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    • pdf's merged and properly named. thread title updated. word fine replaced by charge in post one....they are not fines mere speculative invoices. just type no need to keep hitting quote.   dx  
    • Nice work dx, much what I thought and glad to have it confirmed by the expert. Radio silence remains my game plan, I have been resident in Scotland since birth and although I had moved a couple of years prior to defaulting, all addresses were updated and I am confident all begging letters are coming to my current home address. I appreciate the info that they probably wouldn't get a claim in by Aug anyway - I think I'll hunt out my big box of badness in the next few days just to see if I can find any default notice letters so I can pin down some dates to satisfy my semi-OCD. Much obliged, and unlike some others i will look to update in the future as I certainly intend to send them the SB letter as I like to pull the chains of these types of cretins! Of course i'll be back to confirm the correct procedure if I get any "proper" legal letters other than the usual Overdales toilet paper type of scare tactic.  
    • statute barring in Scotland is 5yrs from last payment/use date or date of default Notice + 14 days, whichever is the later. dont confuse that with the 6yrs debts show on credit files (DN's 6th bday regardless to payment or not). they'd never get a claim raised by august in 99% of cases . as long all these debts were taken out whilst resident in scotland and you have not moved since taking them out but failed to inform the original creditor before the debt sale....... then stay radio silent until sb date is reached. then if you wish send our scottish sb letter. just remember unlike E&W in scotland debts are extinguished, dead , gone , parrot. once SB'd dx  
    • Hi all, Love this site and it's no nonsense advice, have dipped in and out of the consumer forums over the years, mostly to assure myself that what I was doing was the right thing when dealing with various businesses (almost 100% success rate, thanks in part to reading and more reading here.). Anyway, the time is almost approaching where I might need to ask for some specific help and I have a couple of queries that I can't see definitively answered. Due to financial mismanagement and severe anxiety issues I stopped paying all unsecured debt in December 2018 (one slipped to the first week in Jan 2019 when the last payment was made having rechecked my bank statement from that period - all my unsecured debt direct debits were cancelled in early Jan 2019). This has left half a dozen debts;  a couple of credit cards, a bank loan, Shop Direct and some Hitachi Finance stuff having been sold on and passing the rounds through the usual suspects, Lowells, Link, PRA Group, others related to them, and then back to them again. I have somehow successfully managed to maintain radio silence and avoided anything more worrying than their begging letters.  I have blocked their phone calls and texts, bumped all emails to the spambox and had a chuckle at their desperate letters.  I've never had anybody at the door.  I have been at the same address since before I defaulted and all correspondence comes to my current home address.  I have NEVER contacted them or admitted any debt. In anticipation of them perhaps ramping up action at the last minute I've had a look at my credit report on Credit Karma (rec'd from this very place) and I see that the default dates on these range from May 2019 to November 2019. Also in preperation I've been reading, reading and reading lots here as advised. Obviously being in Scotland there are a lot fewer posts relating to these matters and it's always quite annoying when OP's do not follow up with any outcome on their cases - how rude! This has also left me a bit confused of when I am able to finally breathe easy (although cancelling all the direct debits in Jan 2019 was the biggest sigh of relief as I knew it was all going to be unmanageable and, well, default one, default all.). I've been reading that defaults should be filed 3-6 months after the missed payment but one of my larger debts was defaulted on 27th August 2019 when the last payment I made was 10th December 2018, meaning the first missed payment was 10th Jan 2019.   My query for now is - when should I infer that these debts are prescribed?  From when the payment was missed, or taking the default date plus 5 years from the credit report? The three I have with the May date are moot anyway as either way they are gone  - some letters from Lowell offering me 90% off to settle is what got me thinking these must have been near SB status, however I have one big 10k+ with a July date and another 10k+ at the end of August I am feeling a bit anxious again, even though I know there is nothing to worry about with the begging letters.  Reading the various forums I am not sure why the OC's didn't take action against me when I read time and again the surprise that other posters haven't already been taken to court for lesser amounts - I'm also surprised I've avoided any action this long as there are plenty in this forum and sub forum who are whisked off to the court by the beggers minions after only a year or so after defaulting.  There are no CCJ/decrees listed on my credit report and I have not received any such judgements against me.  I still just regularly receive the begging emails to the spambox, the blocked phone calls and the letters from the they. I'm also reading that there is no need in Scotland to send an LBC so what should I be looking out for to know that the time has come to engage with CCA requests etc? I'm afraid in a fit I threw a lot of the paperwork out but I have a box of stuff I'm going to go through which may have the original letters from the OC's. Thanks in advance for any advice.  
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Halliwell Jones Mini dealership refusing to refund deposit***Resolved***


Beckybee
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Hello,

 

Sorry for the long wordy post.

 

I recently paid a £500 deposit and signed a new vehicle hire contract for a Mini with Chilli Pack from Halliwell Jones. 3 days later they contacted me via phone to say that Mini had increased the price of the Chilli Pack and it's now roughly £1000 more expensive (this wasn't advertised on the Mini website). The sales rep said that there was nothing that they could do apart from try to find another car that's already been built with the old chilli pack. They managed to find one that had everything I wanted but was more expensive because it had heated seats. After some hesitation I agreed to this car but called back about 20 mins later to say that i was unsure about what to do. I tried to negotiate a better deal but they wouldn't budge and made out that I had already had as much discount as I was going to get etc. and i said that i needed to think about it. By this time they had already bought this car from another dealership. I told them over the phone that i was going to try and get a better deal from another dealer because i wasn't happy with it at all and that evening that's what I did.

