Jump to content

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Hi all, I hope you are all well in this strange time? I'm trying to assist my cousin in a complaint that she has with the PDL Uncle Buck, and I've reached a stumbling block. Loan Amount:       £400 Charge for Credit: £350 Agreement Date: 05-Oct-2018 Disputed Balance: £276.79 From initial information I've seen it's been a comedy of errors with there administration side, but for her, misery. Original Payment schedule sent out to her started from 26.03.2019 - she questioned this. They never replied, so took it as that was 1st payment date. 7th Nov 18 she gets a Missing payment and a charge. Questions this, they adamant charge stands as it was a clerical error, she again disputes. 3 weeks of in arrears messages, they eventually agree to refund £15 - but now insist on I&E as she missed the payment - no change in circumstances. She asked for 3 days grace til payday. No reply.  Default notice issued. This eventually gets it self sorted and they missed payment was factored into the remaining. Dec 18 her fiancee passed away, no way to afford the payments & funeral costs until insurance settles  - UB continue to harass despite telling them the issues. Some how she finds the cash an pays something towards the balance, just to stop the harrassement. She loses her job in Feb 2019 - informs people she owe money to, that now on uni credit. UB state that if she pays x amount they can do a payment plan as she's already in arrears. I told her it's against FCA Conc regs, she emails them - nothing back. No chase emails / calls or anything till end Apr. Settlement offer - pay £355 and we will take care of the remaining balance of £535 she emails them to say she can afford £50 pcm based on the the settlement - they agree. August she gets a statement, remaining balance £235 - they had not used the settlement figure as this was to be paid in full only and also incurred missed payment charges(?) I write an email for her email requesting DSAR etc sent on 1st Sep - acknowledged 10th Sep - info sent through 10th Oct - Account was placed on hold from sept til receipt of DSAR. DSAR shows - comment of being financial difficulty, on UC, payment schedule - 9 call attempts, 4 CPA attempts (she requested this to be cancelled 2mths after taking out loan) list of charges and interest after being informed on UC and put into payment plan. Complaint goes off - complaint partly upheld - £235 still outstanding. Complaint again. Account on Hold again. Fast forward to Jan 2020 - Complaint still being looked into will have response within 6weeks.. Email received - Settlement remaining Balance £320 (they added further charges!) can do 40% settlement in 2 payments. Email goes back stating it's under investigation, would accept £150 settlement but over 5 payments. No reply. 21st Feb - Email Settlement remaining balance £276.79 - can offer settlement figure of 195 but require a payment of £55 within 3days --- this is still despite her being on UC and no reply to settlement. She replies - stating can not afford £55, can do £10 pcm to settle. - They accept, but the balance is now 266.79 and not the 195. No acknowledgement. Payment schedule issued for 10pcm totaling 266.79 -- questioned again - no reply or acknowledgement. March - she notices that UB is no longer on one of her Credit Reports. I told her to check Credit Karma & Totally Money - Both show that they are marked as "Settled"  £0 balance from 03/03/2020 So left it as that. May she gets a call from UB collections, chasing £266.79 as she's defaulted again on her agreement (note - they've never acknowledged any questions) - she informs them that as far as she and her credit reports are concerned she owes nothing. Also stated that even if she did - it should be written off, incorrect balances and reporting and as it's gone against CONC where they insisted on a Payment to set up a payment plan. Person raises a complaint on her behalf and said she is going to get the Credit reports amended as it was a clerical error. 