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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?  
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    • 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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i suffered fraud in a big way - now tryingto undo the damage - help

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Hello all,


To cut a long story short


back in 2011 I entered a competition that ended up being false

and a way of the organisers to take my details and hack into my account - set up loans etc in my name


It has taken until last week to get anywhere and despite much stress

and banging my head against a brick wall I have finally done this


The bank concerned initially refused my claim that it had happened

as they said that my other half had access to the online banking

so could not rule out it was her.


I had money leave the account from both the hackers themselves

and from payments for payday loans and other loans that I had not set up


It has come to a head as now after reporting to Action Fraud in December

they have traced it to a known fraud that they are aware of

and are currently in the process of doing charter applications in relation to this.


As a result of this the bank has agreed to returning the money taken from the account

- about £30,000 and we are in discussions regarding compensation


Now here is where the issue is,


I have a number of people that I now owe money to

- some because I was unable to pay them due to this happening

- some additional since then ( money off people I know )

and a third which is the ones that have been set up by the people who hacked it


Now this was all going fine and I have put in a request for my credit file

to see if I have got anymore that I am unaware of that have come on since

- I am hoping not


The issue I am having is

that I am not able to pay off the debts that are legitimate to me

but two of the payday loan companies are currently refusing to play ball

and accept I did not set it up

- I have asked for it to be wiped and any payments made refunded.

One of the companies has started court proceedings for which I have the 28 days to argue it.


So my questions are these


1- Do I pay off the debts I have currently

or do I wait until the Payday loan companies have stopped any action?

I do not want to pay everyone off only to find I then get a big court award that I cannot pay


2- Am I able to rectify my credit file now and state on there that this was not through fault of myself

and how do I go about doing this


3- Is there any letters I should be writing to the creditors to allow me the time to sort through everything

so I can then start paying people/ compaines off


4- Am I able to claim back any charges I have had from legitimate debts that I have been unable to pay due to what happened


Many thanks very much appreciated



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Hello Tom,


Quite a mess,


can you please say which company or companies are still chasing the fraudulent debts?


To rectify the credit reference files:

1 place notices of dispute on all adverse entries on all the CRAs showing the data.


You will then have to write to the data controller of each company that has registered adverse data on the credit files

and again explain (with evidence if possible) exactly what has happened and ask for the entries to be amended.


This may be a long term process.


I have seen a similar fraud case which was brought to a satisfactory conclusion

including have all the charges removed, but as said it will not be quick or easy to achieve.


You will receive excellent on these forums.


Write to ALL the creditors 'new and old' and explain the circumstances,

inform them of the fraud and crime number if you have one.


Also send copies of letters confirming what has happened.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 8 months later...

Exactly, it happened to me and now strangling really but have written to both creditors and one bank ( Barclays ) though written off but still showing as default. I defiantly need more help guys since been out of UK since 2006 came back in 2012 but this has affected my credit file.

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Hi there

So people can help you please start yoru own thread and tell the story so people can give you targeted advice








The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Okay sorry 4 the mistake made b'se just joined the site may you help show how to start my own blog b'se still not yet familiar with this helpful site.





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  • 4 years later...
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