Jump to content
  • Tweets

  • Posts

    • Hi All, before I start I know there are similar threads of the topic I am raising, and each, of course, has its own unique scenario, which may benefit others. My case is as follows: 1. I saw a gumtree ad on the 16th of Oct 2020 for a Mercedes E220 CDI, priced at 7,500 2. I called the seller and said I will come over on the 17th of Oct 2020 to view. 3. On the 17th of Oct 2020 I went to his place where he is working and viewed the car. He is working for a major car rental company. I checked the car and of course asked the normal things to ask e.g. any insurance write-offs, loans, accidents, etc. The seller said the car is clean etc.no loan, he had a loan but all is paid off etc. and he has the papers. 4. I negotiated the car price to 6,800 because the rims were showing some signs of damage, the rear light had a small burst, cosmetics, etc. I checked all but did not see any sign of damage to the car (it's a black car, the car was a bit dirty, and the sun was already setting in) 5. We agreed on 6,800 and decided to purchase the car. We went into his office, where I paid cash, and also got a Car Sales Invoice with all details of the seller, and a V5C green slip 6. I purchased car insurance and drove off. I asked him about Road Tax and he said Road tax is paid so I have not to worry, just need car insurance. 7. On 18th of Oct 2020 I cleaned the car interior because it was really dirty inside - it took me a few hours so decided to clean the exterior the next day 8. On the 19th of Oct 2020 I went to clean the exterior and after the car was clean I noticed some parts were resprayed. I became a bit suspicious; so on the 19th of Oct 2020 in the eve, I went on the internet and run an HPI check. The outcome from the HPI did not show any accidents, insurance write-off but an outstanding Loan with Moneybarn. At this point, I thought maybe the database is not updated, etc. 9. On the 20th of Oct 2020, morning, things were going through my mind; the seller said the car is clean, no issues, no loan since he settled all etc. but the HPI reports say there is still some outstanding loan. So what I did, I called Moneybarn, and explained the situation, and gave them the contract number as well (since it was displayed on the HPI report). They said they will send me a form by email, but they cannot share any information due to Data Protection (GDPR). fair enough I thought, but what made me boil, they said they OWN the car! So, I took the car and drove to the seller where he is working. I confronted him. He said don't worry, I will handle it, he has no time, he is very busy and bla bla bla. I said what reasons do I have to trust you, you lied, and now you say you still have a debt, etc. So I said I will not leave until he has settled the debt, or repay me my money. I also asked what is outstanding, he said around 7,000. Well, since I confronted him at his workplace he may have felt the heat, he assured he will settle all soon, I said sorry, I need a date, so I said you will settle the debt with Moneybarn by 23 Oct 2020, if not, you will refund me my money. He said Ok he will do it, so I said, since I don't trust you, you will sign a piece of paper, and sign it. On the paper, he wrote "I will clear the debt for the Mercedes by Friday" and signed it. I said I am not happy and added the debt details with contract number, and also a clause that if he fails to settle the debt with Moneybarn by Friday the 23rd of Oct 2020, he will refund me my money, 6,800, and sales of the car Mercedes, license plate, will be void. Also, I said to put an initial on each amendment I made with signature. He did, and I left. 10. On 22 Oct I sent him a message, to remind him to settle the debt by Friday 23 Oct 2020 noontime and also I outlined some legal jargon I had to sent that I received from citizensadvice. 11. On 23 Oct, morning time, I received a message from the seller, he said he will not/cannot refund me the money, not to visit him at his office or place, and that he feels threatened by me. 12. Now, the dilemma/headache; a). I received the form from Moneybarn on the 20th of Oct 2020 and I have to send it back within 7 days b). the seller send me a message he will not refund the money c). is the seller holding the title with Moneybarn or did he also buy and not knowing there is an outstanding loan on it d). did he sent the V5C to DVLA since I have the green slip? e). Shall I fill in the form and sent it to Moneybarn? f). If Moneybarn has all my details they may send someone to repossess the car? 13. I decided, I will not undertake anything yet, because my mind said, go there, confront him, park the car in front of the company since I purchased it there and signed all paperwork in their office, they will call the police, the police will come and surely will not do anything but will force me to remove the car and park somewhere else, record all on camera, take all evidence, sent to Moneybarn and at the same time to the seller's employer (when I asked him to sign a letter he will settle the debt by Friday 23rd of Oct 2020, he used a paper of the car rental company, and on the back, the logo of the rental company is displayed clearly and he may have acted on behalf of the company to sell me the car, after all, I don't know if he holds the title with Moneybarn - well, this is an excuse for me to even sue the car rental company, or blacklist him with the company he is working for since it seems he is some type of manager there and he may have acted in the capacity as a sales person to sell the car to me on behalf the company....). 