HI GUYS Just doing this on the behalf of my bro who is 26. He has been off work for 6 months now. He has a part time job cleaning a school. He is still sending in his fit notes to his manager but wants to know if he can also have his holiday pay with it. The holidays restart from 1st jan next year. His contract says that he can't take any holidays over to the new year. So where does he stand? His manager don't tell him what's going on and mostly keeps him in the dark. Can he asks to speak to someone over this like HR? Any advice would help him lots thank you in advance!

Hi, Not sure if i'm in the right place. I have revisted an old property recently and found a ccj for an old orange debt passed to lowel. With Brian Carter acting on behalf of them. The ccj was issued in December 2014 for the debt of £733 and i was ordered to pay £50 a month. This is nearly 12 months old and Carter is in a right flap, obviously. The address correspondence has been sent to, i own, and is rented out. The tenants say no bailiffs have been around. I can't understand why?, if it's nearly 12 months ago. this is my second ccj the first one for £1000, i was ordered to pay it immediately. I didn't have the money so i ignored and heard nothing more about it. I owe around 40k to various, whom i have agreed repayment plans with. Anyone have an idea what Carter will do next if i don't pay? Can he get a charging order on my house? And why has he not taken more steps after nearly 12 months? Many thanks if anyone can give me guidance.

I've received the following letter from DCBL Certificated Bailiffs & High Court Enforcement saying that my overdue debt of £180 to New Generation Parking Management (NGPM) has been assigned to them to recover. The letter is printed on really poor paper and looks like it's been printed on a teenagers printer in their bedroom where the ink is almost running out. The letter is titled "Notice of Debt Assignment" :- I have this letter on my Flickr account but this website won't let me put links in any posts. This was for a parking charge notice (PCN) from back in early summer 2014. I ignored the first ever letter saying I had to pay this and I never received anymore letters. Then over 18 months later, today this letter in the link above arrived on my doorstep. So now what do I do? I read other posts etc. And they all seem to say that once it gets to the debt collectors stage to totally ignore everything and not to contact them in any way. But is this at that stage now? Or further on. Is this a further scare tactic or actually serious? Their website on this new letter shows that they were on the TV program "don't pay, we take it away". Any advice would be great appreciated.

Please if you could help me in getting my money from funkyclock [problem]: 28 Oct VIS FR FUNKYCLOC.CO LONDON 75.97 28 Sep VIS FR FUNKYCLOC.CO LONDON 76.06 after 3 day trial period which they took which is not mentioned clearly. I want my money back. Please let me know how to go about getting my money 152.03 GBP back.

https://uk.news.yahoo.com/pensioner-reunited-car-forgetting-where-122008200.html#Vt0qp4x The principle again proving they call the shots...

