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    • Especially because you have bought the car on finance, there is probably quite a lot that you can do although it sounds as if you are maybe taking the appropriate steps anyway. However you need to give as much more information. We need to know – the name of the dealer details of the vehicle, make, model, mileage, age, price paid – 70 8K? The name of the finance company – and some dates. Date purchased, the date that you have logged this with the FOS and I'm sure there will be other questions. I suppose that you don't understand your consumer rights very well because issues like the sunroof et cetera should have been repaired by the dealership and there was no need for you to spend your own money on this. On the basis of what you have told us, I would suggest that eventually should be up to recover all of your money plus the expenses you have incurred in carrying out repairs. And in fact – you could also list out the faults which have manifested themselves so far and the money you have spent on correcting those. You are entitled to purchase a vehicle which is of satisfactory quality remains that way for a reasonable period of time. At £78,000 I wouldn't expect any serious issues to manifest themselves in this vehicle for quite a few years. Tell us also about the £2400 inspection that you have had carried out. Were you advised to do this? To do this of your own initiative? Who carried it out? That lot for a start
    • Hi Dx, I am hoping you have had an opportunity to skim through this thread. Please may I give it a humble bump for your consideration. My last date to present a WS is Wednesday the 17th. Many thanks and kind regards 🙏  
    • Hello I've got a parking ticket, see here... https://ibb.co/DfHqg9F https://ibb.co/QvqH52m https://ibb.co/pbPPdDg https://ibb.co/X2F1X25 I've been parking at a particular corner in a small Tesco car park for years. Recently they put two electric charging plugs, one where that spot is and one at the bay next door, so I stopped using them out of courtesy in case they need to be used (I use that Tesco every day and drive past every day but have yet to see anyone use them). Recently I went back to Tesco when it was reasonably dark. All the bays were full, including the three blue badge bays. I have one but none of the cars parked in the bays did, I noticed as I walked past them (nobody ever gets pulled for that because Tesco have never policed this small car park before). Since there was two free electric bay spaces, and since I wasn't going to be long (just one product), I parked into my former 'regular' spot. There was a notice on the wall but if I'm honest I didn't read it because (a) I'm thick, and (b) I honestly thought it was just telling people how to use the device (like I said, I'm thick) rather than this being a parking fine. I went back during daylight and the sign is very obvious (as you can see from the picture), although not so obvious at night, although probably still obvious enough for you to tell me "tough luck, pal". Now they want £100 or £60 if I pay quickly. Am I doomed?
    • Hi All   After a bit of advice to see where I stand. Bought a car in Sept 2022 on pcp. Been told it had a big inspection and was good to go. Had many issues with it throughout the year including trims coming off the car and sunroof not closing.   While getting the sunroof repaired at month 12, in Sept 2023, the bodyshop guy said your cars been in a bad accident. Garage said it hasn't but offered to take the car back at half of what I paid for it as long as I buy a replacement from them before inspecting it (probably damage control) (car was £78k, said they'd offer £40k "trade in value" as if doing me a favour).   Ended up getting a forensic inspection done for £2400 in Dec 2023, confirmed car was in a bad smash (write off level but unrecorded on hpi) and potentially unsafe to drive - front end is slightly bent towards 1 side, what looks like a hairline crack on the chasis, overspray, bonner with patches of filler all over it, damaged rubbers etc   Raised complaint to finance company and few weeks ago to FOS... just wondering what people's experiences have been like going through the FOS, main thing that concerns me is that it was 12-13 months after I bought the car that I realised what caused these issues and raised the issue to the garage/ finance co but the damage/ misaligned panels are actually visible in the advert photos which I saved thankfully.    Dealership has had my car for 4 weeks to let a few bodyshops look at it (without giving me a courtesy car!!!) Not giving me any updates either because I went to the FOS about it and didnt want to speak to them over the phone anymore as opposed to emails. Note: hanging trim was reported within 3 months but due to part delays it didn't come until like July 2023, within 2 months the piece came off again, claimed under repairers warranty for another replacement 6 weeks ago and within 2 weeks this time the trim is coming off AGAIN (assuming it won't stay on due to the car being actually bent out of shape slightly)   Any idea if I have a good case or if there's anything else I can do?   Thanks
    • After the dealer failed to refund the money I checked the sort code and account number to reveal which bank received the money. It turned out to be HSBC BUSINESS DIRECT ONLINE. I called them and they confirmed the account name wasn’t Langley Cars though obviously didn’t tell me the correct account name. My bank contacted HSBC after I reported this to be fraud and they did in fact do a charge back but reversed the decision when the dealer sent a copy of the receipt he gave me for the deposit where it said it was non-refundable. I said that doesn’t mean anything when the car should never have been put on the forecourt when it was a death trap, and not fit for purpose.   The MOT revealed only a few of the faults which he agreed to correct in a week as I needed the car to travel out of London for work. He didn’t meet that deadline either because there were other more serious problems as identified by my independent car check. The same mechanic informed the dealer of these faults. The car wasn’t fixed by the agreed date due to the extensive repairs needed. So he was in breach of our contract on many levels.    I requested the bank find out the correct name of the account and they said the only information they had was like you said was the account number and sort code. I challenged the bank stating that whenever I create a new payee if the name doesn’t match the registered account name, it declines the creation of the proposed payee. So what happened in this instance?    I checked company’s house using the address from where the dealership is located and there was neither the two names, one was aa advertised in AUTOTRADER and the other on the courtyards entrance. I thought as I had made payment to the dealers ‘Trading as’ name that it would more than likely be enforceable than any other. Indeed the Bailiff was the one to call me and say that a variation of the warrant of control needed to be done before he could go and enforce the order. I cross-checked the address on Companies House website and got 3 different business names. Only one appears to be car related.  I am unsure as to what I can do within the variation of the warrant which the bailiff felt was appropriate. I will speak to him again Monday. 
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Letter from Black Horse out of the blue, regarding ppi on loan.


