Bought a car but so many faults

[stuggling]

how do i upload agreement?

 

scrap that, my printer doesnt have a scanner on it!!

 

ill draw up what it says on it:

 

LEASING AGREEMENT

HIRE AGREEMENT REGULATED BY THE CREDIT CONSUMER ACT 1974

 

Parties - WE the lessor

(for the Comapany name)

 

YOU the lessee (then partners name and mine)

your address

tel number

 

 

Advanced Rental

Rent for first week

 

NET £560 VAT @20% £140 total £700

 

WEEKLY RENTAL

NET £32.22 VAT @ 20% £8.05 TOTAL £40.27

 

PAYABLE ON THE SAME DAY EACH MONTH COMMENCING ON MONDAY 04/02/2013

 

missing payments could have severe consequences and may make obtaining credit more difficult

 

PERIOD OF HIRE

 

the minimum period of hire if 108 Weeks

and thereafter unitl ended bu with party by not less than three months notice in writing

 

We have the right to vary the rentals by given you one months written notice of the variation if there is a change in corporation tax, captial allowance or writing down allowances so as to leave us in the same position as if such event had not taken place.

 

 

 

THE VEHICLE

 

VAUXHALL USED VIN NUM DATE OF REGISTRATION 77.528 MILEAGE APPOX REG NO 53 PLATE ZAFRIA CLUB 16V 1.6 PETROL GREY

Edited May 11, 2013 by stuggling

[Surfer01]

Maybe someone else can verify this but it states;

 

PERIOD OF HIRE

 

the minimum period of hire if 108 Weeks

and thereafter unitl ended bu with party by not less than three months notice in writing

 

We have the right to vary the rentals by given you one months written notice of the variation if there is a change in corporation tax, captial allowance or writing down allowances so as to leave us in the same position as if such event had not taken place.

 

The above indicates that the vehicle is being hired to you and that after 108 weeks you still need to carry on making payments. At that point the vehicle would have cost you £4349 but you still need to carry on making payments. Who is the finance company?

[stuggling]

Taxi van and truck ltd aka Fowlers Finance, they say it in house finance and if we cancel at all during the 108 weeks we are liable to pay the lot!

 

I'm gonna get hold of CAB tomorrow to sort it as we want it returned and our money returned to us for all the hassel of getting hold of the to do repair work and they didn't put new three on when bold we had too!

[Surfer01]

Perhaps someone on CAG can check to see if they hold a valid credit licence?

[stuggling]

ok thanks, we were told after the 108 weeks had been paid the cars is ours and no more paying out, they said they do it as leasing so they easily recover the car if need be, ive just gone on there website which is updated and they now do log book loans. I no longer want to carry on with them!

[sailor sam]

Send a formal letter of rejection. Indicate that you will require a full refund of all monies paid as the car was clearly not fit for the purpose and furthermore, possibly un-roadworthy. If you made them aware that you would need to hire a car, then you should ask them to reimburse those costs also. Give them 7 working days to respond and send by recorded delivery. You will also need to send a copy to the 'finance company'.

 

Once the letter has been posted, you must not drive or interfere with the car any further.

 

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.

[stuggling]

Ok ill shall sort it tomorrow thank you

[Conniff]

Ok ill shall sort it tomorrow thank you

 

You should sort it today and post it by recorded delivery tomorrow.

[stuggling]

I've typed n printed and being posted tomorrow it signed by me and my partner

[stuggling]

All letters have been posted and no had a response of them, im sending letter again as a final warning, but if you go on a new website called feefo it looks like we not the only ones this has happened to!

 

We were never told the sale price of car and interest and still don't know we just know we would be paying £5500 for a 10 yr old car worth £800!

[sailor sam]

Please keep us posted. just give 7 working days in your LBA.

 

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.

[stuggling]

Funny i posted yesterday and at same time it appears on my partners credit file (though in both our names but not on mine) it appears on file as hire purchase from fowlers?????

Its terms on file are 24 @ 175 (weekly), start balance £4349, current balance £3528

 

 

can they put it as HP though it leasing?

[dw190]

Perhaps someone on CAG can check to see if they hold a valid credit licence?

 

Consumer Credit Licence No (624337)

[Conniff]

Application / Licence Details

 

 

Licence Number: 0624337

Licence Status: Current

 

Current Applicant / Licensee:

 

Business Name Company Registration Number Taxi Van And Truck Limited 06761675

 

Categories:

 

Consumer credit Consumer hire Credit brokerage Credit reference agency

 

 

Right To Canvass Off Trade Premises: No

 

 

Trading Name(s) (Current):

 

Custom Van World Fowlers

Fowlers Accident Management

Fowlers Bespoke Horseboxes

Fowlers Motors

Fowlers Motors Guaranteed Finance

Fowlers Transport

Fowlers Urban Conversions

Fowlers motors.co.uk

Low Cost Van Hire

Penguin Vans

Penguin Vans.co.uk

Taxi Van & Truck

Guaranteed Finance Urban Conversions

 

 

Issued Date: 23-Feb-2009

Date Maintenance Payment Due: 22-Feb-2014

 

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

 

Current Individuals that run the organisation:

 

Name Position David Mayor

 

 

Nature of Business:

 

Purchased from independent dealer

 

 

Current Address(es):

 

Address Type Address Correspondence The Showroom, Clayton Lane, Stoke-On-Trent, ST4 6PQ, United Kingdom

Principal Place Of Business The Showroom, Clayton Lane, Stoke-On-Trent, ST4 6PQ, United Kingdom

Registered Office 15-19, Marsh Parade, NEWCASTLE, Staffordshire, ST5 1BT, United Kingdom

 

 

Historic Address(es):

 

Address Type Address Correspondence Parkhall Business Village, Unit 24, Parkhall Road, STOKE-ON-TRENT, ST3 5XA, United Kingdom

Principal Place Of Business Parkhall Business Village, Unit 24, Parkhall Road, STOKE-ON-TRENT, ST3 5XA, United Kingdom

Principal Place Of Business Unit 1, Cemetery Road, Silverdale, NEWCASTLE, Staffordshire, ST5 6SH, United Kingdom

Edited May 26, 2013 by Conniff

[stuggling]

Im still waiting on a call back from them CAB gave them details wouldnt put me through, i shall be calling again on tuesday though to find out what going on.

