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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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clarkey747

Clarkey747 v Abbey

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Hi Everyone, i've just joined this account after my cousin won against the halifax. I want to take on the shabbeynational!!

 

 

I have a major question, i settled with my other credit cards a few years ago for 80% of the final amount after getting into a bit of financial trouble. Can i go after any of them for charegs even though we made this agreement?

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Hi there clarkey and welcome to the family:)

 

In answer to your question, it really depends on whether or not you accepted certain 'terms' when you settled?


:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Thanks, What terms are they?

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Well only you would know this !!!:rolleyes:

 

You will have to SAR them and see if they have the agreement (if you signed such )

Although I would argue that you were not aware at that time that the charges were unlawful and if you had of been then would have settled for nothing short of 100%.

Look at it this way.....you have nothing really to lose by trying for the other 20 %


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Thanks, What terms are they?

Erm, let me think...terms like, we'll give you the money if you keep quiet about it and never bother us again. Yep, that sounds about right:o

 

Well only you would know this !!!:rolleyes:

 

You will have to S.A.R - (Subject Access Request) them and see if they have the agreement (if you signed such )

Although I would argue that you were not aware at that time that the charges were unlawful and if you had of been then would have settled for nothing short of 100%.

Look at it this way.....you have nothing really to lose by trying for the other 20 %

Couldn't have put it better, martin;)


:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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It's also worth starting a new thread in Abbey nationals. There fellow comrades who've already dealt with them will be happy to assist you in more detail.

 

Good luck, and Happy New Year!!!


:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Posts moved to Abbey:D


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Sorry i think you have misunderstood, they didn't settle with me for 80% of the charges, i mean that i was in debt they offered to close my accounts if i paid 80% of the total money i owed to them. so i signed an agreement to pay them 80% of the total money i owed them. What i'm wondering is can i claim back any charges that they hit me with before i settled the account with each credit card company.:|

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Does anyone know if i can claim charges back? My cousins father also settled his debts with his credit and loan companys, he used a solicitor who contacted them and told them that this was how much money he had and they would have to accept it rather than paying the full amount he owed and i was wondering would he have a leg to stand on as well as the charges at the time were horrific from the companys before he got the solicitor?

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Hi Clarkey.

 

The answer to that obviously depends on the nature of the charges.If they were penalty related yes.

 

As regards your questions I would certainly think about claiming not only the charges before you settled but the whole lot.

You can base your arguement on the fact that you only signed because you were not aware at that time that the charges were penalty related, and if you had of been then you would not have agreed to pay back this 80%.

Best way to go about this is to go through all your statements and find the charges that were unlawful penalties.Then start the process of claiming the lot back.

  • Haha 1

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Sorry i think you have misunderstood, they didn't settle with me for 80% of the charges, i mean that i was in debt they offered to close my accounts if i paid 80% of the total money i owed to them. so i signed an agreement to pay them 80% of the total money i owed them. What i'm wondering is can i claim back any charges that they hit me with before i settled the account with each credit card company.:|

 

Hi there clarkey and sorry for the misunderstanding.

 

In response to your pm, it looks as though martin3030 has responded to your last two threads sufficiently. Being a moderator I'd be inclined to listen to him above everyone else, especially a meer learner driver like me:)!!!!

 

Does anyone know if i can claim charges back? My cousins father also settled his debts with his credit and loan companys, he used a solicitor who contacted them and told them that this was how much money he had and they would have to accept it rather than paying the full amount he owed and i was wondering would he have a leg to stand on as well as the charges at the time were horrific from the companys before he got the solicitor?

 

If you want my opinion, I'd do as martin has suggested and both you and your cousin should start the process from scratch. Get all your statements and work out how much unlawful charges your banks have charged. Then, if you both feel that it is the right choice for you, hit them where it hurts:D Hopefully, the monies you end up reclaiming in unlawful charging could help to pay off a good part of the money you owe to them. Neither have you have nothing to lose in trying.

 

Hope this helps.

  • Haha 1

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Thanks alot Martin and muggins, this advice is really helpfull. I have now sent away my data protection to the abbey, and also data protection to two other credit card companys. Having read this forum it seems abbey are not playing ball and really stalling people and bullying them more than others!!:mad:

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Thanks alot Martin and muggins, this advice is really helpfull. I have now sent away my data protection to the abbey, and also data protection to two other credit card companys. Having read this forum it seems abbey are not playing ball and really stalling people and bullying them more than others!!:mad:

 

Well done, clarkey (and thanks for the reps:))

This is only the first of many hurdles, but I have a feelin' you'll be okay.

Good luck and keep us posted.


:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Long time no threads clarkey, what's happening?

 

I've just launched my attach on Abbey as I'm at the last stages with Natwest, so I'll be moving on over to your neck of the woods soon.

Haven't heard diddly from you and was wondering whether yu've bottled out or not?


:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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