Printed reciept as it is a major national dealership. With cost and VAT quoted separate. Vehicle was also bought on HP and I am aware I have recorse to the HP company, another well kown name, and will alos do so once I have a good idea of the legitimacy of the VAT charge. Just not sure of the way VAT is charged on second hand cars vs second hand commercials when sold by a dealer.

Here we go, Just bough a new CAR, which is derived from a van. Having been looking at the registration documnet it says Class CAR MPV. And I have confirmed this with the customs website (HM Revenue & Customs: Reclaiming VAT on cars and motoring expenses) as it is a Combination van meeting the criteria stated to be a car. The vehicle was second-hand but I was charged the window price + VAT is this correct? I did'nt query it at the time as I though being a combi it would be classed as commercial but customs and DVLA seem to think different. I am bouncing other stuff back to the dealer anyway as I am having problems with them. Should I request the VAT back? Will they still pay the VAT or will it go into thier pocket as profit? if the latter I want it for me. Any help appreciated, it is a national dealership and now the salesman has blatantly lied to me over other things I'd like to screw them to the wall and this would be ideal. I am a private buyer and not buying it for business and the dealership was fully aware of this. Also I will no be attemting to recliam the VAT (other than from the dealer, possibly) I look forward to your thoughs and have a merry christmas one and all. HT7

Yes, unfortunately almost a mirror of the previous letter but now they refuse to speak to me. I will scan a post a copy of the second reply tomorrow when I have a bit more time. Going to have to go through the ombudsman scheme, not enough money involved to take them to court. Will post more tomorrow hope you do better than I did, although they seem to want people to take them to court at the moment. Just neeed to keep the pressure on. If you get the same response try my letter above as I didn't think they could contermand that. Also look at the FSA ruling against them as that has all the details and timeframes if claiming you no longer trust them. ht7

Hi oggy, yuor case intereests me as I'm just taking on crap1 myself. If you intend persuing crap one further you may like to follow my thread. I have included a link to the FSA case against them in the thread. Additional info for you that might be useful is in the FSA finding there are blatant admitted mistakes in their management of PPI especially if your account was opened in the 2005/2006 period. More details in my thread especially the link to the FSA judgement. Hope my info is of use. HT7

Many thanks all who've replied so far. Looks like I've got a weekend of letter writing ahead. Ireally expect this to be passed on again. What amazes me is that they can interfere with credit files despite the fact the debt is illegal. That's like letting the prisoners run the prison!

Yeah sounds like a good idea will do that thanks

Ok have sent moorcroft thier letter, however have just looked through my files and prior to wescot this was also with triton! Want to complain does anyone know if template complaints to the OFT / FSA exist regards companies passing on details of accounts under dispute. Could you steer me in the right direction and I will make a formal complaint to various registrars.

Sparkles, What EmmaF is trying to say just to make it clear to you, 1) When you stop paying during a normal credit agreement the Credit company or DCA say you are in default of the agreement, and could issue a formal Default notice against you. This is one type of default i.e. you are in default of your agreement with them. HOWEVER 2) When you issue a CCA request to a company they have the previously mentioned 12 days to reply. If they fail to reply the DCA or Credit Company is then in Default of the Consumer Credit Act. If they are defaulting on the act they are unable to legally collect. This is where you need to clear up which default people are talking about in these forums. In most cases people will refer to default in respect of item 2 i.e. the credit company or DCA is in default. p.s. glad rory cleared the other bits up as I know the outline basics but still getting to grips with theis myself.

Ok, my apologies as I was vague. The DCA has 12 days to prove the debt the +2 is to allow for postage (there is legalese for this but i'll keep it simple). After 12 Days and no proof the DCA enters into a 'default' that is they are not complying with the CCA. After (a further?) 30 days from the 12 the DCA is commiting an offence i.e. they are demanding payment of an illegal debt. While the account is in dispute i.e. until they produce a valid CCA no payments can be expected from the party against who the claim is made. (I worded this carefully as if they can't prove you owe them money you are not a customer of the credit company or DCA!!)

Until they PROVE they have a legal and binding CCA you owe them nothing and should enter no dialogue, other than the letter templates within the site. Next dialogue with them comes at either 12+ or 30+ days. This is the end of thier periods to prove the debt.

Being fair the letter may have been sent when it said. The problem is withthese comapnies they use the likes of walksort etc (private mail companies) so there's usually no post mark to confirm. From the sound of it you have done everything right CCA, SAR, enclosed Postal order, and checked they've recieved it. It may take a day or so from thier reciept for the notes to be placed on your account (remember these companies deal with hundreds of people in debt), or event for it to hit the right desk. In a few days you should recieve a letter from them confirming reciept, this will depending on the DCA encourage you to keep paying. You may also recieve a letter stating payment not recieved if you've stopped paying. REMEMBER you DO NOT need to pay ths DCA another penny until they turn up with a valid CCA (by valid, i mean fully legal meeting all the terms of the act). Things will carry on for a long while and in the end get quite fun. I now have one debt thats gone through three DCA's been put into dispute with each one and they're still passing it about contrary to the FSA regs!!! It's a big game. They want your money, they can't prove it's legal so hassle you in the hope you'll back down to their threats. Eventually they do give up though.

DO NOT REPLY TO THEM ESPECIALLY IF THEY HAVE RECIEVED YOUR CCA. They are trying to get a dialogue going to persuade you to pay money you probably will never need to. This is a standard tactic. It's only 32 each satmp but don't waste it on a DCA. Also reme,ber DO NOT hand sign ANY correspondance with a DCA

Sparkles, If have CCA's them then while in dispute the debt can not be collected against. Did you post by recorded delivery? Have you checked they have recieved your letter (post office track and trace). If so they are TRYING to panic you. Calm down and wait it out. It sounds simplistic and too easy but things will happen in time.

Although reasonably large I can thougholy recommend Demon. Had lots of issues with other ISPs and when I moved back to my house in Scotland lots said BT couldnt supply a braodband line. Demon looked at it and somehow convinced BT to route me a line from a difffernt exchange and even chased BT on my behalf when things were dragging on. Live in a very rural area but even so speedtest.net gives me in the region of 5000kbps downline and 400kbps upline. This may be artificial as I expect MY contention ratio on the exchange is quite low for my ISP however. On the one occasion i have had to use tech support they were very very good, techies not just call centre! Various packages inluding fixed IP i am quite heavy on dowloading esp linux iso and other gnu programmes never had any issues with fair use policy and not heard of anyone with demon with issues. They were recomendded to me by a BT engineer at my old house! as one of the best isps.

Hi all just checking a few things as I can only find the initial template for claiming PPI. I have sent initial request template to Cap One the have responded with the following, which I assume to be a template from them (to prevent pay out). I Intend responding with the following having found the full FSA ruling against them (for info the link is here http://www.fsa.gov.uk/pubs/final/capital_15feb07.pdf) Does anyone think I should add to this or is this sufficient as a response. (feel free to use this letter anyone else in same situation). Thanks in advance HT7