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    • Good evening, My husband and I are looking for some help regarding a faulty car which we have recently purchased from Big Motoring World Enfield. The details are as follows: - Make - Nissan Qashqai 2017 1.2L milage 55,349 miles.  Date purchased -   01/06/2024 Price paid - Deposit £9000, finance £4794 (this includes the 3yr Nissan extended warranty), buyers fee £249.      Total including all fees etc = £ 13794.        Initially, during the test drive, there was no problem with the car at all and this is why my husband bought the car on the day. No problems on the way home from the dealership and up to three days after purchase, the car drove smoothly. However, after day 4, occasionally we would feel a slight shudder during some gear changes (automatic car). Over the next few days these shudders worsened and then on day 5 the car would make very a very loud shudder with every single gear change. It was at this point we contacted Big Motoring World for advice as we are still under the 14 days no questions asked return.  My husband contacted BMW for advice on 06/06/2024 and stated the problems as above. He spoke to a sales person who informed him that he should only take the car to a Nissan dealership (we have now been told that this is false information). We were also promised that a courtesy car would be provided for us after the fault on the car had been identified and confirmed by their mechanic fixing the car. We took the car to the garage that Big Motoring World had told us to go. Upon arrival there we discovered it was a third-party garage, not Nissan. We took the car to the garage on day 9. The mechanic ran a diagnostic test which found no faults, but after the test drove the car and below are his findings...   we scan the car but no faults with the gearbox showing but when I test drove the car it was really juddering and jumping.I spoke to my auto transmission specialist and he said they are very common on these as the CVT belt starts jumping within the box due to pressure loss.  We had this vehicle in for diagnostics for gearbox mate but both the gearbox and battery are faulty.Gearbox supplied and fitted comes to £3500 plus vat   Where we are at now…. My husband spent all of day 10 (11/06/2024) making phone calls between the garage, Warranties2000 and Big Motoring World. He tried, unsuccessfully to find out if the diagnostic reports had been shared between all three. Everyone kept saying the report hadn’t been received and yet the garage assured us it had been sent. Eventually we were told that the courtesy car would be given to us if it was deemed the works to fix the car would take longer than 8 working hours, and that decision would be made after 48hours of receiving the report. Today is day 11 and no decision has been made as nobody is telling us any decisions as people are off sick or on holiday! Today we called the garage and told the mechanic NOT to start any work as we will be returning the car. He said none have been started and we have left the car in his storage as he has deemed the car undrivable. I have sent an email to BMW now formally stating that we want to return the car and I have used the terminology that was suggested.   What can we do next?   Thank you everyone. .  
    • Yes will do thanks Dave, I wonder what will happen at the preliminary hearing no idea what they will ask I assumed once I sent the proof they asked for about my sons condition that I would have just  been given the go ahead to be Litigation friend
    • First the judge will rule on you representing your son, which will be a doddle. After that the full hearing date will be fixed, with WSs exchanged 14 days before. So for the moment just concentrate on getting the right to represent your son.  
    • Thank you, the mediations in a couple of days so hopefully they show up this time. I'll update this thread after how it goes
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Wetcloths advice.


ashio83
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Hi everyone, let me start at the beginning.

 

Today I received an 'Important: Address Verification' letter from Wescot. It states they are trying to contact 'My Name' and have been provided with this address. They obviously know it's me and are just trying to get me to confirm it to save them doing extra legwork.

 

The thing is, I really am not sure what it could be for. A quick Google search landed me on these great forums.

 

I have decided to be pro active and I'm here seeking advice. So far I have worked out firstly to not contact them, but to wait for them to send a second letter with details of the debt so I can see their hand.

Secondly when they do respond I should send them a 'CCA request' letter, although I'm not sure what this should contain exactly with regards to content and formatting, after this I'm stumped and need some advice and direction.

 

I would be grateful for any advice and guidance at all.

 

Thanks, Ash.

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Indeed, at this moment in time they are purely phishing - in the hope that if their letter has reached the correct person, that they make contact.

 

Even if this is for a debt that you know couldn't possibly be yours then making contact with DCAs on receipt of these letters can be quite traumatic. You are put through a 3rd degree interrogation in order to prove that YOU are not the person they are looking for !!

 

Was the letter addressed to "the occupier" ?

 

I understood this was no longer permitted - this because despite the fact that they give either minimal or no financial details, most people opening one of these letters will automatically try to discover who the sender is !

 

Think about it - I receive one of these letters to "the occupier" - I open it or quite possibly even consider it to be SPAM mail and throw it away ?

