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    • Thanks both - Just did not want them to have the satisfaction of tarnishing the record even if it was for 12 months I'll wait it out - only 4 months or so to go   Thanks again
    • Thanks uncleB.    I have quite a few valid challenges which would prevent bankruptcy / return to original ownership.   Yes I am trying to sort legal help.  It's hard with limited financial resources.  Hence why I'm trying to create own defence.   I'm not sure I understand how they are legally allowed to completely gut a building whilst - I thought - under a legal obligation to sell?    They have refused to sell whilst also accruing interest and applying costs over a very long time. It's as if they deliberately racked up interest and costs to create a shortfall and grab the property via bankruptcy. The property was in good condition. Although squatters did get in. Is it a viable legal opportunity for them - without bankruptcy - to retain the property and rent it whilst simultaneously still charging the mortgagor interest?  
    • The original, and for some the best, James Bond.   Piers Morgan has just quoted George Lazenby as saying 'Sean Connery WAS James Bond, the rest of us were just imposters.'   https://www.bbc.com/news/entertainment-arts-54761824  
    • @dx100ukis right and even so - A Search doesnt reflect anything whether you were approved or decline. If youve had 1 search in the last 6 months, Then you dont need to worry  
    • god which want shooting for the stupid far reaching statement. only the OWNER of a debt can issue legal proceedings!!   IF the DCA letters say 'our client' thus they DON'T own the debt
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Just bought a car from well known large dealership,

 

although the car is 15 months old I was told it was an ex demo with only 2500 miles on the clock,

 

the car looked like new as you would expect and

 

I agreed to buy it paying with trade in and cash (debit card)

 

I was very happy with the car until I discovered whilst washing the wheels that it had budget tyres fitted

which are a third of the price of the factory fitted tyres (Michelin sport)

 

although I did check the tyres prior to paying I didn't notice the make being more concerned with the tread of the tyres

and assumed at 2500 miles they would be the original factory fitted tyres ( why would they be replaced at 2500 miles)

 

as soon as I discovered this I called the dealer for an explanation and also to complain in the hope this could be resolved,

 

the salesman agreed this was a valid complaint but was unaware the tyres had been changed saying the car was bought from citroen uk

and only arrived at the dealership the day before, so

 

he says he's contacted citroen uk to get an explanation and try and resolve this problem,

this was over a week ago and

 

I now feel I'm being fobbed off saying they're still waiting on a reply from citroen,

 

salesman now on holiday so

 

went in today to speak to manager but the same outcome still waiting !!

 

Anyone got advice please.

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How do you know the tyres are not original?

 

What makes you think they are budget tyres?

 

Manufacturers change tyre specs like they are going out of fashion depending on the deal at the time.

 

Are the wheels as expected for the car?

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Do you not have the service history where it should show if the tyres were changed.
. The tyres are definitely not original I confirmed this on an owners forum besides the car is a citroen ds4 sport which is marketed by citroen as a sporty type car and these tyres that have been fitted are probably the cheapest on the market, as for the service history there is none due to the car only covering 2500 miles no mention of tyres being replaced I even checked the car had no damage recorded. I suspect someone's swopped these tyres to their own car to save themselves a lot of money but there's no way to prove that but I still feel the dealer should sort this out surely I should not suffer regardless of what's happened I don't think it unreasonable to expect a car with this mileage to come with the tyres that the manufacturer chose as standard.
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. The tyres are definitely not original I confirmed this on an owners forum besides the car is a citroen ds4 sport which is marketed by citroen as a sporty type car and these tyres that have been fitted are probably the cheapest on the market, as for the service history there is none due to the car only covering 2500 miles no mention of tyres being replaced I even checked the car had no damage recorded. I suspect someone's swopped these tyres to their own car to save themselves a lot of money but there's no way to prove that but I still feel the dealer should sort this out surely I should not suffer regardless of what's happened I don't think it unreasonable to expect a car with this mileage to come with the tyres that the manufacturer chose as standard.

Make sure the tyres that have been fitted are the correct speed rating for the car. I would imagine a DS4 Sport would need a high speed rated tyre.

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Pardon the pun but I'm not sure that there is much mileage in your complaint. As long as the car is fitted with the appropriate tyres and the tyres are in a fully road legal condition, I doubt you have any come back. Remember It's a used car even though it only has 2.5k on the clock and as such, does not benefit from the same protection under the SOGA that a brand new one has.

