Hi I am hoping someone will be able to help me. My partner and I paid £5250 for a Nissan Navara pickup 54 plate just after Christmas. The vehicle is great for us as my partner is a gas engineer and he would be able to use the vehicle for work, and we would be able to fit our growing family in as we have dogs and a baby on the way (due April). It was the ideal replacement for his van, as I only have a small car on finance. We paid the money by bacs as the dealership requested, the same day - and as I'd negotiated a full service we went to pick it up a week later. After sending the money we were told literally as we picked up the keys that there was an issue with the central locking (it doesn't work) and that the lock on the back cab was broken - a nightmare for a bloke who keeps his tools in there for work! Anyway, we let this go and paid for the back cab lock to be fixed and although the lack of central locking as promised was disappointing, we let it go. However, 4 weeks ago, the vehicle broke down. The vehicle came with a 3 month warranty so we immediately informed the dealership. Here is a rough time line - 24th Feb - vehicle broke down. Dealership immediately informed - 3rd March - one week later vehicle picked up by a different garage. Was told approx. 2 week wait. - 4th March - I asked if we had an update. Was told at least a week. Enquired re courtesy car. Was told no and to expect a 2 week wait. - 7th March - rang the garage that had picked up the vehicle. When asked how much longer it would take, he laughed. Rang dealership, was promised a call back - never had any communication 10th March - Rang dealership to check date for collection - Was promised a call back, again no call back 13th March - Rang dealership. Was promised a call back. Someone rang back to say it would be tomorrow that they got back to me 14th March - Rang dealership, spoke to a man who told me that the car engine was in Slough and that the dealership needed to pay them, which would take 2 days, then the car engine needed to be brought back to the garage. No clue as to how long, but definitely not within the week. Now, my issue here is not with the warranty as clearly they are carrying out the work on our behalf, free of charge. My issue is with the communication and the customer service. I am beyond angry that we were't able to get a courtesy vehicle. My partner is self employed and no vehicle means no work. We have had to hire a van, and as he is only 23 this is expensive - £31 per day plus VAT! That means we have spent just under £1000 on hiring, and it looks like we will need to spend even more for the next week. We have also had to pay extortionate insurance prices too - on top of the £160 we have spent on insuring the faulty vehicle. I know the dealership will have spent a lot of money on this repair but it wouldn't have hurt them to offer a courtesy vehicle to limit the inconvenience and cost for us. They have sold us a vehicle in a unfit state as far as I am concerned. My question is - Can I just ask for our money back (I am okay to lose my £250 deposit) They will be able to sell it again with a reconditioned engine. I have lost all faith in the vehicle and I don't want to break down with a new born baby in the back - who knows what else could be wrong, clearly they don't do full checks. I am annoyed at the way the dealership have treated us and I never want to see the vehicle again. Am I within my rights to demand the money back?

Hi, My dad recently passed away to cancer, only last year he bought a Kawasaki Ninja ZX-10R Motorbike from a main dealer brand new on finance via Black Horse. The bike was only ridden twice before my dad fell ill and has been under cover ever since, my mum has recently contacted Black horse, they have sent her a letter giving her options: Pay the settlement figure of £12,003 Voluntarily surrender the vehicle to them and if any moneys in outstanding after the sale they will make an application to his estate. Continue with the monthly payments My mum has already signed and returned the from stating she will Surrender the vehicle to them. I am looking for any advice on where she stands legally with this, theoretically speaking they could sell the bike at auction for lets say £4,000 and then she would be liable for a balance of £8,000? Is this correct?? I am quite concerned that mum has felt pressured by them and not thought about the possible consequences. Could anyone offer some advice? Would be greatly appreciated. Many thanks!

I dont think this is a problem but I would be interested if someone could perhaps explain this to me. I took out a VW Finance HP Agreement for a car in 2010 over 5 years and have been paying this off absolutely fine for the last 4 years. When I received my annual statement the first page showed: Start of Agreement Duration of Agreement Amount of Credit Rate of Interest (Fixed) Screen shot attached. It is this last point which has me puzzled as the rate of interest is shown as 0.00% which i find as strange as I am obviously paying interest on my HP finance. Any ideas?

