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    • Hi Tawnyowl here,i have been watching events over the last week or so as things develop. Labrat,such a sense of humour.😀 Hi honeybee13 . Sure does     Anti-fracking campaigners have reacted with concern to news that the British Geological Survey (BGS) signed a non-disclosure agreement with Cuadrilla over access to operational data. https://drillordrop.com/2019/08/24/suspicion-over-fracking-firms-secret-deal-with-geological-agency/   Cuadrilla has been accused of trying to downplay last night’s 1.6ML earth tremor caused by its fracking operation near Blackpool. The tremor, at 8.46pm, was the largest so far recorded at the Preston New Road site since fracking began there in October 2018. https://drillordrop.com/2019/08/22/living-in-fear-residents-respond-to-1-6ml-fracking-tremor/ Energy firm Cuadrilla said a 2.23-magnitude tremor was recorded at its facility near Blackpool at 11.01pm on Saturday – the third “micro seismic event” this week. While some local residents may have felt the movement, it was not strong enough to have caused any damage to property, the firm added.  Do you believe anything this company says. Like their so called micro seismic events you would think damage could have been caused to properties. Once buildings start shaking this must happen surely. I was approached this afternoon while at a cricket match. Just chatting way about this and that when the person said Did you feel the Earthquake last night. I had not even heard about it,tell me more i said. Lights and windows shaking moving around about a mile away on one of the North of Englands largest housing estates. And there are reports of many more people feeling this event covered on this link. Why should a community be put through this,waiting for the next one. People living around Cuadrilla’s shale gas site reported shaking buildings and windows last night from a 2.1ML tremor. This is the strongest seismic event so far induced by fracking at the Preston New Road site near Blackpool. It brings to more than 90 the number of tremors since fracking resumed at the site less than a fortnight ago. Within minutes of the tremor, there were reports that people had felt it from surroundings towns and villages including Blackpool, Weeton, Westby, Peel, Kirkham, Wrea Green, Great Plumpton and Lytham St Annes. Much more on the link. https://drillordrop.com/2019/08/25/call-for-fracking-ban-after-2-1ml-tremor-shakes-buildings-around-cuadrilla-shale-gas-site/   You might notice that the BGS has a page now for human activity causing Eartquakes-link Last updated: Sun, 25 Aug 2019 18:10:00 (UTC) This list contains seismic events for which there is strong evidence that they have been induced by human activities. It is linked to a database of seismic events and locations and magnitudes may change as events are re-analysed and revised. Background, tectonic seismic activity is reported on our recent earthquakes list. http://earthquakes.bgs.ac.uk/induced/recent_uk_events.html   I had better leave it there for now, more soon.,how will it all end because surely it will. Things cannot carry on much longer like this,can they? Bye for now. Tawnyowl writing from the Earthquake centre of Great Britain courtesy of Cuadrilla Fracking.
    • happy for mod to move it to suitable location under thread title Background: Thanks in advance for any thoughts you can share. This is a very long history, I appreciate your time. In 2011 I took out a £8500. loan from Borro private finance against art and jewellery to make ends meet. The agreements are attached below. This is a CCA. Borro regulated by the FCA. The interest rate is APR 68.8  % for 6 months.  I paid the interest and capital during the period term. On 3 May 2012  I renewed this loan at 79.4% interest for another 6 months.  Last week I requested all evidence the lender holds concerning the agreements. Missing are 03/05/2012 through 14/06 2013.( not under a SAR).  I fell into arrears on the loan and one piece of jewellery was sold, reducing the balance to £6400. Dec 2014.   The lender took a payment of interest £2044.16.  Renewed against the other items ( art etc) on this loan.  The new interest rate increased to 88.8%  . At the time the ring was sold, I requested all documents concerning the sale. Borro produced none. The ring is appraised at $17,5000.  £14,000.  The ring was sold for £3500.  I have an appraisal. I was notified prior to the sale. The ring was sold by "private treaty". I continued to ask for information about this sale until todays date. No information has been provided.  I took a huge loss . The ring is not clearly described on the inventory compared to the appraisal. Documents missing from Borro response to my request include 25/10/2014 to 10/04/2015. I was in arrears on this loan and a new agreement was made. The loan amount was increased to £10,810.00 and the interest rate decreased to  80%.  what is interesting is that the lender should have sold this ring, the value was sufficient to pay off my debts. But that is not what happened. someone got a deal on a nice ring.  II. ON 1, Jan 2012, I took out a second loan in the amount of £3000 against another piece of Jewellery. The interest was 68.8%. I paid the P&I on this loan.    Missing from the requested information is agreement from July 10/2012 until 12/12/2012.  I did pay interest during that period and on 12/12/2012 through 11/06/2013 I renewed  with an interest rate for 79.4 %.  I renewed on 04/07/2013 through 03/06/2014 interest rate 97.8%.  I renewed this loan on 03/01/2014 interest rate was 88.8. Take note there is very little description about this item. I redeemed the loan but ended up back in the pawn. 19/06/2014 to 18/12/2014 interest eat 94.5%. I renewed this loan again 19/03/2015 . Interest rate was 93.2%. Now there is a clearer description of the ring. Documents missing from Borro response to my request include 012/06/2013 to /10/2014 to 10/04/2015. Information on the  description is also scant until I took the loan out again in 2014. The last payment on either loan was March 2015. Default date was September 2015. The lender still has my property.   PROBLEM: In 2013, Borro became aware that the reason I had pawned these items was that I was a plaintiff in a substantial lawsuit in the US. I borrowed because I had lost my job. I was not able to work( I had been FCA regulated). I was facing eviction, had serious financial stability  and some mental health problems. I gave them a copy of the pleadings. They are aware that I had claimed these loans as part of my damages.  