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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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HSBC Default


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Unfortunatly ive been dealing with their cutomer service, who seem to be content to say 'sod off, were just going to ignore you'.

 

By final response, that means HSBC will no longer reply to my letters i presume?

 

It looks as if i will need to initiate proceedings shortly, as im not aware of what the ICO can do for me, and as you say, they move at a pace much like a snail.

 

Is there a way i can FORCE them to supply me with my original agreements? As i know there is no clause in there giving them the right then this would be handy to ue against them.

 

I would need time to draft some PoC's for this too, and also i will await surlybonds update to his template & his new letter for 'difficult' cases.

 

Believe me HSBC, in their ignorance, have put me in such a mood as to string them up by their b£$"! if i can :)

 

When i recieve their 'final response' i will of course post it for dissection.

 

Many thanks for your help

Clint

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Hi Clint - I wouldn't hold my breath on anything the ICO has to say either, as rosierose says - they really are useless at replying at any sort of speed! All the best with the claim though, I'll follow it closely. My default with HSBC was partly made up of charges, so once I've paid it I'll be pursuing for it's removal.

 

Cheers,

Lee

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8 Canada Square, London E14. I'd be tempted to take it from the top with them rather than hit them with an LBA in order to give them a chance to find what ever data they might need - your choice though. You have given them every oppurtunity.

 

I have had very much the same impression from their customer services dept. Arrogant and barely aware of the law.

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A small announcement.... Rosie has got a clean credit history!

 

Orange capitulated today and Link/MBNA are out of time!

 

Thank you very much, CAG. I couldn't have done it without all the help here. I am so happy I'm going to get a credit card and go shopping.... No, just kidding, champers and a nice dessert'll do.

 

Now, back to the charges....

 

:D :D :D Rosie :D :D :D

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Well, no 'Final response' from HSBC yet.

 

Been a bit side tracked with the birth of my first child @ 3:20am on friday!

 

Baby boy 7lb called Connor :)

 

To anyone interested heres a link to a picture of him:

 

http://s.sk-gaming.com/img/member/526403/264703.jpg

 

Rosie, in regards to the group data office, i will not need to serve them another s.10 notice will i....

 

Regards

Clint

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  • 2 weeks later...

i have a reply....

 

it states "i confirm reciept of the background papers at this office and we are considering the merits of your complaint in order to write back to you, certainly within 30 days"

 

its again from the customer relations team but this time someone else

 

 

merits of the complaint. wtf?

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Whilst i await HSBC's response,

 

Because this default was for an overdraft, apparently they do not need to issue me with a default notice, does anyone know if this is actually true? (As technically its not fixed-sum credit, i think?) Therefor that means i cannot do a CCA request?

 

Does my head in all this waiting around for HSBC to stop dragging their arses :/

 

Ill wait all this time and get back a reply similar to my first letter recieved from them i bet, full of rubbish with no legal backup!

 

Grrr

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Did they say they needn't supply you with a copy of the default notice now, or that they didn't have a duty to supply you with a notice prior to defaulting you? The former is quite true IMO, but the latter would be very wrong.

 

It's important not to confuse agreements and default notices. True, there certain exemptions for overdrafts within the CCA. They needn't supply a copy of an executed agreement, for example - more often than not because there isn't one; at least as it relates to the amount etc. Such would be covered by the T&C's of your acount generally.

 

As an aside, to remain within the auspices of the Act they needed to have supplied a statement showing the interest rate etc should the OD have been in force for more than three months, IIRC.

 

More important is the faundamental assertion that they prove the they have your permission to process data - for which they need a document with your signature on it that says you gave it.

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According to what they said, they were not obliged to send me a default notice prior to defaulting me. They are required only to send a letter asking for repayment.....

 

Im sure that is not right.

 

Im still awaiting their final response and one can only wonder what will be within it, but they have ignored my request for my account opening documents and just fobbed me off, is there any angle i can force the reciept of these? So i can prove that there is no clause in the contract to allow them to process my CRA information after the contract has ended?

 

Im wondering if they even have my account opening documents seeing as their ignoring me....

 

Cheers

Clint

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