Hi, I was told that it might be possible to get some advice here. I'll have to be vague-ish about the details. This is what has happened: A friend purchased a large item online from a business using Paypal. The item arrived badly damaged and was not fit for purpose. So their understanding was that pursuant to the Distance Selling Regs the seller was obligated to pay for the cost of returning the item. My friend sent photos of the damage to the seller, which the seller acknowledged. The seller was asked if it would be possible to repair the item. The seller said that this would not be possible. The seller then completely ignored all further communication. My friend opened a dispute in Paypal's resolution centre and contacted Trading Standards. An LBA was also sent by recorded delivery to the seller. This letter advised that the item would be disposed of within 14 days if the seller did not arrange collection or agree to re-reimburse my friend for the cost of the return. My friend actually held onto the item for well over a month whilst waiting for the seller to respond. Paypal's dispute resolution advised that the item be returned for a refund. There were a number of problems with this. The seller's Paypal address for the return was different from the sellers business address originally provided with the purchase. The item was so large and heavy that the cost of the return would have been prohibitive. Due to the nature of the item (the seller would have immediately recognised it even when packaged) it was believed that the seller would simply refuse delivery. This would have left my friend out of pocket for both the cost of the return and without a refund for the item. So in Paypals resolution centre my friend entered the tracking number for the recorded delivery letter that had been sent to the seller. Paypal then refunded my friends payment. My friend then waited for over a month for the seller to reply to either the letter or emails to arrange collection of the item. The seller did not make contact at all. Consequently my friend had to dispose of the item (due to the size and nature of the item it was not possible to store it for any longer). My friend had a phone call from the Trading Standards officer investigating the transaction today. When informed that the item had been disposed of the Trading Standards Officer stated that fraud had been committed by my friend. So my friend is now very scared and in need of advice!

Hi, Its been a while since i was last on here... Just needing some advice on what i can do next.. I purchased a bed on eBay 17/12/2013 and paid via paypal. I got the despatch email along with a tracking number. The delivery was due between 20th Dec upto 23rd Dec. I went online on the 20th to check the tracking info only to see that the item was saying delivered on the 19th Dec @ 17.01.. I contacted the seller who said they would investigate after the xmas holidays.. After the holidays i chased them for an update regarding this and asked for the copy of the signature and a description of the person who signed for it.. Nothing was sent to me, then the driver arrived on Monday 6th Jan wanting further info from me.. I asked the driver who signed for it and he replied, some guy stood on the drive, i then left it in a safe place, When asked where this safe place was he advised it was on the path next to the garage!! ( which is visible from the street ) when asked why he thought that was a safe place he just shrugged his shoulders. Ive even checked with the neighbours and none of them have signed for it, so i opened a case with paypal and supplied all the info they needed.. Paypal then closed the dispute in favour of the seller as they had provided tracking info and as far as they were concerned that was enough evidence to show it was sent to me, even though i had explained fully in the claim that we hadnt received or signed for the delivery. I received an email this morning from the seller offering replacement parts (if i was unhappy with the items received) or a partial refund! What can i do next to try and claim my full money back from them? Thanks

hi i am new to this so could you please be patient i took out a hire purchase agreement with barclays partner finance for a static caravan i got into financial difficulty and they repossessed the caravan. i have paid under 1/3 they have admitted they didn't send out a default notice or court order could you please answer some questions 1/ was it illegal repossess the caravan without a default notice i.e court case chartered trust plc vs king 2/ the caravan was sited on a private caravan park and i was up to date with site fees , should they have got a court order i am thinking of taking them to small claims court could you answer these questions please i am claiming £22000 1/it is £340 initial fee and £540 court fees, is this all i will have to pay if i fail i.e their solicitor fees 2/ do you think that i have a case that i could win thanks

