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    • You say that you had some communication with Blue Motor Finance. Did you do this on the telephone or in writing? You should read our customer services guide. It's extremely important. You should try to do everything in writing but if you have to do things on the telephone then you should make sure that you make detailed notes of your call and then confirm them in writing. So for instance if your discussion with Blue Motor Finance was on the phone, you should make a note of everything that was said – including the fact that they said that the matter would have to be investigated because the dealer was prepared to carry out repair – and you should send this to be motor Finance with a note confirming that this was the conversation they had with you. It is very important to develop a paper trail. Otherwise everything becomes deniable. The situation is that if a defect occurs within the first 30 days of ownership of the vehicle then you are entitled to reject the vehicle under the Consumer Rights Act. You have to assert this right by contacting the dealer – and in this case Blue Motor Finance – in writing and point out that you are asserting a right under the Consumer Rights Act 2015 and you are rejecting the vehicle. Tell them that you want arrangements to be made to give you a refund of all costs including any costs or interest which has been levied by the finance company. Be tough with the finance company. Don't act as if they are do you a favour. Make sure they understand that you are not in the mood to muck around and you won't wait very long either. Don't forget that in this case because you have purchased the vehicle through hire purchase, it is Blue Motor Finance which is the responsible party. That is going to be helpful because if you had had to deal only with Chobham, you would have had very serious difficulties. In addition to writing to Blue Motor Finance to assert your rights, I suggest that you send them a copy of the article from the daily mail which has been linked above and you can draw their attention in your letter to the fact that this is the company that they are dealing with. You can send these messages to Blue Motor Finance by email. You should do this urgently. This weekend. You should also tell Blue Motor Finance that you have now taken advice and that you now understand that their initial statement that the matter needed investigation and that the dealer was going to carry out repair, is unacceptable and actually unlawful and contrary to the short-term right to reject contained in the Consumer Rights Act. Tell Blue Motor Finance that if they will not cooperate immediately in returning all of your money and cancelling the finance agreement that you will consider legal action against them for breach of contract and also for treating you unfairly country to their statutory duty under regulations developed by the Financial Conduct Authority. You should stop driving the car immediately. How far away from you is the dealer? Frankly you want to get rid of the car as quickly as possible. If you had not had finance in place then we would have cautioned you about this because you could end up losing possession of the car and also not having your refund. However, as you are dealing with a regulated finance company, and of course as the money has been loaned to you and you have not paid a great deal of it back it, your best interests would be in getting rid of the car so that it is no longer your responsibility to maintain, to insure or to generally worry about.   In addition to the hire purchase loan, did you pay anything on deposit? How did you pay? Did you pay by cash or by debit card or credit card? If you're confident then you should drive the car carefully to the dealer and leave it with them on their forecourt. Do not leave in the streets. You should photograph the car inside and out so that there is no argument later on as to the condition of the car when you returned it. If you are worried about driving the car then you should tell Blue Motor Finance that you want them to make immediate arrangements for the removal of the vehicle. Tell them that you are giving them seven days to organise this at the end of which you will charge in storage at £10 per day. This is assuming that you are keeping the vehicle on your own property and not on the road. As soon as you have got rid of the car, you should take immediate steps to inform the authorities that you are not the owner of the vehicle. Make sure that when you return the car it is returned with all its paperwork but you should use whatever portion of the V5 is necessary to transfer ownership away from you. Take copies of all the documentation before you hand them back. If you fail to do this and if the dealer does not change the ownership – then you are at risk of some other person driving it in your name and incurring penalties for road traffic offences or parking offences. That will then give you more complicated problems to deal with as you have to try and convince people that you are not the owner and not the driver of the car at the time. You should calculate exactly what this whole thing has cost you. This means all of your out-of-pocket expenses including the cost of going to see the car, going to fetch it, driving it back, any expense of insuring it or anything else because later on we will help you claim all of this back. Of course you will claim all expenses and fees et cetera associated with the finance agreement. As a matter of interest, how recent is the MOT on this vehicle? Who MOT'd it?  
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    • Please can you tell us about the car you bought - make/model/mileage/price.   What are the surnames of Nathan and of Alex?   What address are Chobham Central Motors using?   As you will see from this website and from the Daily Mail article -  Downfall of car dealer who sold death traps: Chancer forged court papers and refused to pay refunds | Daily Mail Online WWW.DAILYMAIL.CO.UK Ahmed Alwaheeb's firms sold cars riddled with faults - and which sometimes had government recall notices that required manufacturers to fix safety issues - but refused to refund customers.     You have bought your car from a bunch of dealers who don't seem to be very scrupulous about the way that they operate.  However, you have saved yourself by using a finance company.  I think that you may be the first people we have come across who have not paid cash to this company.   Citizens Advice are right that if your arrangement is a hire purchase arrangement then your action will be against Blue Motor Finance -  Home Page - Blue Motor Finance BLUE.CO.UK     Chobham used to be registered with the Motoring Ombudsman but they withdrew after some decisions against them.   The so called Motorcomplaints service which is apparently run by someone called Alex, is in fact part of the Chobham/EMC etc bunch and seems to have been setup to make customers think that their complaint has been reviewed by an independent arbiter - when in fact it hasn't.   The motor complaints service to which you been referred by Chobham and which is apparently run by Alex should not be confused with the Motor Ombudsman scheme which is a legitimate organisation although frankly it's probably not very useful anyway.   All of this has been reported to Citizen's Advice and Trading Standards many times and nothing has ever been done about them.  Even the Daily Mail article failed to prompt any authorities to take any action   Blue Motor Finance are wrong to tell you that they have to investigate first.  The dealer has no right to insist upon a repair as you have reacted and asserted your rights within 30 days of purchase.   You will have to get tough with Blue Motor and we will help you.  
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    • its an if not they def will.   then snotty letter time
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Wages paid to wrong person, how to recover them?


