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    • Morning, I purchased a car from Big Motoring World on 10th December 2023 for £14899.00. On the 15th December I had a problem with the auto start stop function of the car in which the car would stop in the middle of the road with a stop start error message. I called the big assist and the car was booked in for February. The BMW was with them for a week and it came back with the auto stop start feature all fine and all error codes cleared on the report from big motoring world. within 5 days I had the same issue. Warning light coming on and the car stopping. I called big assist again and the car was again booked in for an other repair in May. Car was taken back in may, they had the car for a week and returned with the report saying no issue with the auto stop start feature and blamed my driving. Within 5 days of having the car back it broke down again. This time undrivable. I had the rac pick my car up and take to Stephen James BMW for a full diagnostic. The diagnostic came back with the car needing a new fuel system as magnetic swarf was found.  I have sent big motoring world a letter stating all the issues and that under the consumer rights act 2015 I have asked for a replacement vehicle. all reports from Stephen James BMW have been sent over to big motoring world. Big motoring world have come back and said they will respond to my complaint within 14 days for the date of my complaint letter. I am not feeling confident on the response from them, what are my next steps?   Thanks in advance. 
    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
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      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.

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    • 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
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L-TSB... Wescot... numerous other DCAs... and now Iqor!


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I agree, their responses are idiotic... it is like they are talking about something completely different...

 

I know we have to pay, and we accept that as we have been down the documentation route; I just don't see why we have to negotiate, negotiate and renegotiate... we made an agreement; they picked a date, we told them we couldn't pay on that date but we could pay on X date... we paid on X date but they moved it on down the line of idiots anyway! :-x

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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The FOS are supposed to take into consideration all the guidance and regulatory laws.

 

One of those is from the OFT in that they should not instruct multiple agencies. Not only is it confusing but intimidatory.

 

Was this decision from the Ombudsman or one of the tea ladies ?

 

If it was first stage adjudication then you ask for it to be shoved up the ladder to a proper ombudsman.

 

 

We have the ombudsman's response and they have not found in our favour. We have to sign a form saying whether or not we accept the decision, and if we don't then neither party will be bound by it. The finding are as follows:

 

I have considered all that XXX and L-TSB have said and provided, in order to decide what is fair and reasonable in this complaint. - Rubbish there is nothing fair or reasonable in this decision, especially as it doesnt address the complaint made !!

While the debt remains outstanding L-TSB is entitled to instruct different recovery agents. The delay in making payments following the agreement with Wescot was unfortunate because it resulted in Debt Managers being instructed which understandably cause XXX some confusion. But I do not consider this merits an award of compensation.

 

I understand that XXX has not made any payments since May 2010. I urge XXX and L-TSB (through its agent) to work together to agree a mutally acceptable payment plan. If XXX is experiencing financial difficulties, I remind L-TSB of its responsibility to respond positively and sympathetically. - If you knew who the damn agent actually was then you would be happy to make payments - it is not and never has been your intention to avoid paying what is genuinely due.

 

I am currently spitting feathers at this because they seem to have completely ignored the whole point of us contacting them; and that was because we had an agreement with Wescot, we couldn't pay on the date Wescot wanted because we didn't have the money then, we made the payment on the date the money was available to us; they moved the debt on, first to Debt Managers and then to others. We were not prepared to "throw money into the ether and hope that it stuck to the account"... we wanted L-TSB to stop playing "musical debt collection agencies" so that we could make the payments to one company and know that the payments were going to clear the debt... is that unreasonable???

 

Any ideas on where I can go from here. Obviously I am not going to accept the decision; and I want to write to the ombudsman and tell them exactly what I think of them... but as they have ignored and misunderstood what I have already said *throws hands in the air in frustration*

 

All help will be gratefully received

 

Thanks

 

Mo

 

IMHO, you should indeed reject the decision and give your reasons why - make it quite clear what your original complaint was and that you believe that the decision fails to address that complaint.

 

You should quote from the decision and point out where you believe they have either deliberately mis understood or simply not taken the time to read and understand what you have said.

 

If you want to draft something up and pop it on the thread, then we can fine tune it for you.

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thank you for your help CitizenB... this is the response from the actual ombudsman, we already rejected the first effort from a minion lower down the ladder!

