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    • 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.
    • Hello CAG, Bit of a long post, may want to get a cuppa before starting reading... 😁   after being a lurker for many years and trying never to get into a mess with credit cards like i did 20 years ago, i've got myself into a mess with Amex... I've tried being open and honest with them, but now getting the feeling they are messing me around.    Its not a chargecard, but a Nectar Credit Card with them. TAKEN out 2016. Balance is just under £15k as of today, was almost at £17k.  Debt still owed by Amex, not been sent to NCO/Arrow etc - YET...    Background (short version): Was all fine with more than min. payment (£500 or so), being made until April 2020 when a number of things reduced my monthly salary from work (mainly, take a pay cut or be made redundant), so I soon quickly realised i needed to tighten my belt quickly. Phoned Amex, advisor said nothing they could do except Payment Holiday. Was put onto that for 3 months, told that Amex will be in touch at the end to restart payments. I asked about interest being stopped/frozen/reduced - not possible. So agreed to payment holiday to give me breathing space. 3 months came and went, no contact from Amex... No payments made, interest still racking up at around £300 a month...    Rang Amex back (July 2020), we cant do anything today because your in the middle of the statement cycle call back next week. Called back week after, no solution yet (i asked about things i seen on Amex US website = Regain program - basically freeze card, lower interest rate and pay a set amount for 12 months - more about this later) > Not available in UK yet.   Want to stay on payment holiday Mister B? I asked if there was any way interest could be stopped as this is making the balance increase and increase. No. Do you want to stay on Payment Holiday? Ok. (Bear in mind, if i came off Payment holiday. Minimum Payment was around £570 per month.  So, stayed on payment holiday... Didnt hear anything from Amex again. Called back up in September 2020. Please call back in October after 10th and we can assist.   Called back after October 10, went through loads of stuff, different options etc, was warned that Payment Holiday might not be extended much longer, but now have a program. Worked out with Amex woman that i could pay around £200 per month. But please stop interest - no we cant but we can reduce this down to 9.9APR instead of 23%... . Amex woman said she needed to submit details to 'Seniors' at Amex, please call back next week for update.   Called back week after, advised that first Amex woman was wrong and had made mistakes, shouldn't have told me what she had told me, £200 is too low, minimum would be £389 per month for 12 months or account will default. Told Amex woman 2 that couldn't afford it, went through this last time, etc etc. Amex woman 2 went off, came back, £329.74 is minimum they can possibly accept, 12 months at that amount per month and interest would be lowered, but not stopped. If you dont take out this 'Program' then account will default and will be passed to NCO or Arrow (I hate them both).  Went off, tried to get loans etc, all refused. Rang Amex back, reluctantly agreed so i can keep credit rating at 'good'.  So, been paying since Nov 2021 @ £329.74.    Letter arrived in December - due to out mess up with moving accounts around whilst on payment holiday, we are going to give you £3074 back. Logged into account, only £30.74 refunded, not £3074. Phoned Amex cos thought it was a joke/mistake - Spoke to some bloke - Oh dont worry, the rest will be applied to account automatically in 7 days. he advised was genuine but then got cut off during call. Called back, spoke to some other bloke, yes, looks genuine but please hold... Came back 10 minutes later. Oh, its a mis-print, you are not the only customer to receive one of these. Each should have been £30.74 not £3074. Me = Gutted.    Wrote a letter to Amex saying how dissatisfied i was with general customer service and felt they were incompetent, blah blah etc. Final response received, Complaint partially upheld, heres £150 credit because we were a bit silly, but thats it. IF your still not happy, go to FOS. Opened a case with FOS... Have sent them the complaint letter to them and have had a call from them about this... FOS are backlogged though and will take another 3 months for complaint to be looked at by them.   Let me make this 100% clear, fully admit to owning the debt, yep, ive spent this money (wish I knew what on, cos having got much to show from it - just general stuff and holidays)... Not trying to shirk out of it, trying my best to keep up with re-payments but im really struggling. After I got paid on 1st April, after paying all outgoings i had £9.83 left in current account so am having to go into overdraft each month which is just a vicious circle.  I would really like to NOT have to down the default route and trash my credit rating and then have to deal with the morons at NCO / Arrow etc.    Meanwhile, this is where I need the advice of the CAG experts... - Credit Limit increases... These were coming every few months and it was just being upped and upped and upped. Credit limit eventually was stopped at £15,400. Some of the increases I never even received letter for, just noticed when I logged into account. >>>> Would this be a case for irresponsible lending?   - Stopping interest - I've read something on FCA site that they recommend (not policy) that if a customer is put onto a payment holiday then they recommend freezing interest for customer so the debt doesn't continue to build. I've asked time and time again, Amex just refuse.  >>>> Any tips on how to get Amex to play ball?    - Full & Final/Short settlement I've rung Amex today, told them I might be able to pay it off. Initially they said full balance, i then pushed, they then said they would accept 80% of balance, pushed them a bit more, got it down to 70%. >>> Surprised, and then very surprised they would accept 70%, anyone else think this is a bit odd? Normally they wont budge, or they wont budge from their first offer... Could their be something wrong on account (missing CCA etc?), or do they want rid of me and account as much as I do with them?   - Cant really keep going at these £329.74 repayments. Something is going to have to give somewhere. I believe they wont go any lower and they will just default it i send £100 instead of £329 and send it out to NCO/Arrow. This might not be a too bad thing though because this would stop the interest right? Anyone thoughts on this?    Anyone think of anything else I could try with them? Again, its still with Amex, not defaulted or anything yet, yep, its all my own fault, i've spent the money, dont deny that, just feel Amex have took advantage etc.   Many thanks for reading. Any advice is greatly appreciated.   Kr, Mista B.     
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Baliff petition;Stop them getting a legal right to forced entry;Peter Bard


