Just a quick update. Had the car back from the garage a couple of weeks ago and, after waiting a while for some serious rain, leak seems to be fixed and all dry in the car. Problem seemed to be a leak / break in the sealer at the top of the tailgate and around the rear light - common problem on many cars. Water was then finding its way down inside the side pillar and coming out under the rear seat and running onto the floor. However ,although the garage seemed to reputable, and to be fair they were very helpful, they did seem a bit sloppy in sorting out the problem. The day I picked the car up after it had been with them for over a week, they said they had fixed the leak and dried the carpets out and all done as they assured me it would be. However when inspecting the car before driving away I felt under the carpets and they were still damp. Not happy and they simply said ' oh don't know how we forgot to do that-just book it back in and we'll sort it out'. The didn't seem overly bothered. Not exactly great quality control, but seems all too common these days with many traders not just car garages. Anyway, another week in the garage and the car comes back with the carpets / underfelt etc dried out as promised, with a mumbled apology and as above the leak does appear to be fixed and daughter is now happy. I'll keep an eye on it to make sure it stays that way. or I told the garage I'd be back, Anyway, thanks for the advice all - great to be armed with this knowledge. I'll update if needs be.

Thank you King12345 for the input & info - much appreciated. Yes that's what I'm worried about, that if they aren't 100% sure of where the exact source of the leak is they'll probably say, 'Yeah we 'think' we knew where the leak was and we've sorted it. Here's the car back - see how it goes'. This then means if it leaks again I have to go back again which is just proper hassle for me. I think I'll be going for rejection if they don't fix 1st time as I can't be doing with it. In my mind if they can't fix it first time it will turn into something of a long term problem and just give me a headache not to mention a pain for my daughter who has to use the car. Any further advice is appreciated. Thank you all.

Thank you again. Hmm that's good news. I think possibly fixing a fault such as a leak could maybe be a bit hit and miss and it may be prudent to give him a few attempts if he can't fix it 1st time. However,as I previously said , after probably the 2nd attempt I'm going to start losing faith that a repair can be achieved and don't want to be going back and forth so at least I have some peace of mind I can go for the rejection if I want. I'll keep the post updated. Thank you.

Ah, thanks for the very prompt detailed reply BankFodder - really appreciated. The Company in question have traded for years and are very well know in the area and unlikely to fold. However, I'll certainly be taking your advice and putting everything in writing regarding asking for a refund if the repair fails etc. Really could do without the hassle and problems as you've pointed out and hope they can just simply repair the fault. Also taken lots of photos as well . Also aware that the Consumer rights Act overrides any warranty having read other excellent advice on this forum. Out of interest, after a 1st failed repair attempt, can I give him another go and still go for a rejection if a 2nd repair attempt fails ? Obviously after a 2nd repair attempt failure I'm going to start losing faith that a repair can ever be achieved and don't want to be going back and forth.

Oops, sorry - car purchased / paid for 7th March 2019.

