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    • This is kind of related but does anyone know since I have this ban from entering UAE because of my loan, can I visit Qatar? 
    • Thank you for that i thought id just ask as i was unsure.  Just hope its returned to me and doesnt spend the rest of its life going back and forth to Singapore  
    • Thanks @lolerz. I've attached it to the post. What do you think? What's the organ grinder? NTK.pdf
    • I'm afraid that if the value of the item was under declared then that is probably the best that you can hope for. Also, because the item was incorrectly addressed – even by a single letter, if that because the issue relating to the delivery then that has probably compounded the problem. There is probably very little that can be done. If you are lucky you will get the item back and then you can start again and declare it properly. Undervaluing parcels which are sent by any means is always going to cause a problem if the item is lost or damaged. It may mean that the cost of delivery is slightly less – but at the end of the day the risk becomes yours. When you enter into any kind of contract, effectively you declare it a level of risk to your contracting partner – and they decide to enter into the contract with you based on that level of risk. You have declared a level of risk and £50 – and that's the deal.   Additionally, undervaluing an item which is an internationally has the effect also of evading customs and any VAT system which is in force in that country – and that makes the whole thing a little bit more serious
    • Perfect. Nice and brief and to the point. You don't bother to start telling your life story. Just the way it should be. Send it off. You have probably done enough reading to understand that it won't make any difference don't start drafting your particulars of claim. Open an account with the MoneyClaim County Court system and start preparing. Post your particulars of claim here before you click it off. You may have noticed that at some point you will be asked if you want to go to mediation on this. We used to advise it but now we recommend that you decline mediation and go to trial. Your chances of success are much better than 95%. Going to trial will incur an additional hearing fee but of course you will get that back. However if you go to mediation, they will simply try to penny pinch and to get you to compromise and also they will sign you up to a confidentiality agreement and probably threaten you if you breach it. Not only that, if the mediation fails because you stand your ground, it will add additional delay while they then give you a date to go to trial. The best thing to do is to decline mediation – prepare for court hearing. Pay the extra fee. The chances are that rather than get a judgement against them they will then offer you a full settlement rather than go to court. If they do offer you full settlement then you will be obliged to accept it – but that's what you want. If they don't offer you full settlement then you will go to trial and there will be a judgement against them. Just so that you understand, our first interest is that you get your money back – but a close second is that it does go to trial and there is a judgement which we will then be able to use to help other people. Anyway as you should realise, we will help you all the way.
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Welcome insurances, Gardx and VT


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Here is the letter I have drafted for my reply to the FOS, if someone could look over it and let me know your thoughts.

The original post I posted regarding this is: Error on paper work - missing deposit . If you need some more info.::

 

Thank you for your letter dated February 2010, after review your findings I have to disagree with some of your replies.

 

First off I am bemused regarding your comments regarding the missing deposit on the second agreement. It clearly states that to Voluntary Terminate an agreement you must have paid at least 50% of the amount which includes any late payments and deposit, so for you to say that the deposit is not important is wrong.

 

One of my issues was regarding the GARDX insurance which was already on the agreement which we had no option but to take, as this was an option we should have a chance not to take this. After reading your findings you have not commented regarding this.

 

By the time I resigned the new agreement I had already made two payments (which included 2 months interest), with Welcome putting the amount back to the original amount means I will have paid more interest to the amount of £54.72.

 

This agreement was a fixed amount agreement over 48 months; on my agreement it clearly states that the total amount payable is £12,507.90. I have two statements from Welcome which both state opening balance of £12,805.90. I know this works itself out later on this is wrong.

 

As of today Welcome still haven’t changed my credit file which they said they would in their original letter dated 2009. I am awaiting a copy which will sent on to you.

 

JJ

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sounds clear and concise to me :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Sent my hp to them today they gonna be busy bees for sure ;) Ive also made a big deal about comission ;)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Hi, I have found out about broker fees on another agreement (which I didn't know about), Post was going to do a letter for me but I know he has been busy and hasn't got back to me, so lots going on at the mo.

 

JJ

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ooo all the more fuel for the fire be interesting to see what fos say about the broker sheets I dont think they will do much with it with mine as I dont have a comission sheet of my own so to speak just an example of one from essexboy

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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  • 2 weeks later...

I have had a confirmation letter from the FOS that they have my complaint letter, another thing I have noticed is I have found the GARDX certificate now in small letters at the bottom it states that if we don't register with them within 1 month that the cover is invalid, so we are paying £299 plus interest for something we can't use. Nothing was explained to us when we took out the agreement, is this worth stating as well?

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Hi, like others I have GARDX sold to me when I brought my car from Welcome at £299. Due to errors in my paperwork I have been fighting Welcome with the FOS (and not getting far). One of my complaints was the GARDX which was already filled out on the paperwork and we had no option on.

Since look through all the original paperwork I have I found the GARDX document. On it states that we must register within 1 month with GARDX, I wasn't told I had to do anything (so does this mean it is null n void)?

Also it clearly states that it is a warranty document, and my way of thinking you can cancel a warranty at any time, so shouldn't have been sold as a 'extra' but as another insurance?

I was going to let the FOS know of my feelings but I thought I would ask others what they thought first.

 

Thanks

 

JJ

 

Any suggestions please

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  • 2 months later...

Hi everyone, regular followers my have read my earlier post regarding my battle with Welcome which is with the fos at the moment.

 

One of my arguments is the GARDX Paint protection. To start with anyone who brought it had no option to cancel it, most of the time it wasn't registered with GARDX themselves and would need to be paid for year after year to be valid (even though you are paying the original through your finance agrement).

 

On the GARDX paperwork it clearly states WARRANTY, so like the PPI and breakdown warranty we should have the option to cancel.

 

I know that essexboy had complained to Trading Standards about this issue and would like to see how other people have got on regarding complaining.

 

Any thoughts or ideas would be much appreciated

 

 

JJ

 

Anyone?

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The GARDX isn't on the credit agreement just on the receipt.

What doesn't match up on the agreement (is it to do with no deposit showing)?

As when I first took out the agreement it had their lovely insurance which I cancelled due to the expense.

I did complain to the FOS about no deposit showing on the 'revised' agreement but the FOS said it didn't matter.

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Gardx is on the agreement its next to the car where your swirl is to blank out details you can see incl GX thats the Gardx

 

they write it into the cash price of the car

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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They Cant Write It into The Cost Of The Car

 

Its An Extra Option

 

The Amount Of Credit Is The Car

 

Its Like Adding The Car And Ppi Together To Become The Amount Of Credit. Not Total Amount

 

amount Of Credit Misstated--game Over

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its exactly the same as every other agreement ive seen the gx is printed on there as incl gx next to the car before any figures are even added in!

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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someone, maybe essexboy has a copy of a commission sheet that states to add the gx into the cash price...

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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WELL THE AGREEMENT IS HISTORY THEN IF ITS ADDED TO THE COST OF THE CAR

 

I REPEAT

 

IT HAS TO BE KEPT SEPERATE

 

BEYOND

 

TELL ME

 

IS THE COST OF THE GARDEX KEPT SEPERATE (cost price listed) then added to the cost of the car or is the amount of credit the car and gardex combined to become the amount of credit

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on every hp agreement i have seen the only mention of gx is where it says incl gx by the car details......im sure it was essexboy had a commission sheet that said add £299 into cash price for car for gx other than that there is nothing listing it seperately

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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