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    • A complaint 12 Months after the event.....................   Complaints about GP's are taken very seriously. Its not surprising he wouldn't want to see you alone, maybe with a chaperone, but not alone.   So you intend to complain again................................   You had best be careful or the Practice will strike you off and then you might be stuck. Just see another GP at the same Practice and move on.   H
    • Good Afternoon all.   Please forgive my naivety, this is my first post and I would really appreciate some advice.    I purchased a Ford Ranger 2015 plate from Ron Whites Trade Cars in Wakefield on 18th Feb this year. I paid £6,700 on debit card and was given £4000 trade in for my 2010 Nissan Navara, so £10,700 in total. Inclusive of 6 months 3rd party warranty.   I had recently been diagnosed with secondary cancer in my bones (including spine which affects my mobility) and needed a reliable vehicle to travel to and from hospital of which I made him aware of. Also that I have several dogs and horses and therefore needed a pick up.  My dear Dad helped me with the cost of the car.    At my request, he put a new MOT on it and I collected it a few days later.    On Thursday 9th May, having driven no more than 500 miles from collection,  I was driving at about 45 MPH, when I was approaching a 30 MPH zone and a busy crossroads, and went to apply the brakes. The brakes failed (as in nothing at all) and I had to slow the car through the gears and apply the handbrake narrowly missing several cars.  I can't tell you how frightening it was, and I have been scared driving since.    I called Ron Whites Trade cars ltd and spoke to the dealer.  He told me to call the warranty company. Which I did. They advised me to call a tow truck and tow to a VAT registered non-main dealer.    The warranty company - clearly not worth the paper it is written on - said I need to show full service history. I realised then (my bad) that it never came with FSH, despite the advert declaring that it did. I have screen shots of the advert that verify this.   The garage where it was towed to called me the next day and asked how long I had had it. I explained not long. Their head mechanic said an unaligned fitted part - fitted prior to purchase (vacuum pump to brake servo?) has caused the damage and it was likely to be a very large bill. He advised me to call the dealer and under the CRA 2015 ask him to repair it or reject it.    I called him back and without going into details - he refused to help. The mechanic from where it is currently sat also had several conversations with him. Apparently the dealer became quite threatening and abusive.  The mechanic advised him to come and collect the car and repair it as he should do under CRA 2015. The conversation ended with the dealer telling him to just fix it and bill me.    I emailed and sent a recorded letter on 10th May, advising them to collect the vehicle and repair it or pay the garage where it currently stands or I shall take legal action.    I heard nothing.   I am now going to authorise the garage to carry out the repairs and will be seeking costs through the small claims court.  I have researched the company and they have a large selection of vehicles, last assets were recorded at just under £600k.  Most of the stock is stored at the Director's home address. Which is where I purchased the car from. Although the receipt states Ron White Trade Cars Ltd.    I desperately need the vehicle and although I have an old Peugeout 106 as a loan car - I can't possible carry out my hobbies and usual daily life in it.   My poor Dad is lending me the money to repair it.    My questions are:  A) Can I start the small claims process now? The reason is that I have a DS1500 form - which basically means I may have less than six months to live - but hopefully more! Could the case be expedited in order I can settle things sooner for obvious reasons?  B) Do I sent another email/text advising that tomorrow I will start the claim? B) I have no idea what the total bill will be until the car is fixed - so do I claim an 'undisclosed amount?' C) What wording do I put on the form - what detail should I absolutely not miss out?  D) The registered address on Company House is that of an office elsewhere. I assume the accountants address. I collected the car from his home address (approximately 30 other cars were there) so can I send the court papers to this address? E) Who do I put on the papers? Ie Ron White trade cars ltd. Or the director I dealt with (of which there are 3)  F) I have been advised to get an independent report - but this is going to delay the process even further. The mechanic has advised he will take photos and written evidence. Would this suffice before a judge?    I'm very grateful to anyone who has read this, and apologise for such a long post.  Many thanks         
    • 2 years ago I made a complaint against a GP at my surgery....the reply I received was the GP could not recall the events (in the complaint) because the GP see so many patients a day and the complaint I sent was 12 months after the event.   Now to what happened recently....   1. I had a appoointment at 10am with the same GP I had made a complaint againt over 1 year ago...I booked myself at reception and waited, waited when it was 10.20 I asked at receptionion when would I been seent, as my appointment was at 10am. A receptionist told me 'There has been an emergency of some kind with a patient...so that has caused a delay and your appointment will now be moved to another GP' - I asked why the appointment was moved and was told 'sorry I cannot tell you' and you will be seen soon.   2. 10.30am and still not been seen so I asked another receptionist, she checked the computer system and told me the GP (name) has refused to see me because I made a complaint against him over 12 months ago and now my appointment was being moved to a different GP and I had to wait. I told the receptionist this was wrong and the GP had to be impartial as a GP and he was making this personal by not seeing me.   3. Eventually I was called and saw a different GP and explained to him what happened and the GP I had originally had an appointment with had refused to see me because of a complaint I raised against him over 12 months ago. The GP I was with was shocked and surprised and told me that GP should not have refused to see me   NOW I need your help to write a complaint, please can you help me
    • ok...thank you. I have read the post (thank you for guiding me to that) and will write in similar thread.   My worry is that I lied to the inspector about not having used the card before. I also recall now that he did not ask me to sign the notes he took so I am worried I have no idea what he wrote down.    Without my signature on his notes, would this be admissible evidence in court?
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
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    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
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    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
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    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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scrivenger

Cabot asking for payment for LLOYDS TSB credit card debt.

