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    • Thanks for letting us know about this. I'm afraid that this website is mainly bad news about companies so it's very refreshing and very decent for someone to come along and to give praise where praise is due. How about a link to their website?
    • Having a little additional think about this, I think that your interests are best protected in the following way: You inform the seller that you are obtaining the quotes which I have referred to above. Having received the quotes, you then inform them that you are proposing to have the work carried out at XXX garage and that you will expect that the seller will reimburse you for the costs and associated expenses. You can tell them though that you understand that they may want to control the work being done to the car and so you are willing to allow them to do it but as the fault has manifested itself at this point and that it is clear that the problem is their responsibility, if they wish to carry the work out themselves then they will have to organise the collection vehicle and the delivery of it to you once the work is completed. Of course this will be very expensive for them and they will either fail to respond or they will refuse. Whatever their reaction, you would then go on to say that as they have failed to respond/declined the invitation to carry out the repairs themselves, that you are now going to your preferred garage – one of the two quotations which you have supplied – and you will have the vehicle repaired there. You are giving them an opportunity to comment. I think that if you use this approach, then you will be able to demonstrate very clearly that they had a choice and therefore they will be unable to disassociate themselves from the repairs which are eventually carried out at your chosen repairer. Even though this exchange of correspondence may mean that it will take a week or so longer to have your repairs carried out, I think you should do this in order to protect yourself in the best way possible
    • Please name the dealer   I would start off by sending them a letter of rejection seeing as you are within the 30 days. This doesn't mean that you have to reject it but it reserves your position. Secondly, on the basis of what you say, I don't think that you need necessary to find the cheapest place. You should be looking at the best quality that you can find. I think the best thing to do would be to get to competing quotations for the work you propose to have carried out – and not necessarily at the cheapest place, but a couple of proper reputable garages – authorised for that kind of vehicle. Inform the dealer as to what you are doing and providing with copies of the estimates for the work before you put it in hand. Give them five days to object or to make other comments. Make it clear to them that once the work is carried out that you will be looking to them to reimburse you. Of course you are opening a can of worms here because if you get some further problems – more serious – you may find that the dealer is starting to say that because you have carried out your own work so your own repairer on the car, they cannot now say that any defects were inherent in the purchase – and that they may have been introduced by 1/3 party repairer. I'm afraid that you have certainly fallen into a trap of buying a car a long distance away from where you live. We find that people often tend to do that because they think the car they have found is the only one in the world for them. They forget to factor in the difficulties that they will be if there are defects – particularly if the car stopped altogether – the cost of transportation to the dealer, the cost of having to travel up and down the country to collect the car – and of course these difficulties could emerge several times through the initial years of your ownership of the vehicle if you are relying on your statutory rights and expect the dealer to meet those obligations. Furthermore, if you have to bring a court action against them you are now dealing with multijurisdictional claims – suing out of Scotland against the defendant in England and that adds to the complications. It's too late for you to do anything about this – unless you actually decide to reject the vehicle – but at the very least, other people who come across this thread may get some benefit from these comments. I think it's important for you to get the best quality repair you can and to make sure that the dealer is aware of what you are doing so that if later on they try to deny responsibility for further defects, that you will be able to show that they were fully appraised of what you are doing and they will have less room to manoeuvre themselves out of their statutory obligations. I'm afraid that purchasing a car from one dealer and then having it repaired by another service provider, brings into the same kinds of difficulties that somebody who purchases a central heating boiler from one supplier and then has it installed by a different supplier find themselves in. When things go wrong, the seller blames the installer. The installer blames the seller – and you, the customer, are piggy in the middle. Not a good place to be. I notice that you are doing things on the telephone. Big Fail! Read our customer services guide. In your situation you should be extremely careful to make sure that you have got a record of everything and a full paper trail
    • What information do DVLA need for a provisional licence ?   Think the ID issue needs to be looked at a bit more. Surely you have birth certificate, school information, Doctors records. School and Doctors should provide a letter to help with ID.                
    • Amex as with any creditor must help you the FOS should go with you and make them remove all interest charged from the very 1st time of asking for help. the FCA regulations actually almost dictate it, they most certainly clearly state that if the are FCA registered they must help.   it's very telling they have no marked your credit file....almost as if they know they are wrong. it's also telling that an irresponsible lending complaint might well be in order hear too, they can just keep upping the credit limit without checking you can pay. and ofcourse covid plays its part here and they've already admitted as they allowed payments holidays until october in line with the rest of the industry and they should be continuing that. you problem is you keep using the phone, no paperwork no record of things discussed. i'd get an SAR off to them. and get the comms/account log and all the statements from day one and go nail them.
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Sparkesister v HSBC


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Hi, I was just after some advice...