Hi there, First post here but long been an observer. Had an account with Lending Stream which due to financial difficulty defaulted in April 2011. Motormile finance purchased the debt from Lending Stream in 2013, and I entered dialogue with Motormile as soon as I received correspondence from them. I requested a full statement of account and a copy of the default notice, as no default notice was received from Lending Stream. After hearing nothing back for over 2 months, I chased Motormile who reluctantly admitted they were unable to obtain this information from Lending Stream. The balance (including a high proportion of default fees, late payment fees etc) was £782, Motormile offered to settle for £250. I agreed this on the condition that the default notice would be removed, as they were unable to show a statement of account or a default notice had been sent, and Barry from Motormile called me a couple of days later to confirm he'd spoken with Lending Stream and they'd removed the default. I paid in full via card £250 over the phone after receiving email confirmation from Motormile the default was being removed (see below). "Email: Good Afternoon Mr *, I can confirm that we have previous received confirmation from Lending Stream that they would update your credit file for the data they have shared. I understand from our early conversation that this has now been updated accordingly. Should you have any further concerns regarding this, please contact me again. As requested, I shall arrange for our collections department to contact you to settle the account. Regards, Barry Customer Relations Manager Motormile Finance UK Ltd (MMF)" After being declined for credit, I checked my credit file in June 2015 to find that the default had been reappeared on the credit file, this time from Motormile Finance. I queried this with Motormile immediately. I was promised a response to my complaint within 14 days. Over a month passed (chased every week), blaming Lending Stream. Once I pointed out on multiple occasions that the default was from Motormile and not lending stream I received a response saying my compaint was being investigated and I would receive a response within 28 days. Sure enough, a month later, I received this response: "Dear Mr *. Thank you for your recent correspondence. We understand your concerns to be that: · We have requested the removal of the default from your credit file previously, however this has recently re-appeared. · You have applied for a mortgage and the default applied by MMF is having a detrimental effect to your application. We have investigated your complaint thoroughly and have provided a response to each concern individually below: We have requested the removal of the default from your credit file previously, however this has recently re-appeared. We have reviewed all correspondence on your account and have found that you have previously discussed your credit file with us in December 2013. We would firstly like to make you aware that MMF did not record any data with the credit reference agencies at this period and as such, never agreed to remove any information on your credit file. Your correspondence with us in December 2013 was in regards to data that was shared on your credit file by Lending Stream. In December 2013, we explained that as MMF has purchased the account, we are legally obligated to take over any information on your credit file. We are obligated to do this to provide an accurate reflection on a consumers credit history. The default that was originally applied by Lending Stream should have been removed in August 2013 and updated to show that the account had been sold. As a resolution to your concerns in December 2013, Lending Stream confirmed to us that they had updated your credit file accordingly. You have applied for a mortgage and the default applied by MMF is having a detrimental effect to your application. We are sorry to hear that you feel this default is affecting your chances to obtain a mortgage. We are obligated to report factual and up to date information on your credit file to provide an accurate reflection of your credit history. Lending Stream have confirmed to us that a notice of default was sent your postal address (*) on 11 April 2011 and the account defaulted on 25 April 2011. We have provided you with a copy of this documentation for your records. As you were provided with a notice of default, we are unable to remove the information as the data is factually correct. We hope this response has brought the matter to an acceptable resolution and the action taken is to your satisfaction. However, this is our final response, if you remain unhappy with the response I have attached a link to the leaflet about the Financial Ombudsman Service (FOS). Should you choose to contact them, you will need to do so within six months from the date of this email, enclosing a copy of the final response, which they will need for their investigation. If you would like a copy of this response by post including the leaflet please let me know by return email. FOS Leaflet: - Kind Regards, Pat Lee Customer Relations Officer Motormile Finance UK Ltd (MMF)" The default reappeared in February 2015. Originally this showed as a fresh default on this date, dropping off in February 2021, but they have updated this to the actual date of the debt, dropping off in April 2017. Removal of this default was essentially a term of me settling the debt (I refused to pay without this being part of the agreement), at at no point was there an indication it could reappear. On discussing this with Barry I was assured that this couldn't reappear, completely contradictory to the claim in the response stating I was made aware of motormile legally obliged to taking over my credit data. Motormile had 2 months to supply details of the default notice and statement of account back in 2013, so now sending me a copy of the default notice after complaining in 2015, which was never received, seems ridiculous to me. I issued a data access request last week of which I am awaiting an acknowledgement of receipt. Where do I stand here? Do I have grounds to have this removed? Motorfile seem firm on their stance, if I have a case would be happy to proceed with the court or FCO complaint, whichever I am more likely to obtain the outcome of removal. I have applied for a mortgage on a dream home, most likely to come back as a decline next week solely due to this default. Any advice would be much appreciated Many thanks for your time - Lewis

