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Found 21 results

  1. I brought a 3008 Peugeot from hippo motors in July they have me A1 approved warranty for 12 months and that warranty ain't worth the paper it's wrote on I collected the car 21st July from hippo motors from up north got back to London after a few days noticed there was a shudder to the auto gearbox took and had a few other things that needed sorting like CD player which the warranty did sort on the 10/08/2017 after an arguement with them and they tried to refuse to cover labour costs I had to involve the finance company to get them to pay for the work that was carried out but the gearbox never got sorted and the shudder has got worse in 1st and 2nd gear I therefore contacted A1 spoke to some unhelpful person called jack explained the gearbox has a shudder which I reported within a few days of having the car and it hadn't been sorted but was getting worse he told me to take it to Peugeot find out what the problem is and then call them back so I go to robin and day they test it and say it's the clutch or gearbox but won't no until they take the box out for sure so we call this A1 approved warranty back explain it all to jack who then says it will be classed as wear and tear it's a joke people are paying thousands for cars that need work done to them and given useless warrentys that are worthless I have now have to contact my finance company for a 2nd time as I don't see why I should now have to pay £1300 on top of the cost of my car that I have only had a few months I would tell anyone to stay clear of hippo motors in Blackburn and A1 approved warranty both are a con company
  2. Help, Please can anyone advise me where to turn to. I bought a 3 year old approved used Mercedes from a Mercedes dealership on Dec 22nd 2017. I was told verbally that the car was being MOTed the day prior to my picking it up and I was giving paperwork listing the MOT date as Dec 22nd 2017 - Dec 22nd 2018. I was overseas for a while in Sept / Oct and left the car in airport parking. Whilst I was away my car was damaged with some scratching to the bumper. I returned to the UK and amongst the admin I had was a reminder for taxing my car. When I tried to do this I realised my car had no MOT. After multiple enquires with the dealership I have only been able to establish that the MOT expired in April 2018 and no one is able to tell me how this happened. To make matters difficult the dealership I bought from has changed ownership and the car was actually supposed to be MOTed in a different dealership as the car was not located at my local branch when I enquired about it. I have written confirmation from the dealership I bought from that the MOT expired in April 2018 and an apology. I raised a complaint with Mercedes asking for an investigation and hoping to find out what had happened and ideally correct the issue if it was an admin issue. I have got nowhere, Mercedes customer service immediately sent me a final response saying there was no harm caused. I pointed out I could not claim for the damage in caused in airport parking as I had effectively been uninsured. I also pointed out that I was very worried about the fact i had unknowingly been driving uninsured for several months. I got another final response which was very rude and again closed the matter. I asked to speak to the person who was writing these emails and they have refused my calls. I have written again and got another response saying Mercedes maintain there position - I do not understand what this position is. I am bewildered by all of this. I have written to the ombudsman but I think this process takes a while. Can anyone help me, do I have any legal rights here. I have documents saying my car had an MOT until Dec 2018 when I purchased it but it only had an MOT until April 2018. If I had been in serious at fault accident I would have been uninsured, if this had involved a personal injury claim I could have lost my house and if I was prosecuted for driving without insurance I would have been suspended for a minimum of 6 months from my job. I have not yet managed to sort out the damage to my car as I haven't resolved this issue so my insurance is still invalid. Any advice would be greatly appreciated. Thank you in advance!!!