 

I will work on something and post it here later.

 

Thanks again

 

Mo

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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You can still reject the Ombudsman's decision and ask them to have a rethink.

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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That was my point the Ombudsman sides in most cases in original judgment, waste of time in most cases asking to re look at it but always worth a try, but as for sending acceptance or not well, the contempt in their responses in most cases , I did not respond either way.

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OK, this is what I have so far (and I borrowed a lot of your comments so thank you)... but I am not sure what to say to close the letter (as I may end up being rude)... or whether I am to return the form they asked us to sign... I want to send this but what, realistically am I asking them to do; revisit their final decision or am I escalating it to the head honcho??? Sorry for being a bit thick :-)

 

I write with regard to your “Final Decision” dated the 1st February 2013 and received by us on the 4th February 2013.

 

I have to say that once again I am staggered by the contents of your correspondence. You say that you have “considered all that XXX and Lloyds TSB have said and provided, in order to decide what is fair and reasonable in this complaint”, a statement that is truly astonishing as the complaint made has not actually been addressed.

 

“While the debt remains outstanding Lloyds TSB is entitled to instruct different recovery agents. The delay in making payments following the agreement with Wescot was unfortunate because it resulted in Debt Managers being instructed which understandably caused XXX some confusion. But I do not consider this merits and award of compensation.” I would appreciate it if you would provide me with proof as to where in any of my correspondence with Lloyds TSB, its agents or yourselves compensation is requested. I would also like to bring to your attention the following paragraph, taken from the Office of Fair Trading 'Debt Collection Practices':

 

PHYSICAL OR PSYCHOLOGICAL HARASSMENT

- multiple businesses attempting to collect the same debt at the same time can cause harassment, where more than one party is engaged with the collection of the same debt (and this could include the creditor and their agent debt collector as well as multiple agencies), actions will need to be carefully coordinated and the timely communication of accurate data about the status of the debt and the circumstances of the debtor is key.

 

“I understand XXX has not made any payments since May 2010. I urge XXX and Lloyds TSB (through its agent) to work together to agree a mutually acceptable payment plan. If she is experiencing financial difficulties, I remind Lloyds TSB of its responsibility to respond positively and sympathetically.” It has never been the intention to avoid paying what is genuinely due, but it is certainly not realistic to expect payments to be made a) on a date when the money is not physically available and b) when the initial lender keeps changing their agent and expecting renegotiation to take place on each occasion.

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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OK, this is what I have so far (and I borrowed a lot of your comments so thank you)... but I am not sure what to say to close the letter (as I may end up being rude)... or whether I am to return the form they asked us to sign... I want to send this but what, realistically am I asking them to do; revisit their final decision or am I escalating it to the head honcho??? Sorry for being a bit thick :-)

 

I write with regard to your “Final Decision” dated the 1st February 2013 and received by us on the 4th February 2013.

 

I have to say that once again I am staggered by the contents of your correspondence. You say that you have “considered all that XXX and Lloyds TSB have said and provided, in order to decide what is fair and reasonable in this complaint”, a statement that is truly astonishing as the complaint made has not actually been addressed.

 

“While the debt remains outstanding Lloyds TSB is entitled to instruct different recovery agents. The delay in making payments following the agreement with Wescot was unfortunate because it resulted in Debt Managers being instructed which understandably caused XXX some confusion. But I do not consider this merits and award of compensation.” I would appreciate it if you would provide me with proof as to where in any of my correspondence with Lloyds TSB, its agents or yourselves compensation is requested. I would also like to bring to your attention the following paragraph, taken from the Office of Fair Trading 'Debt Collection Practices':

 

PHYSICAL OR PSYCHOLOGICAL HARASSMENT

- multiple businesses attempting to collect the same debt at the same time can cause harassment, where more than one party is engaged with the collection of the same debt (and this could include the creditor and their agent debt collector as well as multiple agencies), actions will need to be carefully coordinated and the timely communication of accurate data about the status of the debt and the circumstances of the debtor is key.