 

I'm claiming for just over £2K from HSBC and filed my claim with MCOL on 4th April, they acknowledged it then their solicitors wrote to say they'd be defending it. The 28 days were up on 8th May and nothing!!:sad: I called the MCOL Helpline and they said (as has already been said) that they were dispensing with the AQ.:grin: Great (i thought) but I haven't had any correspondance from the court or DG?! I just feel like my claim (which was my 'New Years' Resolution!') has come to a halt! Any ideas?! Also, I didn't send a summary of charges to the court, has that slowed things down and should I send one now, or wait until it's transfered to my local court?

 

Thanks (in advance! :-) )

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Guest ChloeJane

Hi there,

 

As they have written and stated they are defending, it is standard the MCOL will transfer it to your local court.

 

The basics - you filed on the 4th of April.

 

The defendant has 14 days from the date of service of the claim to respond. The date of service is calculated to be 5 days from the date the claim is issued.

 

The defendant should complete and submit his defence within 14 days of the date of service of the claim, unless an acknowledgement of service was filed, in which case he should respond within 28 days from the date of service.

 

So ......by all good intent Tuesday the 8th, was when MCOL would have it begun to be in the process for transfer to your local court. As you have lost 1 day with a public holiday, it can take up to 14 days from the date of transfer from MCOL to your local court, so hang in there.

 

CJ

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Hi, My claim was filed 20th March, so im a little ahead of you. I didnt realise about summary either.

 

You need to send the court & DG a copy of your Summary of charges, ( you could wait till court transfer arrives now, i think as its probably close to the time it will arrive anyway & could cross & get lost in system) i got a copy somewhere of what letter to send , but server must be down,ill put link on here when its working again.

Also ring your local court when the transfer comes through, to see if they need you to pay the £100.00 AQ fee, in some courts they still require it to be paid, even if they dont require AQ filling out, so ring asap to find out. ( mine did, another £100 on HSBC bill LOL )

I got a letter today from court asking for summary charges for their purposes ( as opposed to DG asking court for it i suppose), so i had to ring and ask them to check, they had received it but had crossed in system so i know its there now, letter also incuded Judges name, but no date, so it must be getting close to him having a look, so we will see how long it takes

 

Ahaaa working again, ok Look for post 42

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/84022-celicaman-hsbc-3.html

 

Cheers to Givememymoney :cool: for that one, remember to change address where it says Nottingham court, to address your claim is transferred to.

 

Good luck, watch my thread if you like, see how i get on

 

CM

Templates Library

 

GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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Thanks CJ, I'll be patient, you've put my mind at rest!:)

 

CM, I'll take you're advice and wait for the transfer before I send the summary and thanks for the offer of a letter template,

I'll definitely use it. Thanks! :)

 

Hayley

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and if you didn't send one to the court - i'm thinking you didn't send one to dg solicitors either, correct? well, now is the time to send them one - they never make an offer without one - so -send them one today - then when you get your transfer notice - start sending nudge letters to dg - one letter every 10-14 days and each letter with a breakdown. for ideas for the letters - see the thread in my signature - new-28 days......

 

it has - in post one - some ideas for letters to send - encouraging dg to settle the claim by sending you an offer. that is the idea - get dg to make an offer. the court side is really secondary as they always offer before the court becomes a real prospect.

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Gawd i think i need glasses just been reading latties post 'after 28 days, no AQ' and read ..............

' they may advise mediation'

as

' they may advise medication'

 

had to re - read to find out if that was for us or them lol

Templates Library

 

GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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Thanks lateralus! :D You're so right I didn't send one, but I'll do it today. Do you have a template letter to put with the summary, or should I just make sure I include my claim number etc?

Thanks again!

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that would be fine.

 

or this:

Dear Sir,

 

(Your Name) -v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a copy of my schedule of charges relating to the above claim.

 

(If, and only if, you are claiming overdraft interest on your penalties, also include this paragraph)

 

 

I understand you have a policy of initially rejecting claims for overdraft interest. However, should this be the case after you have reviewed my claim, you should be aware that my claim for overdraft interest has been meticulously calculated and double checked. It only ever relates to the cumulative charges within the overdrawn balance of the account at the point that the overdraft interest was debited

 

If it is that in your view the interest is not claimable, I am prepared to discuss this with yourseves and the judge in court.

 

Yours sincerely,

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Got my 'Notice of Transfer of Proceedings' today, so I've sent a list of charges to my local Court Manager here in Blackpool. I also took this threads advice and also sent a list of chargers to Kate Eaves at DG (signed for mail, of course!).

So, can I just check that I'm now basically waiting for a local court date?

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When you get the Date Just kept sending a nudge every 10-14 days

 

You are nearly there!!

 

 

Oyster

If i've been helpful in any way....then tip my scales over there!