  3. Hi, this is one for people who really know their contract law, specifically the consumer credit act. This is the scenario: I have a builder do me an extension. Our contract states the work will cost £100k. In order to get s75 CCA protection, I get the builder to give me 4 invoices. Invoice 1- foundations, £25k (price shown on the contract) Invoice 2- Roof, £25k (price shown on the contract) Invoice 3- Walls, £25k (price shown on the contract) Invoice 4, decorations £25k (price shown on the contract). £100 was paid for each invoice using a credit card. The transaction I made on each card was for the invoices, not for the contract. Each invoice takes the pricing from the contract. Does anyone, who has a legal mind with a speciality in contract law, know if I can expect cover under s75 CCA in this situation? thanks
  4. I work as an IT Consultant, the programme I work on decided to employ Ernst Young consultants and release a lot of us early from our contract and gave 2 weeks notice. On 24th May I was told my contract was finishing early, but he said I could bill to the end of may and bill 2 weeks of June to cover the notice period. I submitted 2 time sheets one for the month of May and the other for the 2 weeks in June, these were duly approved and returned to me copying in the Finance Manager who was present during the meeting, raised invoices to cover the time-sheets and submitted to my agency. I have now been told by the agency that the company is refusing to pay my May time-sheet as I had finished on the 24th May, I spoke to the person who authorized the time-sheet who was one of the people in the meeting and he confirmed his interpretation was the same as mine. I explained to the agency that I will not amend the invoice as it is in line with the discussion I had and reflects an approved time-sheet. Yesterday I received an email from the agency with a copy of my time sheet this time altered and they said they would now only accept an invoice based on the altered time-sheet. I intend to stick to my guns but would appreciate any views from you chaps in respect of where I stand. My opinion is that if I accept a retrospective amended time sheet that I have not agreed to that replaces a previous time-sheet that was properly authorized there is nothing to stop them doing that to any time sheet have submitted. Grateful for any views.
  5. 10 Days I went for test drive of the approved car and it was great so negotiated the price and finalized everything including price and monthly payment etc and confirmed next Saturday I will collect the car. 2 days back I went to get the delivery of the car, signed the papers and did the formalities and finally when the guy was demoing the car's feature I noticed that windscreen in chipped and it is not that small but it is not massive as well... strangely if it was there at time of test drive I would have highlighted it. now, when I asked the dealer to replace the windscreen then he is asking me to get it done through insurance company but I insisted to get it confirmed with his manager but he said he 100% sure that his manager would say same thing. now I cannot keep this car with chipped glass and I cannot get it fixed since it is almost new one(Dec 2016). Please help me what I should be doing, and I am still in 30day period, Do i have option to cancel whole deal?? Thank you for reading... Help Seeker!!!
  6. Hi All, I am in a bit of a pickle at the moment, I felt I was finally able to afford my council flat that I have lived in for over 15 years, I put in my first RTB application March 2015, and a valuation was done for the property, after the valuation came out, I found that I was not able to afford it even after the London discounts so I didn’t take up the offer, fast track November 2016, the same year I made another application and this time around the price of the flat had reduced by £100k as per the new valuation done in November 2016, so I took up the offer, applied for a mortgage and got it approved etc, to my horror council wrote to me last week saying that they have now revised the offer from the council where they have changed all the figures and have now decided to use the first valuation which is 100k more than the second one. I am a little lost now and do now know what to do. I am already out of pocket after spending on solicitors and mortgage brokers. Thanks in advance.
  7. I wonder if anyone can help? I received a PCN for parking in a disable bay at a private residential underground car park. I challenged this through both the appeal routes (parking operator and The IAS) based mainly on lack of clear signage at the bay. The ground markings are small and painted in red which were not visible while reversing in to the space and not visible once parked. There was a sign on a pillar however this was high up and to the side of the space and again not visible when reversing. My argument is that signage should have been directly behind the space in keeping with signs at other disabled bays in the car park. There was a perfectly pillar immediately behind the bay that a sign could have been attached to. I believe the current signage is unsatisfactory and amounts to "predatory tactics". What are people's thoughts? I also wonder what thoughts people have on on terms and conditions signage at the car park stating that the parking operator is a member of the BPA and appeals are heard by POPLAR when it transpires that they are not as they a new members of the IPC who use the IAS to hear appeals Does this incorrect signage have any baring on the arguments I can make at Court?
