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    • Hi all, Love this site and it's no nonsense advice, have dipped in and out of the consumer forums over the years, mostly to assure myself that what I was doing was the right thing when dealing with various businesses (almost 100% success rate, thanks in part to reading and more reading here.). Anyway, the time is almost approaching where I might need to ask for some specific help and I have a couple of queries that I can't see definitively answered. Due to financial mismanagement and severe anxiety issues I stopped paying all unsecured debt in December 2018 (one slipped to the first week in Jan 2019 when the last payment was made having rechecked my bank statement from that period - all my unsecured debt direct debits were cancelled in early Jan 2019). This has left half a dozen debts;  a couple of credit cards, a bank loan, Shop Direct and some Hitachi Finance stuff having been sold on and passing the rounds through the usual suspects, Lowells, Link, PRA Group, others related to them, and then back to them again. I have somehow successfully managed to maintain radio silence and avoided anything more worrying than their begging letters.  I have blocked their phone calls and texts, bumped all emails to the spambox and had a chuckle at their desperate letters.  I've never had anybody at the door.  I have been at the same address since before I defaulted and all correspondence comes to my current home address.  I have NEVER contacted them or admitted any debt. In anticipation of them perhaps ramping up action at the last minute I've had a look at my credit report on Credit Karma (rec'd from this very place) and I see that the default dates on these range from May 2019 to November 2019. Also in preperation I've been reading, reading and reading lots here as advised. Obviously being in Scotland there are a lot fewer posts relating to these matters and it's always quite annoying when OP's do not follow up with any outcome on their cases - how rude! This has also left me a bit confused of when I am able to finally breathe easy (although cancelling all the direct debits in Jan 2019 was the biggest sigh of relief as I knew it was all going to be unmanageable and, well, default one, default all.). I've been reading that defaults should be filed 3-6 months after the missed payment but one of my larger debts was defaulted on 27th August 2019 when the last payment I made was 10th December 2018, meaning the first missed payment was 10th Jan 2019.   My query for now is - when should I infer that these debts are prescribed?  From when the payment was missed, or taking the default date plus 5 years from the credit report?   The three I have with the May date are moot anyway as either way they are gone - some letters from Lowell offering me 90% off to settle is what got me thinking these must have been near SB status, however I have one big 10k+ with a July date and another 10k+ at the end of August so I am feeling a bit anxious again, even though I know there is nothing to worry about with the begging letters.  Reading the various forums I am not sure why the OC's didn't take action against me when I read time and again the surprise that other posters haven't already been taken to court for lesser amounts - I'm also surprised I've avoided any action this long as there are plenty in this forum and sub forum who are whisked off to the court by the beggers minions after only a year or so after defaulting.  There are no CCJ/decrees listed on my credit report and I have not received any such judgements against me.  I still just regularly receive the begging emails to the spambox, the blocked phone calls and the letters from the they.   I'm also reading that there is no need in Scotland to send an LBC so what should I be looking out for to know that the time has come to engage with CCA requests etc?   I'm afraid in a fit I threw a lot of the paperwork out but I have a box of stuff I'm going to go through which may have the original letters from the OC's.   Thanks in advance for any advice.  
    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
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Problem with Peugeot garage


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hi everyone newbie here.

 

right heres the situation.

 

Last week an error code came up on my car which is a peugeot 407(4 years old).It was an esp/asr error.

 

On Monday past i took it to the dealership in town where they perfomed a diagnostic test on my vehicle.This test cost £50 but I managed to get it for £40.Anyway the result of this test was inconclusive as they informed me it was angle sensors to the front or to the rear of my vehicle but could not pinpoint exactly where the fault came from.

 

The guy in the garage told me if I wanted to get a proper diagnosis I would have to spend approx £400 for peugeot to get a specialist mechanic to find out the exact cause of the fault.

 

I thought this was strange so I checked up on my payments to peugeot and found out that I was on hire purchase agreement.I spoke with trading standards and they thought that peugeot had to fix my car.Is this true?

