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    • 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.  

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    • We have finally managed to obtain the transcript of this case.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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CrispDust v Ikano (Ikea)


CrispDust
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  • 3 weeks later...

Had the cheque returned from Ikano via my own bank as they had no address or account number (the cheque was stapled to the DPA letter....)

The words for sh*te and brains come to mind!

Well as far as I am concerned, the 40 days are ticking by...

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  • 3 weeks later...

Statement of sorts returned today -deadline for DPA sar 40 days!

It looks sort of hand typed/spreadsheet:

2 interesting items right at the end, just as the account was defaulted:

Insurance Charge off - £75

Other fee Charge off - £28.68

Both amounts were added to my final settlement figure. I assume these are "unlawful charges" and should be reclaimed in addition to the other £135.00?

Thoughts and comments welcome.

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they were in 2000/01 for an "arrears charge"

Seems like an age ago! :)

Interestingly they claimed not to have the full information as the debt was sold on. More interestingly this debt was sold on 6 months after the debt became protected or frozen under an IVA. Not allowed! They had to buy the debt back when I settled the IVA 18 months ago. I wonder how much that cost them?

You can't believe the fun I had giving the DCA **** on the phone each time they demanded payment every month. They just wouldn't believe that the debt was nothing to do with them. I suggested they tried legal action to recover the debt. Of course they didn't. Name of DCA? Guess - begins with W ends in t - biggest bunch of incompetant terry f%*kwits I have ever dealt with....

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crispdust, they'll offer 50% straight away almost certainly. I've just started on the other halfs acrd for her for £300 and only asked for SAR but they sent that to us with an offer of 50%. Naturally said no, you'll get somewhere with this !

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  • 2 weeks later...

Hiya - what address did you send this to please?

I'm compiling a Store Cards contacts list to make things easier for future claims.

 

Thanks

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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  • 2 weeks later...

Well not a dicky bird from Ikano after prelim 7/7/6 and LBA 7/8/06, request for refund. If nothing by Mon then its MCOL time. Half of me hopes it does go to court then I get back some interest and it'll cost Ikano more than twice as much as the original unlawful charges. Serve 'em right for all the s%@t I had to endure from them and Wescott DCA! :)

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Hi Crisp

 

Im not far behind you and i to havent heard anything from them other than a letter saying i hadnt enclosed a cheque which i hadnt i had enclosed a postal order so shows that they are not very clever. I hope you get to court stage to like you say then means you can claim the interest as well and it will serve them right cause like you had endure the lovely wescot to and some very dim people at ikea call centre.

 

Good luck and will be watching your posts

 

Emma

HFC - Data protection letter sent - 17/07/06

- prim letter sent for £900 - 27/07/06

- LBA sent 10/08/06 asking for £945

- letter from HFC offering £450

- Letter from HFC offering £946.36

- Settled in full before filing MCOL

Ikea - Data protection letter sent - 31/07/06

- prim letter for £580 - 10/08/06

-Letter from ikea offering £250 - refused

-LBA sent 26/08/06

- Settled in full before filing MCOL

Alliance and Leicester

- Prim letter sent for £815 - 10/05/07

- LBA sent for £815 - 31/05/07

- Letter from A and L offering £143.50

HSBC - Data protection sent 10/05/07

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  • 2 weeks later...

Well surprise, surprise after receiving their papars from Leeds County Court, Ikano have finally contacted me!

They claim to have "sent a letter dated 19th August", with an offer, which never arrived. Not recorded delivery, of course. And I sent a letter dated 22nd August. Most people would have twigged that the letter had not been received, (if it was ever sent).

Well they are protesting and denying some of the charges are applicable, although they are offering more than the "supposed letter" of 19th Aug. But its still only 10% of the amount claimed.....

I have replied requesting an immediate return of ALL the account information, as requested in the S.A.R - (Subject Access Request) of 25th May 2006, since their adhoc manual input spreadsheet really isn't acceptable.

Unfortunately, they have a problem. They sold the account in 2002, 8 months AFTER the debt was protected under an IVA from Nov 2001. That will be interesting information for the judge should it get that far!!

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  • 2 weeks later...
  • 3 weeks later...

Checked with Leeds CC today. Ikano filed a defence 9th October. Not received a copy of it, presume it will come with the AQ.

S ikano still playing hard ball.

Losers...

Leeds CC do seem VERY slow with their paperwork.

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