26th May - Sum Of arrears notice " On 05-10-2018 you entered into a fixed sum credit agreement with us under which you borrowed £400.00 repayable by 6 monthly instalments. Your arrears under the loan agreement The opening balance (which is the total amount that is due and owing under this agreement) at the date of the previous Notice of Sums in Arrears (dated 26-11-2019) that we sent to you was £318.27. On this date, the payments that you had failed to pay when due under your credit agreement amounted to £259.29. We are required to periodically send you Notices of Sums in Arrears, at intervals of not more than six months, while you remain behind with the repayments due under your credit agreement. The balance now due under your loan agreement on the date of this notice is £266.79. The total amount of your arrears (the sums that you have failed to pay in full when due in accordance with the terms of your loan agreement) is £207.81" 29th May -  We acknowledge your complaint and are sorry to learn you are dissatisfied with our service. Uncle Buck Finance LLP T/A Uncle Buck (the Partnership) was placed into Administration on 27 March 2020. I confirm that Paul Boyle, David Clements and Tony Murphy of Harrisons Business Recovery & Insolvency (London) Limited were appointed Joint Administrators of the Partnership. They are licensed to act as Insolvency Practitioners by the ICAEW. They are bound by the Insolvency Code of Ethics when carrying out all professional work relating to an insolvency appointment. Today - Final Response:   How Uncle Buck understands your complaint You are unhappy that according to your credit file the balance of your loan had been settled and now you have been advised this is incorrect due to an error made by an agent. Our Investigation and outcomes  An email was sent to you on the 21/2/20 offering a settlement figure of £193.75 against your outstanding balance of £276.79 and that if accepted this would close your account. We advised that we needed a payment of £55.35 to hold this settlement offer. You responded to the email the same day advising that you were unable to take advantage of the offer and asked if we would accept your original offer of £10 per month. We responded on the 24/2/20 asking you to complete an income and expenditure form. This was sent back to us the same day. On the 25/2/20 we advised you that we accepted the offer of £10 per month.  You then responded with the date you would be making the payments, confirmation of this was sent on the 26/2/20.  You then queried the amount outstanding; Claire then spoke to you to discuss why the balance was not the £193.75 as this was a settlement offer. < She has never spoken to anyone about this. -- the person who raised the complaint said an email was sent out! As previously advised the agent who made you a partial settlement offer on the 21/2/20 made an error and added a code to your account which meant that your credit file was shown as partially settled. This has now been corrected. I apologise that this error was made and will be upholding your complaint.  However, I can not agree to write off the balance due to this error.   At no time did you receive correspondence from Uncle Buck advising that your balance had been paid.  You were advised on several occasions after this date what the balance was and a payment plan was agreed. Please contact our collections department to discuss the arrears on your account by the 11/5/20.  If no contact is made then collections activity will commence and your account will be removed from write only. This is our final response. Please note, any complaints raised to the Financial Ombudsman Service (FOS), will be directed to Harrisons Business Recovery & Insolvency (London) Limited.  They are no longer dealing with any complaints raised for the Partnership. And that's where I come to a block - they are saying that FOS will not deal with this complaint, really do not know what next steps are for her to get this resolved. Am I correct that they should not be asking for a payment to agree a settlement especially when someone has declared financial difficulty Any advice would as always be grateful  
    • Please dont forget dca's are NOT BAILIFF s and have ZERO legal powers on ANY debt.   might pay you to read a few threads in the debt self help forum too you'll soon get the idea   Dx
    • Fair enough London1971,    London1971 and Dx thank you for your help, I really appreciate it.    I'll keep you posted on what happens.    Stay safe, take care.    FSR
    • In future, all communication needs to be in writing only, by that I mean good old fashioned post, not email even.  Phone Operatives are trained to intimidate, lie, make you feel guilty, so that they can cash their commission. Right now times just got a whole lot tougher and they are even more determined to earn money whatever way they can.  When you communicate by post, this tactic is taken away from them, and they can't pressure you into doing something not in your interest.  
    • Ok, I see.    If the DCAs and creditors pursue the debt, is there a possibility that bailiffs or debt collectors can turn up at the door?
  • Our picks

