Thanks, I am off to pst these now.

Hi, sorry for the delay but life and work caught up with me. I have copied copies of the letters below. Please let me know if this is acceptable or any changes you would recommend.

Hi, just to keep you updated. I have registered and opened an account on the MCOL website. I will drop into CAB later today and update you tonight. Quick question - do I add the company director as a defendant as well? I have parked the car and will ask the company to collect as it is a 3-hour drive from where I live. If they do not reply within 7 days I will drive the car down. I have photographed the car and made a video recording of the car. I will save this in case they try to claim that damage has occurred. I will draft the letters after visiting CAB and then post them on here for your perusal. Thanks.

Thanks for all the advice. It is all there and I will proceed as you have stated. I will park the car as stated with immediate effect and dispatch the letters in the next day or two. I will keep you updated and run the letters past you as I complete them. Thanks once again.

I am happy to continue with the action and will follow the actions detailed above. I have spent £780 thus far with a potential of at least another £400 as the MOT is due on the 20th of June and the DSC has packed up. It will definitely not pass the MOT without fixing the DSC. The dilemma I have is this - do I fix the DSC and add that to the costs or do I use public transport? Also, do I continue paying the monthly payments?

Hi - once again thanks for the great advice and explaining the procedures to me. My wife and I have decided that the car is not worth keeping and will pursue the option of a refund of our money. If you have a link to any templates for the letters, it would be much appreciated. I will start to draft letters and will post them here for your perusal. Thanks.

Hi, thanks for all your help. I will have to speak to my wife first and then decide what we are going to do. I will get back to you tomorrow as I need some time to chew over this. Once again thanks for all your help.

I will be sending this one to Moneybarn and a slightly different one National Car Credit. This is going to National Car Credit: On the 11th of June 2017 I bought the following vehicle ----------- from you, National Car Credit - financed by MoneyBarn I have had problems with the car from the start, a list of which is listed below: • You have still not sent me any documents related to the vehicle. • I have not received the documents from the DVLA. • I was told that it had an MOT. It transpired that it had no MOT. It had expired on the 30/05/2017 but I was only informed on the 21/06/2017 • I was told that it had a full service history but it transpires that it did not. • The service book has not been sent to me • In fact, you gave me documents relating to other cars concealed under the first page • The car was sold without an MOT which was failed when I took it in after randomly calling them to find out when the MOT expires. • You did not pay for the MOT and the repairs resulting from the MOT failure. • The car was sold faulty and I was guaranteed that you would replace the tyre-sensors. No reply from you. • I had to replace part of the exhaust after 1 month where it had corroded - £100. • I had to do the brakes and drums which you knew needed replacing - £400 • The DSC has been problematic and replacement is about - £400 • The car was not checked or serviced by you. • You sold me the car with service and repair documents – when I checked it to see when my car is due a service it transpires that it belongs to another car – this is not the first time you have done this. • You have not sent me the second key which you were going to post. • You have not sent me the service and manual book for the car – which you promised as the car was sold with a full service history. I have had endless repairs done as you - the company I bought the car from - has not made any reasonable attempt to address the issues and I am being totally ignored now. I have kept all the records of communication with you and referred it to Moneybarn now. These have been e-mailed and a copy is attached to this letter. Please also find photocopies of the failed MOT and the documents provided with the vehicle by you - National Car Credit. I have now lost all confidence in the car, the company I am dealing with(you National Car Credit) and would, therefore, request a full refund of monies already paid and a refund of all repairs I have paid for. Under the Consumer Rights Act 2015 legislation, it is your responsibility to resolve the matter and would, therefore, ask that this is done within the next 14 days. Yours faithfully

