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ADVICE NEEDED. PLEASE READ BELOW

 

ATT. COMPLAINTS DEPT 08/09 /09

REGARDING Acc No.XXXXXXX

 

I wish to make a complaint regarding the above account. I was informed by my local office regarding charges made on my account (XXXXXX). After querying these charges I requested an S.A.R which I eventually received. On looking at the account statement I have noticed that there are various discrepancies on this statement. These are as follows; on the original agreement (with all insurances added) I paid £316, this has been deducted off the second agreement after interest was calculated which is wrong as the new agreement should have been £316 less before interest being added. The cash deposit (£200) I paid at the point of sale is not on the statement, this next complaint concerns your sales rep who sold me the car. I traded my 1998 Honda civic against my new car and was advised by the salesman that although the £1000 trade would show up as £1 on the paper work that it would be deducted at the beginning of the following month after completion of the sale of the car due to the way their accounts were dealt with (creative accounting I think) also I was entitled to £250 cash back and was given the option of waiting on the promotion to pay out or have this deducted again at the beginning of the month off of my account. I agreed to have the £250 deducted off my account. On Looking at the statement I was horrified to notice that there was no £1000 deducted, no £250 deducted and no cash deposit deducted off my account. I have also noticed that your company has added breakdown cover when clearly on all paperwork there is no mention of this cover being applied for. I have all paperwork to back up all my grievances regarding this account which I think are very unfair and unjustified. To date your company are still advertising £1000 minimum trade in and £250 cash back after being accepted. My car at the time was worth more than £1000 but agreed to the trade in as I was getting a nice newish car which I was delighted with at the time. (Your website says that the customer qualifies for £1000 trade in after the sale is completed. My sale was completed 16 months ago so were is the £1250 as promised. I wish to have these grievances satisfactorily concluded within 7 days or I will exercise my right to put my account into dispute until my complaint has been brought to a satisfactory conclusion. If deemed necessary I will induce COURT action as a LAST RESORT. I hope to hear from your company soon with a satisfactory conclusion to this mess my account is in.( THIS IS A QUICK DRAFT LETTER TO WELLSCUM. DO I HAVE A RIGHT TO PUT THIS ACC INTO DISPUTE

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I Got Had In The Same Way You Did, I Gave Them My Old Car And They Put £1 Part Exchange On The Contract. (salesman Also Gave Me A Story As To Why It Was Put Down As £1)

Didn't They Advertise On The Tv They You Would Get £250 Just For Going To Their Showroom?

 

I'm Sure Someone Will Come And Answer Your Question Soon,

I Will Be Watching This Thread!!:)

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Hi Abbie ive even got the web page saved which states this info about the £1000 and £250, that is for starters they think they are smart but not smart enough.I have the contract wich states no insurances and then on the statement they have added on £299 for mechanical breakdown and recovery,more lies.

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If it's not on your contract they shouldn't be takeing it. Don't give up! screw them for every penny! I am paying £000's in ppi that I was told was compulsary! I also want to screw them over!

I can't believe that they have the nerve to do this to people!!

 

I feel like standing outside their office with a sign warning people what skum they are!:rolleyes:

 

Good luck with this,

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They charged me £299 for gaurdex which i didnt ask for. Added to total price with interest and some months later credited my account with £299 without telling me so in effect stinging me with interest all be it not a lot of money but its my money. All this on the one account and thats not all.

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I payed £200 cash deposit at point of sale and after the origonal agreement was re written (without insurances) the £200 dissapeared and the £318 i origonally paid was taken off after interest was calculated on total price. This is all on the 1 account

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Well i'd start by claiming back any insurances you feel have been mis-sold. You mention that you have mechanical breakdown but do you have PPI or shortfall/gap insurance? There are template letters on here that you can modify to suit.

 

I'd also send a formal complaint asking for them to fulfill their promise of £1000 and £250.

 

Get it all down in writing and send it recorded/special delivery to their compliance department. State in your letters that you want it resolved in 8 weeks or you shall take your complaint to the fos.

 

How old is your agreement?

 

good luck :)

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The point im making is that after a rewrite due to duff insurances i got a new agreement i did an S.A.R and found the following:-

1. On the statement they have added on £299 for mech breakdown,not on agreement.

2. recalculated interest then deducted first repayment of £316 from origonal agreement off second agreement.

3. recalculated interest including payment of £299 for gaurdex paint protecter (which i didnt ask for), then months later refunded £299 without interest back to the account.

4.No mention of £200 cash deposit( which i have a receipt for)on the agreement or statement.

5. I traded in my honda and at time they had the £1000 min trade-in and £250 cash-back for bying a car out of their showroom. they told me the total would be taken off the account statement (i have the advert on the webpage saved). PLEASE CAN SOMEONE TELL ME IF NOW THAT IVE HAD MY S.A.R FOR WHAT ITS WORTH AND FOUND ALL THESE POINTS IF I CAN PUT THIS ACCOUNT INTO DISPUTE?

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point 1

 

welcome con, well spotted

 

please confirm no mention of 200 quid deposit on your agreement (important)

 

why would guardex paint protector be put on a used vehicle (misselling)

 

did you get a receipt for trading in the car

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Hi Post thanks for your time, the only time the deposit was mentioned was on the origonal agreement but not the origaonal statement and not on the new agreement or new statement. they gave me a receipt for £1 for my car and told me that was the way they did it as it was a promotion and that it would be taken off the account statement along with the £250 cash back. I believed them stupidly as this was my first car on finance. My trade car was worth maybe more than £1000 at the time

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Regarding the deposit....The cash deposit wont be mentioned on your statement, the opening balance on your statement will be:

 

The total amount payable (find this on your agreement) minus your deposit and minus the option fee (again, on your agreement). So that explains why the deposit isn't shown on your statement.

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