  8. This is the very condensed version of the unbelievable and very poor customer service review that I have been subjected to by Synter BMW Birmingham. I started to type this up in detail but just the way that they secured the deal took me a page to write. The vehicle in question was a 2012 BMW E92 M3 in Santorini blue with competition pack FG12NUX a BMW approved used car. Thus is the attention to detail of Synter Birmingham most of the internal paperwork I have for this vehicle has slight variations on the registration. Friday 24th April - Test drove car, couldn't agree on a deal. Saturday 25th April - Dealer rung me and made an offer (which was what i had offered them the day before) and the car could be ready Tuesday. By the time I rung back to agree to deal but they had closed for the day. Left a message expecting to continue with the transaction Monday. Sunday 26th April - 8.30 am got a call from Salesman 2 as Salesman 1 was on his day off. Salesman 2 wanted me to pay a deposit over the phone for the car. I was a bit miffed that they had called at that time on a Sunday for business but assumed they wanted the car sold ASAP, so i went along. I asked for Salesman 1 to call me Monday morning to arrange collection. Monday 27th April - 8.30 am got a phone call from Salesman 1 stating that I could collect the car Tuesday, I explained that I was busy Tuesday and would like to collect car last thing Monday. Phone went quiet and Salesman 1 said I'm not sure where the V5 is....leave it with me. I had to ring back a couple of hours later and he said that they had made some phone calls and they still didn't know where the V5 was. I assumed that it was on somebody's desk within BMW. Got a call from Salesman 1 a couple of hours later to explain that they hadn't received the V5 from the previous owner and that I had to wait until they received it because they were at the mercy of the seller. I ended the call to process what I had been told. They were not at the mercy of the seller, I was the victim of their poor practices (more of those later). An hour or so later I received a call from Salesman 1 to state that they had spoken to the seller but he was abroad and his wife would post it first class in the morning to the dealer. I explained that they should stress to the wife that the V5 should be sent next day special delivery but this was dismissed by Salesman 1. Being annoyed that the Salesman or dealership were doing nothing to support me or come to a quick transaction. I gave Salesman 1 an ultimatum of I'm coming at 11 am on Wednesday to collect the car if the car is not ready or the paperwork is not in order I will expect a full refund of my deposit, Salesman 1 was shocked by this. I now expected the dealership to ensure the V5 was sent by Special delivery, have a courier collect it or have the nearest Synter collect and transfer it internally. Tuesday 28th April - No contact Wednesday 29th April - 9.30 am call from Salesman 1 we don't have the V5 yet but you can take the car and we will forward the V5 when we get it. I asked how the V5 was sent to them. His reply first class I think. I explained that I was just getting on a train and I would see him at 11 am. I arrived at the dealership at 11 am to find a smiling Salesman 1, the V5 arrived in the post at 1040 am. I went through the handover and had to ask for a lot of paperwork that I would of expected to come with an approved used BMW. Salesman 1 went away and come back with some of the paperwork which had been photocopied and some I could not have i.e. any information about the BMW warranty, not even a leaflet. I was told that it would come through the post (still waiting). I took delivery of the car and what an amazing car it is. Saturday 2nd May - I had covered 250 miles in the car and decided to give it a wash. Started to pressure wash it and a playing card size piece of lacquer fell off the top of the bumper, my heart sank. I phoned the dealership straight away but salesman 1 wasn't in and generic salesman would call me back that day. I inspected the car and was sure that the paint failure must have been due to a smart repair but couldn't see any signs of one. I continued to wash off car and another piece of lacquer about the same size as the first came off the bottom of the bumper. I was now absolutely gutted that I had been sold a non pristine car that would no longer be in original paint (if it was anyway) and stopped washing the car. No call back from dealer. Sunday 3rd May - Called dealer no salesmen available, generic salesman would call me back as Salesman 1 wasn't in. No call back. Monday 4th May - No contact. Tuesday 5th May - 9.00 am called dealership and spoke to Salesman 1 explained that the paint was falling off the car and I was sure that it had been touched up. Salesman called me back sometime later and said that they hadn't painted the car and I needed to take it to them to have a look. After my previous experience of buying the car I had no trust in them and knew they were only interested in the profit margin and would have no issues with fobbing me off. I explained that I wasn't driving there for them to have a look and send me away whilst they had a think, they needed to get some options to solving the problem in place before I took time off