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    • Morning dx, Doc1.pdfStarted early to scan, the first 18 pages I have scanned which is covering letter and witness statement MK1.   Have a nice day. Regards  
    • We all saw this coming. The start of curbs on the Electoral Commission for daring to investigate Johnson's financing of the Downing Street flat refurb and Vote Leave's referendum spending.   https://www.independent.co.uk/news/uk/politics/electoral-commission-boris-johnson-flat-b1868407.html  
    • Here's Chris Grey's blog on Brexit for June, with thoughts on matters beyond the headlines and bluster.   Brexit & Beyond: Johnson and, um, integrity CHRISGREYBREXITBLOG.BLOGSPOT.COM In my previous post , I argued that I did not think that Joe Biden’s intervention, for all that it was reported to be diplomatically forcefu...  
    • thanks Dx. Yes I am having a look at other threads as well.  
    • 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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Arnold clark - The shark strikes again

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I had a CRV which due to high running costs I decided to trade in,

(SMO4 BJE , 60,388 mileage , 04 reg)


After looking at several cars I went to Fiat AYR and decided on a VW Golf 1.6 FSI ,

(5 door, 04 Reg, 63148 mileage, )

initially when we went in the price we saw on the website was lower than the price in the showroom, we advised we had been to kilmarnock who offered a trade in of our CVR of nearly £5000, but the car we looked at meant we would have to pay £488 difference, we advised we only wanted to pay a couple of hundred pounds or ideally just do a straight swap, after various discussions we eventually agreed on a straight swap of my CRV for the golf, we just had to pay the road tax.


The deal was done, we were to collect the car in a few days time,

Long story short - within the next 2 months the car was back to the garage 5 times for faults with brakes and engine management etc

anyway they have now agreed we can either swap our car for another similar one (although they have nothing in books around same price as origianl so this is a no go) or we can get a refund


refund is £4500 & £85.25 for the road tax as per the paperwork??

My problem is that as it was a straight swap and no money exchanged hands, the paperwork which states £4500 & tax is incorrect.At the time we took the car this wasn't an issue as it was a straight swap and I had no intention of returning the car.


Firstly my CRV is worth more than £4500 as we were even offered more than this for the initial trade-in when we went to both kilmarnock and ayr branches.


Secondly the Golf was advertised at around £5488 but the website stated £4988, they then agreed to honour the website price as it was still advertised, and then we reached a deal to do the straight swap of cars.


So I have no idea where £4500 came from and why this amount is on the paperwork, this could have been done to make the branch paperwork look better for head office or for some other reason but these amounts have been falsified and should not be showing £4500.


Manager is adamant this is all he will refund us, so after a heated conversation with him today, he advised me to speak to customer services again.

So I called and spoke to Graham at customer services and he said the same as Mark and wouldn't take into account what I was saying, he advised they will always side with their branch and stand by the fact they will only refund £4,500.He said my only other option is to seek 3rd party legal advise on this matter.


I went back to customer services again today to get a manager to call me , but I didn't get any call back . surprise surprise ..


what my argument is, is the fact that £4500 never came into the conversation when we signed for the car, technically any amount can be put in the paperwork as no money was to exchange hands and no balance was to be outstanding, so based on this and further proof I have collated I am not accepting a £4500 refund.


I have proof that £4500 for a 04 reg, Golf, 5dr with 63148 miles is a fictitious amount,as they currently have a 3 door Golf FSI, 04 reg with 62.772 miles on website at Kilmarnock Queens Drive, for £5988 and that's for a 3 door not 5 door.

so how can the car I bought be £4500, that would mean a similar car that you are currently advertising, with similar mileage and same spec being discounted by £1488 !! which is not possible (and that's not even taking into account my original car was a 5 door)


I have also looked at several other websites for prices of the same Golf and they are ranging from £5495 - £6000 for the exact same car, same reg, similar mileage etc

Even Glass's guide is stating a dealer retail price of £5600 for 1.6 FSI Golf and I know this is one of the companies Arnold Clark use to price their cars.


I have also looked into the trade in for the CRV - Glass's guide states over £5000

and WHAT CAR list it as £5230.

so where does £4500 come into it????????


what a bunch of xxxxxxxxxx, they end up with my old car which is now sold, making a tidy proft there and i get offered a ridiculous price .

now emailed sales director to see what he can do ...............fingers crossed

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Write Heather Clayton at the OFT. Tell her that you know that there have been numerous complaints about this company, which makes it within the scope of the OFT. You are reporting under the new car dealer regulations of 2010.

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On second thoughts, don't be too hard on the old bugzer, his profits for 2010 fell by 31.7% That was a drop of 23.4 MILLION from 73.9M in 2009 to 50.5M in 2010. He really is having it tough.!!!!!!!!!!!!!!!!!!!!!!

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I wouldn't mind betting too that these profits are off shored like Vodafone as well thus denying the tresuary and the public of much needed funds. How the hell AC has not been subject to an official public investigation defeats me given the level of complaint seen alone on this forum.

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Good point Heliosuk. As you know, i am presently thinking of changing my car. What possibly needs looking at is Clark's position in relation to the Monopolies Commission work. In some areas, and mine's is certainly one, it is becomming increasingly difficult to find certain marques, which are not franchised by A Clark. Only SEAT and FORD, in the popular car section, are independently represented here, both of which are struggling i think.

Because of his rapid expansion, there is little choice for the car buying public.----Monoply???????

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