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    • Correct.   Engine heads are not considered consumable items - I don't think i should be looking for a deduction in cost due to wear and tear - especially since it is not a wear fault.? Life of a vehicle is also subjective. Saying that, its a well known make for reliability, and I know that other people own models from them have gone once round the clock. and still going strong so whats the yard stick?
    • I must also add that I do not wish to use the warranty, as it is pretty much useless, and the car had around 115000 miles when I bought it. it has not 1000 miles more. 
    • Thank you. What is the expected mileage of this vehicle? I think one might need to take into consideration that it has 36,000 miles on the clock and that you have enjoyed a further 2500 miles which means that it now has about 38,500 miles on the clock – is this correct? I think then you need to consider that mileage – 38,500 as a percentage of the expected life of the engine and that tells you something about the proportion of any settlement which you might reasonably expect
    • Hi there,   Thanks for this amazing forum. Please see below 1-  letter I sent to financing company in regard of issues and 2- their response.    What is the next step moving forward?    Thanks   1- LETTER SENT TO COMPANY ON 2ND DECEMBER 2021( BOTH BY EMAIL AND POST TRACKED DELIVERY)   Dear Blue Motor Finance Team,     I entered into a Hire Purchase agreement with you on the 27th of October 2021.     I picked up the vehicle, a Citroen C4 Grand Picasso EXCL BLU on the 30th of October. On my way back home, after driving it for over an hour, the seatbelt alarm for the middle row left hand side seat went off. It was unsettling and dangerous as the alarm went off several times for long periods of time, distracting my driving. There was nobody in that seat, nor any object leaning on it.    I also noticed last night that the clutch of the vehicle is slipping when engaged in gear and accelerating with emphasis. The engine revs up but the car does not react accordingly. This is a serious issue that needs to be fixed as soon as possible to avoid further and serious damage to the transmission. This issue only happens when the throttle is put down with emphasis in 4th, 5th and 6th gear. When the car is driven slowly, the issue is not noticeable at all and the car responds normally, hence the fact I had not noticed before.    I will not drive the car in order to avoid further damage to it.    This car was not of satisfactory quality at the time of sale and if it was, it has not remained in that condition for a reasonable period of time.    I would like to kindly ask you to provide a response in the next 7 days, as time is of essence here.    I bought this vehicle for work reasons and I do not have a suitable alternative vehicle. I would like to kindly ask for a replacement vehicle until the car is repaired. If this is not provided, I might need to rent a vehicle for work. If this is the case, I will be looking for a reimbursement of the expenses incurred in doing so as well.   As I am within six months of the date of purchase, I am asserting my rights under the Consumer Rights Act 2015 and I am providing you with a single opportunity to repair the vehicle failing which I will consider a full refund.    I have sent a copy of the letter to the dealership and I kindly require you to enter into discussions with each other to discuss whether or not you are going to repair the vehicle or declined to repair it in which case I would like to know what arrangements will be made to refund me my money and to remove the vehicle from my property.    I would like to ask you if you are a member of or willing to use ADR to resolve this issue as an alternative to an undesired court case.    Kind regards,   2- THEIR RESPONSE received on 6th Dec 2021 by email.     Good Morning,    Thank you for your letter dated 2nd September.    As the dealer has the first opportunity to repair under the Consumer Rights Act 2015, the vehicle has not been returned to the dealer and/or we have not been provided with evidence by means of a diagnostics to confirm the faults you are experiencing with your vehicle.    The dealer has also advised that you have warranty with your vehicle, which enables you to take your vehicle to a reputable garage for repairs. Please could you confirm if you have exhausted all avenues?    As a regulated business, the FCA allows us 8 weeks to investigate a Complaint and therefore please allow us this time to investigate your concerns, once we have sufficient evidence.    Should we establish liability, we will review the possibility of offering a hire vehicle, however we are not required to mitigate customers losses as the vehicle should be for personal use not business.    Once we have the evidence required to establish our liability, we will be able to discuss this with you further.  
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new girl Sarrah v HSBC - SETTLED IN FULL


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Write back placing the amount in dispute IMMEDIATELY. Once it's in dispute they cannot take ANY punitive action. There's a template somewhere :confused:

 

Placing it in dispute will give you TIME to get this claim in, and to sort things out.

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Yes, reply to him.

 

I guess all you have to say is something like the following:

 

Dear Mr Bowden

 

I am in receipt of your letter regarding my overdraft being outside the limit agreed with the bank. However, as the account is in this state purely due to the unlawful charges levied by the bank on it, charges which I am at this moment legally challenging, I dispute that I owe this money in part or at all.

 

Therefore I would be grateful if you would immediately freeze any action you propose regarding this amount pending the result of my imminent court action. Take formal notice that as of the date of this letter, this amount is in dispute.

 

I KNOW there is something better out there but I think this serves the purpose.

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thanks guys, i will send letter to M Bowden that stonelaughter is suggesting.. do you think i should also send a scathing letter about this to A Pretty and those jokers at leeds as well who i sent my LBA too ?

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This is the letter i propose sending:

 

I am in receipt of your letter regarding my overdraft being outside the limit agreed with the bank.

The account is however in this state due to the unlawful charges levied by the bank and I am in the process of legally challenging these charges. I dispute that I owe the amount in excess of the limit as in fact HSBC owe me £104 on this account due to unlawful charges levied since the account was opened. Once this has been credited back, the account will of course be restored to within limits and I will be in a position to make further repayments to my overdraft.

 

Therefore I would be grateful if you would immediately freeze any action you propose regarding this amount pending the result of my imminent court action.

Take formal notice that as of the date of this letter, this excess amount is in dispute.

 

Think its ok??

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no its having none of it, cant work out deletion.. far too technical!

 

Anyway thanks stonelaughter i will send that off today special delivery for sure..

 

I better also prep this claim over the weekend before they take me to court first if i am not careful!!!.. .. aaahh what a stress :o

 

I vow that if i ever get rich one day i intend never to use banks again but store my millions in biscuit tins under my bed :x !

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oops i posted twice.. can someone delete one?! I am such a numptey :lol:
Sorted - and don't worry, you WILL get your money back. Good luck. :)

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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.

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many thanks spiceskull! i hope you are right about getting my money back but the banks REALLY dont like me!

 

Letter has gone off to M Bowden registered post today...

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i hope you are right about getting my money back but the banks REALLY dont like me!
They don't like me either, but I still got every penny returned...:)

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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.

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After my dramas with the bank last week.. saturday morning i received a leter from bank offering me my full £198 in final settlement !!! I sent back immediately by recorded delivery & have asked for it to be transferred straight to my account so just waiting now!! :)

 

Am so delighted! :D Thanks guys.. a wee donation will be en route once the money hits!

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Dhum, dhum, dhum...another one bites the dust. Great result - well done.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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.

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CONGRATULATIONS

This is great news, well done.

Would you please fill out our survey - HERE

(and don't forget we can only survive if we get donations!! cough cough)

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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  • 12 years later...

This topic was closed on 2019-03-08.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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