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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 that way you do 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 you are 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. 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 the 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 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. 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 trying the car then you should tell Blue Motor Finance that you want them to make immediate arrangements for the removal of the vehicle. I was given 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 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?  
    • Brexit = United Ireland within 20 years.  Arguable possibility.    
    • 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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Was I too Late Leaving BT? Do I Have To Pay The Penalty?

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Hello. Hopefully someone will be able to tell me if I will have to pay BT nearly £100 for the privelige of saying goodbye.


I recently changed from BT's Unlimited Anytime plan to the Post Office Homephone. I had been on this plan for a couple of years before I decided to change to the P.O. after taking advice from Martin Lewis' site.


Towards the end of my latest contract term BT sent me a letter saying that I would continue to stay on the plan, and I would start a new twelve month contract unless I told them otherwise by 17th June (the date my contract ended).


Unfortunately due to a bout of illness in my house (two sons and then my wife all fell ill within a two week period, so my mind wasn't on my phone line, as you could imagine), I didn't get round to cancelling the contract before the 17th. I applied to the P.O. and informed BT of my intention to leave them via their website on the 24th June.


At the end of BT's letter they state "Once your contract is renewed, you won't be able to cancel it before the next renewal date without incurring termination charges. If you do decide to end you contract within the 12-month minimum term, you will incur a single charge of £8.00 for each month left of the minimum term."

Interestingly in the small print on the back of this letter there is this sentence: "Nothing in this publication forms part of any contract".


Today I received a new letter from BT saying that they estimate that I will need to pay £89.07 in termination charges, and that my final bill will show the exact amount when it arrives.


So, was I too late? Do I not get a cooling off period on the new contract? If I have to cough up then fair enough, but I'd rather not, obviously!


Any help or advice would be much apreciated.

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Yes. ypu're too late - as you need to give notice BEFORE the anniversary date. To be fair on BT, they did inform you at the start, and again at renewal. Whilst you may have a valid reason for not doing it in time, this won't make much difference as the calendar is king.


Similarly, you're not entitle to cooling off on an old contract, all that changes was the reimposition of a rolling term lock in, the contract was unchanged. Do remember, the quid pro quo for this was you got free evening calls for agreeing to the lock in. If you took only free weekend calls, then the lock in would not apply, and 30 days notice would have been sifficient. It is a carrot and stick approach, you took the benefit, and now have to pay the price. Incidentally, MSE do repeatedly warn about thew early termination problems and warn repeatedly, so even if they recommented switching to the PO, there is little else you can to.


OFCOM have stated recently that they are limiting these lock ins to £5pm for any unused commitment, so you've actually already benefited from the new reduction, and have saved quite a bit on the full monthly cost they would have charged you previously.

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