Jump to content


  • Tweets

  • Posts

    • I found it cheers Dave!!   I think focusing on lack of compliance with legislation should be the one, seeing as we just lost the case to them by not complying, it will be worth pointing it out. I also want to poi t out their m.o. Which is less than honourable to say the least. Hopefully the judge will side with the little old lady and not the peoppe who use deceit to line their pockets!!   She said she is happy to speak up but is kindly asking for assistance in the form of a bullet pointed printed paper for her to take in so she can read out her points and leave it at that (without rambling).    Straight and to the point!!    Daves post #66 is legendary 🙌    Thanks for the help guys 😊    Let's kick some ass    
    • I differ from my site team colleague slightly in the the six-month rule applies if you have asserted your rights within the six months. My understanding is that you haven't asserted your rights during that time. In other words you haven't informed them that you are giving them a single opportunity to repair and if they decline or if the repair fails then you are rejecting the car for a refund. Please correct me if I'm wrong. On that basis, you are covered by the consumer rights act but not in terms of the right to reject. You are covered under the consumer rights act in that you are entitled to purchase a vehicle which is of satisfactory quality and remains that way for a reasonable period of time. You don't have to prove that the fault existed at the time of sale – although that's what they will try to tell you and even the motoring ombudsman will try to tell you that. But the motoring ombudsman is an industry led organisation which pretends to be an ombudsman but in fact favours the industry and its advice is wrong and even deceptive. I think you should start off by writing both to the finance company and also to the dealership. Describe the fault to them. Send them the evidence you have that the windscreen was incorrectly fitted and the damage which has been caused as a result. Send in the quotation for the work and require them to respond within seven days and that they must agree that the work will be carried out by a competent professional an authorised repairer. Not one of their cheapskate once. Also, you will want them to agree to provide you with a courtesy car. Also have you incurred any expenses associated with this? Travel, car hire, cost of inspections –?? Have you told us the name of the finance company? My site team colleague is correct that if they cause any trouble then you should see them as co-defendants. You can be certain that they will put their hands up. It will go to court. You would sue them for the cost of the work. You would recover your costs of the installation plus your court costs. I don't think you will be able to sue for the rejection of the vehicle on the basis of what you tell us in terms of having not asserted your rights. However you will be able to recover the cost of all the works – making good everything so that the car is in the condition that it would have been in had the replacement windscreen been properly fitted. I wonder who fitted the replacement windscreen? I think I would be out to sue them as well. Post the draft of your letter to the dealership and also to the finance company here so that we can have a look before you send it off. Incidentally to answer your question about what should you do immediately,  I would suggest that you send the letter tomorrow. Wait until the end of the week. If they don't respond or if they respond negatively, then write to them immediately and tell them that you are not prepared to do without the vehicle. As they have failed to respond to your putting work in hand and you will be approaching them for the costs of all the repairs and if they cause you any difficulty in you will simply sue them. A bill of about £4000 is easy. It puts you within the small claims track so there is no risk of costs even if you lose – which is most unlikely on the basis of what you say
    • Thanks I have been reading quite a few this one got me as it did say they have instructed them to take legal action but thanks again your a legend 
    • Yes we will be emailing them. We have kept a log of all conversations with everyone involved and backed up conversations with emails 👍
    • 'they' dont send court letters. only a sheriffs court can do that if the debt OWNER is brave enough to request they raise a court claim......... unlike E&W the scottish legal system is far more geared toward empowering the consumer and always put claimants to strict 1000% proof they are the legal owner of a debt, are legally due payment and hold the all the correct enforceable paperwork. just read a few Nolan SPC threads... dx  
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Let's Make Cap1 Uncomfortable


blackrain
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6331 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Guest Battleaxe

Poza78, if you do an SAR, don't just ask for statements, ask for all documentation and telephone logs, this makes very interesting reading and helps you prepare your claim. This is how I established the exact dates for the Section 85.

Link to post
Share on other sites

  • Replies 112
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Battleaxe, I like that idea about going to the OFT en masse. If jdene is right that they could already have a load of complaints then we could add significant fuel to the fire as it were.

 

It's just trying to organise enough people to do it and all on the same day. Any suggestions on how we rally everyone? I know there are people like elizabeth and smoothy who are definitely up for it.