In 2015, Periodically I requested the accounting. Some was provided some was not. As a result, in  2016, the head of credit wrote to me " "Thank you for coming in to see me today. As discussed, we will freeze your accounts with us from today the 14th October 2016 until the 31st of December 2016. This will mean that no further interest will accrue until the 31st December 2016 and we will not consign to sale until on or after the 31st December 2016."  I did not hear from them again until  08 February 2017. On 30/03/2017 I responded to Borro request that I give them an update on the accounts. I wrote that I needed a settlement figure.  No response the following week I personally met with the manager I had been dealing with. She told me that " we are not going to sell your property". We understand that you have fallen on hard times, we are human. How long will it take you to sort this out. I responded about 2 months."   I did not hear from Borro again until I wrote to them on 18/03/2019 where I stated, " the last time we met you were going to give me a settlement figure". There was no response. As a result, on  18 March 2019 I sent  an email to - Subject: RE: Borro Accounts. Dear Lender. Hello. The last time we met, you were going to give me a settlement figure. Litigation is still ongoing. We have a potential investor that has asked me to get a figure from you. Depending on that number, I can let you know if I can pay the bill and collect my things in the next few weeks. Please get in touch as soon as possible". no response.   In early July 2019 I received a call from someone at Borro. It was not a good time. I asked him to call me back the following week. I did not hear from him again either. On  6 august 2019 I received an email from Borro that I should log into my account. I was unable to. The following week I wrote to them and in summary: On 13/08/2019 I wrote and included a summary of the events: I am writing to advise you that I am obtaining advice concerning the  account. You are aware that you have not pursued any further action on this account since approximately 2014(or earlier) . This is because I had an agreement with Name Deleted that Borro was not “going to sell my property,  I recited the above summary of events.   Certainly, I had no intention to give up valuable property for almost 8 years and pay interest and principal for this long. I want to develop a resolution to the matter between us. In order to achieve this, Please can you provide me with the following information which is attached in a spreadsheet: I need a very simple accounting and please answer the below: Any renewed loans where additional credit was extended through the re-appraisal of the assets ( ie using the asset as leverage) to extend further credit where the loan proceeds were applied to the loan for reinstatement purposes. What were the source of funds for the last payment made? Because I am seeking advice with a view towards finding a resolution, I would appreciate it if you could hold action on the above account for a period of at least 30 days to give me the time  I need to obtain advice. If you are adding interest or other charges to the account, I would be grateful if you would freeze these during this period so that my debt does not continue to increase. Please can you send me the enclosed spreadsheet and the documents you loaded into my account as soon as possible. This will enable me to obtain accurate advice. I will contact you again as soon as possible with further details of a  proposal to resolve the account. ( so far this lender has not complied with my request)   SETTLEMENT OFFER From: Borro Customer Service <Contact@borro.com> Sent: 14 August 2019 13:22 To: Subject: RE: Your Loan Account   Dear borrower. Thank you for your email and for getting in touch with Borro. As you would be aware there have been many loans with Borro, with two loans that remain outstanding which we are seeking to resolve with you. Given the significant period these have been overdue, the current balance on these two loans is almost £52,000 of which the majority is interest. In order for you to move on from this debt it is proposed to sell the collateral associated with Loan DIAMOND RING 175643 in full and final settlement and return all the items under Loan 198678 to you. This would generate a loss for Borro of approximately £49,000, however given your circumstance this is something we are prepared to offer. While I would love to pay Borro £3000. I do not currently have the funds. Borro is aware because I wrote to them on august 13 advising them i am not working. I do not want to lose my property. I need to find a way for them to walk away, give me my property back. WHAT ARE MY OPTIONS? Below are the questions I have or could raise in order to "negotiate with them". Is this a high interest short term loan? What are the effects of an CCA that has an interest rate of 93.6% and is renewed every six months? It appears that one loan was "Refinanced".  What FCA terms did they violate which might apply to this situation ? After the agreement expired and terms were changed, what rights does the PB have to collect further payments or sell the ring? Did they waive their rights to further payments? How can I use refusal to produce sale information concerning the first ring, to negotiate my way out of this? What is interesting is, they sold a £14,000 ring privately, concealed the buyer and other information, then turned around and INCREASED THE INDEBTEDNESS substantially. In fact they want to do this again, but this time are offering to  write off £49,000  in other interest. What am I missing? What effect does violations of FCA 6 and 7. help me to negotiate a settlement. Is the FOS effective threat to the firm to pressure a settlement? Does a cost cap apply to these loans and if yes what is the amount of the cap? How can I use the current appraisal and FCA or any other rules to stop them from selling the ring for less than market value? I have someone looking at the accounting to see if there are errors. found several when query. anything you can find that voids the agreements? Anything else you can think of THANK YOU!!!   RING.pdf art.pdf
    • I am so sorry I see the confusion now, I was meant to say CAB not CAG. They are just sending him letters to copy and send which doesn't seem helpful at all.    I also apologise for the vague details right now. I actually thought he had got rid of the car already until he mentioned it as he dropped me off home, so I've only got a vague idea myself, i just wanted to see if there was anything he could do other than send letters. I will get more details from him and update this thread, or get him to join as you have advised.  sorry 
    • It was a late payment, no default 
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Vauxhall Insignia Clutch Failure - Warranty Claim Rejected By Vauxhall