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Hi, Yes i'm new to this, as my title said i have just received letter from b.h. regarding ppi i took out on a loan in 2006, the loan was reconsolidated in 2007, and that time i did not take out ppi. Black Horse's letter says some of their customers took out policies simular to mine and then refinanced their loans, suffered a financial loss which was not trivial, it also says we have not reviewed the sale of your particular policies but we are aware that you have also refinanced loans early. This may mean one or more of your policies noted were mis-sold, as they may not have been suitable. I have phoned them and they say they cannot tell me if the ppi taken out on first loan is consolidated into second loan (even though i didnt ask for it on second loan) until i return their form and they will work it out? My question is

How should i fill in the ppi questionaire to get the best possible result from bh? Any help greatly appreciated

Thanks

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Hi

 

Do you by any chance have the agreements and statements of the accounts?

 

If not I would suggest a Subject Access Request (SAR) to BH to get all of the data they hold. From the information that comes back you should be able not only to see about the rollover but also calculate what is doe back to you.

 

There is a template for SAR in the CAG library, the link to which is at the top of every CAG page in green. The cost is £10 and they will have 40 days to comply.

 

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Early November 2012 I received a similar letter. They traced loans back to 2001 from original loan account they quoted on original letter they sent out. Fill in form and they will do all the checking for you. Upheld letter received on 31st December 2012 and I eventually received cheque on 13/02/13 for £6500. All down to Black Horse sending me a letter to initiate claim.

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  • 2 weeks later...

Hello,

Thanks for replying, i am so sorry i have not replied sooner, but i was having a job navigating this forum, and have only just found your comment! Firstly, congratulations on your case with BH, how lovely to get that much back!

I wonder if you would mind giving me some advice as to what to say on the Questionnaire? Did you have your statements, to see if the PPI had rolled over into reconsolidated loan? I have some statements, and original loan agreements but can see nothing that relates to the recalculation . Do i just say i believe i am still paying for the ppi from my first loan, and that it certainly wasn't explained to me that it would be carried forward into reconsolidated loan? Also do i mention the words MIS SOLD? Sorry to ask all these questions but i want to word it correctly to get the best result!

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Black Horse originally only asked me to fill in questionnaire for loan for 2006. Once I filled in the form they did all the background work and linked loan all the way back to loans from 2001 to loan in 2006. I wasn't aware of any of the previous (or even the one they contacted me about) loans to be honest. Reasons I gave were that they had informed me that the PPI would be preferred by lender as security if I was to be unable to make repayments if ill or unemployed. Also the fact that my employment covered me for 6 months full pay and six months half pay if off work.

 

Hope this helps.

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