Jump to content

  • Tweets

  • Posts

    • You should start putting everything in writing. Even the ombudsman, to begin a serious complaint by telephone is quite frankly crazy. I hope you have taken a copy of at least the advertisement that you have posted above.  I don't suppose that you kept a copy of the original AutoTrader advertisement.  How much in writing have you got of anything? I would suggest also that you telephone the ombudsman tomorrow and ask them for details of the complaint that they have received from you and tell them that you want it in writing.  You will be amazed how scant The records of which are kept by these people. Read our customer services guide and at least actually give you some idea of how you should deal with customer service people or any call handlers on the telephone.  It is very important that you get a written summary of the report which you made to the ombudsman so that you can see exactly what they are investigating. The complaint to the ombudsman should have been very carefully considered over a period of time rather than simply made in a phone call
    • Funnily enough the ad is still available online Range Rover 4.4 SDV8 Autobiography LWB Previously Sold | Clinkard Performance Cars WWW.CLINKARDCARS.CO.UK Performance, Prestigious and Specialist cars Dealers in Romsey, Hampshire but the autotrader version isn't which was probably slightly different potentially with more information. Reported to FOS over the phone but essentially gave them the same information I've stated here, updating them that I'm paying for a car I haven't had for nearly a month now etc I'll certainly come back with an update. Fingers crossed they will realise it's not worth taking to court. So the inspection among other things found a hairline crack across a load bearing section of the chasis which at the minute to the naked eye looks tiny but could turn out to be catastrophic and has had some filler chucked on top of it but we'll see what Clinkards inspection comes back with. Distance wise I believe they're around 165-170 miles away from me. Also I'm sure many people will have PCP agreements as it's the most common way to buy cars under 5 years old but they just forgotten the terminology or name for it. Pay deposit, choose a length then pay the difference between value today and guaranteed future value at the end of that agreed term   Whole experience has scarred me and moving forward I'd be tempted to pay for a pre purchase inspection myself because these guys are bigggg traders with a lot of top end cars. I just hope they don't make any more silly offers
    • Strange final response. They say that they are still investigating but they are giving you their final response anyway. Seems like a load of nonsense. Have you got a copy of what you then sent to the ombudsman? Anyway, for the moment although would like to know – it really is all for curiosity because as you have put it into the hands of the ombudsman it's probably not worth doing anything more until you have a reply. I would suggest that when you decide to spend this kind of money in future on a used car, that you understand exactly what your rights are before you make the purchase. When you buy anything – and maybe especially used car you should realise that you aren't only paying for the car, you are also paying for a bundle of consumer obligations which are intended to bind the dealer. You are paying for a vehicle which is of satisfactory quality and remains that way for a reasonable period of time and you are paying for any defects which emerge to be addressed and repaired at the expense of the dealer. We've already pointed out that by purchasing the warranty, they have effectively persuaded you to pay for something for which you have already paid. Very decent of you not to want to cause trouble in respect of defects which manifested themselves within the first few weeks. I have no idea why. For £78,000…. This you say that they were age-related problems – that is still no reason why those defects should have been there or why the dealer should not have been responsible for them. It seems to me that you have a clear case against the dealer/the finance company. We don't have many or any PCP purchases on this forum. However, it seems to me that the finance company is probably responsible for the condition of the vehicle because effectively you have bought it from them and to that extent it should be the same as HP. With a hire purchase agreement, it is as if you bought the vehicle directly from the finance company not from the dealer and it is the finance company which bears all the consumer obligations. I think the only thing you can do is to monitor the situation. Update us when you hear from the financial ombudsman and if you need to take the matter to court then we will help you. In principle it should be straightforward – but certainly there is a risk of a serious bill for costs if you lose. I don't see you losing. Did you say somewhere that the report suggested that the vehicle was unroadworthy? Have you got the advertisement for the vehicle? Does it make claims for the vehicle which are clearly untrue? And by the way, four hours away from you is what kind of distance? Have you read our used car guide? Have you looked at the video?
    • there's one in this thread.. i wonder if its the same, they seem to be identical regardless each time we have a thread with one Vehicle Control Services Privacy Notice, Brooke Retail Car Park, HA4 0LN - Private Land Parking Enforcement - Consumer Action Group  
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.