14. So on the 23rd of Oct 2020, I didn't do anything like described under 13....it's not my style as such I called AWH solicitors, explained all, and they said one person is specialized in dealing with such cases and will call me back after studying my case and inform me if it is something they can fight or not. So they will call me Monday the 26th of Oct 2020. I also said I want to go now and confront the seller, but she said better wait till Monday, and if they can fight the case, they will tell me the next course of action - but my funds are limited and cannot afford a lengthy battle, because if no case against Moneybarn means I will have to sue the seller to the court which will cost me. The car has comprehensive insurance and with all this saga I added on the 20th of Oct 2020 also legal insurance on top. Lengthy story, but I am trying to be as detailed as I can, and yes I should have done an HPI before buying the car, but I am from Holland and car sales work there a bit different, and this is my first time I buy from a private seller. Well, once I have sent the form to Moneybarn, I will park the car in a garage, and at this stage, I am renting a room in a house (there is one more tenant). Since I am from Holland, I am planning a trip within 2 weeks to visit my family and I will drive down with the car and in the meanwhile wait if the solicitor can be of any help. I need some advice though, I am still planning to drive down to the seller on Tuesday after I talked with the solicitor, park the car in front of the company, and confront the seller, and try to record all. I will also try to make him sign a letter that I purchased the car in good faith from him (regardless if he holds the title with Moneybarn or not but at least I purchased in good faith from him). Evidence that I have: 1. Car sales invoice 2. Paper that I made him sign 3. Gumtree ad; I could retract this from google history, but the original add removed from gumtree. At least I can show it was advertised 4. I tried to create a history of past owners, total owners including me are 5. It seems the car was also posted on gumtree before by a company in Essex (I saw on google). The reason for doing this, it is very likely that the seller purchased the car from someone else with an outstanding loan. Since then I read a lot on the internet, so please any advice is welcome to pursue my case, I paid a lot and at least I want my money back. Also what I read so far, Moneybarn is not easy to deal with...thanks in advance for any advice I can use for my case.
    • Hi   I think you need to check not just the serial number but what Meter Point Reference Number (MPRN) as the MPRN is what is registered and energy supplier go off as well as the serial number.   So you need to see what the MPRN is as well as the energy supplier it is registered with.   If you look at this Ofgem link: https://www.ofgem.gov.uk/consumers/household-gas-and-electricity-guide/connections-and-moving-home/who-my-gas-or-electricity-supplier   In the above link to do this check it gives a link to:   Find My Supplier: https://www.findmysupplier.energy/webapp/index.html (note you may have to complete a captcha, then input your postcode only and click find my address, when the list comes up click on your exact address, you will then see you actual MPRN and the energy supplier linked to your address)   With the above make sure and take the details of the MPRN and the Energy Supplier, better still take a screenshot/pdf the webpage.   Please let use know if on doing the above it matches your current supplier?  
    • I had exactly the same issues.   Grossly over estimated bills from January onwards.  Despite what they claim, they are effectively taking an interest free loan from their customer base to keep the company in business.   They can dress it up how they like.  It’s irrelevant if they reconcile the bills the following month because they just over bill again thus keeping a rolling interest free loan.   it took two months of constant badgering to be finally moved to a fixed DD.   Once that was done I didn’t care how much they over-estimated by.   I had raised a query with the ombudsman over the billing fiasco and they readied a complaint should I wish to proceed.   I thought everything was sorted until May/June whereby I was allegedly more in debt then I was expecting to the tune of an extra months DD.   On querying it, it transpired that even though I was on a fixed monthly DD, because the bill was generated less than 5 days before the DD was due to be taken they didn’t take the DD.   They offered £5 compensation by way of apology but wanted to take two months DD in June.  I told them where to get off.   With appalling customer service,  bills that you need a Maths degree to follow, and I do have one and still struggled, inability to follow through on any agreements, constant gross over-estimation, the missed DD was the final straw and I proceeded with complaint to ombudsman.   Prior to getting to that stage I had to quote Symbio’s own complaints procedure to them to get any sort of response.   Their final offer to me was £25 goodwill and to waive an exit fee. The offer was derisory given the time it had taken to get things sorted and the continuing ineptitude.  Also, the whole thing has dragged on so long (5 months) I was already in the final 49 days of my contract and therefore there were no exit fees to pay and therefore nothing to waive.   Anyway, upshot is, ombudsman found in my favour.  Ordered an apology and a goodwill payment. Symbio appealed but were told the decision stood.   This week I received the goodwill payment.   I promptly left an honest and truthful review on trustpilot.   The next morning I received an email from Symbio with an apology.   This was followed an hour later with an email from trustpilot saying Symbio had replied to the review.  On reading the response they have accused me of not following procedure and of cyber bullying.   The company is a complete joke.
    • why not simply tell you supplier they have the wrong meter number you been paying for usage , and ofcourse you can view this online too so its not as if you'll owe anything you might get a nice surprise and find you are owed a refund.
    • The world of ballroom dancing went online to cope with the pandemic restrictions, but what does the future hold? View the full article
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
      We had a 10yr  finance contract for a boiler fitted July 2015.
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
      You only have to look at TrustPilot to get an idea of what this company is like.
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

