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    • Mine does have a date on top right - 18th March. 
    • Hi there , Received a letter from gobal arrow 2nd of may stating they handed my debt to shoosmiths solicitors for collection. The account was opened 2005 with mbna and defaulted i think 2008 when made unemployed  Balance £2200.I payed a few token payments for a while to various DCAs but hen stopped 2012/13 trying to track for sure.with bank .They sent a second letter 22may with 7 day countdown saying there going legal if arrangement not made.If checked my credit file and theres no defaults present or dates so its dropped off but i don t know when. My credit file has been excellent for the last 5 years with every payment to date now afraid of a reset.Any advice as i am unsure how to approach this .Thanks 
    • The company is gone,so like a deceased person who has capacity for OOT?
    • Could an out of time statement create a liability?   Surely at the moment they are pursuing the OP as director of the now dissolved company and they can only go after company assets. if the company is gone, the OP isn’t a director: so in what capacity do they plan to make an OOT statement? They aren’t a director anymore.   Would it be better to not make the OOT, and say “the company has gone, there are no assets remaining to enforce against, and any personal assets I have aren’t subject to any warrant of control you may have for company assets”
    • I hope you won't think I'm being too tough if I say that you've been here since 2012 and so you must know your rights under the Consumer Rights Act which are that if a fault manifests itself within the first 30 days then you are in principle entitled to a refund or a replacement. You would also be aware that you have to assert this right so I'm pleased to say that you will already have made sure that the shop has evidence that you did come to them on day 29 and tried to assert your right. On that basis it is simply a question of pushing the issue and if necessary taking legal action to enforce the right. Also, you've been here since 2012 so I'm not too sure why you haven't told us who the dealer is – maybe you would do that now. Also, should be aware that the responsibility/liability lies with the dealer and has nothing to do with the manufacturer regardless of what any document says. Are we on the same page here? By the way, I have no idea why you should be concerning yourself with GDPR. This is an extremely minor issue and I would have thought that you would be concerned with getting your telephone sorted out.
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies

Replacement vehicle rights during rejection 30 day period or costs covered? 40th brithday pressie

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Needing some advice and guidance, will keep this to the point and hopefully someone can help,


It was a 40th treat for myself which makes it even worse for me.


Viewed a vehicle on 04/11/18, at a Lookers dealer in Carlisle, 70+ miles from our home address, Paid full screen price, £12,500, paid £8000 on debit card and £4500 on finance, asked for a few cosmetic repair's to carried out as well as serviced, mot'd and fully valeted.


Got train back to dealer on 17/11/18 with wife and kids to collect vehicle, only thing was it hadn't been cleaned at all well apart from that happy with vehicle and service received.


Drove home, on returning home (82miles covered) not even 3 hours into ownership the vehicle has smoking badly from under the vehicle, the transfer box on the transmission had been leaking all over the exhaust and underside of vehicle causing the burning smell and smoke when arriving home.


So at this time on a Saturday night the dealership was closed so emailed the salesman. The workshop manager contacted us Monday to arrange vehicle collection as they wanted the option to repair the vehicle at the purchasing dealership (which turned into a joke), the vehicle was collected on a trailer (20/11/18) and took back to Carlisle. The oil leak was rectified and the vehicle returned to my place of work on 23/11/18.


I took delivery of the vehicle as the leak seemed to be rectified, when I left for work I tested the 4wd system which displayed a fault, contacted the general manager as it had been passed to him to deal with and verbally agreed he knew the 4wd was working prior to repair as he drove the vehicle when it was traded in, as I also knew it was working as I tested it before purchase.


He contacted me to let me know he had booked it into the Lookers Ford dealer nearer to my home, great, dropped it Monday 26/11/18 to be inspected Tuesday, this didn't happen, the inspection took place on Wednesday, they condemned the transfer box, the General manager from Carlisle contacted me to state a new one would be fitted and he had authorised the repairs.


Collect the vehicle 03/12/18 far dirtier than when I dropped it off :-x and to discover a second-hand unit had been fitted not new, which has now shown a fault 1 day after the replacement transfer box.


I'm at the end of my tether. Now this is where my problem starts...…. and for my post needing help!! (sorry for the long post)


I don't think for one second they will challenge my rejection as he has already made this a evident to me over the phone. We have been more than reasonable and in turn they have been fine with us.