Freehold Purchase Problem Collective Enfranchisement, nominations delayed. Hello Everyone, I’m in a situation where I need some honest advice. In nutshell, we are late in sending nominations and now freeholder refusing to sell freehold. I, with four other leaseholders are buying freehold of our whole block which is having six flats inside. One of the leaseholder is not interested and he is the only one out. The freeholder company went into administration and appointed administrators sent all of us letters as qualifying tenants under 187 Act Sect 5A to accept the offer to buy and nominate within two + two months. 5 out of 6 of us agreed and sent our names back to them confirming our will to buy within first two months. Later on we started contacting each other as no one was living there in that block, all the lessees had their flats rented out so it took us a while to get together, signing up a solicitor and forming up a company under which we could buy the freehold. When we finally formed up the company and sent the details to freeholder they refused to accept it saying after initial 2 months of offer acceptance (which we did) you had another two months of nominations to exercise your rights which you couldn’t do and we therefore not selling it to you anymore. We have another buyer now and we are going ahead with them. We checked the article 10 of their offer notice as they mentioned and they were right, it was written there which neither we nor our so called solicitor bothered to check and we were approximately 10 days late. Our solicitor spoke to them and formally requested them to start the proceeding of purchase but freeholder’s administrators are not moving an inch from their stance. Looks like they already had a buyer on the back seat and they were waiting for any glitch to arise from us. Now, our solicitor has sent a letter to freeholders stating our intentions to pursue the court if the sale goes ahead with third party. There has been no answer yet as it is only two days old activity. I spoke to another solicitor meanwhile explaining whole situation and he says that we shouldn’t go to court as it might get turned down by court and you end up paying your and other side’s court and legal fees. He suggested that he can get it done through 1993 Act in which we contact the freeholder by ourselves and exercise the right to buy after getting the valuation of freehold done independently. In this route, if freeholder doesn’t agree we can go through tribunal to exercise our right to buy and all that legal stuff. I’m quite confused at the moment what to do. Other 4 freeholders are also behind me. Whenever I update them, they just say to me that we will do whatever you say just don’t let it go. They don’t know much about these things. I don’t want to take any step which ends me up in being cursed by them for always. I’m not very confident about both solicitors either as first one looks not v experienced/competent in these matters and second one could just be looking after his business. That’s why I’m here to seek some honest advice. Shall we go to court to stop the third party sale or shall we choose the 1993 ACT? Which one sounds more promising and what are the chances? YOUR ADVICE IS HIGHLY APPRECIATED. THANKS.

Hello All, Please provide some advice on the following; I had a car stolen in February 2013 which I reported to both the police and my insurance, I have never received a crime reference number and the insurance have refused to make a payment with out one. The car has been recovered this last week and a formal complaint has been made to the police reference to the crime number as we still do not have one. Who can I recover uninsured losses against ? As my excess is 3 K does this cover the total losses or if I have lots of small bills is each bill treated as a separate issue? Thanks for any help

hello there, I have got hire purchase agreement on a car with Welcome Finance comp. on 17th May 2006. I had kept it for about 12 months and then had voluntarily terminated the agreement by calling them and asking to collect the car. They had come and collected the car in excellent condition. After in June 2007 I have received a letter asking to pay about 5000 pounds that is overdue from my contract. I had called them and started to negotiate on the price saying that I will not owe anything because i had paid already around £5300 (including £800 cash deposit). the payment for a month was £370.30(including insurance) there was credit of£3323 for insurance and credit of £7799 for the goods, total coming to £11122.37. agreement signed for 48 months with a typical APR 28.6%. so after the added APR total amount came up to £18674. Termination rights of agreement says that if i had paid 6667.12 of the goods amount and returned the car in reasonable condition i don't need to pay any more. Apparently from amount I paid £5300 almost a half is only for insurance and the rest if for the goods. Long story cut short: I have received court claim form on 5th of June 2013 asking me to pay £5084. And I had not been in contact with them from june 2007. Could anyone please help to deal with this situation? I have no idea how to. I have to respond to court till 1st of July .Maybe anyone can check the agreement if its legal? I went to CAB and they told me to seek solicitors advice on this agreement because its old and it might be with the way they count APR on insurances and stuff.. please find my attached agreement. I also aim to claim PPI as it was mis-sold to me on this agreement as well. Any help is much appreciated thank you nick

ello, I had a debt with HBOS which despite several requests for a correct CCA they never delivered as they could not supply me with a CCA I refused to pay. I have not heard anything for 18 months then despite having moved three times IND delivered a demand to an address where I have recently moved. I dont know how they got the address as it is not my house so a few questions if anyone can help....... 1) Will my credit affect this household if IND know im here? 2) Any advice on the letters they sent below: Kind Regards Exasp Ind Letters.pdf

Hi all, recieved a default notice from these clowns today. It doesnt say where the debt originated and I dont recognise it. It doesnt even appear on my credit files! So can they do this, I mean put a default on your file. Also, what can I do to stop them doing this? Thanks in advance!

