BreadAndButter

Cancer and cancer hospitalisation and major surgery.- that will be deadline exception.

6 weeks since any response from anyone on here. Have we lost it all? No other routes for complaint or refund? ok i will search How can i proceed?

Hi all The SAW was posted on here 3 weeks ago - is there anything i can do?

Im wondering if next point of call realistically is to complain about the bank not issuing my charge back based on lack of evidence.

case notes.pdf Complete case notes and uploads sent to them of vehicles they owned (and likley stored to be resold by the new name).

Sorry, its been a manic few weeks, Cancer surgery for the OAP who lost the car and money, needing to buy two cars, emergency rat infestation and a death in the family (again mother of claimants girlfriend), so very little time an energy to proceed. So, finally got the subject access request back, pretty empty tbh i was hoping for a full chat/decision log but just got what i submitted and what i got via email. Ive added the complaint response below. Still nothing from the Sheriffs office! also from GOV.uk: Can we stop them being struck off as they should pay any outstanding creditors? scan-hv6us5RgPx-compressed.pdf

SAR sent Thursday for the Sheriffs Office SAR sent for the bank re: the charge back. On that, they just kept fobbing us off on the phone after chasing for a reason for the closure. We were notified by email - thanks for the request to charge back but on this occasion its not possible. We then complained and got a final "we've looked into it and we are still correct" letter by post as kind-of expected when they said they would review the case. Useless basically MY point is if they had issued the charge back a year ago i wouldnt be in this mess. They took it on themselves to be adjudicators, so they are now liable in my eyes. The courts have proven they were wrong, ive given the evidence needed, they now owe me the money Maybe this should now be treated as a fraud case and a scam as this business, as seen by the reviews on google, show they start up business, sell crap cars they know are bad, close down when taken to court and dont file taxes. They do it all again under another relatives name, Abusing the limited liability system. A human being and money, in the UK, should not be able to be untraceable. Maybe we now need outside help who have scammer/fraud resources for tracking criminals and rogue traders. Something like those who OAPs go to when they are scammed online, over the phone, or door to door - maybe there government money for this too somewhere.

WOW - just got off the phone from the Sheriffs office asking for a timeline of events in case we missed anything (and to push for more service) "you'll need to file an subject access request" they wont hand over the info on my file unless i force them to. Wow. Just wow. Avoid. ..... I had an idea on his address. I got the address for the director. The Sheriffs office went to his house a few times, banging on doors - the neighbour came out and said no-ones lived there in years. the business, set up to be taken down without a trace STILL, he must have tax records to file? he cant avoid HMRC, what could i do there? Or companies house maybe, worth a dig. His property is supposedly up north in Leeds, 100+ miles away.

Is there a way the bank could be forced to charge back and/or reimburse for NOT carrying out the charge back as instructed? By the financial ombudsman for example? Also, can the court order be changed to the individual instead of the now closed company name? (its not yet fully closed actually with HMRC but they have moved and gone AWOL so near as dammit) If i changed the order to the director possibly i could get the money direct from him? (if he can be located)

Recommendation on this thread. Originally was going to go with an enforcement company in Northampton but, well went with advice. S.O. were slow to respond, had to chase them to do anything and they didnt seem bothered about any info i gave them. DCBL - any idea of costs? The guy will flat out refuse any debt letters if thats all they do