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Hi guys, just wondering if anyone could help me with an issue regarding my wages being paid into another persons bank account.

Background information about the problem, apologies if some of it is irrelevant;

 

- I used to work for my current employers before being made redundant at the end of last year, however a month ago positions were re-opened so I reapplied with several other people and was accepted for the job.

 

- During our induction and training we were setup with HR/Payroll accounts, however for some of us who had previously worked for the company there were issues with getting these setup. The standard login would be . however for myself I was required to use .x..

 

- Upon login into the payroll system I discovered that rather than being a fresh account everything was populated with another persons information who shares the same name as myself and lives fairly local, I believe he was a previous agent here as I recall someone who shared my name doing training then leaving last time I was here.

 

- I removed all of the information and filled in my correct details along with submitting this information, however it appears that while I submitted the information it was never saved as the system requires submitting and saving of the information.

 

- 1 day after our monthly wages were paid out I discovered that the details on my account were still this other persons and informed my manager, however as the pay had already been sent out I was told that it would have to be bounced back by the bank in question, I queried this as I could see no reason why the bank would reject the payment since I believed the details to all be correct.

 

- I have just found out today that the cash was transferred into this other persons bank account and payroll have requested that I contact my bank to see what they have to say, I am currently with Lloyds TSB and the cash was paid into a Barclays bank account so I am unsure as to what my bank will be able to do to resolve this matter.

 

Just looking for some general advice as to what I can do to get this resolved ASAP, should my workplace be able to resolve this for me or will I need to get it sorted myself, kind of get the feeling that they're not chasing it up by getting me to contact my bank. Also does the company hold any responsibility for setting me up with someone else's details, though I do appreciate that it was my failing at saving the information (however not having access when rest of people were doing it did play a role).

 

Thanks in advance for any assistance.

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Hello there and welcome to CAG.

 

The last time this happened, people here thought it was down to the employer to sort out the problem. Offhand like yourself, I don't see what your bank can do to help if the money is in Barclays.

 

I'll see if I can find the last thread, it wasn't that long ago.

Illegitimi non carborundum

 

 

 

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Hello again.

 

This is the title of the thread, started by Dorian. The last posting was a couple of weeks ago. Hope it helps. HB

 

Wages problems Employer said pay office set up wrong details

Edited by honeybee13
Missed of thread name.

Illegitimi non carborundum

 

 

 

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Hi,

 

The BACS are paid from employer's account to employee's account... therefore it is a matter for your employer to sort out...

 

They should recall payment and offer you some alternative payment until they are capable of paying your wages into your own account...

---Aut viam inveniam aut faciam---

 

***All advice given should be taken as guidance... Professional advice should always be taken before any course of action is pursued***

 

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Hello again.

 

This is the title of the thread, started by Dorian. The last posting was a couple of weeks ago. Hope it helps. HB

 

Wages problems Employer said pay office set up wrong details

 

 

link to the thread Synesthesia2 looking for

 

http://www.consumeractiongroup.co.uk/forum/employment-problems/250031-wages-problems-employer-said.html

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Hi guys, thanks a lot for the link and assistance, have just been to see HR aswell and they've assured me they will look into it further so fingers crossed for a resolution.

 

Only thing which worried me was being told that I'd not be paid until the money was recovered & the prospect of someone having spent it already, though I guess Barclays would repay my employer and then recover the cash from their client.

 

Will provide updates.

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