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    • You say that you had some communication with Blue Motor Finance. Did you do this on the telephone or in writing? You should read our customer services guide. It's extremely important. You should try to do everything in writing but if you have to do things on the telephone then you should make sure that you make detailed notes of your call and then confirm them in writing. So for instance if your discussion with Blue Motor Finance was on the phone, you should make a note of everything that was said – including the fact that they said that the matter would have to be investigated because the dealer was prepared to carry out repair – and you should send this to be motor Finance with a note confirming that this was the conversation they had with you. It is very important to develop a paper trail. Otherwise everything becomes deniable. The situation is that if a defect occurs within the first 30 days of ownership of the vehicle then you are entitled to reject the vehicle under the Consumer Rights Act. You have to assert this right by contacting the dealer – and in this case Blue Motor Finance – in writing and point out that you are asserting a right under the Consumer Rights Act 2015 and you are rejecting the vehicle. Tell them that you want arrangements to be made to give you a refund of all costs including any costs or interest which has been levied by the finance company. Be tough with the finance company. Don't act as if they are do you a favour. Make sure they understand that you are not in the mood to muck around and you won't wait very long either. Don't forget that in this case because you have purchased the vehicle through hire purchase, it is Blue Motor Finance which is the responsible party. That is going to be helpful because if you had had to deal only with Chobham, you would have had very serious difficulties. In addition to writing to Blue Motor Finance to assert your rights, I suggest that you send them a copy of the article from the daily mail which has been linked above and you can draw their attention in your letter to the fact that this is the company that they are dealing with. You can send these messages to Blue Motor Finance by email. You should do this urgently. This weekend. You should also tell Blue Motor Finance that you have now taken advice and that you now understand that their initial statement that the matter needed investigation and that the dealer was going to carry out repair, is unacceptable and actually unlawful and contrary to the short-term right to reject contained in the Consumer Rights Act. Tell Blue Motor Finance that if they will not cooperate immediately in returning all of your money and cancelling the finance agreement that you will consider legal action against them for breach of contract and also for treating you unfairly country to their statutory duty under regulations developed by the Financial Conduct Authority. You should stop driving the car immediately. How far away from you is the dealer? Frankly you want to get rid of the car as quickly as possible. If you had not had finance in place then we would have cautioned you about this because you could end up losing possession of the car and also not having your refund. However, as you are dealing with a regulated finance company, and of course as the money has been loaned to you and you have not paid a great deal of it back it, your best interests would be in getting rid of the car so that it is no longer your responsibility to maintain, to insure or to generally worry about.   In addition to the hire purchase loan, did you pay anything on deposit? How did you pay? Did you pay by cash or by debit card or credit card? If you're confident then you should drive the car carefully to the dealer and leave it with them on their forecourt. Do not leave in the streets. You should photograph the car inside and out so that there is no argument later on as to the condition of the car when you returned it. If you are worried about driving the car then you should tell Blue Motor Finance that you want them to make immediate arrangements for the removal of the vehicle. Tell them that you are giving them seven days to organise this at the end of which you will charge in storage at £10 per day. This is assuming that you are keeping the vehicle on your own property and not on the road. As soon as you have got rid of the car, you should take immediate steps to inform the authorities that you are not the owner of the vehicle. Make sure that when you return the car it is returned with all its paperwork but you should use whatever portion of the V5 is necessary to transfer ownership away from you. Take copies of all the documentation before you hand them back. If you fail to do this and if the dealer does not change the ownership – then you are at risk of some other person driving it in your name and incurring penalties for road traffic offences or parking offences. That will then give you more complicated problems to deal with as you have to try and convince people that you are not the owner and not the driver of the car at the time. You should calculate exactly what this whole thing has cost you. This means all of your out-of-pocket expenses including the cost of going to see the car, going to fetch it, driving it back, any expense of insuring it or anything else because later on we will help you claim all of this back. Of course you will claim all expenses and fees et cetera associated with the finance agreement. As a matter of interest, how recent is the MOT on this vehicle? Who MOT'd it?  
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    • Please can you tell us about the car you bought - make/model/mileage/price.   What are the surnames of Nathan and of Alex?   What address are Chobham Central Motors using?   As you will see from this website and from the Daily Mail article -  Downfall of car dealer who sold death traps: Chancer forged court papers and refused to pay refunds | Daily Mail Online WWW.DAILYMAIL.CO.UK Ahmed Alwaheeb's firms sold cars riddled with faults - and which sometimes had government recall notices that required manufacturers to fix safety issues - but refused to refund customers.     You have bought your car from a bunch of dealers who don't seem to be very scrupulous about the way that they operate.  However, you have saved yourself by using a finance company.  I think that you may be the first people we have come across who have not paid cash to this company.   Citizens Advice are right that if your arrangement is a hire purchase arrangement then your action will be against Blue Motor Finance -  Home Page - Blue Motor Finance BLUE.CO.UK     Chobham used to be registered with the Motoring Ombudsman but they withdrew after some decisions against them.   The so called Motorcomplaints service which is apparently run by someone called Alex, is in fact part of the Chobham/EMC etc bunch and seems to have been setup to make customers think that their complaint has been reviewed by an independent arbiter - when in fact it hasn't.   The motor complaints service to which you been referred by Chobham and which is apparently run by Alex should not be confused with the Motor Ombudsman scheme which is a legitimate organisation although frankly it's probably not very useful anyway.   All of this has been reported to Citizen's Advice and Trading Standards many times and nothing has ever been done about them.  Even the Daily Mail article failed to prompt any authorities to take any action   Blue Motor Finance are wrong to tell you that they have to investigate first.  The dealer has no right to insist upon a repair as you have reacted and asserted your rights within 30 days of purchase.   You will have to get tough with Blue Motor and we will help you.  
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    • its an if not they def will.   then snotty letter time
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Natwest missold student account


