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Haha, apparently, so that the broker could give her a good deal (she got about £6k off RRP) she is leasing the car for one year and then its being transferred over to her name to continue the finance. I'm still not entirely sure how it all works but at least we now know what the deal is. Probably not the outcome you were expecting and neither was I to be honest.

As an update and to close this off, my wife managed to get hold of the broker and now knows the reasoning behind it all. Thanks for your help dx100uk

Fair enough. I know that she has tried to call them today, but just says its ringing out which is a great help in situations like this. Many thanks for your help

Thanks for replying dx100uk I am aware that the registered keeper might not be the owner, but at this point she seems to be neither. I suppose what I'm trying to ask is that when someone buys a new car on finance is the V5 supposed to be in the name of the broker or the person who is buying a new car? Looking at this from a DVLA perspective, if she was now to go and get a speeding ticket it would go to the broker, instead of her. From a Car Insurance perspective, who is the registered keeper? Has she bought a car or is she 'borrowing' a car? If the contract paperwork says that she is the registered keeper why has the broker not put it in her name? Is this is common practice for a broker to do? Btw, I say broker because apparently you can buy or lease any car through the company. They don't appear to have any affiliation with a particular brand. Thanks again

Hi, I'm hoping that someone might be able to help here. My wife bought a new car from a broker back in June on Hire Purchase, something we haven't done in a while. She only involved me in the purchase here and there and so I've only just stumbled upon this information, but I questioned her as to where the V5 was as we needed to apply for a Crit'Air sticker. It turns out she hadn't received one. She chased up the V5 and was told by the dealer that for the first year they are the registered keeper, but on the 1st year anniversary it will change to her. I've gone back through the paperwork she signed and it clearly states that she is the registered keeper and they are the owner until the final payment has been made - which I believe is normal. I'm a bit confused because I'm sure she should be the registered keeper as its a purchase and not lease. Is this common practice? Thanks in advance

Ok. How do I go about this? Do I email QQ with a deadline to respond? Then when/if they don't reply raise a dispute?

I was going to reply to MRS as QQ have never responded to any emails I've sent them

Thank you for all your help. I will email them again with the dmp details and sit tight. Again, thanks for your help

In the first letter they sent they said 'We have previously written to you to inform you that we, Mecantile Recovery Solutions Ltd, have purchased the above debt and as such are now the legal owners and beneficiaries of the sum outstanding'. This was the first we'd heard of them at this point, so I'm assuming that they own the debt. My anger got the better of me as I know I shouldn't be speaking with them, but just couldn't help it

Thank you for your prompt reply BM The DMP was created by myself and my wife on the advice of CCCS. They decided that we couldn't pay any money, so we've made some drastic (well they were at the time) cuts to fit into the £1 per month category I will keep all correspondence from them as I have with the other creditors and hope nothing comes of it. Should I keep sending them emails offering payment or just ignore them? Thanks again for your help

Hi All, Just had a very frustrating conversation with someone at MRS Ltd. Basically my partner took out a QQ loan back in July 2011, we ran into difficulty as I lost my job and subsequently informed them and started the DMP process for all our creditors. Anyway all but QQ replied and agreed to our offer of payment. We kept sending QQ letters/emails offering payment and was receiving no response, not even one to say they were coming after us. Eventually we stopped as they weren't bothering us. Fast forward to May 2012 and we finally received a letter from MoorGroup on behalf of QQ, we replied to them and they didn't reply. We sent one further email and still nothing, not even to chase. Fast forward to beginning of September, we received a letter from MRS Ltd explaining that they were about to start litigation. At this point they hadn't mentioned a creditor or the amount due, so we ignored them. A week later we received the same letter with a deadline on it, this time with creditor details and amount due. They are working on behalf of QQ. We sent an email detailing an I/E form with offer of payment. A week later (beginning of last week) they sent an email (they hadn't done this before we sent them one) giving us a new deadline. My wife replied asking if they received the previous email.......again nothing. On Monday this week another email giving us another new deadline.....again we replied and received no response. Today (which is not past the previous deadline) they emailed again saying 'We have taken the relevant steps to verify your current residential and employment status, and are aware of no legitimate reason as to why your account has not been paid' and they have threatened to sent a Field Collector round. Anyway at that point I started to get slightly angry and my wife informed them to call me. I decided to get there first as they were p***ing me off. After taking a while to confirm that I had authority on the account, I explained that we had sent a number of letters and emails explaining the situation and offering payment. All I got back was that the debt is 13 months old and they are going for a CCJ. I must've then hit a nerve because I repeated what I had said previously and got a different answer, this time a threat that they were going to make my wife bankrupt. At which point I again repeated myself, he then asked me if we'd made an offer of payment, I replied yes and gave him the amount. He then said 'see you in court' and put the phone down. No other words, just them 4. Sorry for the rant but they have made me quite angry about this :mad2: Not sure what my next step is apart from waiting for the paper work. Should I expect any? Are they just hot air or have they ever taken someone to court?

