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    • Thanks for letting us know about this. I'm afraid that this website is mainly bad news about companies so it's very refreshing and very decent for someone to come along and to give praise where praise is due. How about a link to their website?
    • Having a little additional think about this, I think that your interests are best protected in the following way: You inform the seller that you are obtaining the quotes which I have referred to above. Having received the quotes, you then inform them that you are proposing to have the work carried out at XXX garage and that you will expect that the seller will reimburse you for the costs and associated expenses. You can tell them though that you understand that they may want to control the work being done to the car and so you are willing to allow them to do it but as the fault has manifested itself at this point and that it is clear that the problem is their responsibility, if they wish to carry the work out themselves then they will have to organise the collection vehicle and the delivery of it to you once the work is completed. Of course this will be very expensive for them and they will either fail to respond or they will refuse. Whatever their reaction, you would then go on to say that as they have failed to respond/declined the invitation to carry out the repairs themselves, that you are now going to your preferred garage – one of the two quotations which you have supplied – and you will have the vehicle repaired there. You are giving them an opportunity to comment. I think that if you use this approach, then you will be able to demonstrate very clearly that they had a choice and therefore they will be unable to disassociate themselves from the repairs which are eventually carried out at your chosen repairer. Even though this exchange of correspondence may mean that it will take a week or so longer to have your repairs carried out, I think you should do this in order to protect yourself in the best way possible
    • Please name the dealer   I would start off by sending them a letter of rejection seeing as you are within the 30 days. This doesn't mean that you have to reject it but it reserves your position. Secondly, on the basis of what you say, I don't think that you need necessary to find the cheapest place. You should be looking at the best quality that you can find. I think the best thing to do would be to get to competing quotations for the work you propose to have carried out – and not necessarily at the cheapest place, but a couple of proper reputable garages – authorised for that kind of vehicle. Inform the dealer as to what you are doing and providing with copies of the estimates for the work before you put it in hand. Give them five days to object or to make other comments. Make it clear to them that once the work is carried out that you will be looking to them to reimburse you. Of course you are opening a can of worms here because if you get some further problems – more serious – you may find that the dealer is starting to say that because you have carried out your own work so your own repairer on the car, they cannot now say that any defects were inherent in the purchase – and that they may have been introduced by 1/3 party repairer. I'm afraid that you have certainly fallen into a trap of buying a car a long distance away from where you live. We find that people often tend to do that because they think the car they have found is the only one in the world for them. They forget to factor in the difficulties that they will be if there are defects – particularly if the car stopped altogether – the cost of transportation to the dealer, the cost of having to travel up and down the country to collect the car – and of course these difficulties could emerge several times through the initial years of your ownership of the vehicle if you are relying on your statutory rights and expect the dealer to meet those obligations. Furthermore, if you have to bring a court action against them you are now dealing with multijurisdictional claims – suing out of Scotland against the defendant in England and that adds to the complications. It's too late for you to do anything about this – unless you actually decide to reject the vehicle – but at the very least, other people who come across this thread may get some benefit from these comments. I think it's important for you to get the best quality repair you can and to make sure that the dealer is aware of what you are doing so that if later on they try to deny responsibility for further defects, that you will be able to show that they were fully appraised of what you are doing and they will have less room to manoeuvre themselves out of their statutory obligations. I'm afraid that purchasing a car from one dealer and then having it repaired by another service provider, brings into the same kinds of difficulties that somebody who purchases a central heating boiler from one supplier and then has it installed by a different supplier find themselves in. When things go wrong, the seller blames the installer. The installer blames the seller – and you, the customer, are piggy in the middle. Not a good place to be. I notice that you are doing things on the telephone. Big Fail! Read our customer services guide. In your situation you should be extremely careful to make sure that you have got a record of everything and a full paper trail
    • What information do DVLA need for a provisional licence ?   Think the ID issue needs to be looked at a bit more. Surely you have birth certificate, school information, Doctors records. School and Doctors should provide a letter to help with ID.                
    • Amex as with any creditor must help you the FOS should go with you and make them remove all interest charged from the very 1st time of asking for help. the FCA regulations actually almost dictate it, they most certainly clearly state that if the are FCA registered they must help.   it's very telling they have no marked your credit file....almost as if they know they are wrong. it's also telling that an irresponsible lending complaint might well be in order hear too, they can just keep upping the credit limit without checking you can pay. and ofcourse covid plays its part here and they've already admitted as they allowed payments holidays until october in line with the rest of the industry and they should be continuing that. you problem is you keep using the phone, no paperwork no record of things discussed. i'd get an SAR off to them. and get the comms/account log and all the statements from day one and go nail them.
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PPI barclays Joint loan - ex got paid - they cant find my 50% cheque!!


