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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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Is this valued correctly? Am I being fussy?


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Hello All

 

First time poster, glad such a forum exists, willl be one of my dialy reads from here on!!! AWESOME

 

My issue is as below, if I can get a view on what my options are?

 

I bought a laptop from PCWORLD in Staines in Aug 2011, my criteria was backlit keyboard, dedicated graphics with HDMI and the fastest processor possible which was the i7, so I found the HP Envy 14, 2002EA very appealing.

 

The sales guy asked me " So why the fastest processer, what you going to be doing on it?" so i expalined its for work and I dont like a slow laptop, " ah right, so business use?" to which I replied "Yes" so instead of the Club insurance I got the Premier Insurance at £14.00 a month, the reason? well if your laptop goes away for repair you will get a loan! That was the selling point of the "Premier"

 

Laptop worked nicely, until May 2012 when it gave off a horrible burning smell, went in for repair to be picked up Saturday, "we dont have any loan but can put you on the waiting list.." Is what I got when I mentioned. Needless to say I did not receive a loan and the laptop was away for 8 working days rather than the 5 promised.

 

Laptop came back repaired worked for 20 mins and burnt out again, so again no loan to give to you sorry sir, will put you on the waiting list, by the end of the week I had not heard back so I went and bought a new laptop as I needed one.

 

Eventually they wrote off the HP Envy, gave me the voucher code popped into the store and they had matched the specification and offered me another HP, which turned out to be an i5, priced at 499.99. You can imagine my reaction to that!!

 

I questioned this as mine was an i7, anyhow alot of time later and many phone calls it transpired that the INTERNAL PCWORLD website had the incorrect specs so they corrected their mistake and offered me the cheapest i7 priced at 799.99. It was a Toshiba it looked nice so I took it, however the speakers popped on this machine so I have just returned it today.

 

After thinking it over and using the not so good toshiba I started to feel extremely angry so glad I was able to return that however now I have 799.99 on a gift card I am out of pocket by 1100-799.99= 299.00

 

and also the 10 insurance payments of 14/month =£140

 

Now since HP provide a years manufacture warranty, why should the customer have to loose out on a 1/4 of the laptops value? I feel very very angry now considering I have 7 warranty/insurance agreements with them.

 

again I will be looking to possibly cancel all of them if i do not get anywhere, so far the Staines manager has offered to ring up head office and see if they can up the voucher, my local Slough store were not even willing to do this. Again no promises.

 

If the store can not get anywhere, where do I go next?

 

Thanks for reading and apologies for any grammar, spelling its late and I am not happy

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wy buy any extra warranty / insurance

 

WASTE of MONEY

 

SOGA covers everything and MORE for FREE!!

 

pers i'd reclaim the usless insurance.

 

as for the LOSS of what you paid as to what they are offering.

 

its spec for spec, not a monetary comparison sadly.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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to be honest I dont have the time, I have it for the ease of it and since the kids use a few of them they do tend to go wrong after year 1... hence the insurnce.

 

anyways definitely going to be cancelling it tomorrow, EVERY POLICY!

 

Please elaborate on the " reclaim the useless insurance"? how they state that the laptop was written off by our insurers, so basically I invoked the claim etc so i used it

 

and when you say spec for spec, do you mean the main core specs or down to the nitty gritty as my main reason was the backlit keyboard as i type alot in the dark, now at 799.99 no laptop has that spec

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the laptop went wrong, under soga it should be repaired or replaced or refunded.

certain 'rules' apply

 

but soga invalidates the need for most extra insurances/warranties.

 

as for any warranty, that is on top of your statutory rights under soga

 

the only need for insurance is that of the commission the salesman/company get

from selling it.

 

there was no need to envoke the insurance as it should be all done under soga.

 

for free

 

i'd specifically ask 'what' benefit the insurance is to you, when it's obv a clear soga case

 

as for reclaiming it

 

well thats another matter, but the insurance iis obvnot needed

in this case and in all intents is useless bar lining their pockets

 

you might have to swallow the fact of no illuminated keyboard

unlesss you identify a second hand model and demand cash to buy it.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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id argue the case over the backlit keyboard theres a few models that have it i beleave and i would argue its part of the features of the model

Edited by labrat
  • Haha 1

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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I agree with Labrat, If you are making an insurance claim, tell them the back-lit keyboard was a required feature, and as such you require that on the replacement. Insurance companies use the "like for like replacement" to give cheaper computers as time goes on, so you use it to get the best you can :).

 

Insurance is only good in case of an accident, so if you wanted that cover I find it cheaper to get my laptop adding to my home contents insurance. Other than that it sands like your troubles were a SOGA issue anyway, and if you didn't have insurance these faults should have been repaired (unless it was misuse by your kids)

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

If you can't donate, please use the Internet Search boxes on the CAG pages - these will generate a small but regular income for the site

 

Please also consider using the

C.A.G. Toolbar

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You are of course correct, misuse is the wrong word.

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

If you can't donate, please use the Internet Search boxes on the CAG pages - these will generate a small but regular income for the site

 

Please also consider using the

C.A.G. Toolbar

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