Hi there. I recently ordered an iPad online via the PC world website and took delivery of it on Tuesday. I had opened the outer cellophane packaging to take a look inside, however the actual contents remain unused and are, of course, in brand new, factory condition. I have since changed my mind and wished to return the iPad under DSR. According to PC worlds Terms and Condtions regarding returns, I can return items via post or in an actual store. So I then went to a store yesterday only to be refused a refund in store as the item had been opened. After arguing and pointing out the returns procedure, making note of the DSR, I was still refused by the manager who was adamant he wasn't going to refund me. I then went to another store around the corner and asked a member of staff "Can i return an item I bought online, that has been opened, in store for a refund?" He said "yes, under DSR." This man was helpful, however I needed to speak to someone else to actually process the return. Of course I was also turned away with the same rubbish saying since it has been opened I need to return it online via collection or post. I said I have returned an item previously that I have ordered online (which had been opened) in store. Their reply "Yes, cheaper items are fine but things like iPads have a different policy". What a load of BS. Following that waste of time, I made a call to their head office CS who also don't seem to understand their own policies, only to be told the store will not refund me. The person then opened up a complaint against the store. This is from PC worlds website: Link: (can't post link due to post count but can easily be found on their website) Here are their T&C's regarding returns: I really don't know what to do now. Sure I can get a refund the long way via post but it is now a matter of principle. They're not only going against their own policies, but are refusing my consumer right to return my item. What action can I take to get my refund and more importantly how can I take this up further, and with whom, to make it clear thats these bad business practices will not be tolerated by consumers? I paid via my visa debit card, perhaps a chargeback is possible? Order total was £499 Any feedback or advice will be appreciated. Thanks for reading.

I have a hire purchase agreement for a 53 Plate car with 55,000 miles, which was obtained last July which was not driving well from the off, but particularly as the weeks passed I noticed that the brakes, suspension and various other parts of the car were not to the standard I was used to (prior to that I drove a 1999 Vauxhall Vectra with 160,000 miles on the clock, so one would expect the 53 Plate to be much improved. Also the car is semi automatic and would not always switch into reverse, sometimes taking 5 or more attempts from switching to drive to reverse to attempt it to work, or sometimes it would not work at all. I reported the matter by telephone to the dealer who explained I would need to contact the finance company as it was their responsibility. I did this by telephone although they stated it was usually down to the dealer to look at and fix the vehicle if applicable as it should have still been under warranty but they said they would ask somebody from the relevant department to contact me. After time passing with no response I put my requests in writing (for the suspected faults to be investigated) to the dealer and had no response (September 2012). I also sent this to the finance company in end September/October as I was not getting anywhere with the dealer or with the finance company by telephone. I sent various e-mails and attempted to chase the matter by telephone, without success, it was only in late December 2012 when the ABS and transmission warning light came on on my dashboard (rendering the car undriveable) that I relentlessly pursued the finance company and dealer marking all emails as urgent and contacting them both by telephone. When I spoke to the finance company the first person I spoke to said that as I have had the car less than six months they cover any faults occurring in this time frame, however the manager in charge of these issues was not in until the following day so I would have to wait for a response from them to advise me what to do. When I spoke to the person in charge of this area, they told me it was down to the dealer to fix the problem as it is less than six months old. Then I spoke to the dealer who then told me that the warranty they give on their vehicles is only three months and they are not legally obliged to do any repairs after this time. The finance company refused to hear anything further on the issue and said they would cease all correspondence with me unless it was through a solicitor after I stated I had obtained legal advice on the matter (but did not instruct anybody). The solicitor I spoke to advised me that my rights are against the finance company and that I should be able to be able to claim back a pro rata refund for the monthly payments made and also the costs of fixing the car which I did have to arrange and pay for myself. The mechanic who temporarily fixed the car said the fault was electrical - the brake cylinders are faulty and need replacing and also the automatic sensors to the wheels are not functioning properly (something which would have been present at the time the car was sold). He advised me until the same was done then the problem would reoccur and that this was most likely what they had done beforehand with a view to selling the car to make it look roadworthy. Following this I also sought advice from Citizen's Advice who advised me that I should make a formal complaint and allow the finance company 14 days to rectify the problem and it was my choice whether to carry on paying the instalments or not. The problem reoccurred end May 2013 and I paid the next 2 months instalments, but the most recent payment has not been made following the advice of Citizen's Advice Bureau and now I received a letter yesterday dated 12th August 2013 that repossession proceedings would be instigated in 14 days if I do not bring the account up to date (there was no mention of the ongoing dispute with them for which I only just received a response too; whereby they indicated that they would take the car back and accept to end the agreement without further cost providing there are no further faults to the car other than those I have stated to them). It should also be mentioned that the monthly agreement with them generates a code which I have to enter into the vehicle so that I can use the car, this is done once payment is received. However, I have to ask them monthly for a new code after payment has been made, otherwise they do not generate it; contrary to their agreement and their telephone customer helpline which indicates that a code is automatically generated after each payment is made (within 24 hours.) Last month when payment was made they did not generate the code, despite several e-mails and letters being sent asking them for this. (One request was stated on one of the letters regarding the dispute which I did receive a response to in writing but he did not acknowledge my request nor act upon it, however he did receive it as his reply would indicate). It was only on my second letter to him in this regard that he said it was sent and claimed to send me proof that this was sent to me, although the proof he sent me did not indicate this firstly; secondly I now have a second agreement with them for a different vehicle for which the code is sent to the same mobile number and following a telephone call with the company last week they confirmed the code which was sent was for the new agreement, so this proves nothing. As I consider this breach of their their part of the contract this is when I decided with the advice of Citizen's Advice to not make any further payments (and given the car had been undriveable for the last two months too as I was not willing to pay to fix the car again/permanently. What should I do? Do I have any rights to claim against them through a small claims court even though they will start repossession proceedings on 26th August? Can I still escalate the claim to FOS? The finance company's main point for their reason for disputing my letters is that the car was fit for purpose and of satisfactory condition at the time of the sale and any reports to the contrary were not made to them until October 2012. (They are ignoring any knowledge of any reports beforehand) even so - this is only three months after purchase. As far as I was aware it is not reasonable to expect all faults to be apparent at the time of purchase and there should be reasonable time allowed for the purchaser to assess this. Any assistance ASAP is extremely appreciated!