Hi – Looking for some advice. Apologies for long post. My daughter bought a used 2009 Suzuki Alto (which I paid for) from a local well known, reputable Toyota dealer who has been trading for many years. They also sell second hand cars ranging from about £2k to £30-40k. Our car cost £2490 and came with a 12 month warranty (for what it’s worth), new mot and a full service history. Although not quite as cheap as some other cars we had seen, appeared to be a good buy. A few days after purchase, still quite happy with the car, we noticed the boot lock wasn’t working (insert key but not turning, but able to open boot remotely by inside latch). Rang garage and they said, no problem book it in and we’ll repair it which we were happy with, although the date to repair is nearly 2 weeks after purchase. Had the car about a week and while giving it a clean, picked up the mat in the rear passenger footwell and noticed that it was damp. Then discovered the carpet under the mat was also quite wet. I unclipped some side trim from around the bottom of the door and was able to put my hand under the carpet and have a feel around in the footwell and under the front seat. Discovered a lot of water under the carpet and the sponge backing of the carpet was soaking and a soggy mess. Discovered that the leak / water extends to the front passenger footwell as well. Have mopped up as much as I can but it’s obviously still quite damp and will again get worse when it rains. On further inspection when raining, the leak / water seems to be dribbling from the rear seat belt bolt under the seat cushion, running down under the seat cushion and then onto the floor of the car and obviously running also to the front of the car. On inspection of the underneath of the seat cushion there is a fair bit of mould on the side of the leak which indicates that the leak / fault has been there for some considerable length of time and definitely before we purchased the car. The top of the seat cushion also seems to be damp and would have to be dried properly so currently can’t have any passengers sitting on the back seat. I’ve taken photos of the seats showing the mould and also a number of photos with the carpet pulled up as far as possible. Anyway, popped into the garage myself as I was passing to inform them of this 2nd fault. The guy on the front desk said, just bring it in as arranged for the boot lock and we’ll also have a look at the leak issue. I pointed out that, unless obvious, finding the leak would maybe be a lengthy task and the car would probably have to come back in again. He just said ‘yeah, ok, no problem’. Didn’t seem overly bothered. Also told him I was aware of my Consumer rights and didn’t really want to invoke further action if the repair was not done satisfactorily , again he just said’ yeah ok, no problem’. Now, as we’re happy with the car, we’re willing to have the garage repair the leak if they can, but I also want to make sure that after they do this, the carpet and the underfelt sponge is either replaced or thoroughly cleaned and dried out as it’s starting to smell. Also want to make sure that the leak is repaired as if not, the same thing will happen and we’ll be back to square one. It seems to me to do a satisfactory job the seats and carpets will have to be removed from the car which will involve a fair bit of work from the garage. Until I take it back in I’m unsure wether they’ll be happy to do this. What if they say they’ll sort it but not remove the seats/carpet and try to just wipe up the water and dry it out with a heater or something similar so it appears to have been dried out. Essentially, I’d just want the job done properly – leak repaired, carpet/underfelt dried out or replaced – job done. I have read up regarding my rights under the Consumer rights Act 2015 and understand that as the car has at least 2 faults, one relatively minor, but the major one being the water leak, both rendering the car ‘unfit for purpose’, our first option is that we can simply reject the car and ask for the money back as we're with the 30 day time limit. My daughter needs and likes the car which is why we are considering the repair. However I really need to make sure the fault is sorted out once and for all . Am I correct in saying that the Consumer Rights Act 2015 allows a dealership one chance at repair and then if not sorted I can still reject the car ? If so this will give me some reassurance if the fault isn’t repaired and the leak returns. Would also appreciate some guidance as to what people think as to the best advice to avoid future hassle. 1. Go for rejection , which would make sure we get our money back but then hassle as daughter likes it and we’ll have to start looking for another car. 2. Let the garage try to do the repair and hope they can sort it. (but reject if fault not fixed) Would appreciate any replied / comments etc Thank you

Hi FeathersUK - Sorry, only now seeing your update. Good news that you've had nothing since the 3rd letter , same as my friend, nothing since and he, like yourself is also so relieved. This site is great and proves that people power works. It's fab getting peace of mind from people in the same situation and to beat the all too common corrupt organisations like DWF at their own game. As Silverfox1961 says it's good that new knowledge is used in a positive way. Also hope that this and similar threads will also give others like ourselves peace of mind and the opportunity to spread the knowledge further. Good luck.

Should be the last letter now. just ignore. My friend has still not received anything else since his 3rd letter in November. Whilst I obviously don't condone shoplifting, what totally annoys me is that this Country does have a strange attitude in that 'legalised' theft, corruption and indirect fraud is rampant in the form of 'hidden' activities by usually large corporate companies such as ripping off the general public by misleading them, tv licencing exorting money from the public etc etc. and this is all seen as acceptable. However if you inadvertently steal a tin of beans you are labelled as carrying out a most heinous terrible crime worthy of a public thrashing. This is why the government don't like sites like this and will tell people not to trust information on the internet. Broken corrupt Britain at its best.

Stop worrying ! My friend says to expect a 3rd letter as my previous post and to obviously ignore this as well. He has received nothing at all after his 3rd letter which was received only 2 weeks after the 1st in early November 17 not even any letters from 'debt collectors'. Looks like they know he's not one of the 'easy targets' and have given up as it's a waste of their time. Hope this also goes some way to put your mind at rest.