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Hi,

 

I think I'm in a similar situation.

 

I recently received a letter from Cabot saying that they had bought an account that I held with LLOYDS TSB - Credit Card.

 

The first letter was dated 19th November 2015.

 

Subsequently I have received two additional letters the last being, I imagine, the same as above (parksey78),

just a form wanting pesrsonal details and income/ outgoings.

 

I genuinely have no knowledge of this account and I was therefore about to send the template letter regarding 'no knowledge'

when I came across a similar thread suggesting that it maybe better to wait.

 

I have two questions,

 

the first is should I wait until I get something more substantial from Cabot as you have advised elsewhere and

 

two what is the reason why you would suggest not sending the 'no knowledge' letter at this stage?

 

Is it simply to avoid entering into any form of dialogue with them?

 

Thanks in advance.

Edited by dx100uk
merge

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Send them the following...

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974-**Updated-January-2015**

 

Retain proof of postage and then wait for a response.

 

Regards

 

Andy


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Sorry, I was specifically reffering to the guidance given in this post........ 457637-cabot-chasing-5-year-RBS-loan-debt-debt-no-contact......... I am reasonably familiar with the CCA request route but was interested to understand the guidance given in that post. Sorry haven't posted enough to be able to insert a proper link.

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We could do with some help from you.

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So what do you wish to know in particular from the above thread ?


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Well the other thread appears to be suggesting to wait until Cabot sends something more substantial

than the current letters which say 'We have a bought a debt from LLOYDS/TSB and

so now you owe us the debt

and we'll make it so easy for you to pay us'.

 

 

I just wandered if it was worth sending them a CCA request at this stage.

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Well the " We Bought the debt " letter will be the Notice of Assignment ..therefore they legally own the debt now....the second letter is seeking your payment and financial position.

 

The letters and phone calls will continue until they get a response or an offer of payment.....so why not put them to task now..request the agreement...if they comply you are then aware that the debt is enforceable....and they could possibly issue a court claim.....

 

If they fail to comply...you can ignore any further communication/correspondence and get on with your life....in the knowledge it would be unwise for them to take this to the next stage.

 

Requesting your agreement has no effect on the Statute of Limitations

 

But its your choice.

 

Andy


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When does the ac originally date from, and how near, if at all, sb are you?


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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Andy - thanks for advice, would it be just as effective to send a no knowledge of debt letter or not?

Rouge - I have no idea. If the debt does exist it will be at least 5 years old and quite possibly in the region of 15-20 years.

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Andy - thanks for advice, would it be just as effective to send a no knowledge of debt letter or not?

Rouge - I have no idea. If the debt does exist it will be at least 5 years old and quite possibly in the region of 15-20 years.

 

No because that has no Legal Standing and does not place them in default of your request.


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Ok, understood, thanks. Is there a timescale?

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Well if it is 15-20 years ago that you originally took out the card then Cabot are certainly going to struggle to comply

with your cca request


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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Ok, understood, thanks. Is there a timescale?

 

All explained within the above link...time to comply etc.


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Thanks very much to the both of you. I will keep you in the picture as things progress.

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So letter and P.O. sent off. Coincidently I received a statement of account from Cabot today. It shows the date of agreement as 1st October 1984 and the date assigned as 2nd December 2013. Are these dates significant or not? Grateful for any help.

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Hopefully it will turn out that the ac was started after may19 1985, otherwise they only have to provide the current t&cs to satisfy your request

 

However that could be contentious in itself, since if they cannot find the original(which they won't be able to)

How will they then be able to prove that the account was started in October 1984?

 

Await the cca reply, could prove entertaining


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Yes I wondered the same about the start date. If they don't have the agreement how can they know the start of it....As you say, waiting for the reply with interest.

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when was the last time you paid this card or used it?

 

 

dx


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Hi, I have absoloutley no idea what so ever. Certainly not in the last 5 years.

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Hi, I have absoloutley no idea what so ever. Certainly not in the last 5 years.

 

Well spend some time investigating that as it may well be statute barred and if not it most certainly will be by the time you get a response to your CCA request:becky:


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might be worth a look at your credit file?


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Andy - How can I check those details? I can't remember and have no records whatsoever. Would lloyds/tsb still hold that info?

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Andy - How can I check those details? I can't remember and have no records whatsoever. Would lloyds/tsb still hold that info?

 

They should ...give them a ring or DSAR them


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Andy - just received last transaction information. On the 15th April 2009 two transactions took place on the account. Both were payments made to the account, one was for £1 the other for £201 pounds. That was the last time the account was active I assume. They also said that the account was placed into recovery on the 28th October 2009.

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