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    • deal with it IF it ever happens...
    • Hi everybody else who has suffered from this terrible trader! I will post all of the details that I have found out about him - sorry, I got carried away by my rant. I need to look them up in my book, so will do it this evening. I have created a new thread - thanks for the advice.
    • Well, we have also been done by Yewtree Cars/James Harrison! We bought a Land Rover Discovery from him off a dealer site on 28th December 2020. He advertised it as 1 loving owner (true, I tracked him down on Facebook, really nice guy!)   throughout the advert WOW full dealership service history, WOW new cambelt, WOW new MOT, WOW full valet including decontamination clean WOW, WOW, WOW!!!   We paid £4500 for the car plus £280 for delivery from Solihull to Winchester. He sent 3 texts reminding us to ‘look after the delivery guy cuz he’s a top man’! Soon worked out that HE was the delivery guy!   They dropped the car off and scarpered. It was dark when it arrived, initial thoughts were it was disgusting inside. I have never seen such a filthy interior. He even left his sweet wrapper inside.   He drove the vehicle down to us (we thought that we were paying for a transporter). It was running on fumes, so we took it out to get fuel. Straight away noticed automatic gearbox slipping. Not a good start.   Next day messaged dealer asking for the receipt, twice, he said that he was in Dubai (in his dreams!) for 2 weeks but would send it when he got back. Before he delivered the car, he said that if we weren’t happy he would personally come and collect it.   Sent him a message (I like to keep proof of conversations) to say that we certainly weren’t happy and wanted to return it. His reply was - SOLD AS SEEN, YOU GOT A CHEAP CAR!   Thinking we would have to cut our loses, we had a new gearbox put in, only to find that the crankshaft had also gone and then the bottom part of the engine had to be replaced. Also the suspension at the front was leaking oil (mentioned as an advisory on the previous mot, which he said had been done). He forged an entry in the service book saying that it had just had a cambelt change (false Land Rover stamp), confirmed by previous owner and Land Rover.   So, after 8 weeks of being at the garage and £7000 - YES £7000! later we certainly did get a cheap car from him. Are we going to let this go? NO!   I have found out his real name and I am going to pursue him through the court until I get this money back. He is the worst kind of confidence trickster, a liar and a thief.   We will have no hesitation in scouring Solihull for him, whatever it takes.  
    • So for various reasons, which 'm happy to discuss and debate, largely driven by the available sites apparently being O/AZ, and with the 2nd dose being 10-12 weeks after the first O/AZ apparently giving very little protection from the new strains appearing O/AZ efficiency apparently being about 55-65% with one dose and Pfiser giving much better and wider protection from a single dose I'm NOT going for the O/AZ and giving up the chance of faster better protection from pfiser even if it means waiting a couple of weeks.    
    • @Andyorch   I didn't know that. Thank you.
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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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!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

RBS Interest rate swaps- cap/collar


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Hi

 

Hi,

 

we have signed up with s firm of lawyers called RJW, they were suggested by Bully Banks. you have to sign up now in order to be covered for no win no fee. The lar changes on spoil 1st. We could not afford to go ahead eithoub this. Get on the bully banks website and check them out,

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hi

 

hi,

 

we have signed up with s firm of lawyers called rjw, they were suggested by bully banks. You have to sign up now in order to be covered for no win no fee. The lar changes on spoil 1st. We could not afford to go ahead eithoub this. Get on the bully banks website and check them out,

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The legal system is a minefield even for supposedly competent lawyers. Do you have legal expenses insurance? I always insisted clients added it to their policy.

 

You have to make a commercial decision, personally I would allow the bank to do what the regulator has told it to but make sure you have a second opinion on the suitability of the product and of course the level of redress if it is forthcoming.

 

AND, watch what you say on the telephone or in writing. Cunning they be.

 

 

How do get the insurance cover.?

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  • 1 month later...

Don't give up hope. I've got a number of swap rate cases - yes I'm a specialist lawyer, and no I'm not touting for work :-) - and I used to work for FOS, so I know the machine well. The outcome of your cases will depend on a number of things: whether you are a small enterprise (less than 2million euros turnover and less than 10 employees) which means you can get your case heard at FOS. It will also depend on your previous experience financially i.e. if you have experience of higher risk strategies you are more likely to know what you were getting into. Not to mention the level of explanation given - generally rubbish, and about 3 pages of text highlighting basic differences between caps, collars etc.... so in my view, many of you have been missold, and should benefit from compensation.

 

Therein lies the rub. The FSA is deciding a strategy for compensation. But how do you compensate someone for losing their home because of a crappy agreement that made the bank tons of money (even more than they will have to pay out in compensation) when that home now belongs to someone else, and you have lost everything else? You cannot. That is where I am having to work hardest.

 

It can be done, but using FOS will take you time and a lot of patience. I appreciate that not everyone can afford to use lawyers, but in some cases, there really is not a lot of choice if you want to win. BUT - THAT SAID there are many of you that will successfully navigate FOS and to the rest of you, all the very best of luck. Keep at it.

 

Best

 

Jane

JSCS

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