Link to post
Share on other sites

What if we all post under the same reference ?

Use account number as cap 1 ref and say... CAG 48377 (which is thread number) as our reference? And pointing out that this complaint is part of a mass complaint by CAG members?

-------------------------------------------------------------------------

Read throught the

FAQ's and when your ready, start a thread in your banks forum to keep us all updated!

If the information I have provided is useful, please click the scales!

Link to post
Share on other sites

Guest Battleaxe

Smoothy my lad, that is excellent. I think to allow for the vagaries of the postal system we should allow a certain week as the time frame, say 3 February to 10 February to post the letters. We make sure we all use the same postal address for the letters, so they don't get scattered throughout the office or building, or wherever their desks are located.

 

Blackrain what is the address you have for them?

 

I am planning to photocopy everything I have from them and my replies to them, with a covering letter. I think I will besending a parcel. LOL.. I want my complaint to make an impact.

Link to post
Share on other sites

Then shall we come up with a cover note that can be posted here and everyone can use, then download/print/fill in complaint form and send both in that period?

-------------------------------------------------------------------------

Read throught the

FAQ's and when your ready, start a thread in your banks forum to keep us all updated!

If the information I have provided is useful, please click the scales!

Link to post
Share on other sites

I haven't got an address for the OFT as I didn't think we could use them before jdene posted here. Jdene do you have an address? Possibly to the same person/department that is dealing with your Capital 1 complaint...

 

I have all my letters from Cap1 and my responses so I can post them. First 10 days in February sounds good. I am limited to my internet access at moment but I will try to PM people in case they have stopped following the thread.

Link to post
Share on other sites

Blackrain,

 

Is this what you had in mind? Waiting to hear your thoughts.

 

Hmmmmmmmmmm:rolleyes: :rolleyes: :rolleyes: :rolleyes:

-------------------------------------------------------------------------

Read throught the

FAQ's and when your ready, start a thread in your banks forum to keep us all updated!

If the information I have provided is useful, please click the scales!

Link to post
Share on other sites

Yeah i am up for this i had a default from them plus £1500 in charges, interest this was from a card i had a £200 limit on im so glad we can now do something over these blatant rip off charges from banks i urge everyone to take them all the way. Just turning down thier pathetic so called goodwill offer of £370,so anything i can do to get these lot back i will be there 100%, it will be a good idea for a template letter to be drawn up for us all to use.

Link to post
Share on other sites

Spider, where abouts are you in your claim process?

I also had a measely £200 card from cap one and mounted up similar charges. Surely this will look even better in court if they can see that we only ever borrowed £200 and it ended up costing more than a 5k loan!

Link to post
Share on other sites

Hi guys, if there is gonna be a template letter made up, i for one will be filling it in and sending it off, cap one passed my details ontp Debitas, who called me repeatedly, i asked them to stop calling but they didn't, i reported them to OFT and my local trading standards, who were, in turn, gonna report them to trading standards in Nottingham,(home of Debitas) i have since called my local trading standards to let them know that as my partner is on night shift and being woken by these calls, i have had to change my number, a bit of a hassle for me, but would loved to have seen the look on the face of the Debitas guy when he couldnt' get thro' to me...lol. not the ideal way to deal with the situation, but it was my only choice

Link to post
Share on other sites

Lynne,

 

As well as changing your number you could consider getting your own 0870 (10p per min) number. You can get these free or for about £10 off the net. They link to your existing phone number and you get a portion of the revenue.

 

You then hook it up to a nice long recorded message and pass the number to all the financial institutions .................................

 

:D:D:D

There is no such thing as impossible; only the degree of difficulty required to achieve the desired outcome.

Read through the

FAQ Section.... Use these links :grin:

 

Like what I say show - add to my reputation (click the scales!)

My advice & opinions are offered informally, without prejudice & without liability. Please use your own judgment.

Halicrap - Full settlement 12/06 £408.34

Crapitol 1 - Settled in Full 27/04/07 £15808-)

All & Pester - Claim served £5695 4/09, Stayed

Woolsnitch mortgage accounts - Claim served £2995 4/09, application to strike out 06/09

Lloybles - No CCA, CPR disclosure notices served.