 

When I then asked Halliwell Jones for my deposit back they have refused on the grounds that i agreed to order the second car however, according to their terms and conditions the original agreement was cancelled when they could not fulfil it and the second agreement is classed as a distance selling one and because of this I have the right to cancel within 14 days and don't have to give a reason.

 

Am I in the right here? :|

 

Any help you can give will be very much appreciated.

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Yes, I think your logic is impeccable.

 

I think you should put it in writing to them in exactly that way and see what they say.

 

Also, if you have any further dealings with them on the telephone, implement the advice in our customer services guide first.

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http://www.which.co.uk/consumer-rights/regulation/consumer-contracts-regulations

 

In fact you will see that there are a number of formalities which must be satisfied for a distance contract – and you will probably find that these did not happen

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Thanks for your response. :)

 

I have written to them on numerous occasions and their sales director has basically told me to go away and that he isn't honouring the refund because 'I have just changed my mind' (in his words).

 

I just wanted to ensure that I was definitely in the right before sending a 'Letter Before Action'.

 

Thanks for the consumer rights link, they definitely didn't inform me of my right to cancel or of anything else apart from the details of the car.

 

I think what they are trying to do is to insinuate that the second car is covered by the original agreement.

 

I am so glad i stumbled upon this forum. Thanks for your help.

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Only send a letter before action if you are going to go ahead and carry out your threat.

 

I'm quite sure that you will have to.

 

Write a clear letter detailing in a succinct and bullet pointed form exactly what has happened, why you want the refund and what law you are basing your claim on.

 

Tell them that if they don't respond to with the refund in full within 14 days that you will sue them in the County Court and without further notice.

 

At the expiry of 14 days – sue them.

 

If you're not prepared to do this step then don't bother to write to them. Don't bluff, you will only lose credibility.

 

I rate your chances of success are better than 95%. Frankly they would be stupid if they didn't put their hands up once they receive the court papers – but they will then be required to pay the court fee as well + the 8% interest that you should add to the total that you are claiming.

 

Use the 14 days to prepare your case, open up an account on MoneyClaim and draft your claim there. You don't need any particular form of words.

 

 

  1. The claimant agreed to buy a car from the defendant on XXX date
  2. the claimant placed a deposit on the car of £500
  3. the agreement was entered into over the telephone and therefore is subject to the distance selling regulations in place at that time under the Consumer Contracts Regulations 2014
  4. The claimant withdrew from the contract XX days later
  5. the defendant has refused to accept the cancellation of the contract and refuses to return the deposit
  6. the claimant seeks the refund of £XXX + interest pursuant to section 69 County Courts act 1984

I expect that that is all you need for the moment. Hopefully it will fit in to the word count limit on MoneyClaim.

 

If they don't put their hands up and they file a defence then we can have a closer look and help you to draft a reply to the defence if we think that it is necessary.

 

How far away from you does the dealer live? Because the case would have to be heard in your local court and they will have to make a trip there.

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Thank you once again for your help with this.

 

Just to be clear, the initial agreement was made on their premises. It was only after they had breached the terms of the original agreement that the second agreement was made over the phone.

 

So the list for MoneyClaim would look more like this:

 

The claimant agreed to buy a car from the defendant on XXX date

The claimant placed a deposit on the car of £500

The defendant broke the terms of the contract and was no longer able to provide the agreed vehicle at the agreed price

The claimant agreed, over the telephone, to take a different car for a different price and with different equipment

the agreement was entered into over the telephone and therefore is subject to the distance selling regulations in place at that time under the Consumer Contracts Regulations 2014

The claimant withdrew from the contract XX days later

the defendant has refused to accept the cancellation of the contract and refuses to return the deposit

the claimant seeks the refund of £XXX + interest pursuant to section 69 County Courts act 1984

 

I have drafted the letter before action. Should i be asking them to provide any documents or the recordings of the phone calls that they have?

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On the basis that the initial agreement was cancelled, and there was a new contract made over the telephone for a car which you had not previously seen, then I think that the rules applying to distance selling must apply.

 

At the end of the day, if they decide to defend then they will try to say something like it was all one agreement but which was varied after discussion on the telephone.

 

However, if you didn't see the replacement car then I don't think that there is very much mileage in their argument.

 

Of course it will be for the judge to decide. It sounds pretty amazing behaviour for the Halliwell Jones dealership who generally speaking seem to have a pretty decent reputation. Maybe the manager was having a bad day

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I'd be tempted to have the LBA typed out and ready to go, shove it into the director's hand if they don't play ball. (and then send an additional copy by recorded post...)

My views are my own and are not representative of any organisation. if you've found my post helpful please click on the star below.

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Well, i've since had another Email from Mini group who are unwilling to get involved, despite the fact that I am still buying a Mini (you'd think they would want to look after their paying customers).

 

And I have a meeting booked in with the Sales Director of Halliwell Jones this Thursday so we shall see what they have to say then. I've got the LBA ready and will present it to him when we meet if he still refuses to listen to me.

 

I will update the tread after the meeting :)

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Excellent well done Becky

 

I will amend your thread title to reflect the outcome.

 

Regards

 

Andy

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