. when he said show me your footage of me driving poioly and i'll pay to fix your car......everything then went very quiet.... dx    
    • No I get what you're saying and that is fair enough if that's the way it is, the issue is that the Judge has agreed that I part exchanged my car against a new car but then failed to acknowledge that it was a deposit of some form. To trade my car in and get a discount off a new car constitutes as a deposit by legislation. The Judge has conflicted himself and this is where he is misinterpreting the law.  I also shouldn't have had a scrappage discount and a dealership discount together, it says so in their terms and conditions, which in itself makes the agreement improperly executed at the very least.  This may all make more sense when I upload the trial bundle, it's over 160 pages though so taking a while to redact my information  it shouldn't have been marked on the agreement at all and the rrp of the car should have just been 7k lower then
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Shop Direct/Lowells no CCA Account closed **WON**


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If the debt is made up of mainly charges, then you should claim them back and have them applied to the debt, and hopefully this will pretty much zero the account..

 

as lowells bought the debt, do I claim back the charges from Lowells?.....I tried to claim back from shop direct, but was told to 'get stuffed' as mentioned in the thread earlier

 

 

cheers

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In what way did they tell you to 'get stuffed'? Did they write? What did they say and what reasons did they give? Under CPUTR, any charged must reflect the actual loss suffered.

 

I don't think it's illegal to sell on an account in dispute - it's just bad practice.

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In what way did they tell you to 'get stuffed'? Did they write? What did they say and what reasons did they give? Under CPUTR, any charged must reflect the actual loss suffered.

 

I don't think it's illegal to sell on an account in dispute - it's just bad practice.

 

They wrote to me stating that they would not refund the charges, that I agreed to the charges as stated in the T&C's when I signed the agreement.

 

So, should I go after Lowells for the charges?

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No tell lowlifes that the account is in dispute with shop direct as they are trying to claim a debt made up mainly of charges;

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/580-letter-when-bankdca-attempt-to-collect-on-penalty-charge-situation

 

Then go back to SD & request the charges be refunded and applied to the account, just because they say you 'Agreed' to their charges doesn't mean that you agree they are fair.

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Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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yep, thanks for the advice...I'm going to go back to shop direct...give it the old "Letter before Action" header, and address it to the CEO...That should get the message across...lol....I guess they'll give me the merry-go-round re. charges, I guess at the end of the day, I'll have to start court proceedings against them

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forgot to ask, but I've a few shop direct accounts (empire, littlewoods, great universal etc) that I'm looking to re-claim charges....Can I get away with one subject access request for all the accounts, or will I have to sent individual SAR'S ..

 

after all £10 is lot cheaper than £50 ;)

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  • 1 month later...

I had an extraordinary delivery from the postie today.....16, yes 16 Default notices for the SAME account.....Its a great universal account, a bog-standard credit account opened on-line 3 years (no signed CA).....What they have done is basically issued a seperate DN for each item purchased for arrears due on each individual purchase....Are they allowed to do this?.....The account has been in dispute for 10 months due to disputed penalty charges, and is currently with NDR (their in-house DCA)....Can anyone advise firstly, whether or not they can issue multiple DN's for a single credit account, and if not, what my plan of action should be??

 

 

cheers :)

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If memory serves correct they tend to claim that each purchase is governed by its own terms as the last repayment date will be different etc.

 

They do tend to report these defaults on credit records so you'll more than likely need to write to them and remind them that this is an alleged single regulated agreement and not multiples as they will be reporting.

 

S.

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  • 3 weeks later...

Good!...................for now........keep that letter filed away for the next DCA to come out the woodwork, well done on beating lowlifes tho..

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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