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I dont think so but found it all a bit confusing, lots of voting, lots of no's have it.

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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It is all very confusing for us and not so used to there termonalogy, lets hope that Peter and others can help us through the nitty gritty of it all.

 

In words we can understand.

 

Peter and everybody else involved in this fight.

 

I think you are fantastic.

 

And I really do appreciate all you are doing for us all.

 

THANK YOU

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Austin Mitchell, Simon Hughes and Henry Bellingham really did raise the issues on the vulnerable and protection for the vulnerable, there was a lot of 'we intend' in reply but it was heartening to hear reference to the good work done by Peter and his contacts and get the real concerns aired, thanks Peter once again.

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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Had to go out urgently, just as it seemed they were approaching decision time, I realise Austin is is a friend and all that, but I thought he was wandering after a while.

I was very impressed with H.Bellingham and one another, not Simon Hughes, though he was ok.

What a choker it had the reading on this day, of all the days possible!

We shall see what we shall see, to tired right now to consult Hansard or wherever you get the updated information.

Would like to echo P.Clarkson and Maybelline and express huge THANK YOU to Peter and all, for valiant efforts.

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Guest Herbie

During the transfer of power between Tony Blair and Gordon Brown, the Tribunals Courts & Enforcement Bill was PASSED in the House of Commons. A most wonderful example of a good day to bury bad news.

 

It was of course expected, but nonetheless a huge dissapointment.

 

For those of you who watched on TV yesterday, Vera Baird said on a number of occasions that it was a shame that Austin Mitchell had not been part of the committee stage of the bill, and I for one agree with that. As you may know, AM came into this very late in the day after his daughter's car was clamped by bailiffs.

 

Although the Bill has passed, VB did confirm that the new powers being granted to bailiffs WILL NOT be brought in until ALL bailiffs are certificated and the SIA are brought in as Regulator. I will not go into the SIA today, suffice to say, that I have written a report detailing why they SHOULD NOT be the regulator which has been distributed.

 

Phillip Evans will be writing a letter this morning which no doubt Peter will post.

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I think but correct me if I am wrong, we may have lost the battle but I truly believe we have not lost the war, please Peter & Herbie let us know what we can do collectively to carry on this campaign.

 

SFx

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I think but correct me if I am wrong, we may have lost the battle but I truly believe we have not lost the war, please Peter & Herbie let us know what we can do collectively to carry on this campaign.

 

SFx

 

I agree. Hugely disappointing - but we battle on ! Bad law CAN be over-turned !

 

Watch out, now, for a spate of complaints where bailiffs tell people this law has passed and they now have the right to force entry !

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TW - I have a very interesting meeting with Head of Revenue and a bailiff company on 10 July, and on the agenda with be the TCE, I want to put in all the checks and balances before this comes enforceable.

 

TBH this has just made me even more determined to make a difference, my poor husband when he told me to go for it I really dont think he realised quite how much it would take over my life!!!! Though with my case being in the press last week, I have over 5 people congratulate me and tell me that I am doing a good job and it is making a difference.

 

SFx

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So are we saying the bill has been passed but has not yet been made law as such.

 

That's right ... the government have promised that the section allowing forced entry WILL NOT become law until after the bailiff industry has been regulated.

 

But we all know about this government's promises, don't we?

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TW - I have a very interesting meeting with Head of Revenue and a bailiff company on 10 July, and on the agenda with be the TCE, I want to put in all the checks and balances before this comes enforceable.

 

TBH this has just made me even more determined to make a difference, my poor husband when he told me to go for it I really dont think he realised quite how much it would take over my life!!!! Though with my case being in the press last week, I have over 5 people congratulate me and tell me that I am doing a good job and it is making a difference.