Rang police, told them a bit about the story. They said its a civil issue and to go get Citizen's advice. Ill summarise rest when i get a minute Im ringing back to get their complaints procedure and the names of those refusing to register car as stolen 1. The claimant purchased a car, Kia Piccanto, for delivery, registration NL13 AHC described as good condition and good working order with MOT over the telephone. He paid the asking price. 2. The car arrived on 12th January but had multiple issues and was not fit for purpose. 3. The faults included: The discs and brakes as a whole are rusty, the car juddered heavily under braking and would not stop properly. A wheel nut was missing (dangerous). Cigarette lighter was not working. The Tail would not open properly and the boot cover for the release is missing meaning water can come into the car. There is also an oil leak at the top of the engine and black soot is coming out onto the driveway. None of this fits the original description of the car. 4. Motormart Ltd.accepted the claim and picked up the vehicle on the 15th January with a note from Richard with all of the faults. 5. As a gesture of goodwill on his part he has put £30 fuel in the car and did not wish for this back. 6. Since then, multiple phone calls have been made in an attempt to retrieve the funds for the car. The claimant was told he would have to wait a long time for this refund, that he was a liar and now the company have blocked his phone calls 7. Family members have since tried to converse with the company but received either verbal abuse themselves and/or blocking of their number also. 8. Halifax called and asked to reverse the payment. This was refused due to 'lack of evidence' 9. The court claim was completed, to high court and then over to The Sheriffs office. 10. Sheriffs office closed the case as they cannot locate the company or director. 11. Registered car as stolen - declined by the police as a civil issue. 12. Re-opened case with bank as Proof from high court is sufficient - Told its been too long since the claim and reversal is now not possible. Currently: Out of pocket for court and Sheriffs costs, no car (logbook updated December so its been sold), no refund received, company has closed down and a new one in its place with different stock, no reversal by bank. Update from the Police - They will not register it as stolen as its a civil issue. As the court have ruled in favour, its up to them to enforce it (go ask them what they are doing about it) I dont think civil cases are her forte They said to go back to the Sheriffs office and complain there as they've not done their job of recovering the money. What next guys? Short of going with a solicitor, no win no fee (were out of cash) who can just run with it, I dont know what else to do to recover now £4000+ Complaint to the financial ombudsman sure.. will that achieve anything other than a feel good factor?

Do we all agree to register the car as stolen? I have one suggest it here, i need a general view.