Hi everyone, we purchased an Indersit Washing Machine (IWE 91281 ECO) from Currys in 11/2012 the machine is now only 26 Months old and its starting to make quite a racket. If you turn the drum by hand you can hear a constant rumble the bearings are basically shot. The machine cost approximately £270 and we opted for the 9kg machine to cut down on loads. I was quite prepared to change the bearings myself until I realised its a sealed drum you have to replace the whole drum. I just called Indersit directly and I'm completely disgusted by their sales staff I was very pleasant and not aggressive in the slightest I simply asked how much to fix it. Basically I was given 2 options 1. Pay £109 callout plus parts approximately £150 so £250 2. Pay a Monthly fee of £15.49 for a year they will replace if they cannot fix it. (£186) I asked to be emailed the quote they are unable to do this I then said can I think about it to which I was told "What is there to think about? " I hung up at this point. Seriously this is disgusting. So the machine is basically financially none viable to repair for a £8 set of bearings. To put that in context its like scrapping your £10,000 car for a £300 repair bill after 2 years. Do I have any recourse with Curry's as this is not right at all? I have the receipt. Thanks Mr P

My vodafone account number is ........ Having returned the new iPhone 6 within 3 days of taking out the contract to cancel, over 5 months later I have yet to receive a refund for the £201 I am owed have today received a final demand letter threatening to involve a debt collection company. I have visited the store on 7 occasions, and spent countless hours on the phone and on online chat attempting to get this resolved. On 17 occasions; yes I have counted, a member of staff from either the store/phone/online have promised they will call me back. On literally NO occasions this has happened. I am at my wits end. I will be turning up at head office during my day off next week if this is not resolved soonest!! I have used the web form with the cat reference code so hoping 'lee' or whoever will finally take an interest in this. My vodafone reference number for the web form is #11420834

A relative has approached me to ask for help with their ESA claim as they are still only in receipt of ESA at the assessment rate after 15 months. From the information I have it appears that they were claiming as a sole claimant in their own right initially. Then she advised that she was in a relationship and the claim was adjusted to reflect and became a joint claim. During this time, in order for her to maintain her own N.I Contributions she was to attend a medical appointment with ATOS. However, the first appointment conflicted with a family court hearing and they sent out a new date. The second medical appointment actually fell on a Bank Holiday and I took her there myself and the doors were locked and no one was answering the telephones. The DWP made no effort of apologiy and a further appointment alledgedly was sent out, albeit was never received. The relationship ended and she made a new claim in her own right in May 2014 From a timescale point of view, this relative has been on E.S.A. Assessment rate ever since and DWP have made no effort to arrange a new medical appointment for her. She has Mental Health issues and is unable to budget due to her capacity. This is causing severe distress and I am seeking your advice as to what legalities are available as ATOS are no longer involved. How can we get this situation moving?

Good evening, I visited DL under 3 weeks ago, joined, was told December would be free and my payments would start in Jan (for a 3 month contract). I asked the sales person if there was a cooling off policy, he said if I hadn't used the facilities "it would be fine". So, two cancelled inductions later (cancelled by DL) I cancelled. Turns out the "changing your mind" can only be done in 7 days after paying the joining fee. This isn't what the sales guy told me. It is on the back of the contract (DL pointed it out to me when I cancelled). Is there anything I can do about this? I haven't used the gym, I am still under the free membership month. Not sure why they gave me December free though. Or do I take a hard lesson in never believing sales people and reading everything before I sign it? Thank you for any advice!

Hi All, In August 2014 I received a Claim from Northampton CC from Cabot. I wrote to the solicitor asking for a copy of the signed agreement as it would be something they would need to have anyway should the claim go to court. They agreed and I got the 28 days extension after acknowledging the claim. I sent copies of all correspondence to Northampton to attach to the claim but they have never supplied the agreement. here we are almost 1 year later and they have sent another letter, quoting the original claim stating that they sent two letters (both the same day) in April this year, one of which says they attached the documentation originally requested, the other offering a reduced payment, neither of which I can say I received. Is there any argument I can make to close this claim (I did have a look and it is still sat on Northampton with the last action being me acknowledging) as it has been open for almost 12 months. Additionally, the Claim documentation is signed by the solicitors not by the person who wrote the particulars and I am sure that I have read somewhere that it must be signed by a representative of the solicitors, "Mr Joe Blogs" for example and not as "A.N Other Solicitors". Is this true and how terminal is this to their claim, if at all. Any advice or information would be gratefully received. G