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I purchased a 19 month old Vauxhall Insignia in May 2014 from EMG in Ely.



On the whole the car gave me excellent service, apart from a few niggles, which were rectified under the Vauxhall 3 year warranty.


However, in September this year, I noticed that it was getting more & more difficult getting the car into gear.

The car was just under 3 years old, and had covered 43,000 miles.


I took the car into York, Ward & Rowlatt, in Wellingborough to have it looked at.

After a test drive, they said that the clutch had failed & it would not be covered under the warranty, and would cost £982 to put right.


I then phoned Vauxhall Customer Service, and was told that it COULD be covered under warranty,

but only if the failure was deemed to be manufacture defect, and not wear & tear,

and, I would have to agree to an inspection involving removal of the gearbox.

This had to be done at a dealership, and if the findings concluded wear & tear,

I would have to pay for the inspection, but it would be included in the repair if I paid up.


Needless to say, they came back to me with "wear & tear".


After several phone calls to Vauxhall, they said that they weren't interested.

They would not even offer a good-will gesture.


As far as I could see, the clutch was not worn due to bad driving, otherwise it would have been slipping,

and I would have noticed a drop in fuel economy.

Once in gear, the clutch was fine.


Eventually I agreed to have the work done "under protest".


I asked Vauxhall for a fault report on the original clutch, and also information on the expected life of the clutch.

Originally they said that they would not have that information,

but I pushed them, as I couldn't believe that a manufacturer would buy in parts for which they had no idea how long they would last.


I was promised this information "no later than 16th October". It is now 18th October, and needless to say I am still waiting.


Whilst I am not happy with Vauxhall, the people I have been speaking to have been courteous

and as helpful as they could be within the company guidelines.

I am a great believer that any problems I have with a company, it's not the fault of the person on the other end of the phone.


There are numerous motoring forums on the www, and most seem to have disgruntled motorists posting complaints about Insignia clutches,

some of which are after only a few thousand miles.



This is quite clearly not an isolated problem, and it's about time Vauxhall got their act together and helped their (hopefully valued) customers.

Edited by avid_imps

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You should start off by reading our customer services guide and implementing the advice there. Do not have any more telephone calls with anyone unless you have implemented the advice that we give about this kind of thing in our customer services guide.


Secondly, get all the information you can about this failed clutch problem. It will certainly help you if you can demonstrate that this is a particular problem with this car rather than the general wear and tear problem.


Also, try and get some information about the length of time that you could reasonably expect the clutch to last. I have to say that I think 43,000 miles is a bit low.


Of course, you wouldn't buy a second-hand car and expected to be completely in brand-new condition. This means that eventually it might be unreasonable to expect them to pay completely for a brand-new clutch. On the other hand, it would be entirely reasonable for you to pay 43,000 miles worth of a new clutch – which might be 50% or something. You will have to read around and work it out.


The percentage of a new clutch short of 43,000 miles is the amount of clutch that you would be entitled to – and this would be the amount of compensation that you would be entitled to.


I find it extremely unreasonable that they are not prepared to release these figures to you – have you had this from them in writing? Have you had a promise from them in writing that they would release the figures to you? If all of this has been done on the telephone, and now you know why you should be following the advice in our customer services guide before you do anything on the telephone.


If there is no particular problem with the clutch on your type of car and that this is simply a one-off problem, then as I have already suggested, you would have to calculate the life of the new clutch, take off 43,000 miles – and that would give you the figure for compensation that you reasonably require.


