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    • I don't think that will stop the solicitors letters or court action as the company driving that seems to be visualStudios.co.uk, not the Photo Studio Group who are supposidly the creditors. I think they are all part of the same web of scam companies. I see other people have had a hard time trying to complain to get their money back, they are mostly ignored and end up taking the company to court themselves. I think I would rather see what AJJB law are going to do next if I reply to their leeter of claim.
    • I still wish we could see exactly what you had claimed. I'd like to get much more detailed account of the conversation between you and the mediator. I'm a bit surprised that Hermes rejected the situation for something of such low value and am sorry to say it may be something to do with the way that you put across your points – or maybe the arguments that you focused on. I think it will be worthwhile understanding as much as possible, what your claim was about and what went wrong so that we can address those matters when it gets to court. Don't forget that there is still a chance that they may settle before the hearing. If it goes to the hearing then we need to make sure that you are as fully equipped as possible to make your arguments to the court in a convincing way so that you come out having established important principles against Hermes. They have a lot to lose
    • I've been reflecting on this and it seems to me that although it is probably in your interests to leave the car with him, you should retain ownership and not relinquish it until the matter is settled. I don't think there is any conflict between rejecting the car contractually on one hand and retaining the ownership until the matter is settled. By retaining ownership, if there happens to be any move to bankruptcy or something, then you can still assert your ownership of the vehicle. If there was any attempt to dispose of the vehicle without settling your refund first then I think you could legitimately report it to the police are stolen. Goods which are stolen remain stolen even if they are sold on. That means that if the car is sold to somebody and it is yours, then it remains yours and you remain stolen and the purchaser of the car would have purchased stolen property and they will then have to address the problem with the seller – and not with you. If you're able to take photographs of the car then I suggest that you do to make sure that it is in good condition – and you if you are able to keep an eye on it at all then you should do and photograph it from time to time. I think it would be also worthwhile sending the garage a letter saying that you are rejecting the vehicle that you are retaining title to it until they have settled the refund and that it is on their forecourt and as such they are responsible for its safekeeping. Send this letter by recorded delivery, of course.
    • ...Just found this https://find-and-update.company-information.service.gov.uk/company/06034544   I can write to their CEO at their registered office. Not sure if I need to send the letter to both, but figure why not.    
    • No, though I did get a call back just this morning (from someone I'd not spoken to before at Crystal) and I now have the name of their CEO and confirmed I can write to him at the address I ordered from. Good idea though. Provisional letter below (names replaced), minor adjustments may be made following the legal advice:-   Dear CEO,   Reference: I am claiming a full refund on the glazing for my recent window order under my short term right to reject under the Consumer Rights Act 2015.   As it has not been possible to resolve this matter amicably, and it is apparent that court action may be necessary, I write in compliance with the Practice Direction on Pre-Action Conduct. I have summarised the facts of the case below:-   On 04/10/20 I sent a signed PDF order across to yyyy yyyy. On the 09/10/20 I received an e-mail from xxxx with an order acknowledgement asking for my address so that she could book the order in. I replied the same day with my address and saying please note my order is not the one you've attached, it's the one I've digitally signed and amended to include additional notes, full glazing specification and details of the thermal frame reinforcement, and I attached another copy of this signed order to my reply. On 19/10/20 I sent an e-mail specifically asking for confirmation the glazing spec would be as per the signed quote, and received a reply from xxxx stating ‘I converted the quote you signed off into an order so, whatever is on the quote paperwork that you signed is exactly what has been ordered.’ On 05/11/20 I took delivery of the windows at my home address, and shortly thereafter queried the glazing specification as it did not seem to tally with what I ordered. I received an e-mail from aaaa (head of customer services) on 10/11/20 confirming that yes they had unfortunately ordered the incorrect glass for me. A later e-mail dated 12/11/20 forwarded by aaaa to myself from bbbb bbbb (senior estimator) at Custom Glass, gave full details of the glazing specification sent and that actually requested. I received glazing using ‘Thermaglas’ with the unit having a U value of 0.682 vs what was actually requested, ‘Therma One’ with a U value of 0.590 (better insulation performance). Repeated requests for a refund on the glazing only have been met with refusal citing your terms and conditions and stating you will only reorder the glass. I would point out that this variation of specification was not by prior agreement, and hence I am not bound to pay for it under your own terms and conditions (2.3 No variation to the Contract shall be binding unless agreed in writing by authorised representatives of the parties). Additionally as the item has not been made to my specifications clause 3.5 is negated (3.5 Cancellation - All Crystal products are ‘made to measure’ This means that where goods have been manufactured ‘made to measure’ due a customer’s specifications, they will become non-returnable and non-refundable.’ Furthermore, term 3.5 is not even included in the terms and conditions listed on my invoice number 345198, it is only on the website, and hence I cannot be bound by it anyway.   Due to the difference in specification the sealed units are not fit for purpose and are not as described.   From you I am claiming a full refund of £1190.93 under my short term right to reject under the Consumer Rights Act 2015.   I have calculated this sum based on the total amount paid for the Windows (£1813.14) less the total cost of the frames (£622.21).   Listed below are the documents on which I intend to rely in my claim against you: * 4-14-4-14-4 Thermaglas One.pdf * 4-14-4-14-4 Thermaglas * Signed crystal quote 041020.pdf * Copies of relevant e-mails, for dates see the above summary * Invoice number 345198   I can confirm that I would be agreeable to mediation and would consider any other system of Alternative Dispute Resolution (ADR) in order to avoid the need for this matter to be resolved by the courts.  I would invite you to put forward any proposals in this regard.    In closing, I would draw your attention to paragraphs 15 and 16 of the Practice Direction which gives the courts the power to impose sanctions on the parties if they fail to comply with the direction including failing to respond to this letter before claim.  I look forward to hearing from you within the next 14 days.   Should I not receive a response to my letter within this time frame then I anticipate that court action will be commenced with no further reference to you.   Yours faithfully,    me
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Preference Account CREDIT CARD HBOS


