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    • An update - Still receiving emails and letters - but have been getting text messages too. nothing aggressive just asking me to get in touch.    the text makes it look like it from the bank on first glance - it reads -   'the banks name' would like to dicuss our recent communication...etc... then lists IDR phone number and email FYI - reporting them as spam
    • Hello, After seeing all of the posts about BMW on here I really wish I hadn't even considered them! I bought a used car from them over the weekend, one specifically which had a reversing camera and cruise control in the advert. I was foolish at the time of purchase and didn't check to see these functions work on the test drive (totally my fault). Now that the car is home I've checked and checked and neither of these functions are available. I even checked on Parkers and it seems that no Skoda Kamiq '21 models come with any parking cameras at all. When buying the car, I was told all that was needed was 'Four signatures and £500' to secure it. I was never shown any of the documents, and instead the sales rep opened a box on his iPad and asked me to sign. He had been complaining about the length of time some customers take these days all throughout my time with him. (Again) foolishly I signed. In my email inbox I now have four attachments from BMW, one of which is my signature under a letter which basically says that the cars don't need to match the advertisements online, or have any of the features that a sales rep talks about. I realise that I've made mistakes in not doing my due diligence here, but thought I might as well ask the experts here if I have any rights left to claim that the car was miss-advertised, or if I unknowingly signed them away? Thanks in advance
    • where was this PCN:? please complete: pers i cant see the point in an sar yet await/if they ever send a letter of claim. as long as you've not moved since 2022 you are OK to totally ignore . dx  
    • ah this is a B2B PCP then as your are sending the SAR as a private individual and not as repping the co. you need to prove to them. unfortunately, i think that will also reset the 30 days. dx
    • Customers who opened HSBC's one-year fixed rate Isa say they have been unable to see the new Isa they opened or the money they transferred in.View the full article
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    • Hello,

      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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No PPI..credit limit was 14,300 so 2000 of intrest and charges..Account was from 2001 so fairly oddish ..they can make me BR if they want ..I have nothing to give..Maybe I should ask them :)

 

Odd indeed on this large amount one must seriously consider WHY no punitive action has been taken after all this time.

 

A SAR to n Halifax is my advice at this stage.

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I have merged two threads together.. as it is the same companies, it is best to stay with one thread that way people advising have the entire story in one go.

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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Halifax will have 40 calendar days to comply with a SAR request.

 

You could write to 1st credit along the lines of, you are concerned that the information you have been supplied with is insufficient and have contacted Halifax to provide this information. You would hope that 1st credit will put any actions on hold until such times as Halifax have responded to you.

 

If I understand things correctly, 1st credit have been in possession of this account since last year ?

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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Yep 1st cred have had the account for a year now..Ive already drafted a email but will add on what you have put Citizen,,

 

Thank you very much :) ..And thanks for merging I forgot I started the other ..Aving a blonde moment even tho Im not blonde :)

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this has been going on since 2008

 

if anyone were to do anything

it would have been done by now.

 

sev threads merged.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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they haven't till now

 

surely the sb date must be very very near.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I think you've played enough letter tennis.

 

could be why they keep trying.

 

they think a mug awaits

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Ohh trust me DX they aint getting a penny with what they have produced :)..Im sending one more letter and thats it..Telling them I dont give any kind of money to any person or organization unless they can legal prove they are allowed to collect,,and with the documents you sent you havent..I did get a 40% discount letter of Halifax before it was sold ..that speaks volumes I guess

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  • 2 weeks later...

UPDATE

 

This is what I received of 1st Credit today .

 

I told them not happy with the CCA/application.

..not enough statements to see how they got the figure

,,Told them Im in touch with Halifax to get documents as I find theirs insufficient..

 

Your comments regarding the legibility of the agreement have been noted and we have reverted to the Halifax for their comments.

 

I have reverted to our in house solicitor regarding your comments that there should be a reference to the terms and conditions being overleaf;

whilst we do not agree with your comments, you are entitled to your opinion.

 

Please be aware the bank is only obliged to hold statements for a period of 6 years,

therefore we would not expect the bank to provide us with statements from 2001 nor are they obliged to send us any.

 

Thank you for informing us that you have contacted the Halifax, the account will remain on hold in the interim

and I look forward to hearing from you with an update within 30 days,

should you require more time to resolve your concerns with the Halifax please inform me of this and I will try to accommodate your request.

 

Yours sincerely

 

 

ANY THOUGHTS on this?? .

 

.I told them they would need original docs if they were to issue

..they have had plenty of time to issue

..but still dont.

.I dont mind playing letter tennis..

.This becomes SB in Feb 14

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  • 1 month later...

UPDATE

 

Have received Sars from Halifax

..what am I looking for ? ..

no CCA TN or DN ..

 

also it states on one of the print outs that if I want a CCA sent I have to follow their procedure

but a copy/app was sent to client.

 

.Now I sent a CCA request recorded in 2008 to them

..they never sent CCA .

.It was only when wescot got Intouch in 2008 and I said account was in dispute due to no CCA that they sent the Copy/App

 

So im beginning to think they do not have a CCA ?

 

Ant thoughts on this ?

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think you might be right!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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OK..Maybe why nothing has happened..I will continue to be in touch with my comments and concerns with 1st credit..Hopefully we can play letter pingpong till its SB in March 2014..Dont want to not answer has someone else on cag Ignored letters and was then issued a summons

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UPDATE

 

Have received Sars from Halifax

..what am I looking for ? ..

no CCA TN or DN ..

 

also it states on one of the print outs that if I want a CCA sent I have to follow their procedure

but a copy/app was sent to client.

 

.Now I sent a CCA request recorded in 2008 to them

..they never sent CCA .

.It was only when wescot got Intouch in 2008 and I said account was in dispute due to no CCA that they sent the Copy/App

 

So im beginning to think they do not have a CCA ?

 

Ant thoughts on this ?

 

There is no obligation for a creditor to supply a the agreement with a SAR, any DN would likely be a 'generic' copy of what you would have received.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Yes I know I read that before.

..So why would Halfax say if I want a copy of the CCA I would have to follow their procedure to get it

..But send a Copy/App...

 

.Its seems to me they havent sent the CCA because I havent asked for it the way they want me too...

 

The App may have the T and Cs on the reverse but if they were there was no indication they were,,

They look leaflet form.

.And I cant read them even with reading glasses on :)...

 

This has benn going on since 2008..

 

There must be something wrong some where otherwise why no summons..also the DN is invalid

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It's a standard (editable) template letter, e.g. enter name here......: type with generic content.

 

If all the Ts & Cs and any amendments are not supplied or are illegible then even as 'a reconstituted' agreement the document does not comply with a sect. 77/78 request.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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On one of the print out it QUOTES .....Unenforcable Agreement.

.You advised

..buy back decline

..copy is legible and enforcable.

 

.Please see attached document from the OFT regarding plain English guidence and consumer rights.

 

WE consider this to be a bad photo copy therefore provide a true copy or Repurchase..

..reply

..Declined

..historic Tand Cs re ordered..

 

It seems as tho 1st credit we saying it was unEnforc and wanted Halifax to buy back the debt

but they keep saying no and saying that the Tand Cs are readable but slightly blurred

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