Jump to content


  • Tweets

  • Posts

    • 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.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Mis-sold Vehicle 18months ago


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4906 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi all,

 

Got an interesting one here. I bought a VW about 18months ago now. At the time of purchase I queried the service history as it looked like it hadnt been serviced within the manufacturers timescales. The dealer said that it had and I got him to confirm that to me in writing.

 

I am now in a position where the car has developed a fault and it is just outside of its warranty. On speaking to VW UK they advise that they would not get involved in a goodwill repair because it missed its first service interval.

 

Therefore I can only conclude that I have been mis-sold the vehicle and have solid evidence to prove this.

 

My intention will be to write to the dealer asking for a) it to be repaired at their cost - but also the service history is now worthless and also VW would normally consider my vehicle for goodwill cover for another 2 years which they will now not do due to the service history issue.

 

I was also therefore going to ask for a) free service for 2 years as service history is worthless and b) extended warranty to cover the 2 years that VW would consider goodwill for. The alternative option I would accept is a full refund.

 

My question is a) is this the right approach and b) am I asking for enough/too much or what?

 

Many thanks,

JChaplin

Link to post
Share on other sites

Another typical VW response on service history.

 

Firstly, did you buy the car from a VW dealer, second, did it have a first service and when were subsequent services? ( Date and mileage needed)

 

It would also be helpful if you could post what car, what fault and what mileage along with what has been diagnosed and by whom.

 

After 18 months, if an independant dealer you haven't a hope for mis-sold but if a VW dealer then there is a chance to get the repair done depending on what it is.

Link to post
Share on other sites

Hi there, thanks for replying so quickly.

 

So - yes I bought the car from a dealer - it is the same dealer that has now diagnosed that the gearbox needs a bearing replacing after just 49500 miles and 3 years+3 months. When I bought the vehicle a first service had been done within 2 years but was done at 31000 miles. VW UK say this is not as per their requirements of 2 years OR 20,000 miles whichever is soonest.

 

At time of purchase I raised this and that is why I have a letter from them CONFIRMING that the car was serviced as per manufacturer requirements. Without this letter I would imagine it a stretch to go for mis-sold, but with it I can't see any way out of it. They told me it was serviced properly and now VW confirm that it wasn't. Its fairly clear that not servicing on time could be considered a likely cause for early component failure.

 

Before I found out from VW UK yesterday that the servicing wasn't up to scratch I was trying for a goodwill repair based on the fact that its not fit for purpose having only done less than 50k miles and at 3yrs+2months. Now I believe the dealer is soley responsible and not only should he repair it but he should compensate me for misselling me a vehicle with a service history not as described. This is why I would also expect a service and some form of extended warranty from him as VW will now no longer entertain any goodwill repair because the first service interval was missed.

 

The vehicle is a VW Golf Plus 1.6 FSI - known apparently (ref WhatCar) for gearbox/clutch problems... As for other services, its on a long life service schedule so has actually just come up saying it needs a service. I had asked them to do it at the same time as the gearbox investigation.

 

Any further thoughts or advice is much appreciated, thank you.

 

JChaplin

Link to post
Share on other sites

I agree with helio about the time scale on this being difficult in rejecting the car under the SOGA. However, it appears that the dealer has in fact miss-lead you in regards to the warranty and you have this in writing from them.

 

I think my first letter would be saying that you have solid evidence that the car was miss-sold in the first place and that you now assume VW are also now aware of this. Detail the problem in the letter and ask them what they intend to do about it. State you would not rule out contacting trading standards or taking legal action if necessary. Give them 7 days to respond and send by recorded delivery. I'm not sure what good it will do, but send a copy to VW UK customer service.

 

Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

 

 

Link to post
Share on other sites

I don't think you will get anywhere with a claim against the dealer however you might have a slim chance with VW. One of the problems you will have which is difficult to get over is the extended service intervals. Unless it has a VW history then this could cause problems as the car is set at delivery for extended or normal service intervals. If extended then this means it has to have a certain oil for the engine.

 

The reality is that VW hide behind service intervals irrespective of whether or not it is on the extended programme or not. With the extended programme it will affect engine only. In all reality this is rubbish and perhaps a marketing ploy. You only have to look at the VW schedules to realise this.

 

Now the service schedules make interesting reading. At no point do they refer on the first service as to changing the oil in the gear box. Or do they subsequently. So the fact that the car has mistimmed it's first service is irrelevant. The only thing VW can claim under goodwill is a lack of loyalty which they are barred from doing under block exemption regulations.

 

You should address your complaint to the CEO at VW in Wolfsburg in Germany whose e mail address is readily available. This registers a black mark on VAG UK. Quote the case number VAG UK have given you.

 

For info, customer service enquiries at VAG UK are not handled by VAG themselves but is out sourced so when you complain you are not talking to VW, just an organisation who is based in Sheffield and knows nothing of what goes on in the real world. In fact I would go so far in alledging that they get a bonus for how many claims like this they manage to fend off!

Link to post
Share on other sites

But it wasn't VW which 'mis-sold' the vehicle helio, it was the dealer. Under SOGA your contract is with the seller, not the manufacturer.

 

Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

 

 

Link to post
Share on other sites

All,

 

Been in touch with the dealer today as I thought I'd give them the opportunity to address this before putting it in writing to them. Once I'd emailed them a copy of the letter I had at the time of sale saying it was serviced as per VW standards they immediately agreed to fix it for free. I've asked them what they're willing to do about addressing the lack of proper service history that the car was supposed to have when i bought it so it will be interesting to see what they come back with.

 

Thanks for all the advice, I'll update as and when I know more but so far a good outcome.

Link to post
Share on other sites

Sam,

 

It was bought from a VW dealer as I interpret it who represent the brand and have to abide by standards set out by VAG UK and VAG GMBH. The problem in the UK is VAG have for some years sub contrated out the customer service department to an outside co. who frankly are a bunch of numpties and the only way to by pass it is to get a complaint into VAG GMBH, especially Herr Winterkorn, as it logs as a black mark against VAG UK. That's when you start to get some sensible action from VAG UK.

 

In the words of Corporal Jones, they don't like it up em!!

 

Incidently, this is a clear case of goodwill and the extended service interval is only suitable for cars which spend their time on motorways. It should be removed from used cars as is a pain in the arus!

 

Merry Christmas oder eine Gutes Weinachtestag!

 

Gruss!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...