Ok thanks. So as far as I can tell. If the LL doesn't decide to grant compensation for the 4 months of warmish water and now a week of cold water, then you have to go to court which can be costly. Also just to add, plumber turned up today......apparently he wasn't there to fix only to make sure its broken!!!:mad2::mad2:

Good Morning All!, Basically, we've not had proper hot running water since mid December now. We've had luke warm to stone cold! Our landlord sent someone round to take a look back when it first happened in December and since then has kept to the line of 'User Error', blaiming everything from the weather outside down to us running the water too fast! We've been complaining every two weeks or so. Anyway he eventually sent someone round last Thursday to service the boiler. Man turns up and says he couldn't service the boiler as its broken and needs a repair! Anyway after he left my wife went to take a shower and now we have stone cold water. Thankfully our landlord is sending someone round today to replace the broken part, so we should be back to normal today. As you can imagine, I'm absolutely fuming! For the past 4 months we've been fobbed off with excuses. Our LL runs a plumbing firm so thought we'd know what he was talking about, hence the reason why we didn't take this further previously. There are also some bits that haven't been fixed which I'm quite annoyed about, leaking garage (said they'd fix) and burst pipe to back garden tap (said they'd fix when the weather gets better!, back in Jan) Is there anything we can do..........apart from move out. Thanks

Thanks for advice Conniff and Buzby. I'll gather all the evidence I've got of it being a injection and approach the dealer. I've got nothing to lose so might as well try

Yep thats correct, although through an independant finance company.

Hi All, Almost 2 years ago, my wife purchased a Vauxhall Meriva 1.6. During the test drive I voiced my concern with the salesman that it didn't feel like it had any power. He explained that he thought it was strange as it was the injection model. He then said he'd get one of the technicians to take a look and when we picked it up all would be fine. Anyway we signed all the paperwork and we picked the car up. Fast forward to today, the car has been out of action for around 8 months with an engine problem, but not had the money to get it fixed. So while I had some spare time I decided to take a brief look myself (little engine exp.)with a neighbour (ex. mechanic). Anyway, so we opened the bonnet and started work. All of a sudden my neighbour stops and says that he hasn't seen a carburetor in years, at which point I explain that the car is injection. He decides to correct me, which then leads me to look at my paperwork which states that I was sold a 1.6 injection. So my question is, is there anything I can do about the fact I've been sold a different 'type' of car to the one on my paperwork? I've done a brief history check on the meriva and they did sell an injection and a non-injection model. I bought the car from a Vauxhall dealership as well as an ex-demo. Our plan is to get to the car fixed and hand it back under the finance agreement Thanks in Advance

It would appear that my problem has now got worse (if thats possible!) My car has just been recovered back to my house for me to find that they couldn't be bothered to put it back together again! I now have a load of parts in my boot which I have no idea where they go being a non-mechanic and when I look under the bonnet all my fuses are on show, along with loads of wiring and the all the casing has been taken off.......lets hope it doesn't rain!

Ok got another update and this is not a good one. After endless hastling Vauxhall to take a look at the vehicle they have finally found the problem. Apparently a broken earth cable in the wiring loom that supplied the ECU has broken. To make matters worse this has somehow also blown the ECU of the car. Total to fix it.....£2000! They then proceeded to tell me that the cost is not going to be covered under warranty as the warranty does not cover wiring faults and any damage that has been caused by a wiring fault. I then asked the question of if it would be covered under Network q. The guys answer was of course yes it would have. So I have made a call to the finance company explaining the situation. They told me to contact the broker which I'm going to do shortly. The wife and I are obviously fuming about what has happened and we don't have the £2k to fix the car. If we stopped paying the finance company and they eventually had to repossess the car, is that all they're entitled to? In other words once they've taken the car would they move to extract other costs against us? Now the car is going to cost £2k to fix, it is obviously going to be worth less. Our next plan of action is to speak to the broker company and see whether they are going to do anything about it. Obviously our stand point is that we have been misold the car.

