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    • Hi all, hope you can help. I've received a £4k repair estimate from the main dealer after my 2016 F30 330e developed the dreaded drivetrain error. The qoute is for a replacement cell module and associated labour and various bits and bobs to get it done. I initially had them investigate the issue when it first popped up a year ago. They replaced the auxillary battery which 'fixed' the issue for a few months before returning. Last Novemner the issue escalated to 'Battery not charging' which would clear after powering off the car , and disappear. Took it into the dealer and they diagnoised a faulty high voltage battery under the boot but could not do any work as they needed to schedule more cars for this 'specialist high voltage work'. So they said I could continue to drive the car until they got in touch when the car could be booked in for repairs. Roll on to April, the issue became severe (battery not charging error not going away, car in limp mode one morning) and car completly died at a traffic light same day (dashboard flashing all over the place), couldnt engage in 'Drive' and had to be recovered by AA to the dealer. Turns out car was now only running on the 12v battery in the boot and that had run flat as the hybrid function had stopped working altogether. My question is whether this is a reasonable estimate. Could this be done cheaper elsewhere? The dealer has servived this car from new hence took it them in the hope they'd not point fingers at any other party. Should I be paying for this at all since I raised the issue with them before it escalted and resulted in a now expensive fault? I also suspect the KLE may have gone too based on other posts, but the dealer hasnt qouted for that yet. I worry they'll' 'discover' that after I've already shelled out for a new cell module and end up lumbered with another bill to replace the KLE. Feels like I know about what they need to do than they do. The Service Advisor has been completely useless. Any advice would be greatly appreciated.
    • The Petrol Station is Shell Garage Wickham (Hampshire ) Another person obviously had the same issue as they had called the garage previously-
    • Thanks Dave, that all sounds clear to me. In terms of avoiding PCNs, I'm not sure if I can. I need to be able to park in that spot, especially as I've got kids to lug forth and back for the school run. Likewise it's not always possible to use the MA's permit system either, as I've not always got them to hand. So, if I'm actively avoiding PCNs, then it could mean I've given in to their idiotic rules. But, I do get what you're saying, as I imagine the risks go up if they claim there are multiple PCNs to be paid at court. Not sure what to do with this one.
    • Is it possible you could qualify for a DRO (Debt Relief Order) and ditch the IVA ? https://debtcamel.co.uk/end-iva-change-to-dro/  
    • My IVA which I began in 2021 has for around a year now been passed to credit expert - I find this company and it's staff obnoxious and insensitive money grabbing monsters.  What is my legal right can I have my IVA moved to another ip what happens if Hanover sell my file?  I am ina real bad situation where my kids are unwell and this crest expert supervisor is saying I should try more than what I agreed despite my situation being very bad and kids unwell.   I feel like they are bullying me and I duh I where to turn.  I keep getting emails saying we at credit expert are in charge of your iva now but still I got messages about my review annual from Hanover which I sent documents and now I got a response from credit expert saying they think I agreed to pay more - how ludicrous is that how can I keep these bullies at bay.   Who can I complain too without messing up my IVA.  I'm going to post below what they sent me please someone help me as they are making me suicidal now. These evil people g coincidently all Indians with weak English which is another issue as communication feels like a battle each time.    Good afternoon,   We hope you are keeping well.   In accordance with the terms of your voluntary arrangement you a required to comply with the following modification:   The debtor must seek to either obtain full time employment or improve self employed income to equivalent thereof as soon as possible and a full review of the debtor’s income and expenditure must be undertaken by the supervisor. The contributions shall increase after taking into account any increased costs in respect of travel and should commence in the month following the review. If any instances of co-habitation with the debtor by any person aged 18 or over occur during the term of this arrangement and where there is reasonable expectation that board and lodging should be paid, the contribution will be added into this arrangement in full. The debtor agrees to provide an income and expenditure review in the month following any loss of child related income. Any surplus identified is to be made available immediately for the benefit of unsecured creditors in the arrangement.    In order to ensure that the terms of the voluntary arrangement are adhered to, I require you to provide evidence that you complies with the above modification along with any supporting evidence.   Alternatively, if you believe you are no longer able to comply with the modification please do inform us.   I eagerly await your response to the points raised within 14 days of the date of this email.   If you have any further queries, please contact Customer Service on ‪0800 0431 431‬ or by email at [email protected].   Thank you for your comprehension.   Plese guys advice me what I can reply as I don't have any more money for these thieves and their annual review is an annual monster nightmare how can I tell them I'm not willing to be bullied and can't paid more    تھا ks   
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solojedi and LTSB


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Dear Mr *****

 

Thank you for your recent payment.

