Jump to content


  • Tweets

  • Posts

    • just post it here as text then we can edit if necessary
    • 1st try for snotty letter.     lbccc v1.pdf
    • I do feel now that I would like to comment on some points raised on some of the posts on this feed:   Although I found the appearance and comments from Zac to be rather strange, I have not left a scathing review; I was merely seeking some advice as I have never been in this situation before and did not know what to do.   The information I have provided is factual, transparent, and comprehensive. The pdf I posted of full correspondence, screenshots with text on (and to clarify direct quotations from the video walk round), and photographs of the bonnet show this.   The emails and comments posted by the dealer do not constitute the full facts of the situation as he stated, and it makes me feel sick that I have repeatedly been called a bully and a blackmailer (via correspondence and forum comments) throughout this. Additionally, the 4th email posted by the dealer which he named as the response to the email above it was not the response I received to it.   I have made it clear from the start that I wish to keep the car and only wanted it in the condition as advertised. Upon receipt of my first email concerning my complaint (not the best email, I know), it was very clear that the dealer wanted the car back. His response to this was a WhatsApp message which ended in “To be frank I don’t want to sell some one a car that insults and then blackmails me”. This was also the only option provided which would not cost me considerable time or expense. Although it would still have left me without a car (and having to resume my search), as my old Golf was due to be collected by a private buyer. Also, this was the only option offered without sarcastic and/or patronising comments attached. This is of course only my personal opinion and I am aware that I may not be fully objective on this point, but I felt bullied into doing what the dealer wanted.   Whilst I understand my initial email was quite conflict orientated, and that I have not dealt with this situation well, I don’t believe it excuses the responses I received. I am at a loss to see how this is above and beyond in terms of customer service.   As the dealer pointed out, I did state that the car was in fantastic condition for its year (the interior is fantastic for the year), apart from the bonnet of course. The car has most likely done predominately motorway miles which would account for the bonnet. There are minor issues which also don’t match up with the video walk round. Namely, a tiny dent in the rear wheel arch, which is barely even noticeable, several paint chips around one of the doors, the odd stone chip elsewhere, the alloy wheels are in good condition, but not absolutely pristine as most were described as (I had assumed maybe these has been reconditioned), the rear loading strip is heavily marked all the way across, but the paintwork not affected. However, all of these I feel are minor in a 10 year old car. Upon reflection ‘great’ may have been a better representation than ‘fantastic' on my comment.   During my initial phone complaint, I was told that I was the first customer to complain in over 50 cars (can’t recall the exact number but remember it being in the 50’s) to which I said that I felt bad about, later it was 300…   I never asked for £150. As mentioned before, I accepted this offer over the phone after the dealer had told me that I would not be able to get a stone chip repair company to rectify, as “there are hundreds,” and that it would need respraying. He told me that it would cost him £150 (did not mention plus V.A.T) and that it might cost me £200 here.   I was confused by the pricing structure mentioned (from the chap he has previously told me he has used for his body work repairs for years) as this appeared to be an invoice, which I assumed was for another car’s repairs. The total cost was over £1,000. It stated £180 for a bonnet repair and paint (vandal damage, small repair or paint correction) and on the second page V.A.T was added. If this is correct this would surely equate to a total cost of £216 for the bonnet, but of course I could be wrong. Not inclusive of the cost of collecting and delivering the car back to me, as I have been informed that this should not be of inconvenience or cost to me.   I asked for a larger contribution as initially I was led to believe it would cost me £50 and a little inconvenience. Only after I stated the specific consumer rights (which I had Googled over the weekend) and sent the dealer photos of the bonnet did he offer me a further £112.50 for this. In hindsight I could have specified a figure, and that I still did not expect the blended wings to be paid for. Before this, the dealer stated that he did not wish to negotiate any further and to take the car back to him to paint or they will refund and collect. Upon seeking more specific advice on Monday I was informed of my full rights in this circumstance.   It is certainly not a case of changing my mind because I wanted a brand new bonnet etc. and I disagree that the dealer kept his "kool" and replied respectfully throughout, as I do not consider sarcastic and derogatory comments throughout as respectful.   The warranty is a 6 month bronze package from Warranty Wise in this case, which I believe is the only option for a car over 100,000 miles.   I’m unsure as to the significance of the dealer counting 14 stone chips, but maybe this was on one of the photos close to the edge of the bonnet. I have not zoomed in, merely taken a photos of different areas of the bonnet. You can gauge the size on the photos which are closer to the front headlight area. Also, again this issue is not about the size of the stone chips, which do vary in size throughout, it is about the sheer amount across the bonnet not being as described. I did state that these were difficult to see in sunlight or at a distance. However, upon reflection I should have stated more clearly i.e. direct sunshine. I believe 2 or 3 were pointed out on the front edge of the bonnet in the video walk round. In which the dealer stated "Body work is absolutely stunning for the year, with only very minor age related marks, which we’ll point out as we walk round… Bonnet; no scratches, no dents, no damage. If we look closely, we might find the odd little stone chip here and there that have been touched in, little one there, very difficult to see. Little one there, look. So, it's got the odd little stone chip on the front of the bonnet edge, apart from that it's very very clean."   There are not over 30 emails about this, there are 12 and 11 WhatsApp messages (inclusive of the 2 photos of the body shop invoice).   From what I understand about mediation, its purpose is to negotiate to resolve an issue as timely and smoothly as possible. The last emails from the dealer stated that they had no choice but to take legal advice and pass all their correspondence to Lawgistics. With a formal retraction of all previous offers except returning the car to them for a refund, which would be my responsibility. This also informed me of the AA ADR. Followed by one stating “My apologies I forgot to include the phone number for the legal team… Bonnie is the team leader should you wish to escalate to the highest level. Please note that on taking further advice we are under no obligation to offer a refund for the vehicle.”   The dealer also stated “our car” at the end of one of his posts which is odd. It is legally my car which was purchased online in good faith.   Bankfodder’s recent comment concerning the AA does indicate he is saying the AA does not know what they are talking about.   Lastly, I am also unsure as to why anyone would want to deliberately add stone chips to their newly purchased car, or indeed how. Is this even possible?
    • As far as I can see I could just have scanned in a QR code of an unused or unreported test and declared it negative.  It is a venue asking for this and it's utterly pointless.  They'd be much better asking everyone to bring an LFT with them and randomly picking 10% out on entry to test in front of a witness
    • Each test has a unique QR code?   The UK is a joke at the moment.  People fighting over petrol at garages, because of supply issues affecting some garages.    Will we see people fighting again in Supermarkets over the last pack of toilet rolls ?   Government are blaming the media for reporting the problems .            
  • Recommended Topics