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Not necessarilly. It depends on the warranty supplied with the car if any. Most warranties allow an amount for diagnostics based on what they think is a reasonable amount to diagnose the fault. Some extended warranties refuse to cover diagnostis at all. They just cover the removal and refit of the affected part.

 

Would be interesting if you could post the fault codes they found.

 

Most esp/asr/dsc codes are registered from the ABS sensors and yaw control module so why it needs a specialist at the moment is questionable.

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Not necessarilly. It depends on the warranty supplied with the car if any. Most warranties allow an amount for diagnostics based on what they think is a reasonable amount to diagnose the fault. Some extended warranties refuse to cover diagnostis at all. They just cover the removal and refit of the affected part.

 

Would be interesting if you could post the fault codes they found.

 

Most esp/asr/dsc codes are registered from the ABS sensors and yaw control module so why it needs a specialist at the moment is questionable.

they never showed me the fault codes.all done behind closed doors.i wasn't asked if i wanted to see the diag test being done.:mad:

 

From what i gathered from trading standards the car was peugeots responsibility until i had made my final payment which is in july coming.

Edited by bannblue
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Heliosuk, does this story remind you of something?????????? It must be the same computer as Citroen in Coventry.

Here again is yet another example of Technology taken too far and is "OUTWITH NORMAL SERVICE CAPABILITY"

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Now you mention it, it does actually. An inability of the PSA group Product development to understand what they have built and tell the dealers how to fix and service it.

 

I'd love to take my car in to a pug or ****reoen dealer to tell me why my engine MIL light is on and film it for youtube.

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bannblue,

 

What TS have told you is wrong. The responsibility of Pug ends at the end of the manufactuers warranty. If you have another warranty this will be an insurance policy against mechanical failure, very different indeed.

 

In any way, the checks they did should have been down loaded and recorded on the job card, purely for audit purposes and to aid diagnosis. Sometimes there are too many to remember and are perhaps nebulous.

 

Just as a matter of intrest, have you changed any tyres lately as this is one of the most common things dealers miss as the systems are that sensitive now an ABS sensor will detect it and that is what all your lights are driven from.

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bannblue,

 

What TS have told you is wrong. The responsibility of Pug ends at the end of the manufactuers warranty. If you have another warranty this will be an insurance policy against mechanical failure, very different indeed.

 

In any way, the checks they did should have been down loaded and recorded on the job card, purely for audit purposes and to aid diagnosis. Sometimes there are too many to remember and are perhaps nebulous.

 

Just as a matter of intrest, have you changed any tyres lately as this is one of the most common things dealers miss as the systems are that sensitive now an ABS sensor will detect it and that is what all your lights are driven from.

 

 

Thanks for your reply,From reading my hire purchase agreement the car belongs to peugeot until such times as it is paid off which is in july but i will take your word for it.

 

I am currently not working at present so cannot afford to pay those twits £ 400 and I intend to trade the car in anyway as it's a pile of scrap and I personally wouldn't go near peugeot again.

 

No I haven't had tyres changed.The only thing I got done was ball joints replaced last year which I am led to beleive should have been done by pug by recalling the peugeot 407 but due to their greed this wasn't done.

 

I will never buy Peugeot again or french car for that matter.:mad:

Edited by bannblue
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The agreement you have is to finance the car through Pug I reckon. This does not include the warranty.

 

This needs clarification. What finance agreement, Pug to buy the car, Pug contact/lease hire, Pug options scheme???

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The agreement you have is to finance the car through Pug I reckon. This does not include the warranty.

 

This needs clarification. What finance agreement, Pug to buy the car, Pug contact/lease hire, Pug options scheme???

 

Peugeot finance is what i was told when i first bought the car,then when i phoned them the other day they told me it was a hire purchase agreement.

 

I have made a complaint to peugeot ref the circumstances and they are due to get back to me next monday with reference to who pays for the repair etc.

 

I have the agreement that i signed in front of me,no mention of hire purchase or peugeot finance just stating conditional sale agreement regulated by consumer credit act etc etc.They seem to me to be hidden in the way they do things and the documents they supply you with.