 

My advice would be to check the ratings of the tyres and that they match those as stated in the manufacturer's specifications. IF they don't, then you MAY have a case. But I think not if only going on the fact they are budget tyres.

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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. The tyres are definitely not original I confirmed this on an owners forum besides the car is a citroen ds4 sport which is marketed by citroen as a sporty type car and these tyres that have been fitted are probably the cheapest on the market, as for the service history there is none due to the car only covering 2500 miles no mention of tyres being replaced I even checked the car had no damage recorded. I suspect someone's swopped these tyres to their own car to save themselves a lot of money but there's no way to prove that but I still feel the dealer should sort this out surely I should not suffer regardless of what's happened I don't think it unreasonable to expect a car with this mileage to come with the tyres that the manufacturer chose as standard.

 

Are these 'budget' tyres new looking, the right size for the car and fitted correctly ?

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I agree that most ****roens are fitted with Mich's ex factory. However, considering previous posts, it is absolutely essential that you check the speed rating----wrong tyres can affect your insurance.

At 2.500 mls i too would have expected Michelin tyres. Wonder if wheels are original.?

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Pardon the pun but I'm not sure that there is much mileage in your complaint. As long as the car is fitted with the appropriate tyres and the tyres are in a fully road legal condition, I doubt you have any come back. Remember It's a used car even though it only has 2.5k on the clock and as such, does not benefit from the same protection under the SOGA that a brand new one has.

 

My advice would be to check the ratings of the tyres and that they match those as stated in the manufacturer's specifications. IF they don't, then you MAY have a case. But I think not if only going on the fact they are budget tyres.

 

Actually Sam, the OP might have a valid point here on reflection. Whilst I'd agree in principal you are right the difference here is that it is an ex demo. As an ex demo the car should have the wheels and tyres specified at the time of manufacture as being a demo should reflect what the customer would get should the car be bought brand new. Therefore this enters a grey world. The car cannot reasonably be described as an ex demonstrator if the wheel and tyre design is not what you'd expect to see on a manufacturers demonstration model. As a demo the car has to reflect what the customer will receive so any changes made must reflect this oritcannot be described as an ex demonstrator.

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I agree that most ****roens are fitted with Mich's ex factory. However, considering previous posts, it is absolutely essential that you check the speed rating----wrong tyres can affect your insurance.

At 2.500 mls i too would have expected Michelin tyres. Wonder if wheels are original.?

 

Thanks for all the advice I appreciate them all, in answer to your question everyone I've contacted on the forum have Michelin sport tyres as the original tyre and yes the speed rating is ok but the main complaint I have with the tyres are their performance in the wet both braking and handling which is a big concern to me having already nearly come a cropper (the front of the car wanted to go straight with part lock on a roundabout in the wet) not going fast at the time, it was scary to say the least, latest update both the salesman and his manager think I've got a valid point but still waiting to hear back from citroen where the car was sourced, I'll keep you updated but not confident I'll get a result.

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Just a couple of points. It would be most interesting to know who the dealer was as perhaps i can throw some light why tyres were changed.

Given the info on the car, i would have expected the selling price to be reduced by virtue that it did not have top quality tyres fitted at this age and mileage (well, Michelin call themselves top quality?????)

If the car came direct from citroen it doesn't surprise me that "changes were made". I bought an ex citroen car, and at time of purchase noted that it had a spare with excellent tread. Shortly after getting it home i had a soft tyre and went to put the spare on---- ancient Dunlop tyre, on a wheel that didn't fit and no jack etc etc.

Dealer made good on all points and gave me a brand new Mich as a spare. But obviously the dealer had been done by someone in the supply chain.!!!!!!!!!!!

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the main complaint I have with the tyres are their performance in the wet both braking and handling which is a big concern to me having already nearly come a cropper (the front of the car wanted to go straight with part lock on a roundabout in the wet) not going fast at the time, it was scary to say the least, ...

 

Does your Citroen have ABS, and if so, is it working ?

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Does your Citroen have ABS, and if so, is it working ?

 

Just to update you all got a phone call earlier this evening from manager of dealership to say that they will replace the tyres with Michelin sport tyres as should be fitted absolutely delighted as I really thought they would come up with some excuse, they say that citroen will pay half and the dealer will pay the other half just goes to show if you keep at them sometimes it pays off, thanks for all the advice.

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Great news. I am more than happy that my opinion seems to of been wrong this time! :thumb:

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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