Link to post
Share on other sites

Dear all,

 

If it helps here is a letter I sent by fax to the OFT with the address re: Halifax

 

Regulatory Section

Consumer Credit Licensing

Room 1C/5

Office of Fair Trading

Fleetbank House

2-6 Salisbury Square

London

EC4Y 8JX

Fax 0207 211 8429

 

I wish to inform you that I do not consider Halifax plc to be a “fit and proper person”, therefore this organisation should not hold a consumer credit licence.

Since June 2006 I have requested Halifax plc repay excessive and unlawful bank charges, which they had taken from my account. They refused to do so, stating that the charges were a true reflection of there costs incurred regarding my administering of my account. The charges were for the sending of a computer generated letter notifying me of an overdraft or a refused direct debit. The charges levied were £39.00 on each occasion. By way of the service of a subject access request I discovered that no manual intervention took place on my account.

It is apparent that Halifax plc are purporting that the charges levied on its customer accounts are lawful and a true reflection of the costs incurred. This is not the case, Halifax plc are merely profiteering at its customers expense. The charges levied are far in excess of any cost incurred by them; a fact that they are well aware of. Despite much press coverage and numerous claims against them, Halifax plc continue to levy such charges.

I would contend that the actions of Halifax plc are tantamount to a criminal deception.

I ask that you investigate this matter and consider revoking the consumer credit licence of this dishonest organisation.

Yours faithfully,

 

 

 

Have fun ................ :D:D:D:D:D

There is no such thing as impossible; only the degree of difficulty required to achieve the desired outcome.

Read through the

FAQ Section.... Use these links :grin:

 

Like what I say show - add to my reputation (click the scales!)

My advice & opinions are offered informally, without prejudice & without liability. Please use your own judgment.

Halicrap - Full settlement 12/06 £408.34

Crapitol 1 - Settled in Full 27/04/07 £15808-)

All & Pester - Claim served £5695 4/09, Stayed

Woolsnitch mortgage accounts - Claim served £2995 4/09, application to strike out 06/09

Lloybles - No CCA, CPR disclosure notices served.

Link to post
Share on other sites

Thanks for the appreciation. You may be interested in other angles, ie the application of The Fraud Act 2006 see thread http://www.consumeractiongroup.co.uk/forum/general/47827-fraud-act-2006-time.html

 

You may find this an interesting twist :D:D:D:D:D

There is no such thing as impossible; only the degree of difficulty required to achieve the desired outcome.

Read through the

FAQ Section.... Use these links :grin:

 

Like what I say show - add to my reputation (click the scales!)

My advice & opinions are offered informally, without prejudice & without liability. Please use your own judgment.

Halicrap - Full settlement 12/06 £408.34

Crapitol 1 - Settled in Full 27/04/07 £15808-)

All & Pester - Claim served £5695 4/09, Stayed

Woolsnitch mortgage accounts - Claim served £2995 4/09, application to strike out 06/09

Lloybles - No CCA, CPR disclosure notices served.

Link to post
Share on other sites

I have just received a letter from Crapitol One.

 

Dear Mr Smoothy

Thank you for your recent enquiry thatll be my cca request then...

I have enclosed details of the terms and conditions for your credit card account.

If you have further enquiries about your account please call customer services on 0800 952 5150

 

Guess what...

The T&C's Mark Hawkins (no relation to Steven then...) sent me are their latest ones and not the ones in force when I signed. Now as I understand it, for fixed credit under CCA they must supply the ones in force at time of signing. For running account credit, (as they have that little bit in t&c's about changing them, at will) will the most recent ones be applicable as complying with my cca request?

Answers on a postcard please to......

 

 

 

If they are applicable then im at a complete loss as to why they are persuing me.

I (allegedly) owe £98 on my card. They have applied £100 of charges to my account. Why will they not see sense?!!

I may just phone them to cheer myself up. I need a good laugh!

-------------------------------------------------------------------------

Read throught the

FAQ's and when your ready, start a thread in your banks forum to keep us all updated!

If the information I have provided is useful, please click the scales!

Link to post
Share on other sites

Hi ya Lizzy!

Is that a speach impediment or did you mean to say sucking?!!!! :lol

-------------------------------------------------------------------------

Read throught the

FAQ's and when your ready, start a thread in your banks forum to keep us all updated!

If the information I have provided is useful, please click the scales!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...