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    • Thanks for letting us know about this. I'm afraid that this website is mainly bad news about companies so it's very refreshing and very decent for someone to come along and to give praise where praise is due. How about a link to their website?
    • Having a little additional think about this, I think that your interests are best protected in the following way: You inform the seller that you are obtaining the quotes which I have referred to above. Having received the quotes, you then inform them that you are proposing to have the work carried out at XXX garage and that you will expect that the seller will reimburse you for the costs and associated expenses. You can tell them though that you understand that they may want to control the work being done to the car and so you are willing to allow them to do it but as the fault has manifested itself at this point and that it is clear that the problem is their responsibility, if they wish to carry the work out themselves then they will have to organise the collection vehicle and the delivery of it to you once the work is completed. Of course this will be very expensive for them and they will either fail to respond or they will refuse. Whatever their reaction, you would then go on to say that as they have failed to respond/declined the invitation to carry out the repairs themselves, that you are now going to your preferred garage – one of the two quotations which you have supplied – and you will have the vehicle repaired there. You are giving them an opportunity to comment. I think that if you use this approach, then you will be able to demonstrate very clearly that they had a choice and therefore they will be unable to disassociate themselves from the repairs which are eventually carried out at your chosen repairer. Even though this exchange of correspondence may mean that it will take a week or so longer to have your repairs carried out, I think you should do this in order to protect yourself in the best way possible
    • Please name the dealer   I would start off by sending them a letter of rejection seeing as you are within the 30 days. This doesn't mean that you have to reject it but it reserves your position. Secondly, on the basis of what you say, I don't think that you need necessary to find the cheapest place. You should be looking at the best quality that you can find. I think the best thing to do would be to get to competing quotations for the work you propose to have carried out – and not necessarily at the cheapest place, but a couple of proper reputable garages – authorised for that kind of vehicle. Inform the dealer as to what you are doing and providing with copies of the estimates for the work before you put it in hand. Give them five days to object or to make other comments. Make it clear to them that once the work is carried out that you will be looking to them to reimburse you. Of course you are opening a can of worms here because if you get some further problems – more serious – you may find that the dealer is starting to say that because you have carried out your own work so your own repairer on the car, they cannot now say that any defects were inherent in the purchase – and that they may have been introduced by 1/3 party repairer. I'm afraid that you have certainly fallen into a trap of buying a car a long distance away from where you live. We find that people often tend to do that because they think the car they have found is the only one in the world for them. They forget to factor in the difficulties that they will be if there are defects – particularly if the car stopped altogether – the cost of transportation to the dealer, the cost of having to travel up and down the country to collect the car – and of course these difficulties could emerge several times through the initial years of your ownership of the vehicle if you are relying on your statutory rights and expect the dealer to meet those obligations. Furthermore, if you have to bring a court action against them you are now dealing with multijurisdictional claims – suing out of Scotland against the defendant in England and that adds to the complications. It's too late for you to do anything about this – unless you actually decide to reject the vehicle – but at the very least, other people who come across this thread may get some benefit from these comments. I think it's important for you to get the best quality repair you can and to make sure that the dealer is aware of what you are doing so that if later on they try to deny responsibility for further defects, that you will be able to show that they were fully appraised of what you are doing and they will have less room to manoeuvre themselves out of their statutory obligations. I'm afraid that purchasing a car from one dealer and then having it repaired by another service provider, brings into the same kinds of difficulties that somebody who purchases a central heating boiler from one supplier and then has it installed by a different supplier find themselves in. When things go wrong, the seller blames the installer. The installer blames the seller – and you, the customer, are piggy in the middle. Not a good place to be. I notice that you are doing things on the telephone. Big Fail! Read our customer services guide. In your situation you should be extremely careful to make sure that you have got a record of everything and a full paper trail
    • What information do DVLA need for a provisional licence ?   Think the ID issue needs to be looked at a bit more. Surely you have birth certificate, school information, Doctors records. School and Doctors should provide a letter to help with ID.                
    • Amex as with any creditor must help you the FOS should go with you and make them remove all interest charged from the very 1st time of asking for help. the FCA regulations actually almost dictate it, they most certainly clearly state that if the are FCA registered they must help.   it's very telling they have no marked your credit file....almost as if they know they are wrong. it's also telling that an irresponsible lending complaint might well be in order hear too, they can just keep upping the credit limit without checking you can pay. and ofcourse covid plays its part here and they've already admitted as they allowed payments holidays until october in line with the rest of the industry and they should be continuing that. you problem is you keep using the phone, no paperwork no record of things discussed. i'd get an SAR off to them. and get the comms/account log and all the statements from day one and go nail them.
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      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
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old Virgin Money MBNA card account


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My sons Virgin Money account was set up and accruing over the top of his limit,

when his relationship broke down in October 2006 and he came back home.

 

 

He was expected to pay the telephone bill and maintainence for his son and they were also asking him to sign over the deeds to their home.

 

 

This all hit him badly and after a bad bout of depression,

and eventually returning to work, he lost his job of 7 years.

 

 

At first I couldnt get him to deal with his debts, as he recently put it he was in "a bad place".

He was out of work or only doing telesales for most of the year,

not seeing his son and not able to get legal aid to do, so thanks to no wage slips or statements.

 

When he did eventually get a job my wife finally badgered him to let her run a DMP on his behalf

she put among others an amount of £1729.32 that was to be paid to Bryan Carter & Co. £5 was paid to them as an initial setting up.

 

When the payments were not being made she rang the CCCS who said Bryan Carter was no longer dealing with it.

She rang Bryan Carter to find out who was , they didn't know.

She wrote to MBNA, got no reply.

 

 

Emailed Arrow Global and was told any correspondence had to go to 15 Old Bailey, London, a letter was sent - no reply.

This was in February 2009.

 

Then came a letter in November 2009 and December 2009 for £1724.32.

She sent of the letter for a copy of the credit agreement.

A letter was received in April 2010 with other card details on it,

but definitely my sons signature dated 26/06/2004 on the last page of the agreement but with no actual card number on it.

 

Now he is receiving letters and calls again and we wonder what position he is in.

Much of the debt is interest and late fees.

Any advice please?

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Don't talk to them on the phone.

Either refuse to answer the security questions or hang up.

Who was the letter from?

Can you post up the CCA you got back (cover your details or anything that would identify you)

you can claim the fees back.

 

series3

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Thank you for your reply, sorry I am a bit late with this. I've managed to get all the post and emails into PDFs regarding Bryan Carter, Arrow Global and Moorcroft Debt Recovery. Somehow they became out of chronological order and I don't know how to remedy that but I think you'll get the gist. As you'll see we tried to repay the debt but nobody wanted to deal with it at the time on the DMP. Our son was earning about £400 more a month at the time. Th DMP is over and done with apart from the fact that Bryan Carter put on through he court even though a small payment had already been made to set up the DMP. Well he's not getting much and my sons coping at the moment but he really can't afford paying this off now especially as he thought it had dissappeared.

Here are the PDFs, I hope someone can help.

Regards

pastamik

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