Please note that this topic has not had any new posts for the last 3766 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi my first post woo!,


I will try and keep my story short and simple! I'm in need of some advice regarding my car and the dealer!


I passed my test a few weeks ago and in all the euphoria I went ahead and bought a car (Ford Focus Zetec 1.6 2002) . I went with my cousin who was more experienced, we had atest drive all was well, tried a few features air con, windows all working fine. It has pretty much 12 months MOT and has been serviced recently. It also has a 1 Month Warranty starting from day of purchase 15th June. Only thing that we thought wasn't fine was the key Fob which would unlock but not lock the Car. This was due to the battery we were told which sounds right. Told to come back on the Saturday to get new battery installed as agreed on final payment and receipt.


I didn't bother driving the car from after the day of purchase (Tuesday) till the day to collect the battery and on the way I was going to Re fuel for the first time so wanted someone with me. Any ways I try to open the fuel cap at the safety of my home and find I cant unlock using the key. I take it to the dealer/garage who open it via a screwdriver tell me to fill it up and return so he could close it. Then asked to give the car during the week where they could fix the oil cap lock so it only required one key as normal. At that stage I found another issue which was that my key can only manually lock the car but not unlock. They said they would look at that too.


On the 25th June I went and delivered my car, again explaining my problem as they seemed very unprofessional in keeping track of what's happening. Apparently the Cap lock problem was fixed on the day which they then said its ok to pick up, but I then mentioned if car locks/battery issue was fixed they told me to call up and check up tomorrow. I did and was told it could be a worn key and said should be fixed by Tuesday (Today as of Post), I told them if it took a week I wouldn't mind . I call up today and they say that they haven't worked on it today as they thought I said I didn't mind a week which is true but surely they can give me an estimate to when it should be fixed?!


The previous times I called they assured me they would call back but they never once have and I have to do all the chasing. Am I doing this right or am I begin taken for a fool?


The warranty runs out on the 6th but surely they will keep it until they fix the key issue or lock?


I only have the one key as told originally, so am I right to expect that key to work without faults or as its a 2002 model to expect things like this to happen? An assistant there also said she had a second key with my Car Reg number stuck to it which she tried to open locks/ start engine with but it didn't work, which surely again made me think the place was very poor! I have heard good things about the place too!


For my first time car it feels like i'm being scammed when i'm probably just being paranoid and inexperienced in how these things work. I want some reassurance if there's something maybe I should be doing or should do if they still haven't fixed the car by the end of the week.


Thanks, any advice and help would be welcomed!

Link to post
Share on other sites

Welcome to the forum Anis. First thing is to forget about the warranty, it doesn't mean a lot and doesn't in any way reduce your consumer rights.


Your best bet here is to take a letter giving them until Friday to have the car fixed and ready for you. You should mention that your will be taking the car fixed or not and if the defects haven't been seen to, you will take it to the Ford dealer and send them the bill.


You could also mention that you expect your statutory rights and the warranty to begin when you pick up the car and not from the date of purchase.

Link to post
Share on other sites

Thanks for the reply Connif, I’m sorry I haven’t replied earlier as ive had a stressful day at work.


You give sound advice and appreciate it but do you think I should give them tomorrow(Friday) as agreed via phone to see if they have fixed it. I say that as they sound like they want to help but seem very slow to react to this issue. I guess its too late to make the request to either have it 100% fixed or get fixed elsewhere and send bill for Friday.


Can I still apply this if they haven’t fixed it tomorrow and set a new date for it to be fixed with what you advise? As they are a quite a bit away I was going to call to see what has happened as they keep saying they will call when done. What would you suggest is a good way to make my point across? Sorry if its a simple question but I am very weak at being firm in these situations and any help of what I can say to maybe be more assertive of what my rights are.