Friend of mine went through this in October 17 - Great advice above regarding the letters if you don't pay, which of course you're not going to do, you'll get another begging letter fairly soon and a 3rd letter again fairly quickly. Then you'll get - Nothing. There was no 4th letter and nothing since. The 2nd and 3rd letters will have wording in scary red ink threatening the 'possibility' of court action etc. but as per advice above this is all nonsense. It appears they just give up and rely on the uneducated people who get scared by their threats and pay up to line their pockets and just give up on the 'educated' ones that don't pay as they have no powers to do anything further.

You may have a long wait for them to take you to Court - I'm still waiting for them to fullfill their promise after I received a ticket from them (famous Talbot Green car park) which I ignored - 8 years ago ! Although they have impressive looking service addresses they also operate from a rather unimpressive house at 42 Caerphilly Road, Heath , Cardiff which is why they're so active in the Cardiff & South Wales area.I was also under the impression that they have never taken anyone to court , but may be wrong as per what Silverfox1961 says. I would just ignore as well.

I believe there's a number of post on here regarding this car park - I know it quite well - it's the smaller car park adjacent to Pizza Hut etc. If you do a search you'll probably get some very good advice as to what others have done. New Generation Parking seem to operate quite extensively throughout Cardiff and the South Wales area and also 'operate' in the infamous Talbot Green car park. Their Cardiff office is in fact a tatty terraced house on Caerphilly Road. I'm still waiting for them to take me to Court after their empty threats 8 years ago. I know rules as to how do deal with these parasites have slightly changed eg. Popla etc. , however I'm not aware that they have ever tried taking anyone to Court so you're probably quite safe in following the advice on here , going through the correct motions and then definitely not paying.

Apologies if I sounded complacent. Ericsbrother is absolutely spot on - very good advice - it's certainly better to challenge it as he says, especially with the change of rules. I'm almost sure NGP haven't done court, however this could well change and there's no way of knowing if they may try their luck. So I certainly would take the advice of the helpful and more knowledgable people on here to make sure they are defeated either way.

Had a parking ticket invoice from these clowns 7 years ago in 2007 in Talbot Green car park (pre POPLA). I told them where to go, and their last correspondence (in scary big red typing) told me that they were definitely taking me to Court......Still waiting ! As far as I know they don't do court so I wouldn't worry too much.

I don't think New Generation Parking have ever taken anyone anywhere near a court.I had a parking charge notice from them in the Talbot Green car Park and told them where to shove it. They then told me (in big red scary writing) they were taking me to Court.....However 8 years later they appear to have somewhat forgotten to carry out their threat !! I wouldn't worry too much about it. You'll certainly win at Popla and with the helpful people on here, but even if that fails they ain't going near Court.

natalie000 - I had numerous threats from New Generation Parking for Parking in a car park at Talbot Green in South Wales, the last one telling me telling me 'court Action' was pending. In fact its apparently still pending - 5 years later !! Something tells me they've given up a long time ago ! - This company are the same as all the rest - spineless and toothless. I replied to their silly threats telling them where to go but I would now advise you to heed the advice on here and simply do nothing - Let your father know about this and assure him that nothing will happen if he doesn't pay and they will give up fairly quickly. I am also familiar with this car park at Cardiff Bay as I visit often and know that New Generation have given up with other people who've had tickets there.

