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    • Hello, hope you’re all well.   Just an update.    We still have the vehicle, the agreement hasn’t been defaulted or terminated yet (even though we’ve not made any payments since January).    After a lot of back and forth, the finance company agreed to pay for an independent inspection at a main dealer BMW workshop.    Workshop came back and the vehicle has £6,350 worth of urgent repairs, everything from rear brakes being worn to the point there’s no pads left, rear differential bushes are degraded completely, and of course the big one, the timing chain mechanism is defective and needs replacing, technician also stated that it’s best to have a new clutch fitted to the vehicle as the clutch is heavily worn and the gearbox will be detached from the vehicle so it makes sense to put a new clutch into the vehicle to avoid having to do this again in 5,000 to 10,000 miles.    Finance company has been really patronising and has said that they will only pay for the timing chain repair, and this is as a good will gesture without any admission of liability as they are of the opinion £5,000 timing chain replacements are “wear and tear”, even though BMW has admitted it’s defective and are contributing to the repair, I’ve declined this on the basis it’s not “good will” to withhold a repair for 7 months and try to pass it off as “wear and tear”, I want the finance company to admit they were wrong.    Finance company is refusing to put right the rear brakes (which the vehicle cannot be driven unless they’re done because the condition is dangerous, having seen the video of the rear brakes I’m disgusted at the condition they are in), the finance company will not repair the rear differential and will obviously not put a new clutch into the vehicle, expecting me to make £1,500ish in repairs out of my own pocket.    I’m unwilling to pay for any repair to this vehicle as we have had 4 months of use age out of it, it cost £8,000 and already has £6,350 worth of urgent repairs required, this clearly shows it was not fit for purpose, not as described and not of a satisfactory condition.   Finance and supplying dealership are refusing the rectify the poorly done paint repairs that have peeled off both the front and rear bumpers, even though these were pre-agreed and part of the condition of sale.    Financial Ombudsman Service has not yet ruled on our dispute, however I now have an independent report that shows the vehicle was not fit for purpose, and the finance company/dealership should have repaired it when I made the request under s.23 of the CRA 2015 back in November 2021, they acted unlawfully and unfairly in refusing this, and refusing to carry out my rejection in January when they failed to repair the vehicle.    I’ve written back to the finance company refusing their proposal to have just the timing chain repaired, as I disagree with the premise of it being out of “good will” and “wear and tear”, I also believe that they are liable alongside the supplying dealership for other defects that could not possibly have occurred due to my very limited use of the vehicle. 
    • The banking giant has declined to comment on media reports that Stuart Kirk has been suspended.View the full article
    • Are we to assume that the asthma is not new and your employer fully infomed about this. 
    • right so you being abroad or informing SLC you were Abroad as the last address plays no part in this at all, thread title updated. total red herring.   your case is the same as numerous ones here already which you need to READ  type in erudio backdoor CCJ in our enhanced google searchbox. get reading a good few of the threads that search points you too.   your mistake is you returned to the uk, you failed to update your debt owners of a change of address as legally you are obliged too, and you got a backdoor CCJ.    your issue now again is the same as most of the threads you'll read, your SLC loans were last deferred to SLC before the gov't sold them to erudio in 2013. that means that the court claimform was issued more than 6yrs after your last written acknowledgement of the debt and thus was already statute barred.   can't see any point in an SAR to anyone.   just ring northants bulk and quoting the CCJ number from your credit file ask for a copy of the particulars of claim ANd the judgement CCJ by email pdf   dx  
    • and neither can drydens hence their twaddle.  and you need to remember that places like cab and ndl etc are funded by the banks and the DCA's in commission payments for signing people up to dmp's without ever questioning the debts enforceability under the cca 1974.   your n244 already has the background..   The Default Notice was issued dd/mm/yyyy and served several months after the initial breach thus the cause of action delayed by X months and the Limitations period prolonged to 6 years and X months which in effect allows the creditor to stop time running and the creditor having effective control of when a limitation period begins or even starts to run.        
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Claiming bank charges


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Well, two days to go before I send out the FOS letter to Sandy Watt and I've still not had any kind of update/offer/response from him.......I shall proceed to send this FOS letter on Friday and post it via registered delivery and email and see what the progress is then.

 

Lush :rolleyes:

Lush ;)

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So....that's the letter to Sandy Watt been posted registered mail and also emailed this afternoon....I received a very prompt response from Sandy via email to say:

 

Dear Miss Lush

 

Thank you for your e-mail.