fmiky

Non-genuine EGR installed on used car

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1283 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,

 

three months ago I purchased a vehicle from a small dealer.

The car worked fine until exhaust inspection system fault light came up on the dashboard.

 

 

I took it to a genuine garage

after a long investigation,

I was told that EGR unit has been replaced on this car previously for a non-genuine one.

 

 

Being a non-genuine part the genuine garage could not reset the system or update the part in the system.

the only solution was to replace the part for a new one to fix the problem (~£880 for works and parts).

 

 

At this point I wrote to the original garage, which I bought the car from, and asked them to fix the problem at their cost.

 

 

Car was with the dealer for one week after which he claims he has "fixed it by resetting the car's system".

When I asked for details of the work he has carried out, he has refused claiming that since I did not pay for it I am not entitled to know what works they have carried out. This cannot be right!

 

 

I told them that I was not aware before the purchase that the car had EGR replaced and thus I believe it has been mis-sold to me.

 

 

Garage's response is that they do not know ALL the work that has been carried out on the car before they purchased it.

The thing is that they claimed it was FULL service history provided on a print-out before the purchase.

This info was only given to me orally though... not in writing.

 

Thing is that I do not want non-genuine EGR installed on the car

(next time something goes wrong, the genuine retailer won't be able to help me again).

 

 

I would not have bought the car had I known this work has been carried out on the car before I purchased it.

What do you think are my rights now?

Does this not constitute "not being of satisfactory quality" as per Consumer Right Act 2015?

 

is the vendor's lack of knowledge an excuse for them to sell car with any unknown history as long as it works?

Let's assume that the vendor did not say "this is full service history print-out" and had no idea about what has been done to the car in the past. That means that whoever they bought the car from lied to them.

 

 

Is the fact that I found out the truth not sufficient the claim a refund, regardless of whether the culprit is the vendor himself or the one before him?

 

Thanks

Share this post


Link to post
Share on other sites

Can you tell us a bit about the car you bought please. Make, model, date, mileage, price paid


Share this post


Link to post
Share on other sites
Can you tell us a bit about the car you bought please. Make, model, date, mileage, price paid

 

Skoda Fabia Greenline II, year 2012, 52600 miles (on day of purchase) / ~58000 miles now, paid £5295.

Share this post


Link to post
Share on other sites

all he has done is reset the ecu alarm.

its very common not to fit genuine parts

and for skoda garage its easy money to say it will cost £800 to replace it

when in all truth there is no need to replace it at all

just the skoda garage on a fleecing exercise.

 

 

a generic EGR wont hurt you car at all.


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

I tend to agree that you aren't necessarily entitled to expect a genuine one fitted to a car of that age and that price. The car which you buy must be of satisfactory quality and must remain in that general condition for a reasonable period of time given all the circumstances of the item sold. For instance, you wouldn't expect a 10 year old car to last as long as a brand-new one. But then you pay a reduced price because you are missing 10 years of its life.

 

What you can expect is that the car you for continues to work for a reasonable period of time. In my view if the EGR as packed up after three months, then you should probably expect rather better than that. On the other hand, it probably wouldn't be reasonable to expect a new one by way of a replacement – even a non-genuine one. What is the normal mileage that you would expect from a new nongenuine replacement?


Share this post


Link to post
Share on other sites

i would expect the ECU EGR alarm was simply because it has been replaced with a generic one

not that its faulty.

 

I would also expect that it came up because the car was probably left to go flat on the forecourt and the ecu reset itself.

many ecu's are programmed to alarm if non genuine parts are fitted.

 

just another way for manu's to fleece you.

as you've found out at the skoda garage.

wait and see if it comes back on

 

if it doesn't - its the fake part alert only of the ECU.

if it does

then the EGR might actually be faulty

eitherway you cant tell

 

unless the skoda garage told you the fitted one was duff, not just a generic part?

 

done loads of various car sensors, and that's normally why the ECU alerts the dash warning

esp on modern cars and yours is [2012]


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites
I tend to agree that you aren't necessarily entitled to expect a genuine one fitted to a car of that age and that price. The car which you buy must be of satisfactory quality and must remain in that general condition for a reasonable period of time given all the circumstances of the item sold. For instance, you wouldn't expect a 10 year old car to last as long as a brand-new one. But then you pay a reduced price because you are missing 10 years of its life.

 

What you can expect is that the car you for continues to work for a reasonable period of time. In my view if the EGR as packed up after three months, then you should probably expect rather better than that. On the other hand, it probably wouldn't be reasonable to expect a new one by way of a replacement – even a non-genuine one. What is the normal mileage that you would expect from a new nongenuine replacement?

 

I heard somewhere that EGR lasts about 60,000 miles on average. That means, if it has been replaced before and it malfunctioned at 58,000 then the quality of the EGR must have not been great.

 

Isn't it a case of misrepresentation if a garage tells you that "this printout contains all the works that have been done on it before" and then you accidentally find out about that the EGR unit replacement which btw. is not on the list? Does it not void the contract between you and the other party?