work and drive to them. Salesman 1 replied, I don't have the authority to do that. My reply get somebody who does, call ended. Pre-empting having to take the car to the dealer for them to inspect the paint, I decided to wash the car off again with the pressure washer, now a chunk of lacquer falls off the drivers wing mirror. I look at the wing mirror closely and could see bubbles where the lacquer hadn't stuck to the colour coat. I took the car to my trusted classic car body shop to get their opinion on the bumper. They stated that they thought it had been touched up and the only way it fix it would be to remove the bumper and start again. Salesman manager calls and asks what i would like doing with the car? My reply, I want the bumper taking off along with the wing mirror and painting to BMW repair standards. Manager replies oh ok, I will sort it out. One of my friends is friends with the owner of a body shop who works for another BMW dealer, so he arranged for me to take it to his shop. Body shop owner said, that he had seen the paint delaminate like this before on BMW's but usually red cars but not to worry as BMW will always repair paint defects under warranty but I will have to go through the dealer. Salesman 1 then phones me to say that they have got the car booked in to the body shop first thing in the morning and a courtesy car is waiting. Explained that I wanted to work completing as a BMW warranty claim to which he replied, we are doing it in house but it will be all BMW paint and to BMW standards along with the paperwork, it's just that we are paying for it instead of BMW. It will take a couple of days. I reluctantly agreed to this and ended the call. Wednesday 6th May - I Drop the car off at the dealer first thing to be told that my car would be ready later that day. I questioned that all of the work we agreed, would be completed in one day? reply, yes the body shop are waiting for it now. I Thought this strange but possible if the body shop pushed on with it. I asked him as a goodwill gesture if he could have the wing mirrors programmed to fold when the car was locked. Went home in the courtesy car and at 3 pm got a call from Salesman 1 stating the car was ready for collection. I told him I was on my way. Forgetting to ask about the wing mirrors I phoned him back on my way. His reply was, I've spoken to the chief tech and it can't be done that's why you have a switch in the door. I explained that you can buy a phone app to program it, so I know BMW can do it. His reply, no we are not doing it. Leaving that subject I asked if all of the paperwork was completed for the paintwork, his reply was there is no paperwork as we have done this out of goodwill. Now my blood was starting to boil as they had gone back on what they had promised. I asked how the car was looking and his reply, it's all good and looking beautiful. I ended the call. I arrived at the dealership and saw the car on the forecourt I walked over and saw a couple of squashed flies on the edges of the bumper so knew that it hadn't been fully painted or even off. I looked closer at the areas where the lacquer fell off and that was now covered in orange peel, I worked out slightly and found the masking lines. It was an utterly terrible touch up job that looked like it had been done outside (dust in the lacquer). I went into the dealership and asked for Sales manager, told him that I wasn't happy with the work and he had a look. He agreed that it was diabolical but stated that he had paid for it to be done properly and needed to talk to the body shop. Sales manager came back and I asked who had accepted the car back in that sate? His reply, nobody. I asked, who checked the car before calling me? Reply, nobody. I told him that the whole service and experience was diabolical and I wanted to reject the car. He then offered to send the car to another body shop and have the work fully completed to BMW standards and supply me with the correct paperwork. My reply, you promised me the exact same thing yesterday and look where we are today..... you expect me to trust you again for the same thing? This went around 4 times before I insisted on a refund. He then stated that he would have to get the General manager. General manager came out and stated that nobody had checked the car before phoning me and that the work should of been completed under BMW warranty but couldn't now as they had painted it. She offered, the car repaired and £250 back. I asked for a refund and she offered, the car repaired and £350 back. I refused again and she offered, the car repaired and a free service. I told her that I wasn't interested in another deal, I came to BMW for the whole experience and worry free motoring which has totally been ruined. She offered a few more inconsequential things but I had decided that it was time to cut my losses of what had become a stressful and utterly negative owners experience with a dealer I couldn't trust. I informed her that they could learn a lot from Renault Birmingham about customer service. The deal they offered for the refund was the full amount minus £500 when I gave them proof that I had retained my private registration online and the £500 once they had the V5 back in the original registration. I stated that I didn't think I would be able to retain the private registration online and would have to send all of the paperwork to DVLA. This was dismissed and I left the dealership. 