Jump to content


  • Tweets

  • Posts

    • Hi just typed all defence clicked next and it's deleted all. Any help
    • I forgot to say, there is one last possibility and that is that they will receive your letter of rejection and simply fold, accept the rejection and refund you. Don't wait too long for this. Seven days maximum – but in that seven days you could send your letter of claim anyway and when that you don't hear from them or when they start mucking around at least you are seven days closer to beginning the legal action – and they will know it (which is the important thing).
    • Okay that is excellent that you have an email between the garage and the warranty company confirming that there is a serious problem with the gearbox. That is very powerful evidence. I think the situation is this: you have sent them a letter of rejection but the reputation of big motoring world is that they won't take a lot of notice and they will try to prevaricate and maybe even blame you. Clearly you don't want the car any more and anyway it sounds as if the cost of repairs is going to be enormous. You don't know if the warranty company is going to step up to the mark but the whole thing is going to take a long time and I understand that you have lost confidence in big motoring world because of this event and also their reputation which you are now discovering on Facebook and on this forum and no doubt elsewhere. On the basis that you don't want the car any more and you want your money back, you need to hurry things along. I think the first thing is that you need to decide if you are prepared to bring a claim in the County Court. Even without the warranty money, the claim is worth more than £10,000. For actions less than £10,000, you bring a "small claim" and this means that even if you lose the case you won't be liable for the other side's costs. If you win the case then not only will you get your money plus interest but also you will recover all of the costs of the action. For actions more than £10,000, you go to something called the "fast track" and in the event that you lose the case, then you could be liable to reimburse the winner some of the costs. This means that in addition to not recovering your own money, you would lose your own court fees and also you would have to to bear the costs of the other side probably something less than £5000 – but as a rough guess. If you bring your court claim then your chances of success are almost 100%. Frankly if you brought a court claim then I can imagine that big motoring world will put their hands up and pay you out rather than face go to court and losing and getting a judgement against them. However, it you need to consider that this is a risk factor – although my view it is a negligible risk factor. If you did bring a court case, it wouldn't be instant. If they put their hands up then it would probably happen very quickly. If they didn't put their hands up then you could take anything up to a year for the matter to be resolved and during that time you would be without your car and without your money and in the middle of litigation. I'm explaining this to you say that you understand how it works. Bring a court case would be really the last resort when everything else has failed. However, I'm quite certain that you would win and it would be stupid of big motoring world to try to resist. In order to bring a court case you would have to send a letter of claim giving them 14 days to accept rejection and organise the refund otherwise you would begin the claim. Don't imagine that you could bluff this. If you did send a letter of claim then you would have to go through with it otherwise you lose all credibility and you might as well pack up and go home. So with this in mind, here are possible courses of action you could take. You can simply wait and see what their reaction to your letter of rejection will be. However they may not reply or else they may find some other reason to delay and of course during that time you will be without your car and without your money blah blah blah, not knowing if big motoring world were going eventually to start acting sensibly and respectfully towards you. The second thing you can do – and I think this has been suggested on Facebook – is that you can go along there and simply make yourself present and talk to other customers and generally speaking make a nuisance of yourself and embarrass them to the point where you would be explaining to other potential customers to be careful, to look on Facebook, and to do some careful research before they put their business to big motoring world. This has a reasonable chance of success although you would have to be careful. You should go accompanied by a friend and there should be no anger, no arguments, nothing that could be considered as being overly aggressive so that big motoring world would have no justification