Can I over the phone make them aware of my intentions just like a letter and hold the same value?


Again thanks for your reply.

Link to post
Share on other sites

Yes, ring them tomorrow to see if the car is ready for you. I think it best now to wait until you have rung them and come back here with what they say and then we can go forward.

You will still be able to give them a deadline to repair later depending on what they have to say tomorrow.

Link to post
Share on other sites

I can tell you what all of your problems are caused by if you wish. The key youve been given only works in the ignition because the ignition has been replaced at some point. All ford keys will lock any ford car but not unlock it. THis explains why your key wouldnt work in the locks of fuel cap but only the ignition.


They need to get a correct ignition barrel sorted at ford that is matched to your the original car key or change the rest of the key barrels or you will need to use 2 keys if you need to operate the locks manually.

As an aside check this car is not a cat c or d write off by way of a HPI check

Link to post
Share on other sites

Sorry for delay as you will know why when I get to the end!



Well they called up today and said they fixed it all! So went to check up and sure enough they kept to thier word. Thanks for your help guys I do feel I would have kept at this if it wasn't resolved.


Intresting flub1976, they have HPI checked on all cars they buy and sell, I did ask for the report but forgot after all this fuss. I have received the key which looks like not much has been changed! The key does now correctly unlock too aswell as the the fob!


All great eh! ... Read on :(


Having had a few stresssful days I was excited when i received the car, drove home and what do I go and do! I turn in too short and scrape car against my wooden fence! not much comsetic damages but i then getting hot and bothered tried to reverse out and take out my left mirror. All my fault! Feels like such an Anti climax having just fixed one issue to needing another! Thankfully next door neighbours are very helpful and have a few mates who may fix for cheap.


Really affected my confidence too having only driven 3 times short distances to get the car to garages which I did pretty well with no confidence issues. I don't know what it was all I needed to do was take my time, and just think! But my brain didnt function! Only passed a few weeks ago so got to get out and get used to the car size!


Sorry to go off topic :( maybe something you can take pity or laugh :p at me.


Il definately keep posting and reading this forum to make a wiser person! I have some repayment issues regarding Sky which i might need some help on later :p on correct forum ofc.

Link to post
Share on other sites

Have a look in the scrappy for a new mirror, or if it's just the glass, Halfords has practically the full range and much cheaper than the main dealer.


It's nice that you can laugh at yourself though I expect that isn't what you felt like doing at the time. It's a good reminder that now you have your license you can start to learn to drive. Drivers who have held their license since Jesus was born have done exactly the same thing.


Anyway, well done on keeping this going and getting a result.


As for Sky - Ida from Fife is the expert there as she works for them so you will get good advice there, she is not biased in their favour.

Edited by Conniff
Link to post
Share on other sites

See not all used car dealers are so bad! Dont worry about an accident or two they happen and you learn from them. The mirrors for the focus are about £20 new from Andrew Pages or similar auto factors and the colour coded part will swap over.


Go out with your mates have a beer, laugh at yourself and enjoy motoring!!! A road trip to newquay with a tent and a case of beer at 17 did me the world of good.

Link to post
Share on other sites
Go out with your mates have a beer, laugh at yourself and enjoy motoring


But not all at the same time. :)

Link to post
Share on other sites

Thanks for the comforting words, means alot! :)


Thank you both for info about mirrors means it shouldn't be as hard on the wallet as i thought it might.


flub1976 Yes you are correct there are garages out there who have it in thier best interest in helping customers and then those who are forced too due to rights.


I feel this garage did eventually live to my expectations of being honest guys, for those unexperienced or with less brain power e.g me can find these situations hard to deal with while others may have it under control and handle it better. I learnt from this thread that just warranty isn't all that! Will take that in mind for my next car, hopefully I don't kill this one anytime soon! If only cars had feelings mine would have had me put in jail for the pain it has already suffered :eek::eek:.


"As for Sky - Ida from Fife is the expert there as she works for them so you will get good advice there, she is not biased in their favour."


Thanks will welcome advice from someone with knowledge within!



"Go out with your mates have a beer, laugh at yourself and enjoy motoring!!! A road trip to newquay with a tent and a case of beer at 17 did me the world of good. "


Yes need to relax, work getting stressfull and this didn't help! Im sure i'l start to enjoy the car eventually! Sorry I seem to put alot of !!!


"But not all at the same time. :-)"


Great advice :p


Thanks again, have a nice weekend!

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...