 

Unfortunately we are unable to accept this payment as you have requested documents for an account we do not manage, please find the cheque enclosed.

 

If you do require documentation for a Loan Account, please confirm the loan agreement number and return the cheque to be represented. Cheques should be made payable to Lloyds TSB a/c HPES.

 

If you have any queries about this, or any other matter, please do get in touch with us.

 

....

 

 

I am not sure if they are trying to confuse me but the reference i sent was stated on the SCM letter and i sent a postal order and not a cheque that they have returned back. Should i send a second CCA request letter or send them further information?

 

I assume they have some record as they have been forwarded the request from SCM?

 

Any help would be most appreciated

 

Thank you

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solojedi.. what exactly are you attempting to obtain from SCM ?

 

If it is a Subject Access Request or CCA1974 request then these do indeed require to go to the actual creditor.. Which I am assuming is LTSB in this instance.

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

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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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Hi -

 

Thanks for the quick replies

 

Ford - I will start a new thread

 

Citizen - I am not sure what the difference is between the 2 but i am trying to get a copy of my credit agreement under the consumer credit act 1974

 

sorry if the last post was a bit confusing - just found the thread in google and wanted to share my experience and looking for a bit of help....

 

All the best!!

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No problem..

 

Right, well a Subject Access request entitles you to ALL the information that the company holds on you with respect ot your financial relationship with them - sometimes they will even provide the agreement. This is called a DPA 1998 Subject Access request. They have 40 calendar days to comply with the request. You need to send £10.00 with the request.

 

CCA1974 request is a request for just a copy of the agreement, a statement of account and also any terms and conditions.. both from inception and current. They have 20 working days to comply with this request and it will cost you £1.00.

 

You should send your request to the original creditor and always post these requests via a tracked method of posting.. either Special or recorded delivery.

 

HTH

 

I will move these posts to a thread of your own and send you a link.

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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Thank you for your reply Citizen and for kindly offering to move the thread, i will look out for the link.

 

I have sent CAA1974 request and have not heard from LTSB. I have been looking for a CCA second letter template but have not been able to find anything as of yet. Would you know where I might be able to get one from?

 

Thanks again

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The letter was sent to SCM but the reply was from Lloyds TSB with a copy of my letter enclosed...I can resend it to them but as the 12 days have passed now thats why I wanted to send the second letter. Do you have a template letter for a SAR by any chance?

I would need to check the agreement to confirm if it included PPI.

 

Thanks

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They are solicitors

 

i know scm are sols. but, you said that loyds said that they do not manage the account requested? has it been sold to a dca? and that there may be a loan account? is this separate/different?

fuller details needed sol

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Sorry Ford :| - Yes Lloyds did say they do not manage the account but did not mention who does or if it was sold. I originally had a loan and credit card with Lloyds both accounts where passed to BLS. I assumed that SCM where solicitors/dca's working on behalf of Lloyds so wrote to them directly. I do remember I received letter from BLS collections based in Oxford in 2011 regarding the same debt but then starting receiving letters from SCM.

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yes, scm are loyds inhouse sols (and bls are loyds inhouse dca). when you did the cca request which a/c did you state? cr card or loan. it looks as if it was the former, of which they no longer manage. but, they still have the loan account.

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I stated the reference number scm solictors stated on their letter. Based on the amount they where requesting I did think it was the full amount for both the credit card and loan. If Lloyds no longer manage it does it mean it's back with BLS or sold to someone else whom i am yet to hear from? Would the loan have come back to them from BLS , is it best to send a letter for a SAR ?

 

Thanks for all your help

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ok. difficult to suggest what's happened without fuller details. if they don't manage an a/c that they once did, then it's prob gone to an external dca? but then you should've received some notice of this? maybe the reference number you gave confused them?

a suggestion; do a cca request for each account to loyds. see what they come back with. also, do a sar for all the data they hold. there is a template letter on cag for a sar. the 'notice of intended litigation' you mention sounds like a typical dca threatogram, and not an actual letter before claim. but you never know with that lot!

Edited by Ford
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Hi solojedi. I think I am now understanding what is happening..

 

You have received a letter from SCM which threatens litigation.. yes ?

 

In that letter, they surely must say who their client is .. are you able to scan the letter from SCM and then post it up for us to have a look at.

 

Instructions for doing so are below, courtesy of dx100uk :)

 

Dx100 – Instructions on uploading pdfs

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

 

Once we have established who owns the account we can then advise you further :)

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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