Jump to content


  • Tweets

  • Posts

  • Recommended Topics

  • 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

Style Store Card....anyone???


jellybabe
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5218 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

can someone just clarify one thing for me please? I found a couple of years statement from when i initially sent my S.A.R. to style a couple years ago. I am starting to prepare my spreadsheet with those statements.

Question is:

Let's say i had a charge in june and then not another until october or so (just an example). Do i still put the interest they charged me onto my spreadsheet from those months where i didn't have a charge?

Or do i just include the interest and charges in my spreadsheet from the months where they actually put a charge on?

I hope anyone understands what i'm trying to say.

Link to post
Share on other sites

  • Replies 89
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

HELP peeps please!

Just had a letter from Style, and it is a deafault notice???????

I know i am 2 payments behind, and i was just in the process of clearing them. But surely sending me a default notice without prior warning isn't right, is it????

Link to post
Share on other sites

Two months arrears is normally the point at which you will be sent a letter like this. Halifax and RBoS dis similar to me a few years back but I managed to avoid further action by paying the same due within the mentioned timescale.

 

Can you make payment of the amount shown before the date in question?

 

If you can, you'll note that the letter states that they will take no further action before then. I've had letters like this before and they have terrified me, but luckily as I was able to make a payment of the sum due within the relevant timescale it has prevented any default being registered with credit reference agencies. The only info that went to CRAs was the 2 late months arrears.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

Link to post
Share on other sites

Thanks bathgatebuyer,

Payment has been made already yesterday for the arrears.

I never had a letter like this before and that's why i went into full panic mode. I thought it was a proper default that is going to be registered on my credit file.

Thanks again for clearing that up for me. I was quite shocked when i received the letter this morning.

Link to post
Share on other sites

I know the feeling! I got a few of these delivered when I was out of work and managed to beg and borrow cash from other people to make good the arrears within the timescale on the Notice.

 

It would be worth sending them a recorded delivery letter confirming that payment has been made (confirm the date and method payment) and state that you deem that the requirements outlined in the Notice have been met and that no information will be passed to CRAs as a result.

 

From memory, I did something similar and gave me something to brandish at them in the event that they made an error and did send something to CRAs about a default. (I'm overly cautious with any bank and take a belt and braces approach with everything they do now)

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

Link to post
Share on other sites

Thank you again,

will prepare a letter a letter tomorrow and post it here. Maybe you would be kind enough to have a quick look at it before i send it?

It wouldn't surprise me if they'd try and use all this to there advantage.

At least i feel a little bit better now, thanks to you.

And i will hit them when they comply with my S.A.R. I know i've had quite a few charges on that card.

Link to post
Share on other sites

Hi there,

i had a bit of spare time this afternoon and drafted the letter already.

Dear Sir/Madam,

I can confirm that a payment of £74.07 has been made on the 20th June 2008 via Online Banking. You should receive payment within the next 5 working days.

I therefore deem that the requirements outlined in the Default Notice have been met.

I would appreciate if you would acknowledge receipt of the funds and confirm to me that no information will be passed to CRAs as a result.

 

 

Yours faithfully,

Would this be sufficient? I'm not too good in writing letters like that in English. I am more fluent in German when it comes to ofiicial letters.

Link to post
Share on other sites

Yeah that sounds fine with me. I had exactly the same but the default never appeared on my credit file. I really do think its just a scare tactic!

Victoria :)

 

Vixsta14 vs Barclays bank: Won paid out £900 :lol:

Vixsta14 vs Clydesdale financial (Barclays Partner: Still ongoing :(

Link to post
Share on other sites

  • 4 weeks later...

Mmh, 10 days to go until Style's time runs out to supply me with my statements.

Started my spreadie already. Had a couple years worth of statements, and also the latest ones.

I have about 13 months worth still missing, and am waiting for style to send them to me now.

I wonder if it'll be worth a shot to just send them a reminder letter?

Link to post
Share on other sites

Oh my word thats Friday!! I really hope you get them back... Im so lazy I haven't even sent my SAR off yet. I have a funny feeling that when I do they are going to claim to have no information.

I'm really not sure what you would need to do next. I'll see if I can find out!

Victoria :)

 

Vixsta14 vs Barclays bank: Won paid out £900 :lol:

Vixsta14 vs Clydesdale financial (Barclays Partner: Still ongoing :(

Link to post
Share on other sites

Ok I'm back and slightly wiser that I was 5 mins ago! :D

 

If they haven't arrived by Friday you need to report them to the information commissioner for a breach of rules and they can assess your case. Im not sure if I can add a link but if you google ICO im sure the website will come up... but hopefully it won't get to that :rolleyes:

I shall keep my fingers crossed for you.

Victoria :)

 

Vixsta14 vs Barclays bank: Won paid out £900 :lol:

Vixsta14 vs Clydesdale financial (Barclays Partner: Still ongoing :(

Link to post
Share on other sites

Thanks for all that vixsta14, :-)

much appreciated.

Don't knwo why they're pulling it like that. Good job i send everything recorded. And luckily i've got the delivery proof aswell.

Thanks for your help

Link to post
Share on other sites

Ooh I hope you get them tomorrow otherwise they won't know whats hit them!

Victoria :)

 

Vixsta14 vs Barclays bank: Won paid out £900 :lol:

Vixsta14 vs Clydesdale financial (Barclays Partner: Still ongoing :(

Link to post
Share on other sites

Ok, post just been and guess what.......NO statements!

I was very generous with my deadline and they stillhaven't sent me my stuff, nor have they acknowledged anything. I know the letter with the postal order has been delivered (i have proof off Royal Mail website). What i haven't thought of yet is to check if they cashed the Postal Order??Is that a problem??I thought they got the letter so they have received the Postal Order. And it's there problem to cash it or not.Am off to the post office in a bit to find out more.

I am getting sooooooo p***** off with them.

I have most my statements but 13 months worths are missing. I don't want to start until i got them all, otherwise i have to start another one once this is settled to get the rest. And i'd rather do it all in one go.

Link to post
Share on other sites

right, i just added a few bits to the template letter and wondered if that is ok?

02.08.2008

 

LETTER BEFORE ACTION

Section 7 – Data Protection Act 1998

 

Dear Sir/Madam

 

Account: xxxxxxxxxxxxx

 

You have failed to comply with my Data Protection Act Subject Access Request dated 20.06.2008.

It was received by you on 20.06.2008, which i have proof for off Royal Mail, Item nr. DHxxxxxxxxxGB.

Postal Order nr. xxxxxxxxxxxxxxxxx.

 

If you do not comply within the next 7 days I shall seek a Court order obliging you to do so together with damages at the discretion of the Court and without any further notice.

 

 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...