in kicking you out or even worse, calling the police. If you did this, then I would suggest that you record everything on the telephone carried in a pocket. A fully charged battery will probably keep a voice recorder and a telephone going for more than 20 hours or 30 hours. The other person can video any incidents so that everything is clear and you can inform big motoring world then it will be going up on the Internet. If you did this, my favourite option would be to issue the letter of claim giving them 14 days, and then going along to big motoring world with a copy of your letter of rejection and a copy of the exchange between the mechanic and the warranty company and a copy of your letter of claim – all settled together – and probably about 20 or 30 copies in all and I would start handing them out to any customers who came in. Big motoring world will soon get the picture and they will either move your the premises in which case you stand outside and carry on doing it or they will finally give in. Of course there is a chance that they won't give in and they will simply call your bluff – but in that case I think you have no choice other than to follow through with your 14 day threat in the letter of claim and to begin the legal action. At the same time you should be putting up reviews on Google and also trust pilot explaining exactly what has happened and also explaining that the mechanic has confirmed to the warranty company that there is the serious problem, that you have asserted the right to reject and that this is been ignored by big motoring world and that you have now sent a letter of claim and that you will be starting a legal action in 14 days. Once again, don't bluff about the legal action. If you threaten it – then you must mean it – and on day 15 you click of the claim. You don't need a solicitor for any of this. It's all fairly straightforward and of course we will help you all the way that it the decision is yours to make and I think you need to make it fairly quickly. I think the cost of starting an action for about £13,000 is 5% and then also if it goes to trial which I would say is almost impossible – there would be an additional fee. You would claim interest at 8%. A judge might award a lower figure but frankly if you can show that big motoring world is attempting to ride roughshod over your very clear statutory consumer rights, I can imagine that the judge will want to show displeasure by awarding the full 8% which is a pretty good rate – even though it's not compensation for the hassle and the distress you are going through. If you decide to get solicitor, then if you win the case, because it is over £10,000 you will recover some of your costs but you won't recover all of them. If the solicitor begins by having exchanges of letters then I doubt whether you will be up to recover the cost of those and you could easily find that you're chalking up 500 quid or even a thousand simply on initial exchanges of correspondence. Also you need to bear in mind that if after having exchanges with a solicitor, big motoring world cave in – then you definitely won't get those costs back because you won't have gone to court and therefore a judge will not have made the order for payment of those costs. I suggest very strongly that you avoid paying any money for a solicitor and that you do it yourself. It's not a big deal – although you will have to you react quickly to the help we offer on this forum. Also, an additional benefit is that you will learn a lot and you will gain confidence and eventually you will feel good about suing anybody else who gets in your way. Nothing not to like! If you do decide to instruct a solicitor then you must take control of the solicitor. Most of them prefer to sit in an office writing letters on the clock. If you do decide to instruct a solicitor then you must instruct the solicitor very firmly that they should send one letter of complaint giving seven days. A second letter – a letter of claim giving 14 days and that they must then begin the action. If you don't do this. If you don't take control then it will simply cost you money, you will be without your car even longer and of course without your money. The whole thing is a nightmare. I think I've laid out the options but please do ask questions. I hope you can see that this is the kind of advice that you won't be getting on Facebook. Nothing against Facebook. It's good as a meeting place and to make people realise that they aren't on their own – but after that the advice given is weak and confusing.  
    • What makes you say that?  I have no idea how I would go about that or why they would even entertain discussions now that they've won the Court case
    • Our main Equity Partner, Cabot Square Capital invests 
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Capitol Collection/Citi financial, help please, arghhhh


