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    • Correct.   Engine heads are not considered consumable items - I don't think i should be looking for a deduction in cost due to wear and tear - especially since it is not a wear fault.? Life of a vehicle is also subjective. Saying that, its a well known make for reliability, and I know that other people own models from them have gone once round the clock. and still going strong so whats the yard stick?
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    • Hi there,   Thanks for this amazing forum. Please see below 1-  letter I sent to financing company in regard of issues and 2- their response.    What is the next step moving forward?    Thanks   1- LETTER SENT TO COMPANY ON 2ND DECEMBER 2021( BOTH BY EMAIL AND POST TRACKED DELIVERY)   Dear Blue Motor Finance Team,     I entered into a Hire Purchase agreement with you on the 27th of October 2021.     I picked up the vehicle, a Citroen C4 Grand Picasso EXCL BLU on the 30th of October. On my way back home, after driving it for over an hour, the seatbelt alarm for the middle row left hand side seat went off. It was unsettling and dangerous as the alarm went off several times for long periods of time, distracting my driving. There was nobody in that seat, nor any object leaning on it.    I also noticed last night that the clutch of the vehicle is slipping when engaged in gear and accelerating with emphasis. The engine revs up but the car does not react accordingly. This is a serious issue that needs to be fixed as soon as possible to avoid further and serious damage to the transmission. This issue only happens when the throttle is put down with emphasis in 4th, 5th and 6th gear. When the car is driven slowly, the issue is not noticeable at all and the car responds normally, hence the fact I had not noticed before.    I will not drive the car in order to avoid further damage to it.    This car was not of satisfactory quality at the time of sale and if it was, it has not remained in that condition for a reasonable period of time.    I would like to kindly ask you to provide a response in the next 7 days, as time is of essence here.    I bought this vehicle for work reasons and I do not have a suitable alternative vehicle. I would like to kindly ask for a replacement vehicle until the car is repaired. If this is not provided, I might need to rent a vehicle for work. If this is the case, I will be looking for a reimbursement of the expenses incurred in doing so as well.   As I am within six months of the date of purchase, I am asserting my rights under the Consumer Rights Act 2015 and I am providing you with a single opportunity to repair the vehicle failing which I will consider a full refund.    I have sent a copy of the letter to the dealership and I kindly require you to enter into discussions with each other to discuss whether or not you are going to repair the vehicle or declined to repair it in which case I would like to know what arrangements will be made to refund me my money and to remove the vehicle from my property.    I would like to ask you if you are a member of or willing to use ADR to resolve this issue as an alternative to an undesired court case.    Kind regards,   2- THEIR RESPONSE received on 6th Dec 2021 by email.     Good Morning,    Thank you for your letter dated 2nd September.    As the dealer has the first opportunity to repair under the Consumer Rights Act 2015, the vehicle has not been returned to the dealer and/or we have not been provided with evidence by means of a diagnostics to confirm the faults you are experiencing with your vehicle.    The dealer has also advised that you have warranty with your vehicle, which enables you to take your vehicle to a reputable garage for repairs. Please could you confirm if you have exhausted all avenues?    As a regulated business, the FCA allows us 8 weeks to investigate a Complaint and therefore please allow us this time to investigate your concerns, once we have sufficient evidence.    Should we establish liability, we will review the possibility of offering a hire vehicle, however we are not required to mitigate customers losses as the vehicle should be for personal use not business.    Once we have the evidence required to establish our liability, we will be able to discuss this with you further.  
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Natwest closed my account... and didn't tell me!


chinbo99
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Hi there,

 

Hopefully someone can give me some advice on this. Today was supposed to be my payday. I say supposed to be as unknown to me, Natwest have closed my account 10 days ago and have decided not to let me know of this fact!!!

 

Anyway, the history behind it is this. I have two basic accounts with them, one I have kept fine, the other that was overdrawn by £100, every single penny of which was bank charges. Last November I put a claim in for about £450 of charges on the overdrawn account, I was obviously told that about the claims being stayed and the claim had been recorded but no further action would be taken at present blah blah blah. I have therefore refused to pay back the charges on this account until the case has been resolved. My other account has been run flawlessly throughout this period.

 

I knew I had little money in the good account so have not used or looked at it for the past couple of weeks, as I had already paid all my bills from last month. So on Sat 1st Nov, I tried to access my account online, with no luck. I rang Natwest and they tell me that they could not access my account either, but that it had not been closed, and to ring back another time. So I ring back monday this week, and I get the same response. I query about my wages going in this Friday (approx £2000!) and they say there will be no problem. So today I try to access my account with my cash card, no can do apparently. I try online and still no luck. Obviously getting pretty worried now, I ring them again. After about an hour of 'heated' debate, I am told by customer care that my account was closed on 27th October and they can tell me nothing more. So what about my wages I say. The payment will have been returned to your employer they say. Cue much swearing and losing temper.

 

Basically I have no money at present and was heavily relying on this money to survive ie I have hardly any food at home, the car is running low on fuel and my home phone line has already been suspended as I have not paid this month and cannot now do so.

 

My employer have a centralised HR department so as much as my query to them about getting paid my wages another way is urgent, I will be lucky to get a response before monday. I am effectively screwed because Natwest have failed to inform me of there actions. No letters, no phone calls, nothing.

 

I really need to know what I can do about this. Surely it is not allowed, and what are my options to get back at them. To say I am livid at this point in time is a serious understatement. Is there anyone I can contact about this, it is surely a breach of some contract or regulations to leave me in this situation without telling me. I know nothing about the laws involved with this but surely they cannot shut all my account due to £100 of bank charges and not tell me, given that I would have paid the money from my wages if I'd known that were going to do this.

 

Someone please help, I am in utter dispair and do not know where to turn.

 

Oh yes, one last thing, I am waiting on Natwest getting back to me about what has happened, but I doubt that will be til next week at the earliest!

 

Thanks for any help you can give.

 

Chinbo99

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Hi,

 

No help here, but I can only sympathise. Natwest closed my loan account too without telling me by taking money from an account with no funds in it, sending me overdrawn and creating charges.

 

In your case I think they might be using some offset clause. You need to read through your ts&cs to find why they might have done what they did.

 

You may then be able to fight that "unfair" clause.

 

Good luck and I hope someone is of more help, and I hope you get your money back soon.

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Thats pretty helpful, thanks for that.

 

So it looks like they'll be in trouble when I complain about this. I had no notice of the closure whatsoever, so I'm pretty sure thats not "reasonable time to arrange an alternative"!

 

Just as an update, Natwest still don't know what has happened with my account. They told me my wages would be returned to my employer but I have it confirmed from my employer today that they have not received the money, and as far as they can see, Natwest still have my wages somewhere.

 

So I'm off to the bank tomorrow to hopefully get some answers. I'll be using some of the info in that link as ammo!

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Hi,

 

No help here, but I can only sympathise. NatWest closed my loan account too without telling me by taking money from an account with no funds in it, sending me overdrawn and creating charges.

 

In your case I think they might be using some offset clause. You need to read through your ts&cs to find why they might have done what they did.

 

You may then be able to fight that "unfair" clause.

 

Good luck and I hope someone is of more help, and I hope you get your money back soon.

 

And also thanks for your sympathies Sneaker, in someways its comforting to know that I'm not the only one. In times when so many people are living from month to month, not getting your wages on time can really be damaging, as its starting to be in this case! I can't believe they think they can do this without hearing something from it.

 

Thanks again, and good luck with your problems (unless you've sorted them already of course?!)

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