OK they got back to us after much chasing: 4 February 2025 Thank you for contacting us regarding your complaint. Please find attached a copy of your resolution letter. Although I hope it won’t be necessary, you have the right to refer your complaint to the Financial Ombudsman Service, free of charge – but you must do so within six months of the date of this email. If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances (for example, if the Ombudsman believes that the delay was as a result of exceptional circumstances). I have enclosed the attachment to a leaflet providing further details of the FOS [www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm]www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm. Further information is available on their website [www.financial-ombudsman.org.uk]www.financial-ombudsman.org.uk Thank you again for contacting me and please let me know if I can be of any further help. Yours sincerely Will Davies Customer Service Team Learn about our complaint handling process http://www.rbs.co.uk/howtocomplain Dear Mr x Thank you for contacting us on the 31 December 2024 to let us know about your recent experience. I’m really sorry to hear you’re unhappy with the service we’ve provided. I can understand how frustrating this has been for you. Thank you for your patience while I’ve looked closely at what’s happened. I am very sorry for the delay in responding to your complaint. Your Complaint My understanding of your complaint is that you are unhappy with the response to your dispute claim, being that we are unable to assist with your dispute claim and now it is out of time. My Investigation Firstly, I am sorry to learn of your recent experience with The Royal Bank of Scotland and for any inconvenience caused. I appreciate that this must have been a very frustrating ordeal for you and I am sorry for any trouble and upset caused. I am sorry to hear of your recent dispute. We will always try to assist our customers to the best of our abilities however when it comes to disputes our hands can get tied due to the Chargeback Scheme not being run by financial institutions, but by the card providers. When a disputed transaction arises upon an account, we would have no direct contact with individual retailers. Any investigation we undertake would need to be done so direct with the retailer’s bank, and also in accordance with the relevant card scheme rules being either Visa or Mastercard. This procedure is known as a 'chargeback' and is the same procedure all card issuers would have to adhere to. As such, we are only able to assist in certain instances and we also have to follow the strict Terms and Conditions and timescales set by the card provider for any claim to be valid. I have viewed our records and I can see that you have a dispute claim that was raised on the back on the 28 January 2024. This was for £3655.00 to Motor Mart LTD. Having reviewed the dispute claim and all of the notes, the claim was rejected on the on the 15 March 2024 with an unable to assist response due to not having all of the valid information that we requested. Unfortunately, there is no chargeback right for the dispute you tried to raise. We can only dispute if certain criteria is met and in this instance, under Mastercard’s chargeback scheme there is no dispute right based on the information we received and therefore the Bank is unable to assist you. The dispute is now well out of the timescales we have to be able to raise a chargeback. Generally, the time frame allowed by MasterCard for a chargeback to be raised is 120 days from the date the transaction was posted to the account. Unfortunately, your transaction has passed this timescale so as much as we would like to assist you, we do not hold a dispute right under the strict terms and conditions of the scheme. You may be able to seek further advice from Trading Standards or your local Citizens Advice Bureau. In relation to the issue you have raised, I am unable to agree with your complaint as no bank error has occurred and the correct processes have been followed. I can see from further notes and records that you have taken this to the high court and received a judgement order against the company. This would now also be a legal matter between you, the company and the courts which we would not able to get involved with. I can only apologise for any trouble and upset caused. I acknowledge your comment about your health situation which is why you wanted a written response. We do have a facility for customers called Banking My Way. I would like to advise we have opened a dedicated support line to support our vulnerable customers and those over 60. The number is 0800 051 4177 and the line is open from 8am to 8pm, 7 days a week. Colleagues can help customers with: • Everyday banking and credit cards • Becoming digitally active and support building confidence and becoming independent online • Lost and stolen cards • Emergency overdrafts and lending Please kindly note that colleagues from this team are unable to over-ride or provide work around processes that are there to protect our customers from potential fraud/scams. You can also add a Banking My Way note to your account on your online banking. The link below contains information about Banking My Way, our service that allows you to tell us specific information about you and any vulnerabilities you may have, so that we can better help you in the future. We will also be able to suggest additional support for you to use in your day-to-day banking should you require them. For further information please visit: https://www.rbs.co.uk/accessibility/banking-my-way.html Alternatively, please visit your local branch and a member of staff will be happy to assist you. I appreciate that we haven't been able to reach agreement on the issue you have raised. I hope my explanation clarifies matters for you and explains what has happened and why. Just to let you know, we may issue surveys via email to our customers after they have raised a complaint. Should you choose to complete this, I wanted to let you know, this survey is specific feedback for me and not in relation to any interaction you have had leading up to this. Please let me know if you feel there’s anything I’ve not considered, if anything mentioned is incorrect or you remain unhappy; so I have the opportunity to put things right for you. If you need to get in touch, you can speak with me or a member of our team on the number quoted above between 9am and 5pm, Monday to Friday. If you’re calling from abroad, please call +44 1702 814 306. Calls may be recorded. You can also email any additional information in relation to your complaint to [email protected]. Please remember to include your complaint reference number. Relay UK is a service aimed at supporting our hearing impaired or speech impaired customers. To use this service, customers can download the Relay UK app or when using a text phone prefix our telephone numbers with 18001. You can use Relay UK or a text phone abroad. Just dial Relay UK +44 151 494 1260 and enter our overseas number. Visit www.relayuk.bt.com to find out more. For more information on accessibility please visit rbs.co.uk/accessibility. or speak to one of our colleagues to find out what other support we have available. Although I hope it will not be necessary, you do have the right to refer your complaint to the Financial Ombudsman Service, free of charge – but you must do so within six months of the date of this letter. If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances (for example, if the Ombudsman believes that the delay was as a result of exceptional circumstances). Here is a copy of the Financial Ombudsman Service's standard explanatory leaflet financial[1]ombudsman.org.uk/publications/ordering-leaflet/leaflet and further information is available on their website financial-ombudsman.org.uk. Yours sincerely, Will Davies Complaints Specialist Enc: Financial Ombudsman Service leaflet (via link)

Sorry ignore that false information Yes it was a debit card, confirmed today. faulty car? At this point id take it. They have however stolen it, kept the money and its now likely up for resale as its just been taxed and mot'd

Yep understood. I didnt see your message until after the call, but I have said exactly that - we opened the chargeback within the allotted timeframes and they (natwest) took it upon themselves to be adjudicators instead of following a direct order to charge back. Ive now had to go to the high court for an order as proof and now you (natwest) tell me it is no longer viable. Ive said ill be taking it to the ombudsman and we will. We've spent many hours and hundreds of pounds trying to enforce this so were not stopping here. Oh and i notice the company have now changed names to 24/7 Finance, maybe we can get the order changed to this new name and reinforced? Cheers +