48 hours after leaving the dealership I still have received no refund. Thursday 7th May - I called the dealership 4 times to try and confirm that the refund had been processed as I received no contact from them. The Sales manager was too busy to receive or return my calls. As last resort I asked for General manager to call me Friday morning. I contacted BMW UK customer service and explained that I thought they should know that I had rejected the car purely on customer service, the operator sounded shocked and said thanks for the call. I asked if somebody would call me back? To which the operator replied, No we will deal with this internally and quickly ended that call. I thought this very strange as they didn't know any of the details of the service or lack of I had been provided. Friday 8th May - The call from the general Manager never happened. At lunchtime I managed to speak Sales manager who states that the refund is being processed by the accounts department. At 4.00 pm I received an email from Sales manager asking me to confirm my account details. I gave these details to the Sales manager on the 6th so he could process my refund and the details are correct as I had a carbonated copy of what he recorded. At 4.45 pm I replied to his email with the account details again and could he please ensure that the refund was processed before close of play Friday. It's now 6.00 pm and I have had no further contact from them. My guess is that they have not processed the refund and have now gone home for the weekend. I cannot understand why Sytner did not deal with the paint failure as a BMW warranty claim as I am lead to believe that the dealership also earn money out of warranty claims, unless they knew that the paint had been touched up and wouldn't be covered by BMW. After all of the promises on the phone that the paint would be repaired to BMW standards along with the appropriate paperwork. I truly believe that they only ever intended to have a quick touch up job completed on the car. Even after 30 mins of the Sales manager telling me that they had requested a full BMW standard repair and me telling him that I didn't trust him. Not once did he show me or even hint at any documentation about the work they had requested the body shop to complete. Salesman 1 can be proven to of actually lied to me on 3 occasions just to make his job easier.
  9. Hi, I am new to posting but not new to the site. I cam on really for a little bit of advice. I am trying to improve my credit rating. A few years ago it was terrible so I've been paying things off and not applied for anything other than this card. I was declined....however, I then received a form through the post to fill in, one of their "invitations" so I filled it in and a week later I got a call asking for my bank details as part of verification. I then got another call saying that they have trouble verifying people who use my bank and so asked for my driving licence number. I gave this and was then asked to set up a direct debit. After setting that up, I was told I was approved and offered £100 cash advance. I said yes ok I will have that and it was due to go into my account by tomorrow. However, I got a text today saying the £100 has been cancelled and to call them! I called and the lady said they need to see proof of my bank details and that nothing will be sent out to me until they can verify these. They need to see my name, address, account number and sort code. So I have just got the front page of my bank statement showing all of this information and put it into an envelope to send off. Is this usual practice as it seems very strange to me? Will this one piece of paper be enough? They said they only want to verify the details so that surely is plenty. Or is this just messing me around and then I will get declined? I've not heard anyone else say that this has happened to them before. Please respond if you can thanks.
  10. Hi all My father passed away last month however a few months prior to that he had started talks with one of the "we will help you get PPI back" companies. I know what these guys are like and they have contacted my mother who is not up to speed on their tactics etc and she has agreed to continue the claim. However my query is, there is no official executor as he had no will, so how can they get the info they need from the institutions? Next of kin wont be able to access it will they? Also, am I right in assuming that any money they get from any claim should they be able to get the info will be received by the estate and then dispersed out? At the time of passing he had a Barclaycard, RBS Card (both around £1k balances and was always at that level) and an Argos card. He had had a loan in the past that was paid off. He also had something from Creation which was related to a purchase from PC World/Currys etc. TBH I dont really want to put my mother through all the hassle which these guys are likely to do, because its not just a case of my mother signing an authority form. She has to do everything I would imagine. And all that to be hit with a massive charge at the end of it. Am I right in my assumptions? Or close?