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Greetings, this is my first post and Im hoping that I may find some help

 

Im divorced from my wife and a while back she randomly rang me to ask if I had received a cheque?

 

I managed to find out that she had employed the use of the claimsguys company and they found a PPI on a joint loan we had years ago,

 

her cheque was for just shy of £20k, she had rung them and they confirmed that this was her 50% and not the entire settlement

 

I rang barclays bank that the loan was with and they went through it with me, explaining that yes indeed the had applied and then been awarded 50% of the total claim, there was a 22K policy applied, and the total sum awarded was £39673.80

 

the problem Im now running into with them is that they keep telling me different things, 1 call resulted in me being told that they simply had to issue a cheque for my half and to wait for it, then another call I was told that the case was closed

 

latest news is that her claim was upheld and she awarded 50% of the settlement, but I wouldnt be receiving my half??

 

what do I do to fight this??

 

 

its a serious amount of money, more than I earn in a year and as a now single parent it would change my life

 

many thanks

 

edit to add

 

her claims company have rerally tried to get her to tell me to contact them, but I found out that she lost over £7000 in fees OUCH..

 

if I can sort this without them, I would be far happier

Edited by tonydevon
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They owe you

Just ask for it

Theyve already admitted fault

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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I tried that today. Nightmare on every phone call.

They were supposed to have updated my address during a call on 31st aug.

But they did wrong address so i couldnt get thru security.

Then after ages on phone i argued that i was told they send me a cheque out. And the call was recorded so i could proove it.

 

Oops big mistake. Call terminated as the girl said she didnt want the call recorded.

 

Start again.

 

Latest is that a claims handler will have to reopen and assess the case

 

I will get a letter at some point but theres no time limit or guidance on that...

 

So so helpful

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you don't have to tell anyone you are recording a call.

 

why not send them an sar

get all the facts then you wont be coming up against speculation and guess work

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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Share on other sites

thread title updated

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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Share on other sites

Looking in as suggested by DX...........

 

Your problem here lies mainly with the fact that you are contacting Barclays by phone. It's good that you've recorded some or all of the calls. However, having communication in writing is best.

 

Send a SAR as DX says and, if you know the dates of the tel cons you had with the bank about PPI, specify that you want recordings or transcripts of these calls.

 

Keep all future comm'ns in writing only.

 

:-)

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  • 2 weeks later...

I will be learning and taking your advice to pursue this further

 

now 11 weeks since I contacted them, after multiple calls and them failing to update my address details I finally heard from them

 

my ex wife complaint was upheld and she was paid out her 50% £19k+ cheque as a result of her using the claimsguys

 

but according to the claims handler at Barclays, in their opinion the policy was fine for me and therefore I wont be receiving a payment

 

Im awaiting written confirmation of this, as I have now been told twice on the phone that I would definitely be receiving a cheque, just have to sit and wait....

 

I guess they were never going to make it easy for me LOL

 

will update with any progress in the future, but thanks guys for the advice so far

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What?

 

Only ONE person can be covered by ppi unless jointly signed up to a dual policy..very rare..they are talking rubbish!!

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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its was a joint secured loan that we took out

 

Im waiting for the letter to arrive with the official wording.

 

now know that the PPI policy was only for 5 years, yet it was paid for over the 20 year term of the loan!!

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not the loan the PPI policy

bet its only on [covers] ONE person.

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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Share on other sites
  • 1 month later...

I thought I would come back and update

 

I did call them occasionally and all recorded, more to see what was said and gather more ammunition in my fight with them, getting totally different answers every time

 

I did the SAR as suggested and I also followed the advice about putting things in writing.

 

I wrote quite an in depth letter to the complaints dept explaining how I had been fobbed off and in my opinion just sent away with the answer I wanted to hear, to get rid of me

 

then out of the blue a letter arrives at my parents address

 

a cheque for £19836.90

 

Ive never got to the bank so fast to pay it in.

 

2 days later I had another letter, I was terrified in case they decided they changed their minds and wanted the cheque back LOL

 

was response to my complaint letter and a cheque for £50 result

 

thanks to those that offered advice and help, thanks from what was once a struggling depressed father, then got life back bit better and in temp accomodation, to then being single father raising my daughter..

 

I now can take her away on our first sunshine holiday and move to a proper house as I have deposit and fees etc

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Hi Tony.

 

Thanks for the update and delighted at the refund and the compo payments you received.

 

If you can make a Site Donation, it'll help us be here when we're needed.

 

Thanks :-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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told ya!

 

sounds like it was well needed :wink:

 

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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