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    • However having had a quick look at the consumer rights act, I see that it doesn't seem to apply if you have bought second-hand goods sold at a public auction and you had the opportunity of attending the same person – section 2 (5) Unless someone has some better ideas, I'm not sure what you can do.
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    • Hearing adjourned until 23rd March. Looks like the other dates remain the same so I'm gonna have to send in a witness statement regardless of whether CEL plan to continue with this.
    • I'm a new victim of Junction City Cars so called dealership. I've bought a car from them, picked up the car from the address in Bradford /Shipley. Lots of issues with my purchase. Apparently they don't have a billing address. I've been to their address found on autotrader, it is the Andrew's Page shop in Leeds. The address in Dewsbury does not exist either, because the special delivery letter sent by us was returned back to me. They have no any traceable address or any address for correspondence. My advice to everyone who's been scammed by these  people to proceed with your investigation and complains to all the authorities possible,   starting with consumer rights(phone number 0345 404 0506), autotrader customer security (phone number 0330 303 9001) and even police or crimestoppers. Anyone wishing to buy a car from them please research first and don't believe any positive reviews they are all made up by 'Adam'.
    • I bought a car from an auction in Jan 2019 and the car engine fault light indicated there was a problem with the ABS. It went to an Audi Dealership for a diagnostic scan to identifying exactly the problems with this car.   One of them was a faulty ABS system which had the component, namely the ABS hydraulic pump identified as being faulty. Since then, this has been independently addressed by a non-Audi dealership but now a new fault code  was recorded that hadn’t been formerly discussed.   The code 01130 ‘Operation: Implausible signal’ declared itself and is related to the 45F2 ABS AUDI UK recall over a year ago. If put this to the dealership who did the diagnostic scan that previous campaigns that have now closed are looked at they will find that this is in fact an Audi recall fault and as such needs to be addressed courtesy of AUDI.   In fact, the same recall fault was listed as an item of charge. When I asked why the ECU had to be changed as well and told it was ‘because the ‘ECU is one and the same unit as the hydraulic pump and the two are replaced because of the way it is constructed’.   The matter has been raised with AUDI UK who tell me that having originally fixed the fault at the time of the initial recall on this car, the campaign open for 6 months was now closed and they wouldn’t be honouring the recall.   As AUDI pointed out when this fault was first identified, this was a serious safety issue and as such I informed the Trading Standards. They were satisfied that the safety issue had been addressed but had no redress as the campaign was now closed.   I was informed the 6 months was not set impartially but at the company’s discretion. They believed the Motor Ombudsman would resolve the issue.  This advice and the state of deadlock lead  me onto reporting it to the Motor Ombudsman but they flatly said they didn’t deal with recalls and ask Citizens Advice.    I feel that a safety recall on a fault is an issue indefinitely if it exists as the fault lies in the design and construction which is implied as the manufacturer foots the bill. How is it that after 6 months they are absolved of accountability? Is this negligence on behalf of Audi? I am not sure why the Trading Standards don’t see this as an issue apart from it being a ‘legal matter’.    What advice would you give me on going forward? 
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Would someone kindly check these sent to me by M & S . The first 2 belong together the 3rd is a seperate account.

 

My Spreadsheets say I should be offered more.

Any Help would be appreciated

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Without the headings for what the various figures are then we don't know what they mean.

 

Also post up your spreadsheet too.


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Hi IMS appreciate your help. I have attached them separately as there are 2 accounts :oops:

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They didnt give any headings on account 1 so presumed it was date then balance Calculated Interest, Interest rate used and PPI Paid

 

Account 2 date, Balance ,Calculated Interest, Rate used and PPI Paid what the last 2 cloumns are I haven't a clue

The first column on each must be thier transaction numbers I think .

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OK...give me some time and I'll see if I can fathom it out


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

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my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

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Sorry IMS interest was stopped in an agreement on 19/11/2011 on number 1 account and 19/09/2011 on the number 2 account sorry should have told you earlier. I have tried to fathom out thier workings but just hit a brick wall . Cards are still running but no interest being charge as my friend reached an agreement through ill health.

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Hi IMS wondering how things were with these workings. I have been trying all over the weekend to see where they get thier figures from . There is a gap on the no 2 account where the balance was at nil I wondered if that made a difference. I cant even fathom out 1 line. I dont really wnt to accept thier offer if its wrong I know they have been wrong before . Really appreciate your help !!

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Hi IMS

What an idiot I am they have sent the balance on the account the interest and the PPI paid but not thier workings what they have offered is on Acc 1 PPI Charged !1244.12,Contractual interest £989.72 8 % Interest £760.43 Total 2994.27

 

ACC 2 PPI Premiums £720.09, Interest Charged on Card 581.78 8% 430.72 Total £1732.59

 

I am going to do a spreadsheet with the correct APR for each Line to see what the difference is.

 

Sorry if I have wasted your time, I might need you to look at new s/sheets

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Good morning I have reconstructed the spreadsheets with each individual APR rather than an average as stated on thier breakdowns and still am not near thier offer acc 1 =£4113.15 as opposed to £2994.27 Offered and account 2= £2456.43 as opposed to £1732.59 offered . Should I go back to them and ask for the actual workings . The lists they sent were just of the monthly balance PPI and interest rate which I already have. The compound interest runs rather short or should I just accept it any advice would be welcome I used the Compound Interest Calculator regulatory Method

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Anney

 

FOS deem a request for their calculations as perfectly acceptable and if they dont give them to you then FOS will apply pressure to get them on your behalf.

 

If you are unhappy demand to see how they arrived at the figure they have offered.

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I have had the same, and look for a thread started by I think emmtay on the same subject. They have not taken me seriously at all until I did one simple thing. Companies house search, directors home address and then s234 (not sure on number at mo) application to registrar as they did not reply to reasonable request and correspondence to the service addresses. Had to go though registrar ( as I agree for security as a bank) rather than direct (though I had very ****ed off direct replies from two directors) and they started to promise by email from reasonably senior that it would be dealt with. However they have not kept up bargain so back to registrar as it is now 18th .

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well still no breakdown just another letter attached which ups the offer very slightly as they appear to have missed 1 months PPI

 

Do I send another requets ??

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Can someone check my Spreadsheet for Account 2 as in my thread 4 just to make sure I have it right prior to pushing further.

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This is list just received on one of the M & S accounts can someone advise if this is correct. They dont appear to have compounded the interest is this part of the FOS remit. Appreciate any help please before settling

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Hi

 

Sorry you have been missed.

 

I'll try and get a look at these this evening for you.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

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my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

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No Worries IMS I know how busy you are. Would appreciate your comments

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Hi anney

 

I have some quiet time this evening so will have a look then. Sorry for the delay.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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I have put some of their figures into the spreadsheet and come up with different figures for the contractual interest that they quote.

 

I think you need to contact them and get the to tell you exactly how they have worked out the contractual interest giving the date that they calculated it to.

 

Tell them that you are not prepared to accept their offer until they have provided detailed figures that enable you to check whether the offer is correct or not. Tell them that you are not simply going to accpet their assurances that they are correct, you want to see a set of figures that can be thoroughly checked.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Right IMS will do this is the letter they sent with the list. Should I respond or go to FOS

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I would respond to them first.

 

Demand that they send you something you can check.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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