  • Our picks

  • Recommended Topics

help in a panic


poorlor
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5263 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

hi there im a newbie and have just started looking into reclaiming my bank charges, I was wondering how sucessesful people have been, and is it :) really more stressful than its worth?? especially talk about courts ect, brings me out in a cold sweat.brrrrrrrrr. By the way I am with the WOOLWICH, which from May will be part of Barcalays anyone had dealings with the woolwich ?

Link to post
Share on other sites

Of course its worth it!! they have taken your money unlawfully. also the help and assistance you require is on this site. Spend some time reading the FAQS and step by step instructions. As happy says start a thread then post your questions there.

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

Link to post
Share on other sites

  • 2 weeks later...

Hi there I sent a letter to the woolwich last week requesting my bank statements, today in the post the woolwich have returned my £10 cheque, with no explanation of why the cheque has been returned. Also included was a letter stating that they are looking into my complaint and aim to resolve the matter by the 23rd March etc,etc.......... , no mention of my statements. Can anyone tell me if this is a standard letter that gets sent out to all their customers, when they have requested their statements ? thankyou :confused:

Link to post
Share on other sites

Hi there I sent a letter to the woolwich last week requesting my bank statements, today in the post the woolwich have returned my £10 cheque, with no explanation of why the cheque has been returned. Also included was a letter stating that they are looking into my complaint and aim to resolve the matter by the 23rd March etc,etc.......... , no mention of my statements. Can anyone tell me if this is a standard letter that gets sent out to all their customers, when they have requested their statements ? thankyou :confused:

Link to post
Share on other sites

Please bear in mind, that if you have sent a SAR, they are not obligated to send you statements. They are obligated to send you details of transactions & charges - now these are very usually sent out in the form of copy statements - but they don't HAVE to be. They can be in the form of a list or a schedule. The SAR letter allows for this, which is why I asked if you had sent the SAR from this site.

