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Help needed for the worst Renault ever!

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Hi, So will keep as brief as possible and thank you in advance for anyone who offers advice (i need it) and have looked at previous threads but with all things I think it is best to start my own....

 

Ok here we go.....so I purchased a Renault 11 plate Wind convertible (yes I know the name is awful) in August 2012....for £10k second hand from the Renault dealership. I took finance out which works out to be monthly payments of £224 per month over 60 months with Barclays personal finance.

 

*Since I have had the car I have had to have the turbo and clutch both replaced, brakes replaced,currently awaiting to book in now (leaking door seals) and the door handle fell off yesterday as well as running out of fue today when the fuel gauge still displayed 35 miles left (Before anyone rants I know it is not good to let the car go in to the emergency red but we all do it from time to time).

 

I am very unsatisfied with the car as you can appreciate having so many problems in such a short time. Although the car is under warranty until 2014 it is the time consumption of continually taking it back to the dealership to get fixed as well as the not knowing if the car is reliable. I work in a dynamic role which involves driving at various hours and supporting the elderly in different areas of Essex.....I purchased the car for protection....not to keep breaking down and make myself vulnerable!

 

So what I would like to ask you experts is ...... the car is currently worth £8000 and the outstanding finance is £10400 as of Dec 2012 (front loaded loan) so I am in neg equity....but surely if the car is faulty? can I request to appeal and just terminate the agreement with the bank loan? (dealership have nothing to do with it apparently)

 

I have spoken to the dealership who advised I go back in March 2013 and part x the car and they would then transfer the neg equity in to a new agreement (but why should I....I don't feel I should have the expense of £2k negeq when the goods were not sold to standard)

 

Also I am concerned if I terminate the contract/appeal or part X what impact this will have on my credit rating as already had a bashing (if you know what I mean)

 

Anyway any advice would be great.....

Thanks

:)

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Could try complaining to the finance company. They own the car at the moment and I believe they may have some clout.

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I can certainly answer one of your doubts, The car is a Renault so no it is not reliable. Most French cars are a bag of s*&* although you do get the odd Saxo that will last longer than a set of tyres.

 

Is the selling dealer the one fixing the problems you have had so far?

Have you had to contribute to any of the repairs?

Have you voiced your dissatisfaction to the seller?

Edited by Conniff

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Could try complaining to the finance company. They own the car at the moment and I believe they may have some clout.

 

It does help if you were to read the OP's account before posting. The OP states the car has been bought via a personal loan.

 

As the OP has only owned the car for about 4 months, SOGA well and truly applies. It seems like you should be asking if the car is 'of satisfactory quality' given the age and price paid. However, it seems that the seller has so far fulfilled his obligations by rectifying the defects so far. But obviously there would be a limit to what would be regarded as 'reasonable opportunity' to rectify.

 

The suggestion to keep the car until March 2013 would not be an option I would personally take. That simply means to me to be an option that would benefit the dealer more than the OP.

 

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 face to face 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.


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 face to face 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.

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It does help if you were to read the OP's account before posting. The OP states the car has been bought via a personal loan.

 

As the OP has only owned the car for about 4 months, SOGA well and truly applies. It seems like you should be asking if the car is 'of satisfactory quality' given the age and price paid. However, it seems that the seller has so far fulfilled his obligations by rectifying the defects so far. But obviously there would be a limit to what would be regarded as 'reasonable opportunity' to rectify.

 

The suggestion to keep the car until March 2013 would not be an option I would personally take. That simply means to me to be an option that would benefit the dealer more than the OP.

 

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 face to face 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.

 

 

Thank you all very much for your helpful advice. What I have done so far is registerd a verbal complaint with Barclays and was told i would need to make my complaint in writing....so writing to them today to confirm that I feel the goods ( being the car) were not sold to satisfactory standard. I do worry I may get fobbed off with this but worth a try and do agree that waiting until March is just an excuse to get me in to a new contract and for a sale! I will keep you all posted. Thank you :)

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My bad, Sailor Sam. I was thrown by the use of the word finance in OP rather than loan.

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Thank you all very much for your helpful advice. What I have done so far is registerd a verbal complaint with Barclays and was told i would need to make my complaint in writing....so writing to them today to confirm that I feel the goods ( being the car) were not sold to satisfactory standard. I do worry I may get fobbed off with this but worth a try and do agree that waiting until March is just an excuse to get me in to a new contract and for a sale! I will keep you all posted. Thank you :)

 

Actually, can you clarify the finance? Was it arranged by the dealer and if so, is it in fact a personal loan and the finance secured on the car or is it an HP agreement?

