Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Nationwide is facing mounting criticism from savers.This is a result of the cuts it has applied to savings rates in the wake of the Bank of England's decision to cut the Base Rate to 0.1 per cent. View the full article
    • As a former NHS manager in a mental health trust... I agree 100% with the actions recommended by stu007.  And I would make especially clear in your letter(s) of complaint that you are extremely concerned about the whereabouts of any confidential letter that was intended to be sent to you in the handwritten envelope.  (Indeed, the fact that a handwritten envelope addressed to you was used would suggest to me that they definitely had something to send you.  It also sounds a bit odd to me that the envelope was handwritten).   As well as complaining in writing to them, I'd contact the clinical team by 'phone first thing on Monday, explain what's happened and tell them to ensure that any confidential information about you that has been sent to a third party must be recovered immediately, and you want confirmation of that.  Well that's what I'd do - see if others think it a good idea or not.  If that had happened at my trust, heads would roll.   There's another poster on these boards called "think about it".  They're involved (I think) in GP practice management and may have some comments too about patient confidentiality.   Oh - I think I would include a photocopy of the handwritten envelope in my complaint to the trust and the ICO.   (I've got to ask - can you say what trust it is?  Don't say if you don't want to.)   EDIT:  And well done for contacting the other person to tell them what's happened.  You did the right thing
    • Hey, thank you very much again for your replies!   - We go to the branches and ask for business accounts, but as I give them my personal name they register them as sole trader accounts in their systems, regardless of my company name being on the agreement.  Suspended our services for high volume messaging -- that is not explicitly covered in terms and conditions Send us letters referencing wrong terms and conditions that we did not sign Terminate the contract and come with a random balance number. We argue unsuccessfully, but they don't follow up with the requested deadlock letter. Pass our account to Lowell in 2017 I pick the account back up when I notice it is affecting my credit file in 2020 I work on the case for about three weeks and file a complaint with CISAS I give Lowell my contract and they see it is my company's name on it so they pass it back to Vodafone Vodafone wants to settle my account quoting they should not charge me anything on the first place and they offer £250 as a compensation for distress. I mistakenly accept the offer because of confusing wording and thinking that the third party adjudicator was already involved in the case, although they would basically get involved on the later stage.  I make a complaint as per CISAS and try to reverse the settlement in the system and have third party adjudicator having a proper look into my case and hopefully reward me a much fairer compensation for all the damages.    I have made a SAR request with both Vodafone and Lowell so far, but still waiting for the Vodafone to send it.    I am now waiting for CISAS to respond, but because I am still upset how much damage this has caused me I am considering taking them to small claims court.  For that I am researching what are the acts I would have to reference in that case.   Obviously Consumer Rights Act 2015 and then Data Protection Act 2018 and perhaps some acts regarding entering into contractual agreements -- can you help with that maybe?        My main concern at the moment is to how to express claims well in a legal language, because £250 they offered feels just patronizing given that there has been everything clearly written in black and white, yet I have had to go though this damaging and humiliating experience. 
    • Cooling off periods do not apply to faulty items. The cooling off period relates to a distance purchase of an item which is of satisfactory quality. Where an item is faulty then it become subject to the rules under the Consumer Rights Act
    • I understand the cooling off period for online purchases, but this is a little different due to the item being collected/paid in person.    A used item was recently sold by auction on eBay. The seller inspected, paid with cash and collected the item in person.    The buyer is now claiming the item to be faulty.    If this transaction was completely remote and the item posted, I would absolutely expect the buyer to be entitled to a refund.    But as the transaction happened in person would the point of the money changing hands be when the contract is made? Therefore not giving the buyer any cooling off period?   I think this is the key information; Used item Paid in person Working when collected Private sale   Thanks!
  • Our picks

hackett1987

Varooma Log Book Loan SHARKS!!!! Repossesion Order

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1576 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

now know why Varooma hassle you to write your review 1 day after taking out the loan,

as obviously you will be happy with them at that point, but my god will that change.

 

I seriously don't know how these guys can trade let alone be a member of the CCTA & FCA

 

I fell into financial difficulty after taking out a £5k loan paying back £500 per month for 24 months,

I took out my loan in January 2015 and have literally just had to sell my £11k BMW for £7k so they wouldn't repossess my car.

 

 

They charged me over £3.5k in charges (not interest I’m talking about just charges) for according to them,

SMS Charges @ £1.5 per text,

one month they sent me 30 apparently,

Outbound call charges £5 per time,

Late payment charges £15,

Default Notice Charges £15,

Default notice reminder charge £15,

Final Demand charge £15,

Demand for payment notice charge £15,

Recovery handling fee £75,

Recover agent fee £475

(I SPOKE TO THE REPO AGENT AND HE SAID THEY DONT GET PAID UNTIL THE CAR IS REPOSSESED).

 

They contacted me to say the car was out for repossession and I tried to negotiate a payment plan,

however they weren't interested,

they wouldn't hold the repossession and demanded I paid over £3k in arrears that day

or someone would come to my work and take the car.

I was 1 month behind 1 month!!!

 

I eventually sold my car @ a £4k loss just to pay these loan sharks.

 

In total I borrowed £5000,

I was 8 months into my loan and had paid back £3481.92 which was £518.08 shortfall (1 month )

and they forced me to pay back another £6857.13 even though I was settling my loan 15 months early.

 

 

In total I paid them loan sharks £10338.92 for a £5k loan and only had it 8 months,

that's £5338.92 profit in their back pocket.

 

They target the venerable and nearly all the way through my loan except at the end

they constantly emailed me offering further advances.

 

 

I have an open case with the financial ombudsman,

I have also contacted the FCA, watchdog and my local MP.

 

 

I won’t let these sharks get away with what they have done to me

 

I tried to post this on Trustpilot and guess what Varooma did

"Varooma reported this review 16 hours ago for the following reason(s):

 

 

  • The review contains sensitive information"

Edited by hackett1987

Share this post


Link to post
Share on other sites

Send the company a DSAR - it will cost you £10.00 and they have 40 calendar days in which to respond - the information you receive should identify any calls / sms messages were sent.

 

You can then calculate if their charges are incorrect.


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

Share this post


Link to post
Share on other sites

good luck I hope you take them to the cleaners

Share this post


Link to post
Share on other sites

Just a question here did you have written permission to sell the car?

The reason for asking was if the car was subject to collateral for a loan it's not your property to sell. It belongs to the loan Company. ...

 

Also if they found out and there were outstanding issues they could still repo it. Just a thought here. .


If I have been of any help, please click on my star and leave a note to let me know, thank you.

Share this post


Link to post
Share on other sites

I think you have a good case here

 

 

do it properly and you might even get the money for the car back too.

 

 

sar a must

have you the Bill Of Sale too?


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Hi All

 

 

The BOS was ok, they actually registered it 4 weeks after, but applied for an extension from the court, which was granted.

 

 

I did have written permission from them to sell the car.

 

 

I just can see how charging over £3k in charges is legal.

 

 

I wrote directly to the 2 directors of the company and never even got a response, but hopefully when the Ombudsman contact them, they will reply.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...