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    • Hi all, the company have just called me and offer me £500 to get myself a sat-nav...   So if admin team want to scratch this topic from the record, please feel free...   If not then thank you anyway 😃
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    • Hey everyone, I am hoping I can get some guidance with a car I recently purchased.   I have been looking around for a newer car and thought I would check out those internet car seller folks.   I found a car I liked and the description said it had all the things I wanted, so I paid the deposit, applied for finance, which I got, and opted for a PCP contract, paid my deposit and got my order confirmed. The car was delivered on Monday 1st June. First I must say that overall I am really very happy with the car, it is almost exactly what I wanted, I am delighted with the general condition, the way it drives and would not be too keen on letting it go if I have no need to do so.   So, the first thing, it was just under 700 miles over the quoted mileage, and I know that's not a lot. Still, that's not the point, the number is excessive, considering the place it came from is only about 200 miles from me. I have spoken to them about the mileage. They said it was a clerical error, which I do not believe, they have however agreed to refund me for 400 miles, which I decided to accept as I figured at least they have agreed to pay for just over half of the miles and did not want to be too unreasonable about it.   The second thing, and this is the one that is really the stumbling block. The cars headline said: 'FORD FIESTA HATCHBACK 1.0 EcoBoost 125 Titanium X Navigation 3dr'. Though the full advert is no longer visible, part of it still is, https://www.buyacar.co.uk/ford/fiesta/fiesta-hatchback/1-0-ecoboost-125-titanium-x-navigation-3dr-73955 and this is the car I bought.   So after checking it over upon delivery, and going around it with the delivery chap, all looked fine, and I decided a little drive was in order.   So off I went to put some fuel in, and while at the fuel station figured I would check out the sat-nav and this is where the problem is, there is no sat-nav. I checked the book, there is no slot for the navigation sd card, no button to turn on the nav, aka, no nav, none.   So I emailed them, and the response I got was: 'Thank you for your email, and I am sorry to hear you are not fully happy with your new purchase. This vehicle was not advertised with Sat Nav, so I am unsure where you feel you read the description you have provided?' ... ... 'In regards to the description of the vehicle, I have checked this on the order form, and the finance documents that were both sent to you and signed and the description of the vehicles reads as FORD FIESTA 1.0 TITANIUM X 3d 124 BHP hatchback.'   So I have pointed out the fact that there was not only a headline stating that the car was Navigation version but further, down the page, there was also a mention of it.   I also said to them, despite me signing said documents, I felt no need to recheck it because the wording navigation appeared several times in the advert which was enough for me to accept it was a version with navigation.   I also said, the order form nor the finance documents also make no mention of other stuff either like climate control, automatic folding mirrors, infact they do no mention any features, only that it is a FORD FIESTA 1.0 TITANIUM X 3d 124 BHP hatchback, so I have refused to accept this as an excuse and an attempt to lay the blame for this mistake at my feet. I honestly thought I was purchasing a car with sat-nav, based on the information provided by them.   I am awaiting a call from them but they have so far today failed to get in touch so figure I would use this waiting time to ask some of the more experienced members about their thoughts on where I stand with this.   Am I in a position for example to ask that they fit sat-nav? If they ask for the car back and put me in a position with no car again how does this work out? Am I flogging a dead horse?   Any advice please would be very much appreciate.   Thanks all.
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thankcrunchie

Me v Abbey

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Hi all,

 

Brand new to the forum and gearing up to take on Abbey for years of putting up with harsh charges. The final straw came when I was charged £90 in total for going a total of £7 into the red - i've had enough! :evil:

 

Is there anyone out there who has made a successful claim against Abbey in Scotland? I know the law is slightly different up here and we can only claim back for five years, rather than six.

 

Does anyone know if the Scottish legal system makes it easier/harder to beat the banks?

 

Am about to send a DPA letter requesting details of my past [unfair] charges!

 

All help gratefully received!!

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Hi and Welcome thankcrunchie, you need to go and take a look in the Scotland forum, just click the link that i have posted, good luck

 

http://www.consumeractiongroup.co.uk/forum/scotland/


Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Hi thankcrunchie and goodluck, the scottish legal system is just the same in the success stakes in claiming back charges, i know in Scotland we can claim back 5 years but i had offer from halifax for 6 years so dont ask for statements for last 5 years ask for ALL banking history and then ask for 6 years, dont ask dont get.

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S'me again!

 

Thanks for all the kind words of encouragement!

 

I've drafted my first DPA request to Abbey (bring it on!) and was just wondering if anyone out there knows the best address to send it to?

 

I found the address for Abbey's data protection team in Milton Keynes on here - Should it go there? Or just to the general customer service address?

 

Help?! :|

 

TCxx

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I would have though the data protection team would be best but I'm only new to this myself. It would seem the most direct route as the request would probably just end up there anyway. I sent mine to my own branch and had a reply a couple weeks later, from now though I think I will deal with the relevant dept. Apparently you should always post special delivery too, its more expensive but is the only way to prove delivery of the letter/item.

 

Edd


Edd V Abbey

13/12/06 SAR sent

29/12/06 First 14 months statements received.

12/01/07 Microfiche received, charges of £1605 plus contractual interest at 28.7% gives total £2562.90.

15/01/07 LBA requesting £2562.90 sent.

 

Edd V Egg CC

19/01/07 SAR sent

 

Edd V Lloyds TSB CC

19/01/07 SAR sent

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Thanks!! I'm all set to post it to the data protection robots first thing in the morning!

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Hey all,

 

Progress update. Added up charges as far back as Jan 2002 and the (SH)Abbey owe me a grand total of £635, plus £96.69 in interest. So am claiming £731.69 in total.

 

Fired off the preliminary letter 2 weeks ago and haven't even had so much as an acknowledgement. Is it normal for Abbey just to ignore their customers?

 

Anyhoo, have now prepared the LBA so getting set to post that off too, special delivery so they can't claim they never got it.

 

Am going to send two copies, one to Business Manager Pam Speed and another to Banking Manager Anthony Turbitt. Has anyone had any dealings with either of this pair?

 

 

TCxx :)

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Quick question: If this goes to court, as I'm assuming it will, i'll be taking action against Abbey through the Scottish court system.

 

Has anyone had success against Abbey through the Scottish courts?

 

I tried to look in the Scotland section of the forum;

http://www.consumeractiongroup.co.uk/scotland/

 

 

But it's "Page Not Found" - Where'd it go???

 

 

TCxx

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My deadline for Abbey to respond to my prelim letter runs out on Monday...... LBA all ready in envelope to be posted.

 

Tick, tock.. tick, tock.. tick, tock..

 

:-D

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Hiya remember at the prelim or the LBA stage you dont add on the interest, this gets added when you file at court, though maybe you have asked for it in your prelim if you havent ignore me:D

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Latest update.... (sh)Abbey have written to me offering me a total of £220 as a "goodwill gesture", along with a reminder of their terms and conditions and a badly written justification of their charging scheme.

 

I particularly liked the line "You have requested a breakdown of how our charges are apportioned. Unfortunately, I am unable to provide you with the specific information you have requested."

 

It's nowhere near the £700+ I'm owed... any ideas what I should do now?

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yes, write to them accepting as part settlement only, when you are certain that it has hit your account, take it off the bottom of your schedule of charges and send an LBA and proceed to court, I would advise the N1 route as some courts do not like the stylised Particulars of Claim


Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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