 

I am sick to the back teeth with these people and will never have anything to do with them again.

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It is unfortunate that you bought the latest 407 PUG. I too am having great trouble with citroen uk. a sister company.

It's a bit unfair to say bad things about a brand, as the previous models, in both our cases, were very fine cars indeed. The 405 & 406 diesel estates were excellent vehicles, and capable of high, trouble free milages, coupled with outstanding economy.

Part of todays unsatisfactory customer service, apart from the recession, is that manufacturers are having to spend mega bucks in meeting these ludicrous EU Regulations, which seem to be absorbing much of their resources.

It's times we dumped this EU outfit, and turned the clock back, until such times that the correct technology is in place to move forward without all these unsolvable problems.

Why manufacture something if you can't control it???

I'm sure if you bought an old PUG you would be highly delighted.

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It is unfortunate that you bought the latest 407 PUG. I too am having great trouble with citroen uk. a sister company.

It's a bit unfair to say bad things about a brand, as the previous models, in both our cases, were very fine cars indeed. The 405 & 406 diesel estates were excellent vehicles, and capable of high, trouble free milages, coupled with outstanding economy.

Part of todays unsatisfactory customer service, apart from the recession, is that manufacturers are having to spend mega bucks in meeting these ludicrous EU Regulations, which seem to be absorbing much of their resources.

It's times we dumped this EU outfit, and turned the clock back, until such times that the correct technology is in place to move forward without all these unsolvable problems.

Why manufacture something if you can't control it???

I'm sure if you bought an old PUG you would be highly delighted.

 

Don't get me wrong ,the best car i ever had was the peugeot 406 which i bought off the same garage.give me no problems at all.it's all these new electronic things and the ways of testing them and their failure to diagnose correctly what the fault is.

 

I was also under the impression that a dealership had to find out the fault not for me to pay for them to do it.then after finding the fault they could give me an estimated bill for repair.it's the underhand way in which they do things now that infuriates me and the extortionate prices.

Edited by bannblue
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I have spoken with a legal adviser who states quite clearly that under the sale of goods act 1979 that the vehicle is of satisfactory quality and under my terms and agreement the onus is on the finance company to repair my fault as it is an inherent fault ie not done by wear and tear of the vehicle.the finacial ombudsman has also been informed.

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I have spoken with a legal adviser who states quite clearly that under the sale of goods act 1979 that the vehicle is of satisfactory quality and under my terms and agreement the onus is on the finance company to repair my fault as it is an inherent fault ie not done by wear and tear of the vehicle.the finacial ombudsman has also been informed.

Subbing as I have a similar problem with a Peugeot 107 which peugeot are claiming isn't covered under the warranty.

It's clear that some Peugeot vehicles are unfit for purpose.

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Subbing as I have a similar problem with a Peugeot 107 which peugeot are claiming isn't covered under the warranty.

It's clear that some Peugeot vehicles are unfit for purpose.

 

I would say most are unfit for purpose.i recently spoke with a fella who works for peugeot as a salesman and he told me that the engines were fine but that the diagnostics tool was rubbish as was the electronics in the car.I will never have another peugeot,thats for sure.:mad:

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I have spoken with a legal adviser who states quite clearly that under the sale of goods act 1979 that the vehicle is of satisfactory quality and under my terms and agreement the onus is on the finance company to repair my fault as it is an inherent fault ie not done by wear and tear of the vehicle.the finacial ombudsman has also been informed.

 

Perhaps you could answer post #8 which will enable us to determine exactly what is what because if you have given the legal advisor the information you posted here you could well find yourself very dissapointed and embarassed.

 

In relation to subbings comment about the diagnostics, it's not usually the diagnostics that are crap it's the people employed to use them.

 

In fact, the diagnostics are usually so good, current technicians don't understand what they tell you and that is where the problem lies. The onus is on the dealer to train the technicians and they just don't as this is a cost to them but they don't calculate the knock on effect on customer service. Conversley, the manufacturer expects them to be fully trained and up to speed and this does not just apply to technicians but sales people as well.

 

The trade pays peanuts to these guys and they get monkeys.