 

If I open it, like you will I research the name of the company who wants to know if I am the person they are looking for. Discover it is a Debt Collection Agency. I know it cant possibly be me because I have no debt (not now anyway :lol:)

 

I worry because this company might be recording adverse information on my credit report ! Or worse, unless I make contact with them to deny I am the person they are seeking, that they wont believe me (and 99% of the time they wont) they will continue to send ever increasingly threatening letters to my home.

 

There have been many reports of this happening on CAG

 

Back to the letter and assuming they might well have the right person..

 

Have you checked your credit records to see if they or someone else is reporting any debt on your file.

 

Could it be that this is an outstanding balance from an account you opened a long while ago and have forgotten about ?

 

Have you moved recently.

 

It is suggested that you wait until they write again with more details - once they have given you a clue as to what they do actually want, then you are better placed to deal with things.

 

And yes, if they write to you again, with these details - then you will send the letter from the CAG library which asks them to provide more details. Or if you know it is something that you might have been involved with, you would send a CCA request.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi citizenB, thanks for your response.

 

The letter was in fact addressed to me personally and in the first line of the letter it states that they "have been provided with this address".

 

Yes I have recently moved, 2 months ago. Yesterday I setup an account with my energy company (eon) and they ran a credit check to see which services they could offer me, which I passed but then the next day I receive a letter from Wetcloths, maybe just a coincidence?!

 

How do I go about checking my credit records? You're probably right, it could be an outstanding balance from a while ago, credit card or balances from other accounts I've long forgotten about.

 

Is there a particular thread I should check in the CAG Library for templates or example letters for a CCA request or dispute letters etc?

 

I will wait to hear from them again which on the letter they said "If we do not hear from you by 23/09/2014 we will ASSUME the contact information we hold for 'My Name' is correct"

 

The letter isn't signed either, they must have been in a rush to send it to me.

 

Thanks again for your help citizenB.

 

 

EDIT: I have just noticed the 'Beginner's guide' or 'Link to CAG template letters' in your sig but when I click them I am told that I do not have permission to access this page.

Edited by ashio83
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The usual trick is to send the same letter to everyone with your name and wait to see who responds and then harass them, even if they are the wrong person. You may be surprised how many people pay when it is not their debt just the get these leeched off their backs.

If they are certain they ahve the right person they will be intouch again with a demand on behalf of whoever.

As said, check your credit files and see if there is anything outstanding or anything you do niot recognise and this includes searches by any company you do not have a business relationship with. I did this as was aparrently working at a big shed DIY company in Basingstoke when clearly wasnt

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The usual trick is to send the same letter to everyone with your name and wait to see who responds and then harass them, even if they are the wrong person. You may be surprised how many people pay when it is not their debt just the get these leeched off their backs.

If they are certain they ahve the right person they will be intouch again with a demand on behalf of whoever.

As said, check your credit files and see if there is anything outstanding or anything you do niot recognise and this includes searches by any company you do not have a business relationship with. I did this as was aparrently working at a big shed DIY company in Basingstoke when clearly wasnt

 

A dirty and non surprising method! Can you advise me on how to check my credit files, is there a particular website to use or am I being simple?

 

Thanks for the advice.

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You can click on the green library link at the top left of the screen. That is where all the template letters are now.

 

the debt collection letters, CCA requests, prove it letters are kept in the link below. ..

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?405-Debt-Collection

 

You can check your credit reference files at Experian, Equifax or Call Credit by either taking up the free subscription (ensure you cancel it in good time before the 30 days is up) or sending a £2.00 postal order to each of the agencies.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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The usual trick is to send the same letter to everyone with your name and wait to see who responds and then harass them, even if they are the wrong person. You may be surprised how many people pay when it is not their debt just the get these leeched off their backs.

If they are certain they ahve the right person they will be intouch again with a demand on behalf of whoever.

As said, check your credit files and see if there is anything outstanding or anything you do niot recognise and this includes searches by any company you do not have a business relationship with. I did this as was aparrently working at a big shed DIY company in Basingstoke when clearly wasnt

 

 

That's exactly what they do (unless you have a unique surname) as I got caught a few years ago. As a letter came addressed for example; Mrs Smith with no initial.

 

Now I opened it & it was from a DCA looking for this Mrs Smith as it appears she had left owing thousands to British Gas...

 

Coincidently I'm with BG & as all my bills are paid by DD every month & I was in credit, so I knew it wasn't me.

 

But I rang them up anyways & the bloke I spoke too, at first he was sure it was me & that I was looking to con them. It turned out after chatting with him that this particular Mrs Smith lived in my general area as well & done a bunk.

 

I got them to remove my address from their "list" & never heard from them again..

 

So since then, I just throw any letters from a DCA on a phishing trip away, as they are simply writing in the hope "someone" responds!!

I don't suffer from insanity, I enjoy every single minute of it!!

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