 

“I understand XXX has not made any payments since May 2010. I urge XXX and Lloyds TSB (through its agent) to work together to agree a mutually acceptable payment plan. If she is experiencing financial difficulties, I remind Lloyds TSB of its responsibility to respond positively and sympathetically.” It has never been the intention to avoid paying what is genuinely due, but it is certainly not realistic to expect payments to be made a) on a date when the money is not physically available and b) when the initial lender keeps changing their agent and expecting renegotiation to take place on each occasion.

 

 

 

 

I am therefore requesting that you revisit your decision based on the further information I have provided, despite this a) already being in your possession and b) based on comments that were never made !.

 

I look forward to receiving your early response.

 

Etc, etc..

 

Other than that.. perfect :)

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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:thumb:

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 2 weeks later...

Thank you for your letter of the 5 February 2013, your comments have been noted.

 

However, please note that our complaints procedure has now come to an end, as the ombudsman has issued a final decision. Therefore, we will be unable to enter into any further discussions about the merits of your complaint.

 

We need to know whether you accept or reject our final decisions by 1 March 2013. If we do not hear from you, in writing, by 1 March 2013 then neither you or Lloyds TSB will be bound by the final decision.

 

If you do decide to accept our final decision, you should sign, date and return the form enclosed with our letter of 1 February 2013.

 

Comments... suggestions... ideas... I have a few of my own but they would fill the swear box!

 

:-x

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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I think I agree with the FOS in this instance. They have made a final decision and that is the end of the process. There is no point wasting printer ink in trying to change their minds. It is a case of whether you accept the decision of the FOS or not. You still have the option of using the courts, if you think you can present a case.

We could do with some help from you.

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I think I agree with the FOS in this instance. They have made a final decision and that is the end of the process. There is no point wasting printer ink in trying to change their minds. It is a case of whether you accept the decision of the FOS or not. You still have the option of using the courts, if you think you can present a case.

 

 

 

Do as I did just do not respond to them, and then the O.C. cannot state that you have made a decision, you do not have to inform the FOS at all, it is voluntary response if you wanted to accept.

:mad2::-x:jaw::sad:
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I would have thought that our letter telling them that they hadn't answered our complaint but invented one of their own was a good enough hint that they could take their "final decision" and whistle dixie!

 

:wink:

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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I would have thought that our letter telling them that they hadn't answered our complaint but invented one of their own was a good enough hint that they could take their "final decision" and whistle dixie!

 

:wink:

inventing one = sounds familiar!

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I'm just fecking furious that we have to negotiate all over again... and who's to say they won't start the music again once we have? Is there a complaints procedure for the FOS... I mean; can I complain about them and the decision...

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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No you can't complain about the FOS decision. You can complain to them about their handling of the complaint, but it won't have any affect on the decision. I think you would be wasting your time writing to them.

 

Have you looked at what other complaint you can make about LTSB ? The FOS have looked at one issue, but this is not to say that you cannot find another issue to complain about ? Have you sent an SAR to LTSB to see what other issues you might be able to find ?

We could do with some help from you.

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Shame, as I really don't see why we should continually have to negotiate a payment plan with one DCA, make a payment only for it to be moved on to another and another and another... They need to man up! I also don't see why the FOS should get away with ruling on a complaint of their creation rather than the one we asked them to look at. Sorry, really really really angry with the FOS and L-TSB right now... red mist descending! :-x:x:-x

 

And yes, we did SAR them and there is about three tonnes of paperwork to go through.... I do know that with another debt (they have gone quiet on) they couldn't produce the CCA and used the money included with the request as a payment against the account!

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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That's the whole problem BB;

 

 

we had an agreement with Wescot but we couldn't pay on the day they wanted.

 

 

We told them this, made a payment and were due to make another when Debt Managers contacted us about the debt,

we wrote to them saying we were confused,

then L-TSB wrote and said DM were now handling it, we complained and L-TSB ignored us,

then Iqor contacted us and now Wescot again..

 

 

. The FOS invented a complaint because they didn't answer the one we raised;

and now we are left no further forward and having to negotiate again..

. and probably again and again and again...

 

I am still so very angry

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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Do LTSB still own the account ?

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Kind of tried that and they shot us down in flames with their last letter... so infuriating that they can invent a complaint and say tough luck we're done!

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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Quite possibly... but I'm a bit "dog with a bone" about this as I feel we're getting shafted from all sides when trying to do the right thing...

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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