 

Skoda garage said they cannot do anything about this unit other than replace it. So as a result I have to go to some shady back street garage which can hack into the car and make it work by some questionable works that they don't even want to share with me. That doesn't sound right to me. I want to go to Skoda genuine retailer (the guys who made the car in the first place) and the car to be serviceable by them. If it is not serviceable by genuine Skoda garage then in my opinion this car is not of a satisfactory quality.

Share this post


Link to post
Share on other sites

well that's why the car manu's love customers like yourself then..

prepared to pay 2 3 4 or even 5 times the correct price for parts and service,

 

 

just remember

its the manu that put that little bit of code in their cars computer [ECU] just so these episodes come about...

and thus they fleece you with this rubbish

 

 

just like the VW debacle with faking the emissions readings..exactly the same game...


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

You're quite right, that if you are handed a sheet of paper and you are told that it contains the list of all the work which has ever been done on the car, then you are entitled to rely on that as part of the contract. The difficulty is whether it is written down or whether it was simply said to you by word-of-mouth. If it was simply by word-of-mouth then you have no evidence for that statement. On the other hand, if the list is headed something like "full service history" then maybe you have a basis for making a complaint.

 

There are two aspects to making a complaint –

there are two aspects to making a complaint – having something to complain about and secondly proving it.


Share this post


Link to post
Share on other sites
You're quite right, that if you are handed a sheet of paper and you are told that it contains the list of all the work which has ever been done on the car, then you are entitled to rely on that as part of the contract. The difficulty is whether it is written down or whether it was simply said to you by word-of-mouth. If it was simply by word-of-mouth then you have no evidence for that statement. On the other hand, if the list is headed something like "full service history" then maybe you have a basis for making a complaint.

 

There are two aspects to making a complaint –

there are two aspects to making a complaint – having something to complain about and secondly proving it.

 

In the auto trader advert it said "VOSA History", on the print-out it said "Vehicle History History Report".

 

Strange thing is that when I called the Skoda retailer that sold the car the first servicing date and mileage they provided me over the phone did not correspond to the one on the printout - it was two weeks sooner and with higher mileage. Not sure what to think about this... all the trust I had in this car is gone to be honest.

Share this post


Link to post
Share on other sites
well that's why the car manu's love customers like yourself then..

prepared to pay 2 3 4 or even 5 times the correct price for parts and service,

 

 

just remember

its the manu that put that little bit of code in their cars computer [ECU] just so these episodes come about...

and thus they fleece you with this rubbish

 

 

just like the VW debacle with faking the emissions readings..exactly the same game...

 

I understand that genuine retailers cost more but usually you have the security of a big company following certain standards and someone who will sort things out without hassle should anything go wrong.

 

Skoda quote for the EGR replacement was £880, the small garage quoted me £700 for the same job with a genuine part to be installed. I think £180 is worth the hassle-free experience.

 

Plus, finding a good garage is a story on its own. There are countless cowboys around who not only mess your car up and charge a bomb but also try to trick you into getting a job done which is not required. So unless you know honest and high quality garage around Leicester I will have to stick to the genuine ones for the time being.

Share this post


Link to post
Share on other sites
In the auto trader advert it said "VOSA History", on the print-out it said "Vehicle History History Report".

 

Strange thing is that when I called the Skoda retailer that sold the car the first servicing date and mileage they provided me over the phone did not correspond to the one on the printout - it was two weeks sooner and with higher mileage. Not sure what to think about this... all the trust I had in this car is gone to be honest.

 

*"Vehicle Maintenance History Report" :)

Share this post


Link to post
Share on other sites

I think you should be more worried about the differences in service date & mileage than an EGR.

Do yourself a favour and have the EGR valve blanked off as it's not needed. Only fitted to all cars since SOME markets demand it. Car will probably go better without it.

Very sorry to read your ideas of small garages---main dealers in my experience are at least as bad as you describe "Back Street" garages. Every car repair business has to start somewhere!!!!!

If you want a car repaired properly, then find a family owned garage which has been going for years--possibly out of town. Here you are more likely to find mechanics who work on "Experience" and not just a computer fault code.

Today's modern motor trade thrive on people like you who think only the big boys can do the job properly---NOT SO.

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...