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    • I've just seen your new post. A letter before action is the same as a letter of claim. You don't need a template. You simply need to inform the garage that the vehicle you bought has developed X defect, Y defect, Z defect. He has already been informed of them and given an opportunity to repair and he has either refused the chance to repair or else he has attempted the repair and it has failed – whichever is the case and so under the consumer rights act you are asserting your right to reject the vehicle and you want him to make the appropriate arrangements to collect the vehicle and to refund you the purchase price – plus any associated losses – and if he does not do so within 14 days then you will sue him in the County Court and without any further notice. Don't make this threat if you're not serious about going ahead with it. On day 15 issue the papers. In the intervening 14 days register with money claim and start preparing your particulars of claim. You can post them here if you want us to check them. Whatever you do, on day 15 you send them the good news
    • Well done Shelley. I'll amend your thread title.   HB
    • I'm afraid that your story is rather overlong. It would have been easier to understand it all if there had been less of a narrative and more of a bullet pointed chronology of facts. Although you informed the dealer within 30 days that there was a problem, the Consumer Rights Act requires that there be a clear and unambiguous assertion of your short-term right to reject the vehicle. It doesn't appear to me that you have done this. This isn't a problem at all because you are still well within six months. I understand that you have given them an opportunity to repair and that you have now rejected the vehicle. This is enough to trigger your rights under the Consumer Rights Act as long as the defects which you are complaining about are sufficient to render the vehicle as less than satisfactory quality. As I say, I haven't read through the detail of your story and I certainly haven't looked at all of the PDFs that you have apparently uploaded but I get the impression that you have been quite meticulous in keeping records. I've looked at the Google reviews of Elite and I have to say it doesn't bode very well. https://www.google.com/search?q=Elite+Preowned+Vehicles&rlz=1C1CHBF_en-GBGB822GB822&oq=Elite+Preowned+Vehicles&aqs=chrome..69i57j0l2j69i60j69i61l2.575j0j7&sourceid=chrome&ie=UTF-8#lrd=0x47d8aa4f43f644d7:0x8e93221101489523,1,,,  There is no trust pilot page for them as yet. Maybe you would like to attend to that. You say that the dealer is fond of using social media so that kind of thing is important. Site team member@dx100uk has already suggested that you issue a letter of claim and that certainly seems the way to go although if you are driven to actually mount a claim and presented in court that I hope you won't mind me suggesting that you need to stop being a little bit more economical about the way you present your case. Just in case there is any debate over the defects which have been discovered and their significance then if you haven't done this already, you should make sure that you have got assessments and even quotations for the work from independent garages.
    • Hello dx100uk. Thanks for your attention and help with this. You had an even later night than me! I clicked on the 'letter before action' link which you kindly gave me. This took me to BankFodder's post 'Small Claims actions in the County Court FAQ - work in progress' which I have read through and also the 'Pre-Action Protocol' and 'Letter of Claim' links. I couldn't find reference to a Letter Before Action or is this the same as a Letter Of Claim? Also, my rejection letter already mentioned a 14 day period (taking us to 05/08/2019) for him to get back to me. Is it ok to send a Letter Before Action now? I only ask as I wouldn't want this to be viewed dimly by the court if it goes that far. I do understand that I need to take action as soon as possible so these are just a few clarification questions. I shall google for some Letter Before Action Templates and put something together. Thanks again.
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BankFodder

Barclays - charges should be £1.50 - Whistleblower revelations

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I watched with my bottom jaw dropping to the floor on numerous occassions... I couldn't believe the cold, uncaring, profiteering and illegal manner in which those staff were behaving.

Great piece of investigative journalism, and a good exposure.

 

I doubt if many Barclays customers are too confident in their banking with Barclays now!

 

Good advert for CAG on the laptop too!

P


If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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I watched with my bottom jaw dropping to the floor on numerous occassions... I couldn't believe the cold, uncaring, profiteering and illegal manner in which those staff were behaving.

Great piece of investigative journalism, and a good exposure.

 

I doubt if many Barclays customers are too confident in their banking with Barclays now!

 

Good advert for CAG on the laptop too!