[stuggling]

Does this mean that they can give inhouse finance?

[heliosuk]

As a matter of interest what is the car used for? The finance company name suggests this might be a car used for private hire (Taxi) in which case I think the ball game might well change.

[stuggling]

Deffo not if a family car, we use it for getting to and from places with kids and for partner to get and from work.

[sailor sam]

Is there any up date on this?

 

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.

[stuggling]

No update as of yet, i sent letter on Saturday so wouldnt have got till tuesday due to bank holiday, so given them till tuesday then go from there

[stuggling]

ok i never put letter before action on top of letter ARGHHHHHH!!!

 

so retyped same letter and i have put a copy below please can some one tell me this is ok? I do aim to get all our money back we have been lucky to get another 7 seat car for our family

LETTER BEFORE ACTION

 

Ref: Zafria

 

This vehicle was purchased from you on 25 January 2013, upon buying the vehicle we were unable to test drive the car, as S just wanted to get the contract signed we were able to view but not drive.

 

After signing the car we were given the keys to have a proper look at the vehicle, we noticed a few problems and pointed these out to S, one being that all 4 tyres were cracked and below the legal limit. We pointed this out to S who told us it the cold weather and that it hadn’t been drove in a while. We thought ok as it was badly snowing (if you recall it was the weekend were people were stuck on the M6 because of the bad weather, this was a route home for us so were lucky to get home safely!)

 

The following day we took the car to our local mechanic who told us all the tyres need chancing of which we did at a cost of £47 a tyre.

 

A week later we noticed an oil leak from the car, so again took to the mechanic who told us there was an oil leak and that the exhaust was lose and needed to be replaced.

 

J contacted Pete who issued the money for these repairs to be done after several days of J contacting him in regards to other problems.

 

When the mechanic thought he had fixed the oil leak, it didn’t work; we were then advised it would probably we the oil sump, or gasket that needed to be replaced. Along with the starter motor/coil, the divers rear side door seat belt which can’t be locked or unlocked, and the centre console had dropped and was not working probably, J had contacted S on several occasions in regards to this and had faxed this over on several times but was never received by you, J then issued a break down for S and had no response to this.

 

We then sent a copy of the invoice to you and again claim it was not received though a signature of Fowlers was on the letter, again after J had use all resources to try and sort the problems she then re-send the letter and a signature was obtained looking like a shape.

 

J then spoke to E a few days later who confirmed the letter was there but S was not and that someone else would look over the invoice. A week later no response has been made.

 

Under the Sales of Good Act we are returning the Vehicle and giving you 5 days’ notice to collect the Vehicle and issue all monies paid to you by us which a breakdown is below:

 

Cash Deposit of £500

Part exchange of £250

19 x 40.27 Weekly payments £765.13

[stuggling]

ive noticed a few spelling errors and sorted them.

 

A friend suggested i look into all previous MOT's i didn't know i could so i have and it has failed on all the above problems before the garage received the car, there garage only failed it on the ball joint and gave an advisory on the drivers seat being broken. Must have fixed the ball joint and passed it but no advisory received,but the drivers seat still broken!

 

Im at a loss with this car now had enough, this letter is being sent recorded on monday. and the following week i sill start court proceedings to get them to remove the car and repay all money owed to us.

 

i have all previous MOT's, mechanic's reports for faults, bank statements showing payments being made, and a contract stating that it was sold with approx 77,528 on clock but mot says 77,613 there is a 85 miles missing.

 

I have not had any returned calls from trading standards either

[Conniff]

Don't bank on that mileage discrepancy being of any use, if the suggestion is that the odometer has been turned back, 85 miles is going to add nothing to the selling price, turning back the clock is usually in the thousands or tens of thousands.

[stuggling]

ok thank you.

 

I have done so much research now on the company, so far i got the letter we sent in the 4/02 a week after buying the car to prove we were telling them from the start about some of the problems.

 

I have got a video and photo evidence of the faults and a mechanic's report, all previous MOT's to show that some of the problems have been on the the car since a certain date, but they never put the advisory we the MOT's. bank statements showing all payments made and receipts for the part exchange.

 

also i mentioned in an early post about a website used to review them, all of a sudden all negative feedback has gone they had load of negative feedback on certain websites but now it all gone and just positive is on there! and we can not leave any feedback on any of the websites as they wont allow us to, it says we do not have permission to, ive screen printed these to show this.

 

Im really looking forward to getting rid of the car, my only concern is, it has to be parked on the road as from next Friday as i can no longer get it on the drive way as we were borrowing the driveway from friends. How do i get rid of all responsibility of it, as we do not want to be fined for the insurance and no tax on the car, as we cant afford to insure 2 cars.

 

Thank you all so much for all the help for this problem

[stuggling]

Had a call back from TS they won't get involed!!

 

Said that they feel enough hasn't been done for them to be involved, and won't advise me :'(

 

Letter before action was sent yesterday here's hoping