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Preference Account HBOS

 

Another account being collected by a debt collection company

 

This account was under taken back in 2008 on condition of a loan application being accepted by HBOS for £12,500

 

Account opened in 2008 and defaulted in early 2010

 

I wrote in March 2010 requesting that due to problems the account be closed and charges/interest be frozen or accruing on the account. ( Have letter from March 2010 )

 

Just located documents/statements from 2010 as follows

 

April to sept 2010 defaults fee's, 5x£12 late fee's 5x£12 over limit fee 1x£12 were added to the account ( will send letter asking for charges to be deducted from balance ) and send letter to collection company to place account on hold for 30 days while awaiting reply from HBOS

 

Interest for 5 months were also added, total £158.23 after request for closing of account see above. CCA will be in post in morning, along with letter of seeking refund of charges as per above

 

Again adding thread so that i can place any reply from CCA request as and when received. Account has low figure left to pay and default passed six years.

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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you cant CCA a bank account

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Am I reading right that your last acknowledgement in writing was March 2010?

 

If so Statute Barred and you can ignore everything except a claim form, check your Credit File as well Noddle & Clearscore are free.

 

Who is the DCA?

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Hi DX100uk.... The preference account is a CREDIT CARD taken out when applied for a Loan from the same company. Hi stigma... I acknowledge the debt every month as repaying monthly at reduced figure arranged by myself some years ago, cheers anyway.

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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so it is

strange name to give a card

 

 

good so CCA applies....

 

 

dx

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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  • 2 weeks later...

Hi

Had written reply from Wescot.

 

 

Just stating that their are not the creditor and just collecting on behalf of HBOS

in these circumstance's we are returning your £1 postal order

and you should contact the client direct.

 

 

your account will be on hold for 21 days to allow you to contact them should you wish to do so.

In the mean time you will have to continue making payments to this account.

 

I have SAR ed HBOS in respect to other accounts,

so really don't need to send CCA to them as all will come from SAR when they send such..

 

 

. Wonder why Wescot didn't send request to them instead of sending £1 postal order back. ??

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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Wescot know full well that they have to pass the CCA request on to HBOS.

 

Because Wescot are collecting on behalf of then they can do diddly squat regardless of a CCA so ignore them.

 

CCA HBOS, I know you have requested an SAR but this is the only document that you are after and if they cannot produce then stop all payments.

 

Once you get the SAR, get reclaiming but do it yourself for free, do not use any Company! Any questions, just ask.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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I have SAR ed HBOS in respect to other accounts,

so really don't need to send CCA to them as all will come from SAR when they send such..

 

 

Lenders are not obliged to send your CCA as part of your SAR. So, if your SAR reply did not include your CCA you would not know whether the did not have a CCA or simply had not enclosed it. As said, a CCA request is the only way to know for sure.

Love your enemies - it drives them crazy.

Thanks to Bobby Thompson (1911-1988) for the user name:"Let them knock, the paint lasts longer than the skin".

nec temere nec timide

 

So far, all done free for friends:

Cabot - F&F reduced debt by £7700 (70%)

NatWest - PPI claim - £1,800

NatWest - PPI claim - £6,200

NatWest - PPI claim - £3,000

Co-op Bank - PPI claim - £5,200

Halifax - PPI claim - £2,800

NatWest - debt identified as statute barred - £1,900

NatWest - debt identified as statute barred - £2,700

NatWest - loan identified as unenforceable - £13,400

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Cheers will CCA hbos about this account shame wescot didn't just pass it along the chain as now have postal order for £1 in wescot's name

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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what does it say about leaving a PO blank on the CCA request link.....

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Yeah I know, just looked at my photo copies, this po just slipped the net, the rest were sent blank slap for that one lol will send it back to them to knock off debt amount as next payment.

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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Please search for previous threads about Preference accounts - they are definitely not enforceable as Bank of Scotland tried to disguise this credit card as a bank account for reasons known only to themselves and so the paperwork is total junk. I am aware of at least 5 cases where enforcement has been dropped as soon as the paperwork was questionned, including one for a very large sum which had got as far as court action.

 

Try this one for starters - http://www.consumeractiongroup.co.uk/forum/showthread.php?112921-BOS-Preference-Account

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Many thanks reallymadwoman will take a look and see what's what, this debt is nearly paid off, and the default goes this month. but will read from the link you have kindly posted.

 

img001.pdf

img002.pdf

 

Gosh finally learnt to up load lol

 

I found this agreement in my box of paper work... thought I would up load.

 

Also have all agreement's from 2008/9

 

First thing I noticed paper work not signed, and monthly income widely bloated by the company, I have never earned such amounts per month. I have over 120 sheets pf paper work relating to this account.

 

Can someone take a look at paragraph 3.1 and inform me what this charge for credit means ?

 

img003.pdf

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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  • 1 month later...

just a up date, heard nothing from company since CCA was sent in. well passed the time scale payments now withheld until reply received

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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  • dx100uk changed the title to Preference Account CREDIT CARD HBOS
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