P

 

I haven't been confident in banking with barclays for a long time, that's why I closed my account with them. But can't fully be closed until they pay back charges so I can pay off overdraft and still have money left over.


[I][FONT=Arial][SIZE=1][B][U][COLOR=red][COLOR=blue]Barclays bank[/COLOR] [/COLOR][COLOR=blue]- £1260.00[/COLOR][/U][/B][/SIZE][/FONT][/I] [I][FONT=Arial][SIZE=1][COLOR=red][COLOR=blue][B]Settled for £1774.20 - [COLOR=#ff00ff]7th June 2007[/COLOR][/B][/COLOR][/COLOR][/SIZE][/FONT][/I] [I][FONT=Arial][SIZE=1][B][U][COLOR=red]MBNA - £1994.46 - [/COLOR][COLOR=red]inc contractual int[/COLOR][/U][/B][/SIZE][/FONT][/I] [I][FONT=Arial][SIZE=1][COLOR=red][B]Settled for £2024.00 - [COLOR=magenta]16th April 2007[/COLOR][/B][/COLOR][/SIZE][/FONT][/I] [I][U][FONT=Arial][SIZE=1][COLOR=indigo][B]First Direct - £1147.00[/B][/COLOR][/SIZE][/FONT][/U][/I] [I][FONT=Arial][SIZE=1][B][COLOR=#4b0082][COLOR=indigo]Settled for £1147.00 -[/COLOR] [COLOR=#ff00ff]1st May [/COLOR][/COLOR][COLOR=magenta]2007[/COLOR][/B][/SIZE][/FONT][/I] [I][FONT=Arial][SIZE=1][COLOR=green][B][U]Capital One - £802.83 - inc contractual int[/U][/B][/COLOR][/SIZE][/FONT][/I] [I][FONT=Arial][SIZE=1][COLOR=#008000]Prelim sent - [COLOR=#ff00ff]28th March 2007[/COLOR][/COLOR][/SIZE][/FONT][/I] [I][FONT=Arial][SIZE=1][COLOR=seagreen]LBA sent - [COLOR=magenta]19th April 2007[/COLOR][/COLOR][/SIZE][/FONT][/I]

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I watched with my bottom jaw dropping to the floor on numerous occassions... I couldn't believe the cold, uncaring, profiteering and illegal manner in which those staff were behaving.

Great piece of investigative journalism, and a good exposure.

 

I doubt if many Barclays customers are too confident in their banking with Barclays now!

 

Good advert for CAG on the laptop too!

P

It was actually my laptop :D

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hi all

 

thought it would be useful to know i,m in court on the 13th April with Barclays the lovely bank that it is, they will not release my business data [statements] although the account is in our personal name and home address ect, covered by the DPA. Thats got to be the icing on the cake as it not.

 

hels

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hi all

 

thought it would be useful to know i,m in court on the 13th April with Barclays the lovely bank that it is, they will not release my business data [statements] although the account is in our personal name and home address ect, covered by the DPA. Thats got to be the icing on the cake as it not.

 

hels

 

If it is a business account then it would ususally be in a business or trading name not your own name. In any event, this would be best discussed on your own thread, not here. Thanks.


Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Absolutely incredible! Would not have believed it had I not seen it!

Just have to claim now!

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Dave, I think 'Bankfodder' wanted a copy ..

Drop me a PM and it's yours :)


  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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Just heard from a contact at Barclays contact centre at Sunderland. The trainer featured on Whistleblower has been sacked and the rest of the call centre staff featured have been told not to come back until Monday. All hell has broken lose and they're having meetings left, right and centre to sort it out. Feel its slightly unfair to take it out on the call centre staff when they are just doing what the managment at higher levels told them to do. The program just showed a typical day in the life of the contact centre. This is not a one off. I worked there six years ago and it was exactly the same. It is just all about sales and targets with a dusting of customer service.

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For my part I found this show reassuring (allow me to explain!!!). I work for Nationwide and we do have targets, some staff complain about them BUT we sell in a very honest way. If a customer says no we stop there and then.

 

I can see both sides of the coin because after a recent (massive) promotion on home insurance I had a customer tell me nobody had told him and he would've been interested!

 

I hope this programme serves as a wake up call to the entire industry, I do wish a little more time had been given to the bank charges but I guess that was only one of the stories being told on the programme.