If this happens to be a particular problem with the clutches on this make a vehicle – then I think that you could expect rather more – although never a new clutch.


If you can find good evidence that there is a problem with these vehicles, then I would make this a particular feature of your complaint against the supplier of the car and make sure Vauxhall know about it because they were would not want it's become officially known that this car had this kind of problem.


I don't think you should hang around too long. Getting involved in protracted discussions gets you nowhere. It sounds to me as if you have already had a good go and then not prepared to budge.


Assemble all your data, and then send them a letter before action and given 14 days. Start off, say, requiring that they contribute two thirds of the value of the work. If they will not agree to your demands within 14 days then you should issue a small claim in the County Court and without further notice.


Don't bother to make the threat if you're not prepared carried out. Bluffing will get you nowhere except it will lose you credibility. Frankly, if you not prepared to take this kind of action then put it down to experience and simply take the hit.


Do some reading around on this forum and elsewhere to find out about taking a small claim in the County Court. Open an account on MoneyClaim. It's free. The whole business of bringing a claim is very easy - but you will have to be well prepared.

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I agree the mileage is low, but it is a used car and who know what the original owner did while driving.


Difficulty in not engaging a gear is an indication that the clutch is not throwing out fully so it wouldn't necessarily be slipping.


For a thousand pounds, this wasn't just the clutch, they must have changed the dual mass flywheel as well. I don't suppose you have any of the parts ??


To get a price comparison, give your local clutch care center a ring and ask them how much.

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Thanks for the advice.



A representative from the Vauxhall MD's office initially told me that they would not have any documentation regarding clutch life, but I emailed them saying that it made no sense that Vauxhall would purchase clutches & not know how long they were expected to last. I then got a reply stating that they would have the information, and a fault report for the original clutch, no later than 16th October, for which I am still waiting.



I have the original parts removed from the car: the concentric slave cylinder & the 2 parts to the clutch itself.



The main parts on the invoice are: 55581279 - Clutch kit

55565331 - Slave Cylinder, Clutch.



There is no mention of a DMF.



We have a mechanic of nearly 40 years experience in the family, and he will examine the clutch parts & go over the information from Vauxhall, if I ever get it.

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I really would ring around and find out the price from others if it was indeed just he clutch and slave, 5 bobs worth of materials, someone's being ripped off.

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I'm not sure that you could describe the mileage as being low. 43,000 over three years seems to me to be about average or slightly more.


Of course, you have no idea how the car was treated – but because of that, you are entitled to assume that the car that they are selling you has been reasonably treated throughout its life.

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I was meaning 'low' as in clutch life terms not annual mileage. I think we can take it for granted that a clutch should reach 80,000 without any problems, unless of course, the previous owner drove with their foot riding it.

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I've had a reply from Vauxhall (only 4 days late). I can't say I'm surprised.



"As with any manufacturer we are unable to guarantee the life expectancy of any part as we do not expect them to fail at any predetermined age or mileage. Some items, such as the clutch, are deemed to be a wear and tear item as their longevity can be heavily influenced by user operation. "

I didn't ask for a guarantee of life expectancy, I asked for expected or design life, under specific conditions if need be.

If this is the case, how do they know if the part is performing as it should?

Who would buy parts not knowing how long they should last?

"We appreciate that this may not always be the case, but the dealer have advised that the failure cannot be attributed to a manufacturing or material defect.

In view of the fact that there is no defect with the part, I regret that a failure report has not been completed, and we are therefore unable to provide you with a copy."

If they are following processes they should have documentation supporting their findings.

How does the dealer know? What if the dealer has got it wrong?

Fortunately I have way too much spare time on my hands to pursue this.


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I have to agree that life expectancy cannot be predicted and on a clutch there can be no scientific test or under any specific conditions.


They could say 'we expect', but who can say if a driver rests his foot on the clutch pedal or how many times he changes gear of if he sits at a traffic light and holds the pedal down or rides it on a hill. It really is impossible to put any reliable figure on mileage.

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To give you an idea of pricing; the clutch kit quoted for is available on E-Bay for £550:00. The kit INCLUDES a Dual Mass Flywheel

Edited by Nimrod205

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Thanks everyone for your input with this.



Quick update:



2 local garages said that my clutch could not have been the cause of the problem. It was worn as would be expected after 43,000 miles, but there was still plenty of miles left in it.



They said it would be slave cylinder failure or air in the hydraulic line causing the problem. The dealer originally said that the cylinder was fine when we suggested that was likely to be at fault, but they replaced it anyway, but I believe that is standard practice when a clutch is replaced.



Vauxhall are still saying they can't provide any of the information I have requested & I am waiting again to hear back regarding my findings.



I shall try to get an appraisal of my clutch & cylinder from another dealer.

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