  11. Hi Son is 16, on approved training course. Returned completed form to Child Benefit before the cut off date in August, child benefit stopped. Wrote to Child Tax credits to inform them of approved training course. Tax credits also stopped. Would you advise what to do next? Thanks
  12. I wonder if anyone can offer any advice. I have a weeks holiday booked in november which was authorised by my manager in april, my manager is now saying i may not be able to have this holiday as it's during a busy period (surely then he shouldn't have authorised it in the first place) i know that employers can cancel holidays in some instances and i haven't booked to go away as such but have arranged to visit family on the other side of the country but my issue is that at this stage there is no availability left for the rest of the holiday year for me to change to another week and my employer does not allow holiday to be carried over to the next year. Can they really do this? As this would result in me losing a weeks holiday? If they had brought this issue up sooner i may have been able to book an alternative week but there is now no availability.as they approved holiday that they shouldn't have and this was approved 6 months ago and cancelling it would result in me losing holiday that I'm entitled to through no fault of my own surely they can't do this? I will be speaking to a senior manager regarding this when im at work next and will also give acas a call but wondered if anyone has any advice or experience in this subject Thanks in advance
  13. Hi all I have been banking with HSBC for some years now. Last week I applied for a loan via on line banking. I was told my loan had been approved, but could not complete on line. They asked me to call to arrange a time for me to see the bank to sign for the loan. I called the number and was told I needed to take some ID with so I can sign the agreement. I did print out the screen telling me the loan had been approved. As it was Sunday and the banks closed, I went to pay £200 deposit for a car. When I went to the bank on the monday, they told me I had in fact been declined. Because of this I have lost my £200 deposit. Can this be done? Many Thanks
  14. Hello everyone, Seems like this is a good place to come for some initial advice. I went to look at a car on Sunday (2nd Feb 2014) and dealer told me he didn't see any problems with finance and i should be in the car by Tuesday (4th Feb) once he had approval. On Monday 3rd I heard back that one finance company had wanted further information but another had approved it. So Tuesday came and i picked up the car, leaving my old one as a deposit. Yesterday 6th Feb I got a call saying the mileage on the finance docs was wrong and I needed to go in and re sign. Having read about numerous scams I asked the dealer whether this would change any repayments or anything and he assured me it wouldn't. However I have phoned the finance company who said they don't have any record of me on their system, although it was their customer service department so they may not have details because finance hasn't yet been set up?? I did check my credit file and can see they have accessed it so there must be a record somewhere. I can spot the simple mistake and it is an easy remedy but I am concerned I'm going to go in and be landed with increased payments and few options. Am i worrying over nothing or is it something I should actually be worried about? Thanks
  15. I was in an accident may 2012, vehicle was repaired at an approved repairer and went back about 4 times due to rubbish repair jobs (body work out of line, missing parts, fault parts etc.) all was rectified after several months. Now just over a year later I've come to changing the bulbs in my headlights (both of which are brand new headlights) to find that both of the clips on the wiring looms that go into the headlight are broken, one completely shattered and have just been bodged back on to the back of the headlights, also one of the "mushroom" reflectors have been cello-taped into the light fixtures and these are supposed to be brand new. This damage did not exist prior to the accident (had the car 6 month prior to crashing and had already changed the bulbs once so know this didnt exist) so was either done during the accident (highly doubtful due to screwdriver scrapes on the broken plastic) or done by the garage when doing repairs. So been back in touch with the insurance as have a 5 year guarantee with the repairs, they arranged an "independent" assessor to come out, he's been out today to look - and i do mean just look! he didnt even see the clips only pictures I had taken because he didn't want to take the light out, anyway he had also called the man from the garage who did the repairs to come look at the damage also and so he came out - the reason I quote "independent" is that these 2 were like best mates and had clearly known each other years and were sat in the car talking for 15mins after the assessment. Now the garage have accepted that there is no excuse for the cello tape in the headlight and are willing to rectify this, but refused to admit it would have been them who caused damage to the clips and said "one of my guys would have told me if they did this and we would have sorted it back then" clearly knowing its a costly job to fix as it would need new wiring looms, but as he said he has no