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    • Not sure if the above issue is covered in this group but if so I am after some advice.   My Dad is in his late 90's and on his death leaves everything to my Mum, also in her 90's but housebound. It is our intention and the request of Mum that when Dad has passed that the property she is currently living in is sold, we sell our property as well and we purchase a property with an annexe and self contained toilet / shower facilities where Mum could live out her days with us. There is no way on this Earth that she would go into an old folks home and it's certainly not on our agenda. Our daughter is their registered carer who currently looks after them.   Mum's Will as it stands at present states that I inherit her estate on her death.  She is talking about transferring the property she  currently resides in to me so that I can handle the sale of both properties. As her Will currently stands, the property she is living in will have already been sold so the Will won't be applicable. Could she change her Will now to state that on Dad's passing her property passes to me or can she gift the property?   The simple thing would be for Dad to change his to state that the property transfers to me but he is currently suffering with dimentia. He hardly knows what day of the week it is and gets very confused and agitated.   Any advice would be grateful. Thanks
    • One very useful admission to obtain from them in a recorded call would be to get them to admit that they hadn't informed you in advance as to the cost of the car rental. So for instance – "I'm just calling to find out what the cost of the car rental is because when you first approached me, it wasn't explained. I'm just want to find out so I can start arranging to pay how much I owe you." Something like that. The point is somehow or other to get them to acknowledge that they hadn't told you the rate at the time. It's an implied term of any contract the services that where no price has been agreed – then a reasonable price will be implied. Clearly you are not being asked to pay a reasonable price
    • Just to add, if you can start recording your calls then telephone conversations might be very useful because you may well be able to steer the conversation into some useful admissions. For instance, you might be able to get them to refer to the earlier conversations and what was said in them. This kind of thing would be gold dust. I think you can see that you have been tricked by aggressive salespeople – and it's up to you to start becoming a bit aggressive and assertive – and tricky – yourself.
    • Also, SAR to everyone else. I've already asked you to do this on the other thread. Also, no more phone calls unless you have read our customer services guide and implemented the advice there. Follow the customer services guide link or else click on it as it passes through the running banner at the top of the forum page
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
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      Many thanks, stay safe and have a good Christmas!
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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Smelling a rat-Sytner Audi

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My husband bought an Audi TT on finance from cargiant in April '12.

I am the second driver on the insurance policy.


Cargiant talked us into buying their warranty and told us that it would cover anything that might happen with the car in the first 12 months.


In September, the engine started shaking, we were both in the car, had to drive it to the nearest petrol station and call the AA.


The AA guy did a quick diagnostic and said it was a faulty camshaft position sensor.

He also said it would be the best thing to take the car to an Audi outlet for repair,

so we searched for our closest Audi branch in London, which happened to be a centrally located Sytner.


(The warranty sold to us by cargiant of course excluded the camshaft sensor.)


We went there together, were promised that they would fix everything very quickly by a slimy salesman called X,

who clearly had pound signs dancing in his pupils when he found out our address.

I said I would leave my contact details as it is in general easier to reach me as I have a flexible work schedule and hubby is at work a lot.

I did specify that I wasn't the reg. keeper of the vehicle.


A week or so later, I was told it wasn't the camshaft and that they'd have to run another diagnostic which would cost £750. I said ok.

They didn't know what was wrong for a few more weeks,


then X called and said the cylinder head on the engine was broken and that it would be easier to just get a new engine

and that because it was a mechanical fault which hadn't been brought on by incompetent driving or anything else Audi would cover 100% of the costs.


The cargiant warranty people said yet again the warranty didn't cover the engine.


A while after that, hubby&I decided to pay Sytner a visit as they still hadn't done anything, and were told by X that he had 'bad news'.

The news was that all of a sudden, Audi had decided to cover 30% of the costs and we'd have to pay the rest, ie £5000.


We never saw a written document stating the cost for parts, labor etc.


My husband then called his finance company, and they in turn called X, then called hb back, saying that they had been told we'd have to pay £2400.


X called hb and huffed and puffed defensively and angrily said it wouldn't have been necessary to call the finance company.

Again, nothing happened,


after waiting 2 months we got our courtesy car just because I screamed in the Sytner office so much they decided it would be better to get us a car pronto.


I spoke to the manager and told her about the ridiculous customer service they had,

and she agreed to deal with the case, but she dropped it after a while and transferred it back to the slimy incompetent X.


None of the people I dealt with at Sytner ever bothered calling regarding the warranty, I don't know what they get paid for.


Again, the finance company called and said they'd been told we would have to pay something over a thousand pounds.

So there still was a discrepancy over the amount owed.


They finally finished working on the car, but X called and said the timing belt needed changing (as if they hadn't been able to see that straightaway when stripping down the engine)

and that it would cost another £2050.


I am totally furious as there is an obvious [problem] going on!


This is so dodgy it's unbelievable!


Sytner never showed us a document of any kind, or an invoice clearly breaking down costs, nothing!


How can a legit dealership treat their clients like that?


What are we supposed to do now?


There is no way I'm lining X's slimy disgusting pockets with money!

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cancel the finance


send the car back to the dealer


its failed under SOGA.




dont pay a ruddly penny for


and i'd demand all your payments back too.


the finance company are equally responsible

you paid for a worthless warranty.





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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I have to agree with dx. The warranty, like 'all' car warranties is not worth the paper it's written on. How the hell can you say the engine isn't covered, the engine 'is' the car.

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Thanks for the answers. :) It does seem like the best thing to take the car back to the dealer, but that would be cargiant, so what should I do about the Sytner fiasco and the fact they are trying to get as much money out of it as possible?

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ah ruddy car giant.


let them settle the sytner bill.






reject the car and get your money back


go into cargiant and make a big schene.



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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Thanks again :)


Thing is, I'd still like to keep the car, after all we've bought insurance for it, and road tax, and it's quite new on top of everything else. I know that cargiant are w*****s, but in this case I find Sytner to be much much worse, because they lied many times over and it has been excruciatingly uncomfortable dealing with them. Actually, the experience was a bit like visiting an Arabian souk on your own lol.

As I was saying, I have yet to see a written invoice, which is just plain ridiculous. I know they are covering something up because a price cannot be one thing and then half of that the next day. It's pretty obvious the guy at Sytner wanted to pocket £2600 for himself, it doesn't take a genius to figure that out. And he's still not giving up! The goal now is to shut Sytner up for good and charge us for what we actually owe, not five times more.

Well, if all else fails, making a scene is my specialty, and I have a voice to put any heavy metal singer to shame, so whoever gets the treatment will walk around with permanent ear damage for the rest of their lives! :D

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ok fair dues


i still think car giant should be made to bring some pressure upon them


AND for it to be paid for by THEM under the WARRANTY/SOGA


if not


reclaim the warranty.



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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