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    • Hello, welcome to CAG. Can you tell us more about what happened please? Who stopped you and which shop? Best, HB
    • You don't mention what the debts are, which is important, as it really depends on the details in deciding best course of action. So list types of debt e.g credit card, type of loan, utility bill; current owner bank or dca; approximate amount for each debt.  And do you own any property assets. There is no blanket advice regarding all types of debts. Whoever you contact regarding debt advice would want to know all of the information. The debt buying businesses deal with multi billions worth of debts. They can't issue Court claims for most debts as the cost of pursuing would be ruinous and don't have staff resources. Instead they rely on credit records being impacted and therefore people need to resolve the debts. And they rely on anxious debtors paying amounts after receiving threatening communications. If you know you are likely to be made redundant, start looking for other employment soon. Due to longer recruitment processes being followed by employers, it can take about 3 months between applying and starting a new job.
    • Hi I was caught shoplifting 4 items £20 worth, I’m petrified the Police will come to my house now please can you help. What can I do I worried about my job. 
    • I heard nothing more from J&P but have now had an email from the bank saying they have instructed IDR to act on their behalf?  so are they just passing it back? Selling it on again? I don’t know if this is a good or bad thing 
    • I posted a couple of years ago about our debt situation and have been trying to pay off our debt as best we can. It is a possibility I maybe made redundant in a few months time, so I am trying to find out everything I can about what happens in today’s world when you can’t pay. I keep finding conflicting advice on various sites so I wanted to post this quote to get thoughts. It claims basically that the dca will likely get enforceable documents these days and therefore it’s likely you will have to pay dca at some point during the 6 year process.    on here I read a lot of comments assuming the exact opposite of this. A lot of the threads on here state the beginning of the process but I never see conclusive stuff about what happened from start to finish to get insight into whether debts post 2015 have been enforced etc. I hear a lot here not to pay dca companies but most my debts are post 2015 debts I am all up to date on our debts but if I lose my job it is likely I’ll end up where I tried to avoid in the first place. Which is destroying our files and dealing with DCA. I’ll post it below so you can see what I mean.   It is likely that any debts incurred after 2007 will end up with all the documentation being provided and being enforceable. Therefore you should use the time while awaiting responses going through your Income & Expenditure and considering any possiblity of making a full and final settlement. It can take a number of months to reach the stage of a hearing date and exchange of witness statements and normally you would be able to settle or come to an arrangement to pay before the court hearing, once documents have been provided, although this isn’t guaranteed.
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£17.5k for 3 hours car ownership!


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I collected a used car 10 days ago.

I did not even make it home from the dealer!

I had to be recovered from the roadside due to breakdown (no gear selection or drive possible on S-Tronic gearbox).

 

 

Car went into main dealer who subsequently diagnosed gearbox failure due to a previously incorrectly fitted gear oil cap that resulted in loss of fluid and then catastrophic failure of the gearbox.

 

 

£10.5k is quoted for the repair. (gearbox had been recently serviced prior to sale by a main dealer).

I am not able to use the car until it is repaired.

 

So my response yesterday (well within 30 days) was to write to the dealer requesting a full refund.

Sent via recorded delivery and I will follow with an email once I see the letter is signed for.

 

 

In that letter I state that the car is unroadworthy, not of satisfactory quality and is unfit for purpose.

I state that The Consumer Rights Act 2015 requires dealers to supply goods of satisfactory quality.

 

Since I paid over 50% of the cost with a credit card.

I also notify the credit card company of the issue and ask that they send me a section 75 claim form in case the dealer does not respond positively to my request within 14 days.

My intention is to pursue a section 75 claim if the dealer does not respond positively to my request for a refund.

 

I am curious to understand if I should physically return the car to the dealer at this stage or if I wait for the dealers response?

 

Thanks in advance for any thoughts or suggestions others may have as to the steps I am planning…

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As you now know that the dealer has received your correspondence, I would suggest that you follow up now with a telephone call – after first having implemented the advice in our customer services guide – and try to have an amicable conversation and get the dealer to agree that you can return it.

