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Hereagain

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Posts posted by Hereagain

  1. I’ll try and be as brief as possible....sorry


    -    My family car went bang in late January 2021, uneconomical to repair
    -    Found a Kia dealership 2 hours away (closest to me) with a 66 plate Sportage for sale at £12499 with ad saying has android auto and voice control.  It has 3 years of the 7 year warranty left


    -    Buy it  putting £1000 in and financing the balance on HP
    -    Collect the car on the 30th Jan 2021 (200 mile round trip)


    -    Over the next few weeks find a few things that don’t work or need attention including not being able to get android auto working.
    -    Contact the dealership in early March (after the 30 days) to book in to get these things sorted.
    -    Told that they would need the car at least 2 days and that early April would be the first time courtesy cars would be available due to covid.
    -    Book it in for 14th April until the 16th
    -    Drop car off and go through the list including android auto not working
    -    Get phone call on the 16th saying the car doesn’t have android auto as it was too old.


    -    Complain on the 19th to the sales director who says that the ads are automatically generated and that it was mistake (another Sportage same age and spec on their website saying it had android auto when I called).  Said he would look into it.


    -    Calls back to say it was an error on their side and offers me £300 to find my own solution which I turn down.  He goes away and comes back saying it’s not possible to retrofit the newer system into older cars so if he could find a similar Sportage with Android auto would I consider a swap, yes was the answer. He said that he would give me as much as possible for mine and not make any profit on the new one.


    -    Go back to the original sales advisor who says he has nothing in stock but would have a look.
    -    I look on their website on Monday and see a 18 plate Sportage with Android auto and the same spec etc for £13993.  Contact the sales guy to be told that it’s sold and that they couldn’t get android auto to work on it anyway.


    -    Get a phone call Tuesday to say they have an 18 plate coming in on the 1st may that fits my needs for £14500. He said the first thing they would test is the android auto. He said he would work out the figures and get back to me.


    -    Calls back to say that the sales director had done the figures and that it would be £60 a month more than I’m paying now.  He told me that they would give me £10000 for mine but if they did it as a part ex then they could go to £10800.  This was £500 less than the settlement on the loan so they were using some profit on the 18 plate to pay that.  It just sounded wrong.  Had a big debate around a 13% loss in 11 weeks and 700 miles etc but he said that was the figures.


    -    Spoke to the sales director and he said that the finance was for £14000 so £500 was my deposit.  That meant I’d lost £500 that I can live with


    -    Get a phone call today saying car is in early and they have checked and android auto worked first time.  Tell them to proceed for delivery next weds


    -    Get the finance docs through  and see the reg, it’s the grey one on the website for £13993.


    -    Look at the finance and it £14533 I’m paying more than the cars advertised and they have lied to me


    I am paying them more than the car is worth, losing £1000, and they get their profit plus the original car back to sell again.

     

    I feel like rejecting the car but I’m concerned that the amount they deduct as it’s over 30 days and under 6 months will take it to around £10000 and I’ll owe £1300 to the finance company.  

     

    Does anyone know how much a sensible deduction would be?  If I took it to court what would a judge deduct?  Or any other advice on what to do?

     

     I really feel hard done by seeing as they sold a car that didn’t have what they said it had.
     

  2. Thanks dx 

    This is the only one which is paid by standing order from an old account I use for a few bills so forgot all about it. 

    I don't think BC ever did default it but know that know link can't add the default now after all these years. 

     

    I would have cca'd BC along with all the others in 2003 so they must have sent something. 

    I've just checked with my bank and they haven't refunded me  so must have been passing it on.....which is a shame. 

     

    I'll cca link. 

    Can you still tape a pound coin on to the letter or does it need to be a postal order?

     

    (Old username would have been something like tartanbarty or similar)

     

     

  3. Not been in here for years as thought I'd sorted everything. 

    Took out a Barclaycard in the 90's, went into a dmp in 2003. 

    I would have cca'd BC at that time but can't remember if they sent anything enforceable back. 

     

    I have been paying a small amount to BC every month ever since. 

    Moved house in 2010. 

    Happened to be passed a letter from link asset sent to my old address, first one I've seen. 

    Saying they have been assigned it in 2015 and the full balance is now due as I haven't made minimum payments. 

    If I don't they they start court proceedings and put a default on my credit file.

     

    I rang BC and they confirmed the account was sold to link asset in Feb 2015. 

    They said that since the sale date they have been refunding me the token payments and not passing them on. 

    There is no record on my bank account of any refunds.

    They told me the outstanding balance when sold.

     

    If I add up the token amounts paid since 2015 and knock that off what the balance was when sold then I get a very similar amount to what link are demanding.  BC never defaulted this account but should have in 2003. 

    It doesn't appear on any CRA report currently.

     

    It is now getting close to the 6 year limit which makes me think that BC haven't been passing on the payments. 

    Do BC pass on these payments as a rule? 

    Should I cca link in the hope of stalling it until the 6 years is reached.  

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