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6290 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Join Date: Feb 2007

Posts: 33

reputation_pos.gif

 

 

icon1.gif Re: Capitol Collection/Citi financial, help please, arghhhh

I then posted a reply letter letter reminding them of their duty, as the previous letter was on citifinancial headed paper i sent them a reminder letter too as they are the same company, just a diffirent dept so i was lead to belive by capitol collections.

Today i recieved this,

citifinancial1.jpg?t=1174685696

Link to post
Share on other sites

Join Date: Feb 2007

Posts: 33

reputation_pos.gif

 

 

icon1.gif Re: Capitol Collection/Citi financial, help please, arghhhh

I then posted a reply letter letter reminding them of their duty, as the previous letter was on citifinancial headed paper i sent them a reminder letter too as they are the same company, just a diffirent dept so i was lead to belive by capitol collections.

Today i recieved this,

SHOULD I SEND THEM WHAT THEYRE ASKING FOR, AS THEY ALREADY HAVE MY ADDRESS AND ACCOUNT NUMBER FROM THE LETTER I SENT THEM, WHICH THEY ALSO SENT ME A PHOTO COPY OF WITH THE LETTER, ITS VERY CONFUSING, ESPECIALLY AS THEY HAVE TOLD ME THEY DONT HAVE AN AGREEMENT, SHOULD I STOP PAYING AFTER THE 20TH APRIL, CAN THEY CHASE ME FOR THE IT WITHOUT A CCA:confused:citifinancial1.jpg?t=1174685696

SHOULD I SEND THEM WHAT THEYRE ASKING FOR, AS THEY ALREADY HAVE MY ADDRESS AND ACCOUNT NUMBER FROM THE LETTER I SENT THEM, WHICH THEY ALSO SENT ME A PHOTO COPY OF WITH THE LETTER, ITS VERY CONFUSING, ESPECIALLY AS THEY HAVE TOLD ME THEY DONT HAVE AN AGREEMENT, SHOULD I STOP PAYING AFTER THE 20TH APRIL, CAN THEY CHASE ME FOR THE IT WITHOUT A CCA:confused:

Link to post
Share on other sites

After the letter in post #1, it's not up to you to do their job for them!

 

They know your details, they sent you all them letters didn't they?!

 

When they were asking for money from you, they had all the right details then didn't they?

 

What's changed? Apart from the fact that you now know that they can't provide a copy of the original agreement!

 

Result! Best regards, Dave.

  • Haha 1
Link to post
Share on other sites

Your CCA request was made under The Consumer Credit Act, 1974.... not The Data Protection Act, 1988.... as they have quoted to you. Not that it makes much difference. Until they can locate your CCA, they cannot pursue you for payment and even if they did find it after 12 working days, they would still have to go to court to re-enforce payment.

 

As has already been said... well done !! :)

  • Haha 2
Link to post
Share on other sites

You also need to keep your rec. delivery receipt in a safe place...as this is your only proof that a request was received by them on the date specified.

 

I now have so much correspondence... that I cartwheeled :D down to Tesco and bought myself a compartmentalised, plastic wallet for each account that was being disputed, so that everything could be filed away forever !!!

Link to post
Share on other sites

Nationwide use a firm of debt collectors called Fredrickson International, they sent aseries of threatening letters before some of the charges were repiad due to a current court case the letterhead contains a number of registred trade marks which appesar to suggest that these debt collectors are part of or endorsed by them see what you think:

 

my name and address

Fredrickson International Limited

R/0 7/10 Chandos Street

London WIG9DQ Friday, xx March 20xx

Dear Sirs,

Your ref: # letter dated 30th Jan 2007

and your letter dated 8thFebruary 2007

Letter Before Action

Having formally requested all the data held by Nationwide under the Data Protection Act, and from the information recently provided under the DPA by Nationwide, your firm was not mentioned and has been clearly omitted from that information. I the data subject now require you under Section 14 of the Data Protection Act to furnish the name and address of your data controller and the name and address of the data controller at Nationwide who provided my personal data to your firm and the date and manner in which that data was provided and the name and address of the person who authorised and signed a series of letters from your firm. Such letters being contrary to The Malicious Communications Act 1988 Section 1 (ii) a threat and section 1 (b) …. causes distress or anxiety to the recipient or to any other person to whom he intends that it or its contents or nature should be communicated.

As a data subject I consider that I have suffered damage by reason by any contravention by a data controller of any of the requirements of this Act in respect of any personal data, in circumstances entitling me to compensation under section 13. I believe that there is a substantial risk of further contravention of those data in such circumstances.

Your letters being wholly disproportionate and has certainly caused me great stress and anxiety.

Please also supply a copy of each legal authorisation to use, reproduce in four colour print on your letterhead and inter-alia solicit as your own intellectual property, the copyright registered trade marks and to reproduce said copyright registered trade marks suggesting that your firm is by association an integral part of, sponsored by, approved or endorsed by the following organisations:

Visa Electron

Delta

Switch

Maestro

Solo

MasterCard

VISA

Post Office

PayPoint

Payzone

Please also clarify the legal position with those organisations and if they are an integral part and bound by [as suggested by your letterhead] of your CSA registration number 183.

