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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?
    • I must also add that I do not wish to use the warranty, as it is pretty much useless, and the car had around 115000 miles when I bought it. it has not 1000 miles more. 
    • Thank you. What is the expected mileage of this vehicle? I think one might need to take into consideration that it has 36,000 miles on the clock and that you have enjoyed a further 2500 miles which means that it now has about 38,500 miles on the clock – is this correct? I think then you need to consider that mileage – 38,500 as a percentage of the expected life of the engine and that tells you something about the proportion of any settlement which you might reasonably expect
    • 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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HSBC small business loan

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please help, I took a sml bus loan in 2002, they secured it on the property, the property is not free hold, and i have payed for the lease for 99 years. they also said they wanted to put a second charge on my house. About a year later all was well and i got my personal business manager to release the charge on my home. any way i fell into difficulty and havent paid any thing to them since 2005. I recieved a letter from them saying that unless i payed them they were going to start proceedings on my home, i phoned them up and explained that i couldnt afford to pay, and reminded them that they had relesed the charge that they had on my home back to me. I was on the phone for over two hours being passed to different people. i made an appointment with my business manager to sort it out, but when she tryed she told me she no longer had any control over the account, she phoned head office and they couldnt give her any info, she looked as stunned as me. Finally i recieved a letter from Metropolitan Collection Service, saying HSBC had passed my debt of £24719.02 and to contact them. I did and explained i had already asked hsbc to repossess my shop, and i havnt heard any thing from them since. It feels like something isnt right, why havnt they taken me to court, why cant they answer my questions, and y send me a letter saying they would start proceedings on my house which i had already sold, :confused::mad:

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I can understand you anxiety, HSBC rarely make sense.


The branches are impotent and the call centres just plain infuriating.


TBQH I would write to the 'head office' (wherever that is these days) and formally ask them to clarify the status and demand that your dialogue is with HSBC only - and in writing at that. Don't talk to any DCA!


Did you bank with HSBC too? Hefty charges/interest/fees?

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