Afternoon CAGS, Following your excellent advice with HFO which resulted in no action, I have a final one. Took out a Halifax loan many moons ago for around 10k, paid it until it got down to 5k and then due to the usual changes in circumstances have been paying Westcotts up until recently 15 quid a month and same on a small overdraft of £600. Now my credit report has just notified me that this has defaulted today. So expect one of the Debt agencies will be in touch and was wondering what advise or steps I can take. As its defaulted now, can I offer a settlement of a fraction of the debts? Any help will be appreciated

Hi there. In July 2011 we purchased a new car and have been making the monthly repayments on the car finance each month to date. Three weeks ago the engine died and the car is now sat in the dealerships garage awaiting a new one (with no timescale given as yet for the repair). We've found out that the engine issue is a common fault on this particular type of car and so, when it is fixed, we intend to Voluntary Terminate our agreement using the halves and thirds rule as we will have paid off half when our August payment is made. But we're unsure about the mileage excess. The agreement we took out was for 12,000 miles per annum - so a total of 36,000 across the 3 year term. When we terminate; -will they pro rata the mileage down to 2 and a 1/2 years worth of entitlement and charge us for the excess over that? OR -will they charge us for the excess over 36,000 as that was the agreed total mileage over the 3 years even though we haven't kept it for the full term? Any help would be really appreciated. Many thanks Lola

Hello. Hoping i can get some advice regarding a faulty refurbished 32" lcd tv i bought from argos seconds on ebay. I'll try to keep it short. I bought a tv and it arrived damaged. Argos arranged collection and gave me a replacement but that too is also faulty. I opened a dispute on ebay and argos initially cooperated in replacing it, but they started ignoring me and didn't respond to the case. 8 days later i escalate the dispute to a claim and ebay are saying i will get a refund if i send it back at my own cost. It's going to cost me at least £20 to send it back and of course there is the risk of it getting smashed just like the first one they sent. Where do i stand on this? It's supposed to be guaranteed by argos for 6 months but i'm disgustd that argos are ignoring me and the fact that i have to return it at my own cost and own risk. Please help. Thanks