MCOL Filed 26th Feb 07

:-)

Defended 26th March 07:rolleyes:

PRT @ Cambridge 13th July 07:wink:

1st May Full Offer:grin:

Cheque arrived 16th May8)

 

 

 

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Thanks for all your help so far, but I was just wondering how long it takes to get a court date? I got my Transfer of Proceedings through on the 16th May. Am I just being impatient?:o

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Thanks for all your help so far, but I was just wondering how long it takes to get a court date? I got my Transfer of Proceedings through on the 16th May. Am I just being impatient?:o

 

 

I got my transfer notice 18th April, and only got court date yesterday, so reckon you got to wait a little longer.

Have you sent copies of summary of charges to the court as well

 

CM

Templates Library

 

GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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  • 1 month later...

Ok, now I'm panicking!! Got my Hearing date through.. It's Friday 17th August at Blackpool County Court at 2pm. I haven't heard a word from D&G! So gutted it has got this far.. I know loads of people who've been made offers, so.. any ideas what I should do now?! Am I really best leaving it to go to court?

I'll be really grateful for any advice!

 

Hayley

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It is the norm not to hear from dg yet. As long as you have sent your nudges and your schedule of charges then you are on the right track. DG seem to be making offers when they receive the court bundle. This usually has to be delivered to the court and to dg by 14 days before the court date.

Have a read of the court bundle threads and start preparing it. Just as if you need help doing it.

Once they receive the bundle they will make an offer. You will get your money.

 

This thread takes you through the bundle step by step court bundles for dummies

  • Haha 1

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hi there i have had a court date aswell 24th sept.. derby court... how many nudge letters have you sent DG??? i am a the mo looking at getting court bundle together!!! have you got yours organised? advice i have had is to have it ready but not to print out till very last minute as its a lot of copying and you may not need it!! but having said that it would seem the bundle going in sparks of an offer from DG!!! when did you start you cliam??

syds mum :) :)

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Hey Sparkesister, your hearing is on my Birthday, so saying as you will have the cash in the bank by about the 10th, you'll be able to buy me a pressie LOL

Hey freaky, did i tell you i won :p

 

CM

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GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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hi freaky its syds mum.. i am a bit confussed:???: had my court date and says"The claimant shall within 21 days of service of this order send to the defendant and to the court...." does this mean 21 days from me receiving this corut date or 21 days from actually court date (my date is 24th sept) :) :)

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come on freaky, you can type faster than that, or should i answer for you & steel the click on scales LOL:p

 

CM

Templates Library

 

GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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Hi sm. The order you have received is a new direction that we are only just seeing. It means what it says. 21 days from receiving the directions. I think the courts are doing this to try and get the cases settled early. So get it in by 21 days from the date on the directions.

[sIGPIC][/sIGPIC]

 

Welcome to the Consumer Forums

Free advice and support to to solve your consumer problems.

You will soon discover what a friendly place this is and get lots of hints about standing up to consumer bullies or dealing with other consumer rights.

 

Which guide to the Sale Of Goods Act

 

New advice guide explains credit card rights

 

Help the CAG!!

Make a donation

 

ARE YOU A VICTIM OF COWBOY BUILDERS?

 

Has your RBS account been transferred to Santander?

 

Forum rules. Please read these before posting

 

PLEASE CHECK OUT THE CAG LIBRARY!! IT HAS LOADS OF USEFUL STUFF IN THERE. CLICK HERE

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come on freaky, you can type faster than that, or should i answer for you & steel the click on scales LOL:p

 

CM

 

LOL. It's early and I have a hang over! LOL:p

[sIGPIC][/sIGPIC]

 

Welcome to the Consumer Forums

Free advice and support to to solve your consumer problems.

You will soon discover what a friendly place this is and get lots of hints about standing up to consumer bullies or dealing with other consumer rights.

 

Which guide to the Sale Of Goods Act

 

New advice guide explains credit card rights

 

Help the CAG!!

Make a donation

 

ARE YOU A VICTIM OF COWBOY BUILDERS?

 

Has your RBS account been transferred to Santander?

 

Forum rules. Please read these before posting

 

PLEASE CHECK OUT THE CAG LIBRARY!! IT HAS LOADS OF USEFUL STUFF IN THERE. CLICK HERE

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o.k no probs the other thing is can you send in your bundle on disc instead of wasting trees??? surely the courts have computers does any know or even asked?? would be a lot easier!!!:)

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i think the wheels of justice move ever so slowly - they don't even like e-mail communications - so stick to the old stand-by's for now - hard mail and hard court bundles.

 

both syds mum and sparkesister - it would be best if you put your court directions up here for us to take a look at just to be certain of what they require - xxxx out personal details.

 

syd's mum - put yours on your thread - we'll watch for it.

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Hi sm. The order you have received is a new direction that we are only just seeing. It means what it says. 21 days from receiving the directions. I think the courts are doing this to try and get the cases settled early. So get it in by 21 days from the date on the directions.

 

Yep as Freaky says, then the bank have 21 days after that to not get theirs in, then i would reckon its a strike out against the defence LOL

 

Hey freaky

Hello :p :p :p Are we suffering

CM

Templates Library

 

GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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