There are so many press reports recently of debtors being arrested and in this case, found guilty and sentenced to 8 months in prison (suspended). In this case the debtor's car had been moved onto a vehicle trailer by bailiffs from JBW Group and the debtor set the car on fire. Link and word version of story below: http://www.plymouthherald.co.uk/Plymouth-man-set-car-seized-bailiffs/story-26217852-detail/story.html Desperate Bekim Recica, aged 42, set the Vauxhall Zafira ablaze as a recovery company prepared to remove it from outside his home, Plymouth Crown Court heard. The father-of-five had earlier threatened to kill anyone who came near the vehicle. Nobody was hurt but the car was wrecked and the low loader where it was sitting was damaged, the court heard. Handing him a suspended prison sentence, Judge Paul Darlow told him: “It was explained to you that once the car was seized, it no longer belonged to you. “You clearly armed yourself with petrol and made very determined efforts to set fire to the car despite very clear warnings.”

I have applied to several UK banks for current accounts over a period of approximately two months and, for various reasons (such as mistakenly being classified as not being on the electoral roll), been rejected by all of them. The application searches are on my Experian credit file. I appreciate that having too many applications in a short period of time is not something the banks take too kindly to. Should I wait a period of time before applying to further banks? I appreciate it's a question one can generally only guestimate, but how many banks would be "too many" to apply to before further banks get suspicious and reject an application? If I should wait for a while, how long should I wait please? Thanks a lot.

Hi please can I get some help Faulty steam shower - retailer refuses to honour 5 year warranty In May 2012, I bought a steam shower, as it had a 5 year warranty from Heat and Plumb London, (they still sell these), there are several faults which have now made the shower unsafe if not impossible to use, I wrote to them last week after speaking to which legal (they give you advice but are now very busy) they said the shower was covered under the Sale of good act 1979, so I wrote to the retailer asking for the repair or replacement as it should have lasted more than 2 years.........they have come back and state the original supplier to them is now bankrupt and they can send me parts if I remove the old ones and send them the details of them and will have to charge me, I am not happy as the shower is not working and we have no resolution, I sent this email below and have still not heard anything from the retailer at all now since last week when they stated the supplier is bankrupt, so no warranty - I need to have a new shower installed this weekend as this is no good, and cost me £800 in 2012, I am having to pay another 500 for the new shower cubicle, now! I sent this last week! Dear Sir Sale of goods Act 1979 - defective shower unit - request for replacement and/or repair at suppliers cost. I have now taken legal advice in this matter, I can confirm that my contract for the purchase of the above shower unit which cost approx. £800 is with Purity Bathrooms T/A HEAT AND PLUMB, after considering the matter closely and due to the nature and cost of the appliance/shower unit, I can confirm that the durability and Quality of the product is not of satisfactory quality and failed to be fit for purpose. Sale of Goods Act 1979 Under the Sale of Goods Act 1979 goods must be as described, of satisfactory quality and fit for purpose. I can confirm that the shower Unit is not fit for purpose as this should have lasted longer than 18 months, moreover the shower steam unit has failed and so has the thermostatic selector for the shower, in addition the build quality is of a inferior design, which has caused these failures, I must also inform you that the reason for buying the shower at such a high cost was due to the 5 year, warranty which you supplied as part of the sale. The contract remains with Heat and Plumb, therefore I now wish to replace the Unit as there is no guarantee for this item and the terms of the contract has been broken by your Company, accordingly any product you now supply (replace) must be of a suitable quality, under the terms of the Sale of Goods Act 1979 and must be as described, and of satisfactory quality and ad fit for purpose, unless you are prepared to supply me with a shower unit which you can now guarantee to be as stated, then I will expect a full refund by return. I await your written response by return and give you no more than 7 working days to conclude this matter and either send me a satisfactory and fit for purpose shower unit which will last longer than the warranty, or send me a full refund, failing which I will have no other option but to issue a County Court claim for damages and loss, which will include legal costs and costs for time to issue proceedings. Please send your response in writing only so there is a record of this issue and I look forward to resolving this matter as soon as possible. Kind regards