MOT failure was the 21/06/2017. On the 11th of June 2017, I bought the following vehicle ----------- from National Car Credit - financed by MoneyBarn I have had problems with the car from the start, a list of which is listed below: • The dealer has still not sent me any documents related to the vehicle. • I have not received the documents from the DVLA. • I was told that it had an MOT. It transpired that it had no MOT. It had expired on the 30/05/2017 but I was only informed on the 21/06/2017 • I was told that it had a full-service history but it transpires that it did not. • The service book has not been sent to me • In fact, they provided documents relating to other cars under the first page which related to the car I purchased • The car was sold without an MOT which was failed when I took it in after randomly calling them to find out when the MOT expires. • They did not pay for the MOT and the repairs resulting from the MOT failure. • The car was sold faulty and I was guaranteed that they would replace the tyre-sensors. No reply from them. • I had to replace part of the exhaust after 1 month where it had corroded - £100. • I had to do the brakes and drums which they knew needed replacing - £400 • The DSC has been problematic and replacement is about - £400 • The car was not checked or serviced by them. • They sold me the car with service and repair documents – when I checked it to see when my car is due a service it transpires that it belongs to another car – this is not the first time this company has done this as a simple google search testifies. • They have not sent me the second key which they were going to post. • They have not sent me the service and manual book for the car – which they promised as the car was sold with a full-service history. I have had endless repairs done as the company I bought the car from has not made any reasonable attempt to address the issues and I am being totally ignored now. I have kept all the records of communication with the dealership and referred it to Moneybarn now. These have been e-mailed and a copy is attached to this letter. Please also find photocopies of the failed MOT and the documents provided with the vehicle by National Car Credit. I have now lost all confidence in the car, the company I am dealing with and would, therefore, request a full refund of monies already paid and a refund of all repairs I have paid for. Under the Consumer Rights Act 2015 legislation, it is your responsibility to resolve the matter and would, therefore, ask that this is done within the next 14 days. Yours faithfully

OK, will do it now. Is the e-mail that I sent okay for that or is there a specific letter I should use? Should it be recorded signed for post?

So it is worthwhile pursuing? Am I following the right track by flagging money barn now? Sorry for the questions but I have never pursued something like this before.

Thanks for the update. Just a quick question. Is this worth pursuing or should I just let it go and carry the financial burden of the repairs and the cost of the car|?

Hi, thanks for the reply. I will attach all the emails I have sent and they have replied to - see below. The phone calls have been every week since then but no reply - to the dealer.

Not at all. The company is National Car Credit. This is their website - http://www.national-carcredit.co.uk/ - It is a BMW 318d and I paid 9200 before interest. Monthly payment is 277. The car failed an MOT but it was also sold without one. I only found out when I contacted them about something else. They are not replying to me since November so I contacted the lender as they still own the car till I make the final payment.

Hi, just some advice on where I stand with the following. On the 11th of June 2017 I bought the following vehicle ----------- from National Car Credit - financed by MoneyBarn I have had problems with the goods from the start a list of which is listed below: The dealer has still not sent me any documents related to the vehicle. I have not received the documents from the DVLA. I was told that it had an MOT. It transpired that it had no MOT. It had expired on the 30/05/2017 but I was only informed on the 21/06/2017 after randomly calling them to find out when the MOT expires I was told that it had a full service history but it transpires that it did not. The service book has not been sent to me In fact they sent me documents relating to other cars The car was taken in for an MOT on 21/06/2017 which it failed. They did not pay for the MOT and the repairs resulting from the MOT failure. The car was sold faulty and I was guaranteed that they would replace the tyre-sensors. No reply from them. I had to replace part of the exhaust after 1 month where it had corroded - £100. I had to do the brakes and drums which they knew needed replacing - £400 The DSC has been problematic and replacement is about - £400 The car was not checked or serviced by them. They sold me the car with service and repair documents – when I checked it to see when my car is due a service it transpires that it belongs to another car – this is not the first time this company has done this as a simple google search testifies. They have not sent me the second key which they were going to post. They have not sent me the service and manual book for the car – which they promised as the car was sold with a full service history. I have sent Moneybarn the e-mail and have been communicating with them. I have had endless repairs done as the company I bought the car from is totally ignoring me now. I have kept all the records of communication with the dealership and referred it to Moneybarn now. Question is - what an I entitled to. I have requested that they reimburse me for the money spent and fix the car or exchange for another car of equal money, the Last alternative is for them to refund what I have already paid and cancel the agreement. Any ideas will be greatly appreciated.