      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Egg Account

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5962 days.

If you need to add something to this thread then


Please click the "Report " link


at the bottom of one of the posts.


If you want to post a new story then


Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 



Recommended Posts

Cash advance fee (1.5%, £2 minimum?) has always been lawful and unreclaimable.


Overlimit penalty and Late Payment penalty are reclaimable as unlawful for being excessive, plus the debit interest (if any) which Egg levied on these penalties, as demonstrably itemised on your monthly statements.



Link to post
Share on other sites

The interest rate on this is abit wierd when i took out the account i could have sworn it was 0% for six months or something like that but as i go through the statements it shows that at the start it was at 0.944% in may 01 then goes up to 1.019% in sept 01.



Link to post
Share on other sites

While going through statements i have come across


10 Aug Misc

outstanding balance £582.91 min pay due £11.66

Monthly interest rate 0% *Finance Charge* £1.22




Is this right or not or am i just silly

Link to post
Share on other sites

Most credit cards which offer 0% interest for X months for balance transfer, usually have a clause in fine print, that if you exceeded limit or miss a payment, then the 0% concession becomes null and void. You could ring Egg or research their jungle of a website to confirm if "finance charge" is their way of manually overriding the 0% concession, for the aforesaid reason. Doubtful if you would get the result you want. Monthly interest can go up and down as Egg feels like, but they are obliged to give advance notice, in their case web info for this paperless, letter-less card company.


When you request refund, try to say you plan to go to the FOS, who will charge Egg £360 win lose or draw. That often persuades Egg that settlement is the better part of valour.


Good luck.



Link to post
Share on other sites

Here we go again sorry to go on like this but upon going through my statements still!!! i have come across this


Statement 07 jan 05 - 31 jan 05


balance bf - 2291.73

31 jan - Payment received £5

31 jan - Charge off account - 2061.53

31 jan - refund of interest - 225.20


Very, very very :confused:


Closing balance 0.00

Link to post
Share on other sites

That statement was nearly 3 years old. If even you cannot remember what happened, and you suggest I am a mind reader I shall take it as a compliment. :D


Was your card closed 3 years ago with balance transferred to an Egg Loan Account? Was your £225.20 interest cancelled or written off by arrangement? If you have a statement for the opening balance of your Egg Loan account, then that will prove the continuity with the closing balance(?) of your old Egg card.


I am not Sherlock Holmes, I am merely Dr Watson. ;)



Link to post
Share on other sites

Hi mistermind


i went with B & E in 2004 and something happened in that time i am not sure what but here are the statements before middle and after.


07 december 04 - 07 january 05

balance brought forward £2,296.73

31 dec payment received - £5

closing balance - £2,291.73


07 january 05 - 31 january 05

Balance brought forward £2,291.73

31 jan payment received £5

31 jan charge off account - £2,061.53

31 jan refund of interest - £225.20

closing balance - £0.00


07 february 05 - 07 march 05

balance brought forward - £2,286.73

28 feb payment received - £5

closing balance - £2,281.73


I never closed the account nor got any correspondence from egg that they had done this, should i just ring them?????

Link to post
Share on other sites

It looked as if in January 2005 your interest was taken off, then your card balance was taken off.


Then the same interest and balance was put back on, resulting in no change. Because Egg sends out no statements and letters, if you do not regularly logon and read your own statements online it is quite easy to miss what they were doing and why.


You might remember something from 3 years ago, was there a change from one Egg account to another? You might like to check with Egg, they may have a trail explaining these movements. But as you neither gained nor lost anything, is there anything to gain by finding out -- by hanging onto the phone talking to one Eggployee after another?


So long as you can get hold of an itemised list of unlawful charges, that is all you need. And the list of debit interest accrued on said unlawful charges.



Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?

  • Create New...