 

Another reason why this industry needs regulation and licensing!!

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The agreement you have is to finance the car through Pug I reckon. This does not include the warranty.

 

This needs clarification. What finance agreement, Pug to buy the car, Pug contact/lease hire, Pug options scheme???

conditional sale under the consumer credit act 1974.

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In that case you need to treat like a personal loan from the bank. The Finance co have lent you the money to buy it. So Pug finance, which is probably a French Bank like Credit Agicole have no legal obligations as regards the fault. Essentially you have a bank loan in simple terms.

 

So can you tell us what the warranty is you understand you have, was the car bought new, used or what?

 

Does the service book have a full history and on time and on mileage?

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In that case you need to treat like a personal loan from the bank. The Finance co have lent you the money to buy it. So Pug finance, which is probably a French Bank like Credit Agicole have no legal obligations as regards the fault. Essentially you have a bank loan in simple terms.

 

So can you tell us what the warranty is you understand you have, was the car bought new, used or what?

 

Does the service book have a full history and on time and on mileage?

 

I bought the car new, 4 1/2 years ago with a 3 year warranty.i took my car to different mechanics for service etc.I don't know where the service book is.

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Ok, say now we are clear ast to what is going on. On the basis of what you have said, I would think that you didn't take up the option of extending the "manufacturerswarranty" which is essentially the same as a used car warranty, which is not a warranty but an insurance policy against mechanical breakdown and as such also has conditions.

 

So we need to work out what has gone wrong and how to get around it.

 

Forget any claim against Pug or the finance co unless it's possible to provethat this is a common issue and subject to an "Pergouet service campaign". This should have been picked up when they looked at it and the diagnostics would have alerted them to it.

 

You need to ask for the fault codes from the job card. If not available then look under the bonnet and look for silver boxes and let me know the name on it.

 

Unless anyone can throw any light on it here, we need to know which manufactureres system its running on. Bosch is popular, Valeo or Delphi another. Unlikely to be Magnetti Marreli.

 

Worth a post on the Pug forums to find out what is what.

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Ok, say now we are clear ast to what is going on. On the basis of what you have said, I would think that you didn't take up the option of extending the "manufacturerswarranty" which is essentially the same as a used car warranty, which is not a warranty but an insurance policy against mechanical breakdown and as such also has conditions.

 

So we need to work out what has gone wrong and how to get around it.

 

Forget any claim against Pug or the finance co unless it's possible to provethat this is a common issue and subject to an "Pergouet service campaign". This should have been picked up when they looked at it and the diagnostics would have alerted them to it.

 

You need to ask for the fault codes from the job card. If not available then look under the bonnet and look for silver boxes and let me know the name on it.

 

Unless anyone can throw any light on it here, we need to know which manufactureres system its running on. Bosch is popular, Valeo or Delphi another. Unlikely to be Magnetti Marreli.

 

Worth a post on the Pug forums to find out what is what.

ok i will try and find out re the boxes.I didnt take out any additional cover.my head is spinning at the minute with people telling me one thing then somebody else telling me something completely different but i do appreciate your input.the financial ombudsman should know.

Edited by bannblue
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That's often the problem on this forum bannblue. There are those who know and there are people who think they know.

 

Often you see the SOGA rules being shouted and six year rule but this is the top end of the law only. When you dig down to individual cases and case law it comes unstuck.

 

Lawyers can argue the case till the cows come home but it does not fix the predicament you are in.

 

You need the quickest possible fix at the least cost to you is how I now read it.

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That's often the problem on this forum bannblue. There are those who know and there are people who think they know.

 

Often you see the SOGA rules being shouted and six year rule but this is the top end of the law only. When you dig down to individual cases and case law it comes unstuck.

 

Lawyers can argue the case till the cows come home but it does not fix the predicament you are in.

 

You need the quickest possible fix at the least cost to you is how I now read it.

 

true enough but if no quick fix comes soon and it isn't sorted i will take the hit on it as i intend to trade the car in soon anyway,but yes i would prefer to trade it in fixed of course.

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