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About snico4

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  1. The boost pipe is fine, I checked that myself. The Problem is the turbo itself, the actuator is sticking inside.
  2. Just got off the phone to the dealer, after numerous calls trying to contact him. I have told him straight out that I would like a full refund on the car, plus the costs I paid for, under his advice for the diagnostics check. He has told me that they will not give a refund as its not their policy, i'm sure their policy cannot overule law? I suggested a would get the car repaired locally, and he can sort the cost out through the warranty, which he originally suggested first. He has now told me that the warranty might not cover the cost of repairs and I could be left out of pocket
  3. Well the dealer is stalling at every chance now, never returns calls etc. Only speak to him after calling numerous times and he eventually answers. Saying that, the car is still in my possession and still faulty. I have decided now to proceed with court action to recover any costs, this is going on for too long.
  4. Adviceguide doesn't seem very clear, they state I can demand a repair, and then they state I cant under the SOGA. Either way, if he offers to refund me, I will be asking for costs also from the inconvenience he has caused.
  5. Thanks for the reply. I'm hoping he does repair it, but I would like it repaired to a satisfactory standard. The cost of some of the things I predict are at fault could be costly, so I was thinking he might just take the car back. Does he have the final say? Can I demand a repair or does can he refund me if he wanted to? I cant seem to find any solid info on that issue.
  6. I'm looking for some advice or clarification on an issue I am having with a car dealer. After having my car stolen in February and being paid out from the insurance, I decided to replace the car like for like. I eventually found the car I wanted, a year newer than my last model, from an independant dealer a few miles away. Now when I picked the car up (Mondeo TDCi Zetec) I noticed it was very sluggish on start, and blew some smoke out under acceleration. The dealer said it was probably because it was stood for a while, and to give it a good blast on the motorway, in some ways that pa
  7. Thats what I cant understand, if all credit etc is on my Experian report, will the same info be on Equifax? I dont really want to be subscribing to Equifax if it is only going to show me the same as Experian
  8. I will try with Equifax this week, I thought the info they held would be the same as Experian. Everything I have ever had is on my Experian file, so surely Equifax cant be worse can it?
  9. I'd like to add that my CC Company, Natwest. Dropped my limit from £4000 to £2880 recently. Their letter just stated that after a review of my account they where reducing my limit
  10. I recently applied for a new credit card (MBNA Virgin) and was declined the card. I was hoping on transfering the balance from existing card, approx £2600 to a 0% balance transfer. I have checked my Experian Credit Report and it it is showing 'Green' on everything, I wasnt expecting it to be that good to be honest. The only 'Yellow' showings are on my mortgage which was is a couple of late payments which was down to my mortgage company. They have even admitted their errors to me. There are still old loans that are cleared and an existing loan which has no late payments. Wha
  11. Thanks for the replies, finally got my head around it now. Steve
  12. HI, I switched my mortage to an interest only about 6 months back due to my partner losing her job. I am wondering if the actual payments I am making are correct. The balance of my mortgage is now £87'000 with a term of 20 years left I recieved a letter a few months back saying my new interest payments will now be £262.42 The letter says; The new rate of interest will be 3.600% based on 90 day Libor of 2.10000 plus the margin applicable to your mortgage account. This rate will apply from the 1st March 2009 until the next quarterly reset date. Your new minimum mont
  13. I will await the break down of payments I should receive this week, then hopefully I can go from there. If for some reason I do owe them, I will pay it....but I am going to chase them for a written apology for they way they have handled this. What is this Subject Access Request you mentioned? Is this like a credit referance check?
  14. Thanks for the quick reply, they have said they are going to send me a break down of the payments and arrears this week. What has really annoyed me is the fact that they told me a couple of times that I had no arrears and then they hit me with this out of the blue. I am willing to pay any arrears and not shy away from them. Their advisors need either retraining or dismissed. They probably laugh and joke about their mistakes on their fag breaks and not realise the stress they cause people
  15. Hi, I will try to keep this as informative and short as possible. In November we switched our mortage to interest only because my partner was finished up in work. Luckily she has got new employment and we will shortly be swithing back to capital and interest. I received a phone call this morning from my lender, Derbyshire Home Loans:mad: They said I was in arrears and would I be willing to make payment today, I told them I am not in any arrears and only hve to pay this months payment which I did (£390.73) They said that my arrears totalled £390.73, which goes back to Januar
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