I recently purchased a dehumidifier from an ebay seller. Item was listed to be brand new and seemed to be a bargain. I sent a message to the seller just to confirm that the item was brand new i.e box unopened, I also asked does the humidifier come with the manufacturers warranty. I was informed that yes the item is brand new and comes with the manufacturers 12 month warranty. What I didn't realise was the the seller is private, checking the product registration it is requesting what company was the dehumidifier purchased from and the date? Because this was a private ebay sale. I dont believe that I will be able to register the product for any warranty problems. Any advice please?

Hi, I just need some general advice regarding a recent purchase. Last Saturday I purchased an item worth £4,000 only to find out that it had been reduced to £2,500 on the Monday. Do I have any rights regarding this or do I just have to accept this annoying as it may be. Is there anyway that I could return the item saying I've changed my mind as it was not an online sale I don't know if there is any cooling off period - I suspect not as the item is not faulty. I just need to put my mind at rest that there is nothing I can do about it!

When we moved into our new home earlier this year we decided to use BT as our internet service provider, picking the Unlimited Broadband package at just £16 per month. After many cancelled appointments (by BT) an engineer finally came around to get us online on 9th May. He fitted a new telephone line due to the previous one being “too old for internet” and we ran an extension phone line from the main socket downstairs to my office upstairs so the hub could be connected to the PC via an Ethernet lead. For two weeks everything was fantastic, download speeds were terrific and we were really happy with the service. Then one day I came home to find no signal from the phone and extremely slow internet speeds. Called BT (via mobile) who said the line was working fine, called them again two minutes later and they said the problem was outside our house and that an engineer would be around today (31st) at no charge. Still no dial tone and slow broadband as of this afternoon I called BT who said the engineer found no fault and that I would need to pay £99 for them to come out again. He must have been invisible as we live right next to the junction box and no one went near it today. explained that I felt a bit cheated as we’ve had their service for less than a month, have not touched anything save to try a phone in the main socket (still no dial tone so not the extension at fault) and now we have to pay more just to get a normal service! The man advised us that we had exceeded our (truly) unlimited download limits at 150GB and this was causing the phone to go dead and the broadband to drop. He said to fix it we would have to upgrade to the BT Infinity package at £23 a month (plus £40 installation fee) but it sounds too fishy to me. So then: 1) Since we don’t use the phone save once in a blue moon, why would the tone go dead because of our broadband use? 2) Is the Infinity option the only solution to this problem? 3) Are we still liable for cancellation fees (the man said we are) if we quit with BT now? 4) Also does anyone know if the £99 call out charge will cover any repairs they need to make if the fault is somehow ours? Sorry for a lengthy mail and lots of questions but I’m getting nowhere with BT customer support.

Hi I have heard about this but don't think it will help but thought its worth asking. I today had my iPhone 5 stolen and I've reported it to the police and had my network cancel/block the phone. I purchased this from my network in Oct 2012 and although it didn't cost the full amount it costs to buy it off them. My credit card is with Tesco and is a Mastercard. Just wondering if anyone knew whether I could claim it back. Just a thought not holding out much home and I didn't have phone insurance.

Hi Peeps A very good friend of mine bought a vehicle (private sale) sold as seen on the 7th february2013. Great buy, no problems very happy with purchase until yesterday. It would seem the previous owner took out a logbook loan in December last for £850.00 . This was not disclosed at the time of sale. The logbook loan company have now traced the vehicle to its new owner and are now demanding she pays the sum of £650 within 21days or they will repossess . Can anyone help in what to do next ? Low and behold the seller is not answering phone or door.