But.. Its a 63 reg vehicle and only had 44K miles recorded and had a very high spec. if I'm just to simply take my money back and finance cancelled there is not another vehicle on the market to replace this one for the same value, some are £2000 plus more, I may be being stupid but I don't see why I should now be without a vehicle because of Lookers incompetence or having to be another £2k plus deeper into a vehicle. Not including all the cost to collect the vehicle etc.


Is there any advice on how to progress with this? I want the vehicle that was described to me at initial purchase, however I have lost all faith in the one I have.

Are they obliged to find me one either from group stock or from an alternative source? and if they are and it is at a higher price - do I have any rights with them to ask them to price match for the one I bought? I don't see why I should be out of pocket and back to square one, after viewing a few vehicles before purchasing this one.



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I think you are absolutely right. You should be able to claim for a vehicle of equivalent value or else a refund of the value of the vehicle rather than the price.


We are talking here about fairly esoteric contractual principles – but I don't see why they shouldn't be enforceable.


However, we are talking outside the Consumer Rights Act.


Contract law doesn't protect people from making a bad bargain. This means that if the dealer sells you a £10,000 vehicle for only £5000 – and it fundamentally doesn't work, then you should be able to recover the value of the vehicle rather than the price you paid.


You can be sure that it will become complicated because the dealer won't understand this and am quite certain that it will lead to a court action.


Your problem here is that even to get a refund of the price, you are looking at claiming £12,500. You haven't told us what you think the value of the vehicle is – but on the basis that you seem to be suggesting that it is far more than your purchase price, it seems to me that you may be claiming £15,000 or more.


This takes you outside the small claims limit and this means that if you happen to lose, you will be liable for the other side's costs – as well as your own.


I think that this is something that you need to factor in when making your decision about what you want to do about the problem.


Furthermore, if you decide that you want to pursue the dealer for the value rather than the price, then I can fully expect that you will end up in a conflict which could last anything from six months to a year. On the other hand, you seem to be confident that they are prepared to refund you the price and in that case you may will find that the whole thing is over in a couple weeks and you will have your money to go and spend elsewhere.


Tell us what you want to do and we will help you. It's very lucky then that you have been here since 2012 and you have read our customer services guide and you have implemented the advice there. Well done


By the way, are the dealers - Lookers?

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Thank you for your swift reply. I wanted to be armed with the best information prior to contacting the general manager again and you have been a great help so thank you.

Not wanting to over complicate matters if I was to return the vehicle, cancel the finance and receive a refund then submit a request for the balance of the £12500 purchase price and the circa £15,000 for a like for like replacement how would I stand?

Or does it all need to be dealt with as one issue?

I feel I am willing to take the long view on this as we have been more than accommodating and understanding, as I have a motor trade background, throughout the whole process.

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Your red line should be that you recover all the money you have spent including any associated costs and interest. This puts you back into the position you would have been in if you had not entered into the contract.


The maximum that you can go for, as I have already explained, is the value of the vehicle plus associated losses so that you would be placed in the position that you would have been in if the contract had been executed correctly.


This does not have to be dealt with as one issue, so long as you don't put yourself in a position where it can be said that you have accepted some kind of payment or refund or replacement in settlement of the entire matter.


I suppose that if you manage to recover your outlay and then you wanted to proceed for the difference between your outlay and the value of the vehicle, this would have the advantage of bringing your claim well within the small claims limit if you decided to go to court.


Don't expect to make any friends

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I expect like BF says, you would have to take them to court and sue them for the difference between £12,500 and £15,000. I dont imagine proving the vehicle is/was worth £15,000 will be easy. Cars are worth what someone is willing to pay for them.


I imagine what you may be better off doing is suggesting as a compensation for your inconvenience, that Lookers put you in a like for like vehicle at their cost.

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Thank you, we are penning an email to the general manager now to see what his proposal is now that the vehicle has developed another fault on the drive home!

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always better to write than email, gives you apapertrail

for extra impact send it signed for

shows you mean business



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Hi, sorry I forgot to reply to bank fodder, yes the dealer in question is Lookers in Carlisle its the multi franchise site, Nissan Renault and Dacia I believe, not the VW on the same estate. Thanks for all the advice and points up to now you have been great as per!!:-) Lets see what today brings. Thanks again.

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This is shamefully bad advice, you cannot buy a product from a retailer and then demand more back because you think it’s worth more.


Where is the balanced sensible advice here ?

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Great news, replacement vehicle should be with me early next week. The general manager has been absolutely great. Makes a change for good to have come from a bad situation.

Thanks again for all your help. 👍🏻

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