 

Please be advised that we will issue our response to your claim, within the

time-scale, set by the FSA.

 

Yours sincerely

 

Sandy Watt

 

 

By my calculations, that leaves them up until Thursday 28 June. God, I really hope I hear a positive result before then, and I hope I'm on the right tracks...time will tell I spose.

 

Lush :eek:

Lush ;)

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Still nothing from RBOS, and under a week until I send my complaint to the FOS, which is fine, I think if I don't have a response by Thursday, Mr Sandy Watt and I shall have a telephone conversation.....

Lush ;)

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Woohoooooooo, yippeeeeeeeeee, aw ya wee dancer!!!!!!!!!!

 

I received a letter today from our friend Sandy Watt offering me settlement of what I claimed (less interest of course!), "as a gesture of goodwill".

 

I'm going to accept it, I never thought I'd get this far when I first embarked on my crusade with these guys, but boy was I wrong!!!

 

Thanks to EVERYONE who has helped me with this thread!!! Couldn't have done it without you!!!!!

 

Bring it on Halifax Credit card is what I say now!!!!!

 

.......where's that celebratory wine glass???

 

History:

 

Initial S.A.R - (Subject Access Request) submitted:23/06/06

WHOOPSSS, will send again with proper history!!

Lush ;)

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Woohoooooooo, yippeeeeeeeeee, aw ya wee dancer!!!!!!!!!!

 

I received a letter today from our friend Sandy Watt offering me settlement of what I claimed (less interest of course!), "as a gesture of goodwill".

 

I'm going to accept it, I never thought I'd get this far when I first embarked on my crusade with these guys, but boy was I wrong!!!

 

Now just to get the cash into my bank account!!!

 

Thanks to EVERYONE who has helped me with this thread!!! Couldn't have done it without you!!!!!

 

Bring it on Halifax Credit card is what I say now!!!!!

 

.......where's that celebratory wine glass???

 

History:

 

Initial S.A.R submitted:23/06/06 - No response

2nd Letter to Data Controller sent: 16/08/06

Letter asking for charges back sent:05/09/06

Refusal letter from RBOS dated: 29/09/06

:( GAVE UP THE GHOST DUE TO PERSONAL CIRCUMSTANCES :(

:evil: GOT MAD WHEN THEY CHARGED ME AGAIN EARLY THIS YEAR :evil:

Got my 2nd wind and re-calculated my charges

Request for charges back letter sent: 03/05/07

RBOS response acknowledging receipt of letter: dated: 07/05/07

Email and paper copy to S Watt of LBA submitted: 17/05/07

Further acknowledgement of claim from S Watt via email: 17/05/07

Enquiry as to how my claim was progressing via email: 06/06/07 (also threatened using FOS)

Acknowledgement from S Watt via email dated: 06/06/07

Letter to S Watt informing them of complaint at FOS sent via email and recorded delivery: 15/06/07

Acknowledgement of receipt via email from S Watt on 15/06/07

Offer letter dated:21/06/07

:D Received: 26/06/07 :D

Lush ;)

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I didn't have to go that far, as the RBOS offered me my charges back, however, that is the address where I had been sending my correspondance to Sandy Watt.

 

Hope that this helps.

 

Lush :D

Lush ;)

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  • 2 weeks later...

Hi Alpha

 

Many thanks and hope you enjoyed your break and also your money!! It's hard work spending it I tell ya!! NOT!!

 

Still working on the HBOS for my credit card charges so they now have until the end of this month to get a response to me for my charges so still playing the waiting game!!!

 

Watch this space!!!

 

Lush;)

Lush ;)

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Hi Lush

 

Just came back on site after taking a break. Soooo glad to hear your news!!!! Well done!!!:D

 

Hey same here. Been on extended paternity leave, just catching up. Very well done missy ;)

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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  • 1 year later...

Hey everyone!!

 

Sorry I've been away so long, had taken my eyes off the ball for a wee while......

 

But have found that they're at it AGAIN!!!!

 

Since I successfully reclaimed my charges from the RBOS in 2007 I decided that I'd spend tonight reviewing my finances and checking bills and statements etc, and when going through my bank statements have found that since July 2007 they have charged me £28.00 on top of my Royalties subscription fee onto my statement a total of four times.......aaaarrrrrrrgggggggggghhhhhhhhh!!!!!!!!!

 

Do I rant and rave or write complaining to them, where does the law stand on setting about claiming again??

 

Lush :rolleyes:

Lush ;)

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