We have had a nightmare with a car we bought from a VW Dealer in September 2011. The car was used and approved. As soon as we bought it and drove it off the forecourt the engine was mis-firing, we took it back to the dealers service garage as advised by the dealer to get fixed. We should have really handed the car back and kept our perfectly good car that we exchanged for it and cancelled the whole deal but my husband really wanted this car. The car ended up needing the engine replaced! We were furious as it was only a year and half old with hardly any mileage and USED AND APPROVED by the dealer! We tried cancelling the transaction but found that our old car had been sold already! So we fought with the dealer for compensation. They gave us a new head unit as compensation as that was all they could offer! After less than 10 months or new engine the car has had more issues and now that it is out of 3 year warranty period we were told that the engine (which was replaced less than a year ago) is not under warranty either! While my husband was away for business he had to get a hire car and pay for the car to be fixed as VW would not take responsibility at all! We spoke to trading standard and they advised that the finance company is liable and we should complain to them. When we spoke to the finance company they advised we can give the car back if we pay to reach the half way point which we don't want to do. We have issued an complaint with them and asked for a full refund instead. But we have had to buy another car as this car is not reliable. We are currently trying to get the car out of our possession as we cannot afford 2 cars and the insurance while the complaint is being dealt with and have even agreed to pay to reach the half way point to have the car taken away and wait for our complaint to be resolved. The HP company are saying that the car needs to be insured in order for them to take it back? Which doesn't make sense to me, should they have their own insurance? Can anyone advise if it is a good idea to VT the agreement and wait for the finance company to issue refund/compensation? The only issue I have with the car sitting in my drive is that it is not insured!

Hi there, Hoping someone can give me consumer right legalities with regard a purchase problem that we are encountering at present ? A year ago my husband bought me a gift and paid online to a premier division football club the sum of £395 for a memorial stone to be placed in a pathway near to the ground with an inscription on it of my choice. At the time of purchase he was given a logon to the site and reference number in which to go in and type in the inscription to be placed onto the stone. The club would then email me when the pathway had been completed to let you know the position of the stone so that you could view it. Soon after this we left the country for a year for work related purposes and I stupidly forgot to go back to the site to register my inscription. I have since returned home tried to enter the site, but it says my reference is invalid. I contacted the club to request a new log on and have been told too much time has elapsed since our purchase, all the stones have sold out and the project is finished and they will not refund my husband's £395 - Can they do this ? My argument is that £395 was paid for a stone, place in the pathway and inscription - If they were not able to wait for an inscription they should at least have notified me that they would lay a bare stone....but it seems that they think we will be happy to just kiss goodbye to £395 without anything to show for it.....they have obviously resold my stone to someone else without informing me first, so in effect they have received 2 x £395 for the same stone. Is there anything my husband can do to get his money back and any consumer rights legislation that he can quote them to show that he has legal recourse against them ??? Many thanks for your help,

Sorry for posting again. I am just looking over the finance agreement for my Astra that i should be picking up on Tuesday or Thursday. The car is a 1.7 CDTi Estate that is in superb condition and the price on display was £4995. I managed to get him to go from £300 p/x to £695 p/x on my vectra 1.8 2000 X Reg. This meant the car was now £4300. However on this breakdown of Finance Agreement it seems he has added it back on??? I will be honest i am pretty unsure how all this works and wordings etc as this is my first proper car i will have owned. It reads at the top: The total amount of Credit to be provided under the proposed credit agreementnt or the credit limit: £4300 It says £151.95 per month (2 months after the executuin of the dicuments and a final payment of £310.95. However below that it says: The total amount you will have to pay this means the amount you will have borrowed plus interest and other costs. Made up of: Deposit: £0.00 Part Exhange: £695 Total amount of credit: £4,300.00 Admin Fee: £199 Interest: £971.29 Optional Option to Purchase Fee: £159.00 Total to repay: £6324.20. This to me shows that the £695 has been added back onto the finance part and so i get NOTHING for my car afterall? Now the deal has said that he has to put that to the finance company as part of the deal because they need all the details and it does not mean that is added onto my overall bill. If this was the case then why does it only add upto a total of £6324.20 when the P/X IS added onto the other costs..... This whole car thing baffles me....i should of stuck to busses!! Lol Thanks.

Hi , i have a hire purchase agreement with black horse, i have paid 22 out of 48 payments and i am looking to hand the car back to start Fresh. There is a baloon payment at the end of the term to keep the car but i want a new one now, i was told i could hand this back at the halfway (24month) point but upon read my documents it says it can be handed back once i have paid £14,775 which wont be untill november. Can i still terminate at 24month point or will i be liable to make up the difference to 14,775 ? Also Any suggestions of how to get out of contract appart from trade in as i would still have nevative equity on the car. Many thanks Marc