evidence that they didn't cause the damage as it wasn't mentioned when they did the repairs or questioned with me and they don't have any pictures showing they were in tact. Now I know what the call from the insurance is going to be like next week, them saying the garage are saying it wasn't them who caused it, but I want to know what grounds I have to take this forward as they are the ONLY people who have done anything with my lights between my bulb changes and was clearly damage caused by them or they would have mentioned it as part of the claim. I can see the timescale between them repairing the car and me noticing it being an issue, but this is not something you would ever notice without stripping out the lights so have only just noticed this. Any advice on action I can take against the insurance/garage if they do refuse to take liability for the damage caused? Thanks Adam
  16. Just had this from MMF with the same subject as the title of this thread. Mr Goatan,your file has been approved for legal proceedings at your last known address. MMF rely on this SMS re legal costs. 01138876876 Ref: blah blah Fully intend to ignore but i though others should be aware also this game to my e-mail adress not sms and was placed imediatly into the junk folder. BTW would this count as threataning legal action if they never follow through?
  17. Hello, I bought an approved used vehicle 11 months ago and while I was driving the water pump failed which in turn caused the cambelt to snap and more or less destroyed the engine. Before getting the keys of the car the dealer did a 100 points check and MOTed the vehicle with no problems found. The car was 5 years old when I got it so it's almost 6 now. Moreover it had only 18K miles when I got it and now has 26K. To whoever I've talked to said that this should not have happened according to the age and mileage of the car. I took it to an official garage to check it and they are telling me that it would cost £3600 to fix the engine or £4000 to replace it. The car was bought for £5000. Do I have a chance to apply the Sale of Goods act of 1979 and ask for a repair of the vehicle? Thanks
  18. Hi there, I'm currently in the process of a home insurance claim and would be very grateful for advice on certain aspects. The claim was initiated following an escape of water and the result is that the ground floor at my property requires replacement and a room needs partial redecoration. A Loss Adjuster visited my property following the claim and, along with estimates for the main works, requested that I also provide estimates for removal and storage of my contents to the whole of the ground floor of the property in order to facilitate the works. I should highlight here that the need for removal and storage estimates only became apparent/accepted AFTER I raised the fundamental need to clear the area to allow for flooring works. Having submitted estimates for all aspects of the work the Loss Adjuster has responded with approvals (on which subject I have other queries which I'll pose in a separate thread), however they have also advised that they will be appointing their OWN contractor to manipulate my contents. So to the questions... Q1) Am I obligated to use the insurers contractor for removal and storage of my contents, or can I insist on using my own local contractor? Q2) If I use my own contractor can the insurers impose (financial) conditions on this? Q3) Given that the removal and storage of my contents includes a freestanding fridge freezer, am I entitled to claim for any food items contained? Q4) The timescales for the work are presently undefined. My existing flooring needs to be removed and the exposed area completely dried out before any new flooring is laid. Depending on the situation when the flooring comes up, this could potentially take 1-2 weeks. Are the insurers obliged to provide Alternative Accommodation during the period of works? Any advice on this greatly appreciated. Thanks,
  19. I bought a 2004 BMW 330CD in April 2011 from a dealer, and paid extra for a 2 year warranty from A1 Approved, I also paid an additional premium for "Turbo cover". In August 2011 I had a minor problem with a brake caliper and the warranty was honoured. In July this year the turbo on the car catastrophically failed (with loud noises and lots of smoke). I stopped the car immediately, and had it recovered to a local garage. When the assessor came out to see it, he spent a couple of minutes testing to see if the shaft was broken (it wasn't), and left the garage with the impression that all was fine and the claim would be approved. I didn't hear anything for a couple of days, and when I chased the claim up I was told that it was wear and tear and therefore not covered, leaving me with a large repair bill. The exclusion on the policy states "normal and progressive wear and tear", there was nothing normal or progressive about the failure. It was instantaneous and catastrophic. Having spoken to several mechanics on this issue, the consensus is that the turbo is not a serviceable item, and would not "normally" fail, also that as the shaft is not broken, the probable cause is bearing collapse. I have contacted A1 Approved with this information, but they still don't want to know, and continue to dispute my claim. Does anyone have any previous experience of this company, and any suggestions to where I can take this next?
