Jump to content


  • Tweets

  • Posts

    • I'm removing two posts here – one because it refers to "… All from the same ethnic background" and the second one referring to the fact that the customer was Spanish. The first, particularly by king12345 has a strong racist tone about it and is completely unwelcome here.  king1 2345 has been here long enough and knows very well that this is not what we do. ==============================================================================   In terms of the building and insurance problem, it certainly sounds if you are being treated very badly and we would be very happy to help. Unfortunately I find your story is rather unclear – probably because there is a lot of narrative and I'd be grateful if you could clarify your story and in particular breaking down the insurance job and the rest including giving their values. Do you know if the insurance money has been paid to the customer or is the insurance company simply waiting for some kind of approval. You say that the insurance company has signed the job off and so this suggests to me that they are satisfied but what worries me is that they may already have paid the money to the customer who is merely withholding it from you rather than authorising the direct payment of the insurance money to you. Your story needs substantial clarification please. Finally, does your customer own the property? If you are not sure then you should consult the land registry website to ascertain the owner of the property
    • update:  Tried with new micro filter and still no difference in the speeds.  Called plusnet and they sent this 🤪 although looks like there was interference in the line which i never picked up   
    • Hi dx100uk   He is the information you asked for.   OC: Capital One    Type of debt: Credit Card    When taken out: 29/10/2017   Current owner: Capital One    Defaulted date: Hasn’t Defaulted    Outstanding sum: £156.52   ———————————————————————   OC: Vanquis   Type of debt: Credit Card    When taken out: 21/05/2018   Current owner: Vanquis   Defaulted date: 31/05/2019   Outstanding sum: £355.00   ———————————————————————   OC: Ocean    Type of debt: Credit Card    When taken out: 09/09/2018   Current owner: Ocean   Defaulted date: 07/06/2019   Outstanding sum: £318.00   ———————————————————————   OC: Instant Cash Loans T/A Payday Express   Type of debt: Payday Loan   When taken out: 22/01/2014   Current owner: Instant Cash Loans T/A Payday Express   Defaulted date: 04/06/2014   Outstanding sum: £492.00   ———————————————————————   OC: NatWest   Type of debt: Current Account    When taken out: 05/08/2003   Current owner: NatWest   Defaulted date: 30/04/2016   Outstanding sum: £468.00   ———————————————————————   OC: British Gas   Type of debt: Utility Gas Account   When taken out: 01/08/2015   Current owner: British Gas   Defaulted date: 06/09/2018   Outstanding sum: £712.00   ———————————————————————   OC: British Gas   Type of debt: Utility Electric Account   When taken out: 01/08/2015   Current owner: British Gas   Defaulted date: 06/09/2018   Outstanding sum: £819.00
    • Thanks DX re counterclaim. Just to clarify regarding witness should I just put one on the N180 and at court just take a witness statement from partner?  
    • I am hoping someone can advise me regarding my salary. I work as an emergency response driver for a private medical transport company. I work 6 x 24 hour shifts on call(total of 144 hrs) followed by 2 rest days(48 hrs). I work from my home address, with a company vehicle parked outside. During my six on call shifts, I must be available to respond to any task given to me (by phone-call) within a certain time. As you can imagine, while on call I am very limited to what activities I can take part in. Due to the nature of my role and the need to respond within 30 minutes to 90 minutes I am somewhat tied to my home. Obviously I cannot consume alcohol, go for family meals, go shopping etc. Even while attending hospital appointments, popping to the shop I must wear my uniform, take the vehicle with me and be contactable and ready to respond. It has been brought to my attention that on call time is now classed as working time if you must be at the disposal of your employer during that on call time.   Is that correct and if so, should I be paid at least the minimum wage while on call. I am currently paid an annual salary of £22,000 for being on duty an average of 6,570 hours per year which would put my hourly rate at well below the minimum( not including annual leave).   Any advice would be greatly appreciated. Thank you.
  • Our picks

Lannister1234

Arnold Clark's Error Leading To Reposession

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1606 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hello,

last month we purchased a vehicle from Arnold Clark and part ex'd our own vehicle.

 

 

Prior to agreeing to buy we made the salesman aware that I only had a provisional license and asked would that be a problem with the finance

(my wife would be the main driver until I pass my test with me driving it provisionally.).

The salesman said that wont be a problem, the vehicle just has to be comprehensively insured.

 

We submitted all information for a credit check and we received a call the next day from the salesman that the finance had been accepted

and asked if we could come in to sign the agreement and pay the deposit.

 

 

We did so and the salesman said everything was fine, the car was signed over to us and we supplied all the documents that we were asked for.

We collected the car a couple of days later and left our vehicle with them.

 

A couple of weeks later AC called me to say they needed proof of comprehensive insurance where I was the main policy holder.

I said I dont have that because my wife is the main policy holder and I am a named driver.

 

 

AC said that the finance company wont release the money to them until they have proof that I am a main policy holder

and that the car would have to be repossessed if we cannot.

 

 

I informed him that on my copy of the finance agreement it only states that the vehicle has to be comprehensively insured,

it doesn't say that the owner has the be the main policy holder.

He said "yes but that doesnt matter because on the new document from the finance company it says you need to be the main policy holder".