Link to post
Share on other sites

they sent me the same letter, u should receive a list of ur bank charges soon, i sent mine on the 29th jan and recieved that letter back on the2nd feb and only last week 21st feb did i recieve a list of charges no statements or copies. then i sent the prelim on the 22nd feb and recieved a letter of an offer on the 26th so they are moving really quick

 

dont worry give them the 40 days from when u sent SAR they will get back to u with that list

 

amanda

Link to post
Share on other sites

no I got the letterI sent from

Bank charges: Reclaim them, they're unlawful, so you can get six years money back | MoneySavingExpert: Consumer Revenge, Credit Cards, Shopping, Bank Charges, Cheap Flights and more,

 

and then found this site after, which I find more helpful and much more informative, does it make a difference? do I need to contact the Woolwich again ??????? Im confused already:confused: help

Link to post
Share on other sites

Don't worry. Woolwich & Barclays don't charge for SARs and the letter you received is the standard letter. You will get sent a list of your charges, and it should be within the 40 days.

 

Exactly the same happened to me.

I sent my SAR on the 25th of January and recieved my charges on the 13th of febuary.

Working to remove my debts

Link to post
Share on other sites

Really it's just an acknowledgment of the request and the date it would be dealt by is if it didn't have a time limit.

 

Also you won't get your statements. You will only get a list of all the charges accrued, date they were incurred and the date they were applied,

Working to remove my debts

Link to post
Share on other sites

Hi there I was wondering if some one could tell me why they are not using the services of the financial ombudsman, Rather than going through the courts???????? from what Ive read they will deal with your case free of charge, once you have applied to the banks for monies to be returned, and they do not comply, to me it sounds much easier than dealing with courts and the paperwork that goes with it. Am I missing the point or are using the services of the FO not as straight forward as it seems?. dont get me wrong Im not knocking this site in any way, but Im really worried bout filling in court forms if it gets that far, and thought if the FO could do it for me that would be the way to go. Would appreciate advice on this subject. thanx:???:

Link to post
Share on other sites

Regards the list of all charges that we can all expect - will the list itemise whether the charge is returned DD, returned cheques etc? Surely we need the charges broken down in order to complete the itemised Schedule of Charges?

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

Link to post
Share on other sites

Cheers amanda, banks giving info in a straight forward format ... wow!

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

Link to post
Share on other sites

  • 1 month later...

Hi I sent my prelim letter to the Woolwich recieved a standard reply "sorry you are not happy, we'll get back to you sometime ......." then sent LBA 14th April, recieved letter today to say "sorry you are not happy, we'll get back to you by the 17th May, so consequently i've taken that as they are totally going to ignore my claim, as the 14 days are up on the 28th April. Im having nightmares about taking them to court and filling in the paperwork etc I guess thats what the woolwich are hoping for. I really do want to see it through but I am beginning to panic can anyone help put my mind at rest in anyway:? :? :? Keep looking at F&Q and getting more confused

Link to post
Share on other sites

DO NOT PANIC!!!

 

this is what the banks are hoping for

 

This site has hundreds of people to support you, and the more you read through other peoples stories the more confidence you will gain and the more you will understand of what the process involves.

 

It's a step by step process and each step is simple if you follw the advice given by people here.

 

Just take a deep breath, grab a cold beer in the garden and relax. then have a read through the threads on here and see how simple it really is.

Link to post
Share on other sites

Agree entirely with Pixel-there is no need to panic.

 

More and more banks are sending out these standard go away letters in the hope that people will either forget about the claim or fail to see it through.

 

Luckily you have joined CAG and this site is here to hold your hand and guide you through the steps that you need to take in order to get your money back.

 

If at any stage you get stuck just ask and someone will be only too happy to help.

 

Good luck

PPMAN159

 

If this comment has helped please click on the scales.

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...