 

If he prevaricate's about this then you will probably be best off returning it to the dealer – as long as you can delivery onto his forecourt because you definitely don't want to leave in the road.

 

Also, I suggest that you protect yourself by getting somebody else to come along and witness that it was returning good condition and then take photographs of it and also maybe video of it being returned and being left on the forecourt so the condition of it is clear. This will help to stave off any arguments later on that you might have returned in a damaged condition.

 

The dealer may want a final opportunity to repair it but as you know, you're not obliged to agree to this – and it sounds to me as if this is the kind of contract you want to get out of as quickly and as cleanly as possible.

 

How are you proposing to deliver the car? At whose expense?

 

How you made it clear to the dealer that you are putting in for a section 75 refund? I think that it is worth letting him know this and inform him that if there is any problems about his obligations under the CRA that this could affect his relationship with the credit card company and make it difficult for him to use the facilities in future. I suspect that this would concentrate his mind

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Thanks your comments... The dealer should get the letter tomorrow.

I will take your advice to call and speak with him to try to reach an amicable solution.

It is just business, things happen - I am annoyed but I don't take it personally.

 

I did not mention section 75 refund to the dealer so far.

First, I try to seek a refund from the dealer directly.

A Section 75 claim is "plan B".

 

 

My view was that if after 14 days I do not have my refund, then I progress a section 75 claim.

I am even happy to return the car to the dealer at my own expense -

but since it does not drive, it would need to be recovered there.

The cost of recovery is negligible compared to what I have paid so far.

 

I think I would accept a repair but a repair done by an appointed repairer of my choice

. Otherwise, a full refund is my preferred remedy.

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Update: Spoke to the credit card provider today who said that at this stage it was not possible to open a section 75 claim but they would put the transaction "into dispute". Someone else would call me to discuss this dispute and at that stage I could discuss a section 75 claim. My concern there is that section 75 covers the whole purchase cost; whereas the transaction that is now in dispute is only around 50% of the purchase price..

 

 

Next step, to speak to the dealer once I see they have signed for and received the letter. They are anyway aware of the issue. I sent them pictures and email of my car broken down on the motorway 3 hours after collection. I have been keeping them informed with polite emails so far. The letter is the first clarification of how I would like them to remedy my issues.

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Dearer has now received my letter. They came back to me with 3 perfectly reasonable questions to establish further insight and details. They understand my request and will come back to me... I give them to the middle of next week and then follow up with a call.

Meanwhile, the credit card company have also received my written letter of intent to pursue a section 75 claim.

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£10.5k is quoted for the repair. (gearbox had been recently serviced prior to sale by a main dealer).

I am not able to use the car until it is repaired.

 

Don't bank on either the seller or the finance accepting that obvious rip-off quote for a repair.

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Refund is anyway my preferred option. That price is Audi main dealer "retail" price. I agree cheaper options would be possible. Like a used or reconditioned unit for example..

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How old is the car and what sort of milage has it done? You would expect most gear box's to be maintenance free for 100k and the you would change oil and filter

 

Done 200k miles on my A6 on the same gearbox.

Changed gearbox oil at 60k interval.

Still smooth and precise.

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Car is a 2012 (C7) model registered late in 2011. 92k miles on this car and it had a gear oil and filter service at 89k by Audi main dealer. I always get gearbox services periodically (and if I do not see one previously in the service history when I buy a car). My local ZF specialist recommends to service them every 38k but that sounds a bit over zealous to me considering some used to claim the boxes are "sealed for life". 60k feels about right and has served me well on my other car with a ZF box @146k miles so far and still feels like new...

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If you are going for a rejection and a refund, then don't give the dealer permission to fit a new gearbox. The seller can do it for a couple of hundred.

Edited by Conniff
corrected spelling typo
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  • 1 month later...
If you are going for a rejection and a refund, then don't give the dealer permission to fit a new gearbox. The seller can to it for a couple of hundred.

 

Update: The book time on this job is nine hours and I can't find a used 7 speed S-Tronic gearbox anywhere for less than £1k. But regardless; the finance company have paid a credit of £10.5k which is the cost of the repair as quoted by the Audi main dealer. So it worked out in the end :)

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