 

SFx

 

Good for you !

 

Every bit of publicity helps the cause (and alerts people to something that they may not even have thought or heard about - but would probably be horrified if they knew).

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In a sad way i hope the bailiffs do start with the route of forcing their way into peoples homes. That maybe the only way to hang themselves and when someone is injured or commits suicide then only then will this stupid bill be looked at again. I hope that some of those that voted for this bill eventually come upon hard times and get a visit. What goes round comes around. Its not only the vulnerable and poor that fall on hard times. Bet there would be an outcry then.

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That's right ... the government have promised that the section allowing forced entry WILL NOT become law until after the bailiff industry has been regulated.

 

But we all know about this government's promises, don't we?

WE SOITENLY DO, STANLEY (with apologies)

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The government cant regulate themselves so how the hell they are going to regulate the bailiff industry god only knows. I do hope something comes up whereby this bill can be overturned. AM did a good job. But as usual what would have happened if his daughters car had not been clamped. Would he have stood up then to speak out. As i said earlier when one of the politicians get a visit then they will know how it feels. I wonder then who will get the mostpublicity. The vulnerable or the politician. erm, let me think.

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HI

I am afraid I had to miss part of the debate yesterday so I am waiting for the Hansard, saw up until the voting for Amendment 6,

Yes it was disappointing but not altogether unexpected result yesterday.

No, it is not the end, yesterday we all saw the amount of opposition there was to clause three of the bill and schedule 12.

We all saw the way VB rode roughshod over the combined wishes of the other parties in regard to an independent regulator.

And we all saw the support that we have from the opposition front benches and particularities who is willing to stand up and say so..

We must now concentrate on providing these people with all the ammunition we can, every incidence of misuse of power of unresolved complaints, give them all the ammunition we can to use.

We must remind and continue the push on the petition using the situation as it is now to try and engender more public debate.

It will not be long before bailiffs are stating they have the right to enter without permission on the first visit or to chase a CCJ.

Which as we know the do not yet have, lets have every incidence of this sent to the ministry of Justice and our friends on the opposite benches.

Let’s see if we can crack the media.

Talk more Later

Not ready to roll over yet

Best regards

Peter

  • Haha 1

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Good idea, but what about all the people that dont know about the forum. And also their rights at the moment. This is the scary thing. We are together on here but where do you see in the media, well not often about this. It needs to be brought to a much wider audience. It needs to be on all the local news sites. Things like that. sorry if anyone thinks i am talking cobblers at all but do not have the expertise like the fantastic people here. I am only talking as a lay person. If you know what i mean

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I’d like to add my own thanks to Peter, for the way in which he has led this fight on CAG.

 

Peter has not only stuck to the task despite obvious difficulties, but is also posting frequently and authoritatively on the giant Consumer Credit Act Agreements thread!

 

Scales duly clicked.

 

Els

BANK CHARGES CAMPAIGN CONTINUES - PLEASE SIGN THIS PETITION

 

Aktiv Kapital £300.00 SETTLED IN FULL

Capital One £741.47 SETTLED IN FULL

Citi Cards £1221.00 SETTLED IN FULL

LTSB(personal) £3854.28 SETTLED IN FULL

LTSB(business) £7487.97 SETTLED IN FULL

 

What poor education I have received has been gained in the University of Life

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Sorry Smashed,

I just meant those already ON the forum who do pick up details; but I do take your point about spreading the need to advise, wider, and you know that if we can go to local news et al with specifics, there's a much better chance of them picking up on the matter. Little and often or 'chinese water torture' using abuse cases.

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Would you suggest that each mis-use or abuse of power is channelled through the forum and, additionally, to an individual's MP and Councillor?

Anywhere else? CAB?

 

Hi

Great minds think alike, well you know what i meen.

 

I am in the middle of drafting a personal letter to both the main supporters of our cause on the oppostion benches to see if they would be interested in being kept upto date of the effectiveness of the intervening "regulation "before the SIA take effect.

 

Also it would be great if we could team up with the CAB as regardeing information and statistics re complaints. I have started a letter in that respect also. I have a few limited local links with them but i will keep everybody abreast of what I am doing as i hope everyone else will also.

 

 

Best

Peter

  • Haha 1

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Just gave my mp a b*ll*cking for voting with the SHEEP.....it seems as though ALL the labour mps opposed the ammendments and all the opposition backed them

 

It seems as though it was a whipped vote rather than a vote of conscience

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Excuse me - Dave, were you really considering matters of conscience AND the governing party?? Oxymorons ain't in it!

 

oops.....yes I see what you mean :D

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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