 

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 face to face 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.


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 face to face 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.

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My bad, Sailor Sam. I was thrown by the use of the word finance in OP rather than loan.

 

I'm actually beginning to wonder whether it is a loan or not!

 

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 face to face 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.


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 face to face 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.

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I'm actually beginning to wonder whether it is a loan or not!

 

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 face to face 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.

 

Original post is a bit ambiguous.

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Original post is a bit ambiguous.

 

Hi, so I have checked my paperwork and the finance was sold by the dealership but through Barclays personal finance over 60 months and a front loaded loan agreement. When I have had cars on credit before they have usually been through the dealers own finance group but this one is different so not sure which area it falls in to HP? I have also had confirmed that Barclays own the car as such as that is who the finance is with and not Renault anymore. Although they are honouring all repair work under warranty.

I wish I was as clever as some of you folks on here! I would never of entered this bloomin agreement hassle all the way!

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It will say on the front 'this is a hire purchase agreement ..............' if it is.

 

going back a bit further. The problem with terminating the finance and handing the car back is they will dispose of it through an auction and it probably wont cover the outstanding amount, (you can be sure it wont), so you will be liable for that balance.

 

You could of course ask the seller to pay any outstanding amounts, after all, it is his responsibility no matter who the finance is with.

 

If it is HP then you can hand it back without penalty when you have paid 50%.

Edited by Conniff

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Hi so very quickly .....update time

 

I feel it is soooo important to utilise and communicate the progress of my case as I have found so many people in my position and not knowing their rights ....so thank you for all support and advice given:-)

 

So it took a while but finally Toomey have agreed to swap the car for another vehicle (although they are saying technically they don't have to as they have covered all work under warranty) and that they feel my situation is very "unlucky" and as a good will gesture - although this will ineffectively wipe out the negative equity swallowed in to a new agreement......for example they want to put me in to a brand new (old shape) clio at ticket price and this will still make the finance people a profit....someones gotta make money though rite?!.....

 

But question........

 

Say I get approved for the new agreement with the Clio on signing the papers and handing over my faulty car/settling the old agreement and signing up to the new.......am I still entitled to a 14 day cooling off period?......in which time I could say perhaps change my mind and if preferred source another vehicle...hhmmmmmm.................and as a result wipe my hands of Toomey? (think left a bad taste)

 

Let me know people......

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I'm not an expert on the ins and outs of the finance deal, but I think the "cooling off period" is linked to the finance, not the car purchase. i.e. you can decide not to take the finance deal, but the garage will then expect you to complete the purchase using some "other" method of finance.

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A new clutch, turbo and brakes and you are swopping it in for something else! not the way I would go around it.

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A new clutch, turbo and brakes and you are swopping it in for something else! not the way I would go around it.

 

Exactly my feelings on the matter too.... Do I really want another mess by Renault slogging it out over another five year payment plan or whatever they offer me..... Let me think ....NOOOO!!

Well previously when i have chopped my cars in with toomey.... They have to by law apply under a whole new credit agreement and settle the old agreement ...... which is when i perhaps may have a rethink and then start looking for other options ( you know what I'm saying)But i was hoping someone may be more up to date on this than me.....???

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Unfortunately, Renault Diesels get a right battering on the internet as a whole, mainly because they're poor. Make sure they give you a half decent motor in return (A petrol one! - Not anything with "IDE" in the engine description).

 

Toomey are known for being a bit iffy (At least the one in Laindon) although most of the shockers have been from Vauxhall...

 

I hope this is sorted, it does make you think about their brand reputation though...

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I would go for a full refund of money paid to Renault and then use that money to buy another brand. This perfectly legal as the money was a personal loan for the purchase of a motor vehicle unless the loan is secured on the vehicle. If it is, then you must be put back in the same financial position you were in before the purchase, i.e. loan cancelled and no outstanding money.

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Thanks everyone

 

So after reading advice and speaking to others I have had a major rethink and Uturn over the weekend and have decided to go for a full refund instead of exchanging for another vehicle. The other route just seems too complicated to get out of and also more beneficial for Toomey than me.......I feel I have enough justified reasons/problems with the car, not to mention being told by Renault staff verbally that the car is faulty and that I have been "very unlucky". In addition, the Clio that they are offering me is a lot less of a car than I currently have, but still at the same monthly payments of £224 (IE just transferring the debt across). I did negotiate this but was told no chance pretty much.

 

So if anyone could recommend any specialised car finance dispute solicitors....that would be great. Also any thoughts on the matter

 

Thanks

Edited by zoerenault

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