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    • So this is alleged fraud, rather than a normal debt situation.   Why have UK authorities not been involved, if the person has lived in the UK ?   Perhaps they have tried and got nowhere, so use these interpol red notices to have them detained in a third party country.    I have read online articles that say these interpol notices are being abused by Banks based in UAE.          
    • So nothing to do with deprivation of capital, but bad choices of how they spend benefit monies.   Sounds like they are on a downward spiral to living on the streets and getting into an even worse situation.
    • 4 th time we've merged your threads  for complete history of your story please keeps to one thread
    • @dx100uk @ anyone else interested in Fighting HSBC UK  Staff/department non compliance and incompetence/interference in between HSBC UK and customers.   I wanted to know what you guys had to say about the reply i got from HSBC UK today.    Recap. I originally turned to HSBC UK to be reunited with Money i saved in accounts that where frozen and made dormant during the year 1995.   HSBC UK Teams tell me that HSBC UK only allows them to have access to account records dated back 6 years. there for they do not have the records, can not locate the records i requested for in my SAR. there for HSBC UK teams Ignored my SAR application for records of accounts made frozen and dormant during the year 1995. HSBC then claim if the accounts where closed they will no longer hold records of these accounts and tell that to the ICO. I again explained to HSBC UK and the ICO the records of accounts where left frozen and dormant.   HSBC UK teams continue to tell me over the phone that The records i requested for in my SAR, will not be located or do not exist because HSBC only allows them to have access to records of accounts dated back 6 years.    I returned to HSBC highlighting there is no such provision in the Data Protection Act.   HSBC UK teams today totally ignored my complaint again and confirmed with me they are classing my complaint as wanting to locate accounts that where closed.   Let me know what you think about the  HSBC UK teams response to my last complaint. Is there any other letters i can send them to confirm thay are not correct about what they have done.    The HSBC UK letter starts of by:You've been unable to recover funds you held in HSBC UK Accounts that were closed in 1994 to 1995, and to obtain the account details for the accounts concerned. You've been advised that we only retain records for up to 6 years, but you've been unable to locate any provision for this within the Data Protection Act (DPA). You require a Certificate of Destruction from HSBC UK to evidence the destruction of the data concerned. You feel your Subject Access Request (SAR) has been ignored by HSBC UK.   HSBC UK Teams now go on to explain: In respect of you being advised we only retain records for up to 6 years, but having been unable to locate any  provision for this within the Data Protection Act (DPA), I can confirm that under the DPA, we are obliged to only keep records for as long as we deem necessary, in order to effectively manage our data. So, for most cases, this will be for no more than 6 years.   In regards to your request for a Certificate of Destruction from HSBC UK to evidence the destruction of the data concerned, I regret that this isn't something that we can provide, as we don't keep records of when individual customer data was destroyed. I'd also like to clarify that if the accounts concerned were closed after becoming dormant, that we would have sent you closing statements at the time.   Lastly, I'm sorry you feel we've ignored your SAR. I want to assure you that we'll always look to accommodate a request for a SAR as best as we can. However, if we're unable to locate the account details and information required, this will mean we're unable to fulfil the request, which has unfortunately been the case on this occasion.   How else do you think i can highlight to HSBC that the teams dealing with My complaint, and request to be reunited with my money is not going to departments that can deal with my demand for services.?  
    • Hi   I have to agree if you have paid off the debt owed to them via this meter and are up to date on your bills  I would look at changing supplier and as said asking new supplier to install a standard meter and look for the best deals for you.
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Alex.c

Second hand car, head gasket broken after 2 weeks

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Hello. My name is Alex, I bought a Skoda Fabia 1.4 mpi on the 12 of september for 600£ from a local car dealer. I checked online and has MOT until aug 2017. He said he won't give me warranty as he only does for cars worth over 1000£ but if I have any problems to just go back to him. Aftet 2 weeks after a 15 min drive it started to over heat. I stopped and checked coolant level, and then took it to the nearest service. They told me it's the thermostat and head gasket and it would cost me over 400£ to fix it. I called the guy who sold me the car and he said he would take it to another shop. The problem is that I believe he should support the cost of the repairs or give me a refund for the car as only 2 weeks have passed since the purchase until it had broken down. What is my next legal step if he does not want to do either?

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Doesn't anybody have any advice? I would like to know at least if I have the right to claim anything from him. Beeing the head gasket that has broken some may argue that I caused the fault.

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You need to be quick as you need to reject the vehicle in writing to the dealer within 30 days from purchase

 

When you buy a second-hand car from a dealer, you have the right under the Consumer Rights Act to expect the car to:

  • be of satisfactory quality (taking into account its age and mileage)
  • meet any description given to you when you were buying it (whether in the advert or in discussions prior to sale)
  • be fit for purpose (for example, to get you from A to B safely)

The warranty excuse is crap as well from the dealer. One to three months warranty is a common period used by traders is not because that is what they have decided is fair but its because they know thats generally what a court would decide is fair

 

 

How did you pay for the car??

Edited by obiter dictum

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I paid 395 by card and 200 in cash. Does it make a difference?

I am thinking that he could say that I damaged the car and he would not want to repair it/refund me.

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Ok, but proof do I take to the bank?

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Sry, what proof do I take to the bank?*

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You can claim the entire amount with a section 75 not just the part paid using the card, so you claim back the £200 as well as the £395.

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dealers think they can fob people off saying no warranty but by law it doesn't matter as you can claim for repairs or cancel the car in 6months

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The invoice I have from the seller says "test driven, checked, teade sale as seen, all future repairs will be done by the buyer". Does this cancel my right to a repair/refund?

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new regulation brought in, go claim back from your bank as post 8


:mad2::-x:jaw::sad:

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Ok, so I called the bank for a charceback (because it's a debit card) and they said I need the receipt wich I have, a report from the service wich they gave me and proof that I returned the car. How do I get that?

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Guest roaringmouse

Trade sale huh? Well, unless YOU are a trade sale, it is not a trade sale is it!

 

As you paid by debit card and not credit card, the bank is not liable unlike a credit card company would be.

 

Letter before action stating you reject the car, then sue for the full refund via County Court.

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Do you know how much that would cost? Just to know if it's worth it

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Guest roaringmouse

Court fee is £35, which is added to the total they have to pay if you win (which you will).

 

If you made ANY repairs (even a light bulb) add those costs on. Ideally you want the claim to be in excess of £600* before court fees. You also charge interest at 8% per annum. The online form is easy but ask here if you get stuck, BUT write to the deal;er first and give them 14 days in which to pay. mark your letter 'letter before action' and send it by signed for service.

 

Keep the letter to the point and say that you are rejecting the vehicle and that you want a full refund within 14 days or you will without further notice issue county court proceedings.

 

Ask here BEFORE doing anything else.

 

*£600 is the amount above which you can transfer to the high court if you win and the dealer does not pay - google 'meet the sherifs' and you will see how effective they are at collecting the payment, especially from car dealers.

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Guest roaringmouse

My mistake, court fee is £60 for that amount, but otherwise as said above.

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Any progress in this Alex ??

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I sent him a faulty goods complaint letter stating that I want a refund. I am waiting for his response.

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Did that 'faulty goods complaint letter' say you were rejecting the car per regulations ?

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It says rejecting in accordance with consumer rights 2015.

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Yes, that's fine. As long as you have used the word rejecting, there can be no confusion.

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I used a template frim citizensadvisor so that word isn't actually in the letter. It says I want a refund

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