The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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I suppose they're hoping a leak of this action will get out into the public - then they have their spin machine working "Ooooh we sacked those naughty people - it won't happen again!"

 

P


If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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I had a DD bounce on my account on Friday - but no charge has appeared?? are they just being slow or have they been kicked very hard in the nads

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Give them time, it will probably appear on your next statement.

 

Then you can join the queue and kick them in the nads as well! ( I suspect they are getting used to it by now!)

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;-)

 

I have it on very good authority that the Trainer concerned has been suspended, pending disciplinary action.

 

They have also set up a dedicated "Additions Removal" line in a department staffed mostly by long-term advisors and all calls from "slightly miffed" customers are being directed there. By all accounts (excuse the pun) the wait-time for customers to talk to advisors was worse than the day all calls to branches were re-routed for the first time. :D

 

Much to-ing and fro-ing in said department by grovelling fairly new "Outbound" Manager and other Senior Management :D

 

Oh what it would have been like to be a fly on the wall eh? :cool:


2007 Issues ALL RESOLVED

2008 Issues ALL RESOLVED

£4,200 in charges claimed back succesfully from a total of 5 Creditors

2009 Issues ALL RESOLVED

NEXT Directory - No Agreement, No Further Action **WON**

2010 Issues

Court Claim from Black Horse - AOS 22.11.10, CPR 23.11.10

Assisting Daughter with Employment Tribunal for Wrongful Dismissal/Discrimination

 

:) My Head is officially out of the Sand :)

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SS Collins - is this the first "transgression" this month?

 

If so, just hope they didn't notice!

 

If not then it's probably down to the policy of not charging more than 3 times in a month.


2007 Issues ALL RESOLVED

2008 Issues ALL RESOLVED

£4,200 in charges claimed back succesfully from a total of 5 Creditors

2009 Issues ALL RESOLVED

NEXT Directory - No Agreement, No Further Action **WON**

2010 Issues

Court Claim from Black Horse - AOS 22.11.10, CPR 23.11.10

Assisting Daughter with Employment Tribunal for Wrongful Dismissal/Discrimination

 

:) My Head is officially out of the Sand :)

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It's ridiculous how much the banks charge and although the banks have admitted that it only costs them £1.50 - £2.00 the government still say that they can legally charge us £12.00 a time! Surely the government should take into account the banks admissions and drop this amount. and putting these charges on people just gets them into more debt.

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the government still say that they can legally charge us £12.00 a time!

 

No they don't. They said that a charge of over £12 is definitely unlawful, they didn't say under £12 is lawful. This applies to credit cards only.


Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Any chance of a copy of that djDave?! it would boost my court case against Barclays mucho per cent!

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i have just been offered a settlement of £141 from barclays for them adding on additions without my consent...could i get more as this additions goes back to 1998..they say that i should have known from my statements in the past ...but i rarely looked into them..as it only had account fee on...never relised wot this was until i enquired back in jan 2007

any advice appreciated

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How about adding compound interest at their authorised overdraft rate using the spreadsheet in Vampires Chambers (compound interest throughout claim)

P


If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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good idea!!! now they have sought of admitted taking unauthorised money from my account..in the way of adding on an additions to my account...and by paying me a small percentage back..i will be asking for this compound intrest

cheers"

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Whippy,

To reinforce the request, you could ask that they pay the compound interest at (i.e. 16%) year on year, and if they disagree - ask them for proof of the agreement you gave to ask for this service. (telephone call logs/application form, notification via post etc.)

 

Cheeky bar stewards!

 

P


If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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Hello all this is my first post

 

it would b nice if we could get a copy of the dvd as i have just started my claim against Barclays and they are dragging their feets as per usual

 

:mad:

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Hi

 

New to posting messages on this site but a grateful user of the templates, many thanks. I made an initial approach a couple of months back for £1300 and have now received an offer of £915. I am not quite sure whether or not to cut and run. Given the offer would anyone out there be inclined to take this further and risk my overdraft limit being cancelled? I have the paracute account with A&L but can't afford yet to pay of my Barclays overdraft. Any thoughts?

 

Many thanks

cg266

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 2869 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you
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