No problem - happy to help and share any info that may help anyone else - apologies if the editing looks a bit odd as I cut and pasted most of it. This is what I filled in on section E of the FOS questionnaire (i've just omitted some persoanal details ) : ...................................................... I arranged a personal loan of £5000 and was also sold a ‘loancare cover’ policy by you on (date) at the (branch name) Branch of the Nationwide which ran for 60 months. The full repayment cost was £ 123.88 per month which included personal protection insurance for the sum of £21.16 per month. The agreement commenced 27th July 2007 and ended on 27th June 2012. I have recently become aware that I have been mis-sold this payment protection insurance policy for the reasons outlined below : 1 I explained to the advisor that my employer provides a generous illness and redundancy package, however this fact appeared to be overlooked by the advisor and I felt pressured into buying it as it was strongly suggested that this protection would be more suitable., which as I have recently found out was not the case for a number of reasons. This also made me feel that the loan application would be more likely to be approved if the loancare policy was taken out. 2. I was not informed that I could buy the insurance elsewhere and that I could potentially find it cheaper. 3. I did not have the exclusions and restrictions on the policy fully explained to me. On the terms and conditions it states that I have acknowledged that I have received details of the loancare cover and that I agree to the terms,conditions and eligibility criteria for the insurance as detailed in the insurance booklet. However, their importance were not fully explained by the advisor and I also received no such booklet. 4. I am now aware that an insurance sale would usually generate a sales commission for the advisor which I was not made aware of. Finally please tell us why you are now unhappy with the insurance Due to the above reasons I believe that the policy you sold me was not required and not in my best interest. There was no accurate analysis of whether or not I actually required or indeed needed the policy, this was just assumed by the advisor and, as above I felt pressured into purchasing it to get the loan approved. Therefore the policy was missold. I am therefore requesting a full refund of all my personal protection insurance payments, plus the standard statutory Court interest of 8% which in total is £1371.17. ............................ In fact my calculations were slightly wrong and they paid me £1546.78. Obviously your reasons may be slightly different but the above reasons are the fairly standard ones. What may have nailed it for me I suspect is the fact that I wasn't given the 'terms and conditions'. If you need any more information just let me know - Good luck ! Cheers

Hi Mike / mp2012 How do you mean, the 'nature of my complaint' - Do you mean the reasons why I thought I had been mis sold the ppi ? If this is what you mean it's no problem for me to share & enclose the text / wording I used on my original letter and the subsequent FOS questionnaire I was required to send back to them. Cheers

Will do with pleasure !!

Nationwide Success http://www.consumeractiongroup.co.uk/forum/showthread.php?334976-PPI-Claim-Nationwide-Building-Society(1-Viewing)-nbsp

Further to my original post above, Just had a nice letter in the post today from Nationwide Building Society . For other members benefit and information here are the details. Finally got myself in gear and wrote a standard letter, compiled from the template on this site, which took less than an hour to come up with and sent it off on 28.8.2012 asking for refund of PPI payment of £1371.17 on my now paid off loan of £5000 which included the standard 8% interest. Had a reply from them 31.8.12 asking me to fill in the standard FOS questionnaire which I did electronically, cutting and pasting the same points from my original letter. I printed it out, signed it and sent then it off in their reply paid envelope on 3.9.12. I didn't expect anything back for a good while and also assumed it would be a rejection and that I would then have to go to the FOS, so have been preparing for some more form filling etc. Had a reply today - 11.9.12 with an offer of £1546.78, - I need to sign a form and payment will take up to 28 days. The amount was also slightly more than I expected, s my interest calculation must have been wrong, so an added bonus !! Fairly surprised, I have to say that 1. My claim was approved ; 2. The decision was extremely quick. My claim only cost me the price of a 2nd class stamp for my initial letter - Nationwide provided pre pay enveleopes to send back everything else. It was also so incredibly easy - just an hour or two's work - amazing ! I've a feeling that this is a standard reply at the moment, as I have seen a number of examples of Nationwide claims being rejected in the past, so maybe if anyone is thinking of putting in a ppi claim to Nationwide, now's the time to do it. I must thank everyone on the site including ims21 for all the information, templates etc. I know it's money i've already paid, but it's really nice to get back something which you didn't expect and will come in really handy for me and my family at the moment who, along with the majority of the population, are feeling the effects of the current economic climate. If anyone needs any information from me regarding my claim, feel free to ask and I'll happily provide it Cheers.