this just happened to a friend. .. warrant was issued 12 months ago to old address AFTER the new rules came into force. the 12 month period has just elapsed, my friend expecting that "it's safe to come out now" contacted the bailiffs by phone. Note, my friend was found and contacted about a month ago only by email and no evidence has been provided so far to confirm the debt was valid, they sent each other a couple of emails mainly disagreeing with each other. It turns out that one of the emails sent by the bailiff (2 days before 12 months passed) was their idea of a "payment agreement".. . of course this was never acknowledged of agreed to by my friend and the exact wording I am waiting to find out, can the bailiff simply create this payment agreement without agreement from the alleged debtor? The result is that the bailiff has reset the 12 month clock with a simple email. Please someone tell me this isn't right. Thanks

Hi All, I'm wondering if anybody can offer any guidance (I've searched the forum but cannot find a definitive answer). I had a Halifax credit card for several years and in November / December 2013 they wrote to me saying that they were increasing the APR (by quite some margin). I wrote back saying that I rejected the interest rate increase and they replied saying that the account would close and I could continue paying at the old interest rate until the balance was cleared. I previously had online access to my credit card account and also used to receive monthly paper statements through the post. However, once I had rejected the increase, the account was closed and my online account access was withdrawn and I've never received a paper statement since (either monthly nor an annual statement) since - so no statements for 18 months. I was moaning to a colleague about this and they advised that Halifax are obliged to send statements otherwise they are unable to charge interest - is this correct?? As I say, I've searched the forum but cannot find a reference to this - can anybody please advised? Thanks In Advance Nigel.

The following news story appeared on SCOOP last night and involves a bailiff from JBW Group. A judge told Birmingham Crown Court that he feared the public would think him "mad" to not send the 32-year-old to prison A violent dad who refused to pay a parking ticket has been jailed after he threatened to stab a fines officer when the penalty spiralled to £400. Robert Hunter was sentenced to 15 months after threatening Craig Fishwick with a kitchen knife when he called to his home on Yarnfield Road, Tyseley. A jury convicted the 32-year-old at Birmingham Crown Court after hearing he told Mr Fishwick: "You're not taking my f ****** car, I'll stab you." Jailing the dad for threatening a person with a bladed article, Judge Roderick Henderson said: "The public would think I was mad if I did not send to prison immediately someone who behaves like this." Hunter received the fine last year, but left the fee unpaid, the Birmingham Mail reports. Mr Fishwick, a collections officer with 20 years experience, went to Hunter's home with a bill for £400 on July 16, but received no answer when he knocked the door. He pushed a note through Hunter's door and later received an aggressive call on his mobile. When Mr Fishwick returned, Hunter opened his front door holding the knife and threatened the fine collector, making a 'stabbing motion' and lunging forward. But Mr Fishwick said Hunter never got closer than four feet away from him. Judge Henderson said: "You got a parking ticket and you neglected to deal with it, I suspect. "Lots of us have been irritated by parking tickets. "While there was some impulsiveness in what you did, you knew what it was about, you knew you were stuck with the fine. "You chose to go to the door with a knife." The judge went on: "If you had connected you might have caused very serious injuries. "The reason the courts and public get so wound up about knives is because they cause devastating injuries and can kill someone." The court heard Hunter had a previous conviction for criminal damage and possession of an offensive weapon from 2009. In that incident he smashed the window of a bus with an extendable baton after a passenger gave him a dirty look for parking in a bus stop. Martin Liddiard, defending, said since that incident Hunter had become a dad-of-two and was settled down and working. He said: "It was spur of the moment and reactive. It was very short-lived." http://www.scoop.it/t/lacef-news http://www.mirror.co.uk/news/uk-news/youre-not-taking-f-car-5799147

