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    • Hi all, hope you can help. I've received a £4k repair estimate from the main dealer after my 2016 F30 330e developed the dreaded drivetrain error. The qoute is for a replacement cell module and associated labour and various bits and bobs to get it done. I initially had them investigate the issue when it first popped up a year ago. They replaced the auxillary battery which 'fixed' the issue for a few months before returning. Last Novemner the issue escalated to 'Battery not charging' which would clear after powering off the car , and disappear. Took it into the dealer and they diagnoised a faulty high voltage battery under the boot but could not do any work as they needed to schedule more cars for this 'specialist high voltage work'. So they said I could continue to drive the car until they got in touch when the car could be booked in for repairs. Roll on to April, the issue became severe (battery not charging error not going away, car in limp mode one morning) and car completly died at a traffic light same day (dashboard flashing all over the place), couldnt engage in 'Drive' and had to be recovered by AA to the dealer. Turns out car was now only running on the 12v battery in the boot and that had run flat as the hybrid function had stopped working altogether. My question is whether this is a reasonable estimate. Could this be done cheaper elsewhere? The dealer has servived this car from new hence took it them in the hope they'd not point fingers at any other party. Should I be paying for this at all since I raised the issue with them before it escalted and resulted in a now expensive fault? I also suspect the KLE may have gone too based on other posts, but the dealer hasnt qouted for that yet. I worry they'll' 'discover' that after I've already shelled out for a new cell module and end up lumbered with another bill to replace the KLE. Feels like I know about what they need to do than they do. The Service Advisor has been completely useless. Any advice would be greatly appreciated.
    • The Petrol Station is Shell Garage Wickham (Hampshire ) Another person obviously had the same issue as they had called the garage previously-
    • Thanks Dave, that all sounds clear to me. In terms of avoiding PCNs, I'm not sure if I can. I need to be able to park in that spot, especially as I've got kids to lug forth and back for the school run. Likewise it's not always possible to use the MA's permit system either, as I've not always got them to hand. So, if I'm actively avoiding PCNs, then it could mean I've given in to their idiotic rules. But, I do get what you're saying, as I imagine the risks go up if they claim there are multiple PCNs to be paid at court. Not sure what to do with this one.
    • Is it possible you could qualify for a DRO (Debt Relief Order) and ditch the IVA ? https://debtcamel.co.uk/end-iva-change-to-dro/  
    • My IVA which I began in 2021 has for around a year now been passed to credit expert - I find this company and it's staff obnoxious and insensitive money grabbing monsters.  What is my legal right can I have my IVA moved to another ip what happens if Hanover sell my file?  I am ina real bad situation where my kids are unwell and this crest expert supervisor is saying I should try more than what I agreed despite my situation being very bad and kids unwell.   I feel like they are bullying me and I duh I where to turn.  I keep getting emails saying we at credit expert are in charge of your iva now but still I got messages about my review annual from Hanover which I sent documents and now I got a response from credit expert saying they think I agreed to pay more - how ludicrous is that how can I keep these bullies at bay.   Who can I complain too without messing up my IVA.  I'm going to post below what they sent me please someone help me as they are making me suicidal now. These evil people g coincidently all Indians with weak English which is another issue as communication feels like a battle each time.    Good afternoon,   We hope you are keeping well.   In accordance with the terms of your voluntary arrangement you a required to comply with the following modification:   The debtor must seek to either obtain full time employment or improve self employed income to equivalent thereof as soon as possible and a full review of the debtor’s income and expenditure must be undertaken by the supervisor. The contributions shall increase after taking into account any increased costs in respect of travel and should commence in the month following the review. If any instances of co-habitation with the debtor by any person aged 18 or over occur during the term of this arrangement and where there is reasonable expectation that board and lodging should be paid, the contribution will be added into this arrangement in full. The debtor agrees to provide an income and expenditure review in the month following any loss of child related income. Any surplus identified is to be made available immediately for the benefit of unsecured creditors in the arrangement.    In order to ensure that the terms of the voluntary arrangement are adhered to, I require you to provide evidence that you complies with the above modification along with any supporting evidence.   Alternatively, if you believe you are no longer able to comply with the modification please do inform us.   I eagerly await your response to the points raised within 14 days of the date of this email.   If you have any further queries, please contact Customer Service on ‪0800 0431 431‬ or by email at [email protected].   Thank you for your comprehension.   Plese guys advice me what I can reply as I don't have any more money for these thieves and their annual review is an annual monster nightmare how can I tell them I'm not willing to be bullied and can't paid more    تھا ks   
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Welcome Finance charging 51.11% APR!!!


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£2000 loan in 2007

£704.71 insurances (which they said i had to have!)

over 2 years Payments of £173.10 each month.

 

however I had major personal and financial problems a year later and after they harrased me by phone and letter I ent to local office and signed new contract which allows me to pay £56 monthly...........I dont have a copy of this.

 

 

I am sending a letter requesting all statements etc as I have never received one since taking out this loan.

 

Then what do I do?

 

I cant believe how much interest I am paying!

They prey on people in extreeme circumstances and can find no other way! Well I am back on my feet (emotionally that is) :-) and ready for a fight.

make the most of today because tomorrow you can't go back ;)

Batty_uk

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I am back on my feet (emotionally that is) :-) and ready for a fight.

 

Thats the attitude to have, lets take this all the way then ....

 

First the figures you quoted from the first loan, do you still have this loan agreement, if so post it up for us to see minus your personnel details.

 

Second send off a CCA request for your current copy of agreement so we can check that.

 

third send off a SAR so you can get the ball rolling on your claim for the return of your PPI.

 

 

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Yes I have the agreement ... how do I post it on here?

 

oh I think I've worked it out! :-) will give it a go

Edited by batty_uk

make the most of today because tomorrow you can't go back ;)

Batty_uk

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Thats the attitude to have, lets take this all the way then ....

 

First the figures you quoted from the first loan, do you still have this loan agreement, if so post it up for us to see minus your personnel details.

 

Second send off a CCA request for your current copy of agreement so we can check that.

 

third send off a SAR so you can get the ball rolling on your claim for the return of your PPI.

 

Let me know if it doesnt work or u can read it :-)

 

SAR printed and ready to post :-)

 

 

Hope this works as attachment :-)

WF.doc

make the most of today because tomorrow you can't go back ;)

Batty_uk

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Batty im at work till late-ish tonight but will check your agreement over when I get home so should have some figures for you tomorrow morning.

 

 

thank you!

make the most of today because tomorrow you can't go back ;)

Batty_uk

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Ok Batty, lets check your agreement.

 

Your loan is £2000 over 24 months at 55.77% apr

 

thats a monthly repayment of £128.00

interest £1,072.07

total payable £3,072.07

 

Insurance

 

Insurance £704.71 over 24 months at 55.77 % apr

 

interest £377.75

monthly payment £45.10

total payable £1,082.46

 

total interest is £1449.82 plus loan of 2000 is 3449.82 plus insurance is total amount repayable 4154.53 divide by 24 to give a monthly figure of £173.11

 

 

 

This is the first one I have actually got correct to welcomes figures so welcome has done your agreement correctly. Seriously first one I did, they rounded their decimals down to .10 I did mine up to .11 as the closest denominator were they went to the lowest denominator but all the same as within 0.1 % scope.

 

 

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Yes, only if you feel it was missold you can defo claim it back. claim for 704.71 plus amount of months you have paid x £15.74 which is your monthly insurance interest. Then you can add 8% stat interest if you choose too.

 

Thank you so much for your help

make the most of today because tomorrow you can't go back ;)

Batty_uk

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