  20. Hi, I am looking for some advice and help. In 2007 I purchased a Car from Approved Car Finance in Maidstone. I brought a Ford Focus, which was supposed to be about £6,900 but with interest and finance etc, worked out to £301 a month over 62 months! I know I was silly to go to 1 of these places, but with a bad credit history and a young child, wanted a safe, modern, reliable car, so never really had much of a choice. The total amout to pay back is well over £18,000 for a car that was worth £6,900. I split with my partner early last year and have found the payments hard to make, obviously there were 2 incomes, Tax credits ect when I took out the finance for this, and since then I now just have my income, and increased outgoings as I now pay for my daughter + other expenses. I have phoned Approved (The Funding Corp.) which supplied the finance to ask about reduced payments, but am told that the payments are set and they don't allow reduced payments, if i am late with a payment etc, i get phone calls etc, threating to reposses the car, within 14 -17 days, as the loan was secured on the car. Basically I have paid off over £14,000 on this car and have on the last statement £4,700 to pay off. I don't want to loose the car as i might as well of chucked this money down the drain and need the car to get to see my daughter and for work etc. What i would like to know is would they have to go to court to get a repossesion order and would a judge grant it, bearing in mind the amount paid off and owed? I have told them on many occasions, that it's not that i don't want to pay, it's a case of needing more time. Also when i took out the car, I was lied to by the salesman and this has been proved in a compliant i made to The Funding Corp that they upheld, I was also sold an insurance for the car against M.O.T failure, Tyres etc, and was told it was for all the time i was paying for the car. When i came to use it because of a puncture in the side wall of a tyre, I found it only lasted for 3yrs and expired last year and that to qualify the car had to be serviced every 6000 miles at a main dealer, to have the service book stamped. Had this been explained at the time, i would never of took this policy as I have a couple of friends that were mechanics that take care of my servicing etc, but don't actaully work in a garage so i never would of got the book stamped which would of made the policy worthless! Is there any company that would fight to get my money back on this policy? The insurances which i was told was mot and gaps, although on contract it doesn't state them seperate, just states insurance is £3,309. Also the contract doesn't show that i paid £20 deposit although i have paperwork from the actual branch at Maidstone showing i did. Also my contract was not signed on behalf of T.F.C until 23/5/07 when i actually signed and brought it on the 17/5/07 if anyone could help and point me in the right direction i would be grateful. Sorry for the long questions!
  21. Hi guys, I had a minor (sub 10mph) altercation with a car park barrier and have decided the best bet is to get my insurance company to fix it for me rather than source a bumper etc etc. The car was running fine apart from a light tapping coming from the engine so because of this a arranged for the repairer to Flatbed my car to them for repair. I arranged for them to come pick my car up at their leisure and take it to their approved repairer of my Mitsubishi Evo , Arnold Clark Vauxhall in Paisley . Fair enough I thought since its only some light bodywork that's easy to sort out, I wanted the paint to match perfectly to bring the car back to its usual lovely condition, this was the reason I never done the job myself. The approved repairer turned up with flatbed and another bloke and he then proceeded to drive my car away to the garage rather than flatbed it the 30 odd miles to the worksite going directly against my wishes and what was arranged via my insurer. Anyway I get a call from the garage saying my engine is 'knocking like a ****' and has serious issues. I have informed my insurance company what the garage has said to me and they will be in touch with them apparently. Where does the liability in this case lie? My insurer or the approved repairer? Thanks in advance guys. Matthew
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