Hi Please help, I worked for a company for 4 years. We parted company as they wanted to downgrade my position without any reason or reviews taken place. After i left, in February 2015; I then received my regular salary on following month March. They are now (May) demanding I pay back all the sum within 5 days or face court action. I have been home all this time and not found a job, nor on benefit. I have used the money to pay for my living. I don't dispute the over-payment... What options do I have? Id like to pay back when I get a job on a monthly basis, I don't want a CCJ. please advise. Thanks.

Hi GUys, I wonder if I can ask for your expert advice. Three years ago my cousin bought a washing machine (washer/drier) and 5 year extended warranty from an online website. In December 2014 the washing machine stopped working correctly (kept filling with water nothing else) so the warranty company was called and an engineer came out. On the first visit the engineer didn't seem very professional and actually flooded the kitchen and some water went into the lounger - didn't clean it up properly either. He stated he would need to order some parts which would take some time but they would make another appointment when they arrive. After about 3 weeks just before Christmas the warranty company called, parts have been received and to make another appointment. A different engineer came out, fitted some parts and tested the machine - same as before keeps filling with water. The engineer didn't seem very professional either as he spent a long time on the phone asking someone what he needs to do and it seems like he (they) checked everything in the machine. He stated they need to order some more parts which would take 14 working days as they are coming from China! Once they arrive they would phone to make an appointment. Towards the end of January they chased the warranty company and were passed around a few people. The person who they spoke to stated that the parts had been received but, the engineer who had them (who visited last) had left the company/run off with them!!! So the parts would have to be re-ordered from China which will take another 14 working days to arrive they would phone to make an appointment. My cousin had a bit of a rant at them that they have been without a washing machine since the start of December and they are a family of 4 and need to do washing 3-4 times a week and having to go to the laundrette and spending about £8 each time on washing and drying. The warranty company person didn't seem too distraught and stated that they would refund the cost of having to use the laundrette. But I then added what about the fuel cost of getting there and the time it takes - they just apologised and said that's all they can do. It is now 2.5 months since the washing machine stopped working and almost 3 weeks since the last contact with the warranty company - not heard anything further and the water is still in the washing machine since the last engineers visit. My cousins wife is at her wits end as she has now done around 74 trips (37 return) to the laundrette, spending over £275 on washing & drying + cost of fuel and time, as each trip takes half an hour - she has tried to combine it with other chores (school run/shopping/going to church) where possible, but when drying has had to wait or come back - additional trips & time. SO, can you guys advise what is the best course of action to take? Are there any rules/benchmarks for expected service under extended warranties? Will they really refund just the washing/drying costs of £275 so far? Is there an ombudsman who this can be taken to? Thanks, Mark.

I wonder if anyone from Renfrewshire is having the same problem. I have been waiting 7 months for my DHP application (to pay the bedroom tax) to be processed. I have contacted the office a few times by email and get the same response "we are dealing with many of these forms and your claim will be reviewed". I have also sent in a new claim for DHP starting this april 2015 and have still heard nothing. I successfully got DHP twice before but since the SNP announced they will be fully mitigating the bedroom tax everything seems to be at a standstill.