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Hi there, firstly hello everyone. It's my first post here - after trawling the web it looks like someone here might be able to help me. I really hope so!!

 

Here's my story, I hope it makes sense, if anything needs clarification just let me know.

 

I opened a student account with NatWest in 1998 which had a £2000 overdraft facility. When I started work in around 2003, this account was no longer interest free.

 

Just over 2 years ago I bought my first house and was having financial difficulties so I made an appointment with a financial advisor at my local NATWEST branch and it was agreed that I could pay £5 per month off the account with the £2000 overdraft. They advised I opened another account to use as my current account and close my previous student account. As the interest was higher than £5 per month, more debt was accrued to this closed student account.

 

In September 2007 I returned to university and went to my local branch to arrange student status. I had a £300 overdraft facility on my current account and the existing £2000 (plus £250 in charges) on my closed student account. I met with a different advisor who said I needed to pay the excess of £250 (above the agreed £2000 limit). After a number of weeks (October 2007), he contacted me and said he could extend my overdraft facility on my current account to £1250 (from £300), immediately take £250 from this to cover the excess on my closed student account and for me to continue to pay £5 per month to bring down the £2000 as both accounts would now be interest free (student status). I agreed.

 

This happened for a couple of months, the £2000 overdraft on my closed account was coming down (albeit rather slowly). But in December 2007, the interest was reapplied to this account and I started to accrue more charges/debt (around £40 interest plus £28 in bank charges).

 

I returned to the local branch and made an appointment to meet with a different advisor to discuss it (the man who I'd met with originally had left). She apparently made notes and promised someone would call me back within a week to discuss it. I didn't hear from anyone and after 2 weeks returned to the branch and the girl refused to see me. During this time I had emailed NATWEST about the issue but had no response.

 

I have since had letters from their collections department demanding I pay £350 immediately to stop me being referred to a credit agency. I called them this week to discuss it and went through the above. I was promised a manager would call me back and would do so the same day. No-one called me back so I called them the following day and again, was promised a manager would call me – no-one did. So I called again and registered a complaint.

 

A couple of days later I received the same threatening letter from the collections department and another letter from the complaints department saying I had to pay the money immediately and it was my fault for not dealing with it sooner (despite me having been into the branch on numerous occasions, emailing, etc). It also said that NATWEST will only award student (interest free) status to 1 account which was not what I was told or I wouldn't have agreed to raising my overdraft to £1250 and continuing to pay £5 per month, only to be in exactly the same situation 4 months down the line (incidentally the same advisor told me to take out NATWEST contents insurance and break my TV to get a new one from them, which I did not do!).

 

So I called them again and again I was promised a call back – no one called until 2 days later and this person had no knowledge of me needing a call back, and was just another person trying to recover the debt. Again I explained the situation and he put the phone down. So I called back and asked to speak to the person I was just speaking to and yet again, they had no record. This person said they would look at my notes and call me straight back but has not done so either.

 

They refuse to look into the situation, they say they have no record of any of my appointments with anyone. Despite the fact they state 'calls are recorded' on their letters they are not, as I have asked for them to look for the recording of my conversation with the advisor who misinformed me to get me into more debt with them, they can not provide this. They wont let me seek advice before they proceed to have me blacklisted and continue to threaten this. They refuse to locate this member of staff who misinformed me also, despite many requests from me.

 

What can I do? What are my options?

 

Has anyone had a similar experience?

 

I'd be so grateful for any advice.

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Hi dickbill1

 

Welcome to CAG and the NatWest forum.

 

We always advise that all communications with the bank be done in writing for the reasons you have discovered.

 

Firstly, I would turn the above post into a letter and send it to customer services at NW as a formal complaint (send a copy to your branch).

 

Secondly, the £250 in charges (and any subsequent charges) are unlawful so you should begin a claim to get them back following the tried and tested methods on this site. If you have all your statements, you can work out the charges (on all accounts) and send the preliminary letter asking for them back. If you don't have statements, send a SAR asking for them.

Steven

 

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Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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