I had my case with a person from the ombudsman they arranged an inspector to come ut check the car after a year btw his opinion was that the problems developed after point of sale and this was not the case at all.The finance company stated that i only got in touch with them 6 weeks after buying the car and that was correct but i was trying to get car sorted with Fowlers before the finance company someone told me to contact the finance company due to me having a hire purchase agrrement i didnt know this at time or i would of done it straight away. The person i was originally dealing with from ombudsman was someone called syeda.She is a waste of time she doesnt listen to anything you say to her she comes across as if she is all caring etc but trust me she aint.I think this is the person the guy from the car finance company was saying was in his pocket.She then did her report and sent it to an ombudsman and he looked at the case and what she had wrote in the report he made his decision not to uphold the claim. I have refused the decision as it is totally lies she didnt listen a lot of my case was missed off the report and tbh i knew i didnt stand much of a chance with her doing the case. I have contacted a solicitor to see what i can do with taking the finance company to court and i have to pay £75 ph in which i am looking into as i will not allow people to get away with ripping customers off

I don't understand what you mean.

well i lost my case with ombudsman by all accounts i did all the faults and fowlers had nothing to do with it. Its rubbish all faults were there. Someone at the finance company said to me do you think you would win as we have the ombudsman in our pockets and we never lose. I dont really know what to say but i think you are stuck with the car if you buy from fowlers they are very dodgey to say the least and even televison exposed them but still nothing done about it.

tbh i dont know i dont know anything about cars but i looked at bodywork and inside seemed ok then car was in garage getting device fitted then valeter i saw it for like 5 mins or so

I was wondering if this is under the sale of good act with the 6 month thing if things are there in 6 moth its taken as if they were there at point of sale or something like that.

Hi silver.yeh i know i got car in january he featured on tv about 5 - 6 months later wish i knew that then things would of been different.The thing that concerns me is that the finance company has a form they fill in when you contact them if you are having issues and the 1st question on the form is "IS IT A FOWLERS CAR"

all my complaints were done by telephone

Many thanks i need all the help i can get as i feel i dont have many rights left due to time taken

The agreement i signed is a hire purchase agreement

The dealer is fowlers finance the finance company is called the car finance company

In january 2015.I applied for car finance with Fowlers finance as i didnt have any spare money to purchase a decent car with cash. I applied online and a person from the company called me went through an application and after about 6 hours contacted me to say that i had been approved and that i could go to manchester to get the car. Originally i wanted a Vauxhall Insignia but when i got to Manchester i was told the car had been sold by another branch but they had a citroen C4 7 seater i could have a look at. I have a large family and i liked the car so i accepted that one instead. There was some scuff marks on front bumper and other little bit to bodywork and i commented on this and was told dont worry we will get someone to come to your home and repair them. I was ok with that so didnt think much else of it. They took me into the branch to fill in the paperwork for the car and i asked if i could test drive the car and was told this wasn't possible as the car was getting a device fitted to it and would take approx 30mins so after the paperwork i could do it then. I thought ok sounds reasonable , went along with it. After i did the paperwork the guy shook my hand and said thanks and we went to the car it wasn't there it was over the road getting valeted by a garage we went to there and the garage even tried to charge me for the valet in which i declined and laughed but fowlers told me dont worry we will sort it. They gave me the keys and then left. I live in Durham and car was in Manchester and it was around 1pm in day and needed to get back for kids school run i started to drive home. After about 100 miles the car cut out on me and the display started showing."AIR POLLUTION FAILURE, HANDBRAKE FAILURE ,OIL PRESSURE FAILURE" amongst other faults i pulled over on hard shoulder the engine management light was on but after about 10mins it went off and car was fine so i drove home. when i got home i rang fowlers and told them what had happened they told me not to worry its more than likely a sensor and it got some dirt on it. The next day i did a full inspection of the car and these are the faults i found. A BIG ARCH IN DRIVER VIEW ON WINDSCREEN AIRCON COMPRESSOR GRINDING AND MAKING LOUD NOISE. 2 BALD REAR TYRES 3 NUTS ON 1 WHEEL BRAKE PADS NON EXISTANT DRIVER SIDE WHEEL CALIPER SEIZED THE REAR SEAT WAS DAMAGED OFF RAIL AND COULDNT BE MOVED NEVER MIND PUT DOWN 2 CENTRE SEATS DON'T MOVE NOR FOLD DUE TO CABLE PROBLEM. I contacted fowlers with the problems listed they told me that they would put me through to after sales and no-one answered this went on for 2 weeks never getting through. After a while i contacted my finance company telling them the problems and they told me they would look into it after months of complaining and still making my payments i contacted the ombudsman and they did what they do and also contacted a company to come and examine the car only 3 weeks ago remember i bought car in january and inspection in december . The guy was really nice and told me that he had to be honest with me and ay there is no way of knowing if this happened last week or was there when i bought car and would be hard to prove. This made me kind of upset as i have been complaining for months .Now the ombudsman is saying that they got report and in the engineers opinion there faults were not there at point of sale but they were. I contacted The car finance company at start of march and i they have them logged recently i asked them if they record calls and i was told no only log them and i asked for a copy of all logs they have with time and dates to back me up they stated that i would be charged for this. Also i forgot to mention that the car had no service history at all i did not get an MOT was told they mislayed it and would be forwarded to me and the ombudsman told me that the milage was something like 90k on mot but when i got car it was 98.5k i feel there is a major coverup going on i just dont know i need your help to see if theres anything i can do .I know about the watchdog program regarding them too this happened 6 months after i got car. Any advice would be greatly appreciated. ah yeh report also said that the arch in driver side should of failed MOT this was on screen when i bought car.

