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    • Fine. Have a quick think and decide whether you want to bring a small claim. If you do then it is worth spending a little bit of time looking through this forum and discovering the steps of how to bring a small claim in the County Court. You would have to start with a letter of claim which would give them 14 days to provide you with your refund or else you will start a small claim against them and without any further notice. Day 15 you issue the papers. Don't make the threat unless you are prepared to go ahead and carry it out. As I've already said, bringing a small claim is extremely easy and on the basis of what you say, your chances of success are much better than 95% – and in my view Halfords will put their hands up unless they really want to waste their money and their time. Does Halfords really want to spend their time and money losing a case in which they will have to draft the defence document, respond to various papers from the court, put you to the trouble of paying the hearing fee, instructing lawyers to go and attend at your local court which I believe is in the North west of England, losing their case, having to pay your £40 plus interest plus your court fee plus the hearing fee – and then suffer the indignity of having their name plastered even further all over this forum and over Twitter and Facebook and trust pilot. If this is what they want then they really don't value their reputation very highly.   I have sent the following response to Halfords  
    • The Highway Code says you must not enter unless your exit is clear*. The law doesn’t say the same, the offence is stopping on the box junction* It is possible to enter while your exit is clear, and then another car block you, you stop on the junction, and commit the offence* even though you complied with the Highway Code**   (or, even, breach the Highway Code by entering when your exit isn’t clear, but not commit the offence as long as you don’t actually stop, and your exit becomes clear in time!)     * = absent the defence of you wanting to turn right and the only thing preventing you doing so being oncoming traffic (/ other vehicles turning right)   ** = in which case you appeal, not on grounds of the contravention not occurring, as it did, but on the grounds that given you had made all efforts to comply, and another driver’s bad driving caused you to have to stop so as not to cause an accident, it isn’t in the public interest to pursue it.
    • read the guide CCA goes to the claimant   dx  
    • Hi, yes that is what has happened. The technician originally said that the tyres were for BMW, it came to light in the PayPal disputes I’ve had with them that it’s not only for BMW but certainly not for my car. It seems like everyone I speak to has a different sort of opinion on what the tyres are for. We looked for a branded tyre within a good price range and chose that tyre assuming any tyre on the list would have fit our car.. I shall do that yes I would like the call recording as I am actually quite upset how the lady spoke to us about it when we contacted customer services anyway. Thanks for helping. 
    • By the way, please will you send a subject access request to Halfords and make sure you asked them for call recordings as well as any of the details that you input in respect to your tyre order and any other personal data which they hold on you in any form. Get this letter off to them by email tomorrow and confirm in writing.   I suggest that you send the letter for the attention of Andrea Botha | Executive Contact Manager who will be aware of this situation.   https://uk.linkedin.com/in/andrea-botha-96b565143   I've written to her again and suggested that maybe she doublecheck the situation because of my understanding what you say is correct, then I think that she must badly have misunderstood the circumstances of this. Once again, I understand that you input the details of a Kia and Halfords recommended tyres fit for a BMW. They only informed you of this error after the tyre fitting had been booked. Your initial contact with Halfords after this resulted in a promise to reimburse you and it was only a subsequent contact with another customer services person that they renege on the promise. Is that correct?
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Andymcq

Is a HP agreement invalid if interest rate is wrong

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Right,

 

I noticed that my annual statement had come through for my car, for whatever reason I analyzed it.

 

Ive just pulled the statement and the original agreement and it states the following

 

Sum borrowed £12950

rate 6% per annum

Interest calculated sum borrowed and admin fee of £199

Total interest is £4010.40

 

On reverse working this I have found that its either been calculated over 61 months not 60 or the rate is actually 6.1%

 

The statment ssays its a 60 month agreement however the hp agreement says its a 61 month agreement but with 59 payments of xxx and one payment of xxx IE just a 60 month agreement.

 

 

Confused....

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I dont understand these things.. so have flagged your thread for the guys on the team who do :)


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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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Here you go :)

 

 

Any agreement is invalid if it exceeds the agreed interest rate and APR along with the tolerances allowed.

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

 

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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