Hi Little bit of simple advice needed. I'm geting ready to put in my PPI claim with Nationwide for a 5 year car loan (£5000), the last payment of £123 being in May 2012. What is the best thing to do at the moment - Am I allowed to cancel the separate ppi payments (approx £23 pm) on the last 5 payments I have left and just pay £100 pm until May or should I just keep paying and claim for the whole 60 months ppi payments. I may also be in the position of being able to pay off the outstanding amount of the loan now - if I do this I assume I can pay this minus the ppi payments - is this correct ? I also have all the relevent paperwork and records relating to the loan. Any advice appreciated. Thanks

Welshcake Looking at your username I assume you're in Wales as am I - Was this ticket issued in Cardiff or South Wales somewhere ? New Generation Parking are indeed part of Ranger Cameras but they are also based in offices in Cardiff. I had an 'invoice' from them over 3 years ago in Talbot Green, South Wales. Told them to get lost, then ignored as per advice and im still twiddling my thumbs waiting for them to take any further action as they threatened ! Tell your uncle to do nothing and don't worry at all. The silly threat letters wil fizzle out and they will quickly give up. Regards

Thanks very much for reply C-130 much appreciated. I have read the oft document but still not too clear of what i can do.Ithink the crux of the matter here is the fact that the item was signed for on delivery as 'inspected with no defects' when there were in fact dents on it which weren't noticed at the time.When you say I have 7 days to inpect the item and reject it, does it matter that the item was signed for as above on delivery or do I stll have 7 days to inspect it more thoroughly for defects ?When I phoned the company they were adamand that as the form was signed no return was possible.Then when I mentioned the 7 day rule they said 'yes you can return it' but we'll 'charge you for the dents' - not sure exactly what this meant but seems they will try to imply I damaged it after delivery and possibly try to hold back part of a refund.Any more advice appreciated - thanks

Hi – Hope someone can give me some advice for which i would be very grateful. Sorry if it’s a bit long winded. I ordered a new Hoover Fridge Freezer model no HCF5177W from an online company who also have a store in Birmingham called ELECTROSAVER. Found they had the best price for the product we wanted and ordered and paid by debit card on Friday 6th May. Phone call on Saturday saying they’d deliver on Monday – very efficient I thought. Anyway I was working today (Monday) and my wife had to take delivery. When it was delivered she was asked to check it for scratches or dents etc She had a look and couldn’t see anything obvious – front door looked fine and sides also looked ok so she signed the delivery / received form which is also a disclaimer that there is no damage and there’s no parts missing. After the delivery driver had left she had another look at it and discovered quite a number of shallow dents on the side of the appliance which she hadn’t seen previously. You had to look in a certain light to see these dents,however there are about 10 small indentations towards the top and quite a large indentation towards the bottom of the side of the fridge freezer. The side of the fridge freezer will be on show as it’s positioned at the end of a run of units so any imperfections will be seen clearly. When I had a look there is also a broken sharp piece of plastic trim at the top of the door which is a blanking plate if you want to change the door around. She rang me in work in a panic and she then rang Electrosaver to complain and said that she wanted the fridge freezer exchanged due to the defects. They told her that as she had signed the delivery form there was nothing they could do but they may look at it again if we e mail photos. When I got home from work at about 4.15 I then also rang them to ask them for an exchange. The guy i spoke to said he’d ask his manager but he came back to me and his response was totally unsympathetic and unhelpful saying nothing about e mailing photos and they could do nothing as the delivery / inspection form had been signed. I explained that it was impossible to inspect every part of the appliance and that the appliance was obviously damaged before delivery but they were having none of it and are point blank refusing an exchange or refund. They even told me it was delivered by 2 men but my wife says only 1 man delivered it and he had difficulty getting it down a few small steps in the garden on a trolley. I mentioned about the 7 day cooling off period and that I could just send it back as not wanted but he had to cheek to say they would knock money off the refund for the dents (whih were already there !) and I think i’d also have to pay for delivery back to them. We are now stuck with a fridge freezer with various dents and for which i’m £269.00 down and i’m fuming with myself for not taking time off from work to take the delivery myself as I would have noticed these defects. Also keeping it isn’t an option as it looks terrible.I’d rather loose the money and buy another one than keep it. Can anyone tell me what my rights now are if any and what options are available to me. Would be really grateful for any advice. Thanks