I know i signed a bill of sale what does that do to me.If i transferred ownership does that mean if they sell it or scrap it i still have to pay balance?

It wasnt a repayment problem they just toom it on themselves to scrap my car for £300 with an overall finance of £4000 i didnt tell them to scrap car as it was worth £2500 and it just wouldnt be very good idea to get £300 and still have £4000 to pay they have ripped me off and then expect me to pick up the remaining tab.

yes.it was a logbook loan with loans 2 go

I took a loans to go loan out and always paid ontime with no problems.My cars turbo blew and got it repaired after a short while the alternator went and i told loans to go need more time to pay due to the fact i need to get alternator fixed.I was not in arears at all and they told me that they wanted to pick car up and sell it to get money back i agreed i thought well thats ok maybe loan gets paid and everyones happy this is not the case. A couple of hours later a guy with a van came for car and i handed key over and he took the car a couple of days past i found out that the had scrapped my car and only received £300 for it i was mortified as it was a £2500 car and i am now receiving letters saying i owe £4000.I feel i have been ripped off by them and need advice on what to do next as loan was attached to car i now longer have car as they thought it would be funny to sell it for peanuts and then send me a massive bill. Any advice would be appreciated.

lol hawc couldnt of said it better myself but i,m more polite lol

yeh uve got it no interest just basically what you put in

there is a lot of other places you could goto and they are very helpfull and will try to help all they can for very little interest.Try looking into community banks in your area they are run by the customers and are a non profit organisation they are try so hard to get people away from the likes of brighthouse and perfect hom as well as pay day loan companies it maybe an option for anyone that may get into difficulty in future

no the yellow money stays in yellow money you can use it anyway you want.You could use it towards weekly payments or in some cases ask for it back but this is a practice they dont like doing they send a cheque out so basically not worth doing unless you save up to maybe finish off early or make weekly payment

yellow money is what they put into your account when say you have a payment of £10.30 and you pay £11 the 70p usually goes into yellow money and mounts up over weeks/months.as for the companies bully tactics this is across all stores so your store is no different to any other its the way of BH and we must all stand together and put a stop to this if you did it it would be a criminal matter so why is it different for them its time we get them off our highstreets and in time with the helps of everyone plus the newspapers and other media outlets they will go. I heard something other day also about BH dunno if its true or not but the company is supposed to be going up for sale as they are struggling this will be like the 5th time if it does sell again

The must be some law against this kind of behaviour.Bully boy tactics is not right they go on worse than loan sharks i would suggest you try to get hold of a little video camera to record such behaviour then they wouldnt be able to get away with it.I would definatley contact OFT or trading standards they need closing down.The article above was interesting reading

get yor xbox sorted and then you dont ever have to deal with them again i think BH is legal robbery of the less fortunate

well at least you have learned by mistakes it only way to learn BH have got away with it for 2 long and now its time for everyone to stop shopping with them and then its only 1 way for them.

your welcome tbh i think this could see begining of end for BH i will be surprised if they survive this

yeh and now the double the apr and from 4th november they increase late payment charge to £5.50 per agreement i think they have lost the plot but by all accounts the finance part is based in malta and we all know whats happening in malta