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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?  
    • Brexit = United Ireland within 20 years.  Arguable possibility.    
    • 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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why is everything more expensive now


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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

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Rich people get greedy, banks create money from nothing and give it to the rich causing massive inflation.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Any number of different reasons.

The price of land has risen which increases the cost of a new building and has a knock on effect. A company buying a new office block therefore need to charge higher rents to pay for the increase in

their mortgage. The companies in that building charge their customers more to cover the increase in rent.

We all enjoy higher wages than 50 years ago but the companies have to pay for those wage rises so they increase their costs to cover this.

The quality of cars and lorries has increased over the last 50 years-not so much the body work I admit, but with air conditioning, sat nav and safety fpr instance.

 

Joining the EU [or EEC as it then was] caused a rise in inflation when we decimalised the currency.

 

Successive governments failed to contain inflation during their years in office either through incompetency, or as now, using inflation to make it easier to pay off old debts.

 

And as Renegadeimp has already said by greed.

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See, you say the prise of land has risen. Why though? Its the same land with the same properties contained. Its just the rich inflating value and costs to make themselves a profit.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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It's a bit more complicated than that. It is to do with supply and demand. We are a relatively small Country with a large population for the size of the Country.

In the USA it is a very large Country with a relatively small population hence the price of land is much lower there.

Also not all land is available or possible to have bulidings on them which further increases the cost of building land.

 

In addition agricultural land can be valued by the amount of profit that it makes so in recent years through increased use of fertilisers the yield per acre from crops has gone up along with the prices of

those crops over time. So a farmer would not sell his land to a developer for instance if he could make more by crop cultivation.

The examples I am giving are very simplified as prices for land are affected by other factors too. For instance Government policy to encourage the growth

of woodland by tax incentives skews the price of land.

Edited by lookinforinfo
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Not really. Supply and demand was an invented concept by the rich. Do a bit of historic research. You will see goods were VERY heavily restricted from roman times onwards. Thats why so many politicians were rich as hell, just like now. They CONTROL the market under the guise of supply and demand. In the last 50 years, just look at inflation. It has skyrocketed due to greed, where for the previous hundred or more years, it only rose slightly.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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No, supply and demand was a consequence of the black death and serfs could just walk out of their fiefdom and into a paying job as there were so few people to do the agricultural work. Wages went up 50 fold and a law was brought in to stop landowners paying more than a certain amount in an attempt to keep the doewntrodden in their place. It didnt work and rich people started to starve so the king relented.

However, the principle applies to all commodities but these days you can apply a formula to calculate a given price for something when the supply and demands are known. You can also manipulate this data in any of a number of ways. The problem for the downtrodden is that the manipulators do so indirectly, for example, if you are a coffee farmer and want a higher price for your limited supply of coffee the processors will not pass on your coffee or pay you for what has been sent from the farm and you get to starve until you relent. This is because no coffee merchant is starving themselves and they all work in a cartel with the IMF and governments so there is only one outcome.

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the money faries are loosing their habitat due to deforestation

 

as they are loosing habitat they produce less money

 

we have tried to raise the money faries in an artificial habitat (banks) however as a result the cost of feeding has risen due to their diet (loose change) being harder to find in the wild as people tend to hang onto it

 

as the cost of feeding them has risen less people have kept them meaning less money in the economy

 

as there is less money to go around people tend to hang onto their loose change meaning the cost of feeding rises again producing a vicious cycle

 

as it stands now the money faries cost so much to feed that they are only kept as show animals by celebrities and the super-rich who tend to keep what they produce

 

i hope that explains it

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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