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    • They have sent all the paperwork ie ntk up to lbc with an incorrect spelling of my name. Looks like the person I bought the car off spelled incorrectly hence dvla have an incorrect spelling but I never clicked on beforehand. Firstly I will need to find the log book and contact dvla of the correct spelling. What does this mean for me as far as VCS are concerned? 
    • I would certainly not advise you to use the vehicle on a day-to-day basis. The situation would become extremely complicated in the event of an accident or a vehicle theft or something. These risks are even present if you are merely using the vehicle to take to a repairer and so it would not be advisable there either. In the circumstances it might be better to rely simply on the findings that have been made so far by garages and to leave it there. That seems to me to be a reasonable approach. You could invite elite to inspect the vehicle and in fact you should make that very clear in your letter so that you can demonstrate that you have attempted to be open and cooperative in any way. I think it would be helpful if you posted a bullet point chronology of the defects which have now been identified. By the way, is now scheduled to be posted within the next two or three hours and it will include the tweet handle of Elite so that they will now see that this is being discussed on an open forum.
    • Hello BankFodder. Firstly thanks for your help with this. I do appreciate your candid response. Sorry my post was so long-winded. I am working on a 1050 character precis for the claim form! I only uploaded 2 pdfs in the end. One being the email of rejection. I will use this to send a letter and include 'after which I will sue without further notice' text.   Can I keep using the vehicle after issuing the rejection? I don't want drive it to but would need to limp it to a garage to get assessments and quotes. I would have to borrow the money to get it trailered.   I am 100% seeing this through. I cannot lose this much money. I want to get all the paperwork ready immediately so it can be issued on day 15. I will post the particulars of claim here for checking. Thanks again.
    • I've just seen your new post. A letter before action is the same as a letter of claim. You don't need a template. You simply need to inform the garage that the vehicle you bought has developed X defect, Y defect, Z defect. He has already been informed of them and given an opportunity to repair and he has either refused the chance to repair or else he has attempted the repair and it has failed – whichever is the case and so under the consumer rights act you are asserting your right to reject the vehicle and you want him to make the appropriate arrangements to collect the vehicle and to refund you the purchase price – plus any associated losses – and if he does not do so within 14 days then you will sue him in the County Court and without any further notice. Don't make this threat if you're not serious about going ahead with it. On day 15 issue the papers. In the intervening 14 days register with money claim and start preparing your particulars of claim. You can post them here if you want us to check them. Whatever you do, on day 15 you send them the good news
    • Well done Shelley. I'll amend your thread title.   HB
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Got Vanquis ROP Repayment Option Plan - REad ME...Peter Crook - Provident CEO Steps Down -

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The FCA is stepping in About Vanquis and ROP

Provident CEO resigns as board warns losses may reach £120m

 

Peter Crook, chief executive of Provident Financial Group, has resigned after a restructure dismantled the sales and collections performance in the lender’s home credit business.

 

A comprehensive change to the operating model for the home credit division, which involved employing full-time customer experience managers instead of self-employed agents, reaped severe disruption through operations and business performance - and ultimately cost Crook his job.

 

 

ROP FCA investigation

 

Vanquis investigation

Provident added that Vanquis Bank is co-operating with the FCA’s investigation into its repayment option plan, an ancillary product. This option contributes gross revenues, before impairment and costs, of around £70m a year.

 

The FCA indicated that it is investigating the period from 1 April 2014 to 19 April 2016. Vanquis Bank agreed with the FCA to enter into a voluntary requirement to suspend all new sales of the plan in April 2016 and to conduct a customer contact exercise, which has now been completed.

 

Vanquis Bank has also agreed with the Prudential Regulation Authority (PRA), pending the outcome of the FCA investigation, not to pay dividends to, or enter into certain transactions outside the normal course of business with, Provident Financial Group without the PRA’s consent.

 

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