 

They are threatening repossession if I dont pay for comprehensive insurance in my name

which firstly we cannot afford to do that and secondly out of principal of the agreement.

 

 

The funny thing is they said the finance company are threatening repossession and I said

"so a finance company who has currently made no investment in this vehicle has the right to take my car away."

to which AC said that

"well not it would need to be returned to us"

to which I replied

"so AC will repossess the vehicle?"

 

 

and after umm and arring they would not give me a straight answer as to who would be repossessing the car.

 

Any advice would be greatly appreciated and if they can repossess where do I stand with my deposit and part ex'd car?

Share this post


Link to post
Share on other sites

You can bet your life the finance company 'aren't' threatening repossession, that is a bit they tagged on to frighten you because they made a cock up.

 

Ring the finance company and tell them exactly what was agreed with AC and ask their advice.

Share this post


Link to post
Share on other sites

have you spoke direct with the finance company.


:???: what me. never heard of you never had a debt with you.

Share this post


Link to post
Share on other sites

No I haven't but on speaking with Arnold Clark on the phone they have used two different names for the finance company that they are dealing with which is odd

Share this post


Link to post
Share on other sites
No I haven't but on speaking with Arnold Clark on the phone they have used two different names for the finance company that they are dealing with which is odd

 

Stay off the phone unless you can record the calls in writing only


If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

Share this post


Link to post
Share on other sites

They seem to refuse to email us as we have emailed them a number of times but with no response

Share this post


Link to post
Share on other sites
They seem to refuse to email us as we have emailed them a number of times but with no response

 

Send it in the post


If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

Share this post


Link to post
Share on other sites

No, that's not right. I was informed in no uncertain manner that their salesmen are fully trained, so an error could not be of their making. LOL LOL

Have you considered telling them that you will return the car once your deposit, in full, has been returned, along with your old car.

This way you would be completely clear of that dire outfit.

Share this post


Link to post
Share on other sites
No, that's not right. I was informed in no uncertain manner that their salesmen are fully trained,.

 

 

You come up with some cracking jokes Scania ;)

 

 

Plus, if they haven't paid AC yet, how can they repossess something that doesn't belong to them ;)

Share this post


Link to post
Share on other sites

I had been promised a call from the sales manager today but despite calling for her twice I'd not been able to speak with her directly,

only a receptionist telling me that she is trying her best to deal with it and will call as soon as she has sorted it.

 

 

From the moment we signed those papers AC have been absolutely useless and fobbing us off at every turn.

And now they won't speak to us because they have to admit that they messed up.

 

 

We're not demanding money back or after compensation we just want to be able to pay our monthly payments and keep the car.

Share this post


Link to post
Share on other sites

Ah good old Arnold Clark make a maladministration error but its the customers fault and they only discuss things on the phone in the hope the customer doesnt record calls so will therefore have no proof of what was discussed.

 

STOP talking to these people on the phone (unless you can record the call) you want a good paper trail as it seems that you are only dealing with the dealership you purchased the car from so are more than likely trying to keep their maladministration error in house so Head Office is unaware of this problem.

 

Make a Formal Complaint in writing to the Arnold Clark Dealership and send copies of the letter to Arnold Clarks Head Office and the Finance Company, also ask the dealership to confirm the full details of the Finance Company and to confirm that they still have your Part Exchange vehicle.

 

Ensure to keep copies of all letters and get free proof of posting from the post office you need to keep a good paper trail


How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

Share this post


Link to post
Share on other sites

Update from AC.

They have found a new finance company and they want me to go in to sign the documents. They explicitly said on the phone (which I have recorded) "you do not own this car". I will go into to look at the papers but as far as I'm concerned I do own this car. Have they just dropped a ball and realised they've given me a car for free and they can't actually take the direct debit payments without backing from a finance company? They want me to come in tonight and I've said I can't as im busy but will try tomorrow, the guy sounded very frustrated. I'm not trying to get this car for free, I am happy for the payments to go out my bank based on the agreement already signed, I just don't know if i have to sign a NEW finance agreement with another finance company.

Share this post


Link to post
Share on other sites

Check the interest rate and the terms and conditions before you sign

 

 

It could be this one has a much higher interest rate so AC gets a bigger commission. The whole thing could've been a set up from the beginning.

Of course he's frustrated, he don't get his sales bonus until you sign.

 

 

Ring the original finance company now and see what they say.

Share this post


Link to post
Share on other sites

Well they just walked into my place of work, with a new finance agreement, they demanded I signed, I took the document but said I will read it first and the guy went away. Another person called and said it will be reposessed if it's not signed by tonight. I just need to know can it be reposessed at this point without written warning?

Share this post


Link to post
Share on other sites

It's up to you mate, but I know what I would be doing in your circumstances. If you sign this it will mean your signature is on two legally enforceable documents!!!!!!!! Do yourself a favour and get rid. If this is how they treat you just now, imagine if you have a complaint with the car----what chance would you have with them????? Get out whilst you can.

 

 

PS. If you do decide to stay in this deal, make ABSOLUTELY SURE the finance is straight HP---not a personal loan or a "Car Loan" by Santander.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...