hi , i'm new so i apologize if this is in the wrong place , basically i bought a brand new car on hire purchase/pcp through a main dealer roughly 9 months ago , in the 9 months ive not had a single problem with the car mechanically up until 24/03/15 ( 2 weeks ) when it suddenly broke down on the way home from work , the dealer has had my car since the 24/03/15 , for the first week it was in they couldn't find the fault in order to get it running again , on the 02/04/15 they tried replacing the PCM saying it should be up and running by the end of the day but nothing it just won't start , they said the diagnostics are coming back ok but it just wont start/turnover !!!! this is the beginning of the 3rd week , ive just been down to speak to them , i got told that they are in talks with head office about what they are going to do etc i'd just like a bit of advice on where i stand on the matter , my partner and i are a bit in 2 minds about trusting the car again if they ever get it running , do i have to take a replacement or can i reject their offer and get the contract canceled any advice would be great

Hello All, I have this bad experience with Lycafly. They have taken a long time to return my money for cancellation of a flight due on 28-Nov-2014. I have been literally stressed and had to do a lot of chasing to get my money back. They are going to return after all this chase this Friday. Do I have legal rights to claim compensation for such a long delay they took. Please advise. Thanks

The following story appears on SCOOP today: http://www.scoop.it/t/lacef-news An angry householder, armed with a knife, chased two court bailiffs down a street whilst threatening to kill them. Arfan Bhatti, 46, who was jailed for six months, was furious when the officials arrived to pursue a £132 debt in relation to a traffic fine from a magistrates court. The bailiffs claim Bhatti chased them for about 100 yards putting them in fear of their lives as he yelled he was going to "stab" and "kill" them. He then went back into his home in Byfield Drive, Wigston, before reappearing without the large kitchen knife to shout and swear at them, as they took refuge in their van. The victims, who had already called for the police, drove away. When arrested he claimed he did not initially realise the two men were court bailiffs. Mr Murphy said the background to the incident related to a £332 fine from Hertfordshire Magistrates, towards which he had already paid £200. A warrant was issued and on March 25 last year the bailiffs arrived at 10am and, despite cars on the driveway, there was no response to their knocking. One of them went to the back door and another went to the kitchen window, where the defendant was seen inside brandishing a large knife – prompting them to flee and one of them dropped his clipboard. Mr Murphy said the victims had told him they were "officers of the court." Bhatti pleaded guilty to possessing a knife in a public place and causing an affray. Judge Michael Fowler said: "I accept it wasn't planned, but you responded to those bailiffs carrying out their duty in an unacceptable way.

New universal credit rules which could leave 200,000 claimants waiting six months for benefit http://www.rightsnet.org.uk/forums/viewthread/7878/ So much for making work pay, eh.....

Purchased a car from a main dealer who in previous experience we had received good service. However, purchased a car almost £7k, low mileage, service history, 12 months warranty and MOT. Payment was part cash and part finance. On the original test drive we heard a noise and was told by the salesman that it was the brakes from being parked for awhile and would soon settle down. To be reassured, we took another test drive in it at different time of day on different roads and the noise was quieter, albeit still there. The dealer agreed to carry out a full service and MOT at no extra charge and we arranged the finance with their colleague. Within a week we were getting an engine maintenance light come on and took the vehicle back to the dealer. We waited with it and within an hour they said they had 'cleared' the fault. We drove half a mile down the road and the same warning appeared on the dash so turned around and returned to the dealer. We booked it in for them to investigate it further and once again they said it was 'fixed' but it returned again a few days later. Eventually, they managed to clear it. The fuel consumption is absolutely ridiculous but we put some of that down to the model and engine size not being sufficient enough to carry the load, as lots of owners reported similar. Last week they had the car again to investigate the original noise which hadn't gone and they said it was rear brake pads and discs but agreed to contribute half towards it having had a hissy fit in front of the service manager, lol. The dealership agreed the noise was still there after they test drove it having done the brakes and it was booked in again for today with a courtesy car available until they get it resolved. They attempted to charge me for the insurance on the courtesy car but I stood my ground. So, my question is this: as there is some finance on the vehicle and we've had so many problems with it, can we approach the finance company as they are jointly liable and if so, what could be a reasonable outcome? Not looking for crystal ball answers, just legally how do we stand please?