Failure to respond or clarify your relationship with the above organisations would leave me and possibly other recipients little choice but to add each individual organisation named above as a co-defendant in any legal action I may take under Section 14 of the Data Protection Act and other statutes that counsel may suggest against your firm. Please supply this information within Seven Days.

Yours sincerely

xxxxxxxxx

Cc:

Visa Electron

Delta

Switch

Maestro

Solo

MasterCard

VISA

Post Office

PayPoint

Payzone

 

 

-----------------------------

 

So if they do not respond, its down to the small claims court with a writ for the debt collection agency and citing all the other names as co-defendants. You need to see their letter head to undedrstand how misleading it is.....an other reaction or am I going over the top...

Link to post
Share on other sites

Nationwide use a firm of debt collectors called Fredrickson International, they sent aseries of threatening letters before some of the charges were repiad due to a current court case the letterhead contains a number of registred trade marks which appesar to suggest that these debt collectors are part of or endorsed by them see what you think:

 

 

my name and address

 

 

 

Fredrickson International Limited

R/0 7/10 Chandos Street

London WIG9DQ Friday, xx March 20xx

 

 

Dear Sirs,

 

Your ref: # letter dated 30th Jan 2007

and your letter dated 8thFebruary 2007

 

Letter Before Action

 

Having formally requested all the data held by Nationwide under the Data Protection Act, and from the information recently provided under the DPA by Nationwide, your firm was not mentioned and has been clearly omitted from that information. I the data subject now require you under Section 14 of the Data Protection Act to furnish the name and address of your data controller and the name and address of the data controller at Nationwide who provided my personal data to your firm and the date and manner in which that data was provided and the name and address of the person who authorised and signed a series of letters from your firm. Such letters being contrary to The Malicious Communications Act 1988 Section 1 (ii) a threat and section 1 (b) …. causes distress or anxiety to the recipient or to any other person to whom he intends that it or its contents or nature should be communicated.

 

As a data subject I consider that I have suffered damage by reason by any contravention by a data controller of any of the requirements of this Act in respect of any personal data, in circumstances entitling me to compensation under section 13. I believe that there is a substantial risk of further contravention of those data in such circumstances.

 

Your letters being wholly disproportionate and has certainly caused me great stress and anxiety.

 

Please also supply a copy of each legal authorisation to use, reproduce in four colour print on your letterhead and inter-alia solicit as your own intellectual property, the copyright registered trade marks and to reproduce said copyright registered trade marks suggesting that your firm is by association an integral part of, sponsored by, approved or endorsed by the following organisations:

 

Visa Electron

Delta

Switch

Maestro

Solo

MasterCard

VISA

Post Office

PayPoint

Payzone

 

Please also clarify the legal position with those organisations and if they are an integral part and bound by [as suggested by your letterhead] of your CSA registration number 183.

 

Failure to respond or clarify your relationship with the above organisations would leave me and possibly other recipients little choice but to add each individual organisation named above as a co-defendant in any legal action I may take under Section 14 of the Data Protection Act and other statutes that counsel may suggest against your firm. Please supply this information within Seven Days.

 

 

Yours sincerely

 

 

 

 

xxxxxxxxx

 

 

Cc:

 

Visa Electron

Delta

Switch

Maestro

Solo

MasterCard

VISA

Post Office

PayPoint

Payzone

 

 

-----------------------------

 

So if they do not respond, its down to the small claims court with a writ for the debt collection agency and citing all the other names as co-defendants. You need to see their letter head to undedrstand how misleading it is.....an other reaction or am I going over the top...

Link to post
Share on other sites

Rinkydinkydoo - When you took out the loan with Citi did they provide you with a copy agreement. The only reason I ask is for 2 reasons. Firstly, they gave me a copy but it was unsigned by me and them and secondly the payment date was omitted. I have currently sent a SAR and a CCA to them as I am concerned re their charges which I know they are adding. I was verbally told payment date but as it is not in black and white what determines payments are late?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...