Just thought I'd post an update. I've just got off the phone to the ConsumerDirect people. They've told me that it is very much 50/50 and that it would no doubt go to court to decided by a judge. Apparently due to the fact that we signed the order form we have acknowledged that the car was sold without the network q warranty. However, there is quite a bit of evidence to show that they did not tell us that we were not purchasing a network q car ie when haggling with the guy I suggested removing the warranty and he said that all cars are sold with the network q warranty and so they couldn't remove it. After speaking with the Sales Manager he keeps telling me that there are stickers inside the car saying that it is not covered. The only problem with this is that at the time we bought the car, it was being driven around by one of their sales reps and was not in a for sale condition (no stickers, non valeted, etc)and he had removed all the stickers (we assume) and so we didn't see any of the stickers. Secondly the site itself has billboards and other notices all over their forecourt explaining that the cars come with this warranty and our car was sitting right next to one of these billboards when we looked at it and decided. We've been instructed to send a letter to the dealer and the finance company explaining whats happened. We've also been told to go and get as much evidence to support the case as at the moment it is very much hear say.

Hi All I'm hoping someone might be able to give some advice on a situation we've managed to get ourselves into. My apologies for the essay but a lot has happened We purchased a used 53 plate vauxhall from a vauxhall garage in May this year. During the weekend just gone the car broke down. Basically it would turn over but wouldn't start. Called the AA to come take a look. After some investigation the guy says he suspects it as the fuel pump and so tows me to the nearest vauxhall dealership as I tell him that the car is covered by network Q warranty. Anyway as it was Sunday we had to wait until yesterday to actually speak to someone. So yesterday morning phoned the garage and explained why my car is on their forecourt. I informed the guy that the car is covered by network q and the guy books it in for inspection. He gives me the number for network q so I can organise a courtesy car. So I phone network q, she takes my reg number. She then comes back on the phone and informs me that the car is not covered by network q. After regaining my thoughts I tell her that's impossible as I purchased it from one of the approved dealers. She said unless the reg is wrong then I don't have cover. She advised me to call the garage I purchased the car from to get my policy number. So I call the garage and speak to the service manager. He checks on the system and informs me that my car was not sold with a network q warranty and that I have a 3rd party warranty. He tells me that it could be due to the age of the car or how many miles it's done and tells me to speak to the sales manager. So while I'm waiting for the sales manager to arrive at the garage I phone he other garage that has my car and tell them the situation. They tell me that if it is not covered by network q then I'm in for a big bill....£700! That's if it's the fuel pump. I tell him to hold off looking at it as I can't afford that at the moment. So then I call the sales manager as he couldn't be bothered to return my call. He informs me that we have purchased the car under a 3rd party warranty and there was nothing we can do about it. Apparently my wife signed an order form that states that it has a non network q warranty. Our arguement is that all over the site it has that their used cars are sold with network q warranty and that no where does it say that the car has to meet certain criteria. Also when we were on our test drive I asked if we had to have the car with the warranty trying to shrink the cost. The sales guy replied that all cars are sold with a network q warranty and that they were unable to take the warranty off. I also spoke to another network q garage and asked if they had any criteria which they replied no we only buy network q approved vehicles which have to meet a state standard not age or mileage. The good thing is that my car is covered under some sort of warranty but I'm finding that I'm not entitled to a load of stuff which I would have had if it was covered by network q which is one of the reasons we bought the car. We knew that the next couple of years money is going to be difficult. I've got a newborn and a toddler, my wife is also on maternity leave so only getting just under half of her normal salary Does anyone know if we have a case here to claim that we were misold the car? Or because we've already signed an order form that states that the order included a non network q warranty do we have to put up with it? Any help would be appreciated

I decided to phone the Service Quality Team today to find out whats happened about my other account. I got to speak to an Adam Collins who I was told has taken over from Mr. Pretty (he has moved on to better things). Apparently when they received the letter someone decided to put it on file, instead of marking it for action (this maybe a reason why some people aren't getting a response!) He's going to respond either today or tomorrow, but I should have another offer by end of this week, early next week. Good times ahead!! cp33c

Of course no problem. cp33c

John, I used the 1st Prelim letter. I was about to send the 2nd one today, but obviously didn't have the chance. cp33c

I WON!!!! I can't believe it. It took 1 letter prelim letter. Ok so they went 5 days over the 14 days, but I received a letter this morning offering me 90% of the amount I'm claiming back, which is more than I was expecting. Only thing is they have only offered me money for one of my accounts, and they haven't included the interest. I'm going to sign the letter and hand it in to one of the branches tomorrow. Then all I have to do is wait for the other letter to turn up. Does anyone know how long it will take for the money to appear in my account? Plus what do I do about the interest? Ignore it? Thanks cp33c