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    • As I recall the only thing you tried telling us was based on a quote that you selectively edited by Lord James of Blackheath. You misrepresented it as a statement of fact when it was actually a question which was laughed at by his peers in the House of Lords.  We told you it was garbage, you asked us to prove it and we did.   Remember?
    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
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son123

help with arnold clark finance - have i been mislead?

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Good evening,

 

I bought a car (Car A) from Stetford Arnold Clarke, July 2014.

I made a Payment for Car A against personal hitachi loan

- £500 in cash and a Peugeot 206 trade in which was in good shape and just through MOT.

 

The original sale was dealt with by a relatively new member of staff who really pushed the sale of an audi A3 as she drove one.

 

What was alarming to me at this time was that the sales woman said the deposit had to be processed before the car would be dispatched from Glasgow branch.

 

Payments started coming out monthly from August 2014.

In September, the colouring of the car started to fade and I went back to Arnold Clarke to complain about this.

I was told that a respray was out of the question but that they would buff.

 

I then went back to AC in December to ask about my options with the car.

The reasons about asking for this was due to my working commitments and imminent changes to my working life.

 

Arnold Clark said this downgrade would take my monthly payments down if I handed the Audi back and opted for a cheaper car.

 

There was also an expectation of a cash payment at this stage but I'm not really sure why this was, so I give over another £100.

 

He then said, I'm going to ring up the people from Hitatchi and they agreed to 'take it back, no problem'.

 

As a person who doesn't work in this industry, I was assured that this was the 'end' of the original loan associated with the Audi and he assured me this was the case.

 

Following this, he then signed me up to the new loan (Car B)

but at no point did he make it explicit that the new loan was being added on top of the existing one.

This really didn't make sense to me and why would it?

The very reason I was back in AC was to change my car option and the associated loan repayments, when in actual fact, I ended up paying for the total of two.

 

I visited another few times were I mentioned to the sales staff that I would be more than happy to take any 'banger' they had on the yard.

 

Surprisingly, this was not taken up as a viable option which was confusing to me as the staff were fully aware that I wanted to downgrade.

 

I have rang Hitachi finance (who the money is owed too) who sympathised with my situation, several times, to see what I could do.

 

The first phone call was from me to query why the repayment total was so much;

totally opposite to the reason for downgrading.

I now roughly have to pay back £10, 000, and I have paid about £4, 000

– the car in worth about £1200.

 

I have rung Arnold clark several times and left all my details, but they have never rang me back.

I also have sent them emails and they have not replied.

 

So I am looking for advice

– has Arnold clark done anything wrong?

 

Have I any way of negotiating this ‘loan’?

I have a lot of paying back to do and it feels like I have been ripped off.

 

I would be happy enough with maybe having a big loan to pay back if it was going towards a very good car, but the car probably needs changing in the next 6 months.

 

Any advice on this matter would be greatly appreciated.

From reading through the comments, it seems that many people feel misled.

 

Summary:

I took out an audi a3 and put down a puegeot 206 and £500 deposit.

After a few months I wanted to downgrade as repayments were too much.

Arnold clark took the car back and settled the figure.

 

I took out a new car on a more affordable monthly repayment.

They didn’t tell me though that the new finance deal was added onto the first one.

Now I have £10, 000 to repay for a car worth £1200.

 

Is there anything I can do?

 

The questions I have are:

1 – has Arnold clark done anything wrong

2 – Have I any way of negotiating this ‘loan’

3 – is my issue with Arnold clark or hitachi?

4 – What should I do next?

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Hello and welcome,

 

I've moved this thread to the appropriate Forum.

 

What was the price of the Audi A3, how much did you get for the Peugeot 206, how much was the Hitachi Loan for the Original car and what was the amount you would have to pay to settle the loan including interest.


 
 

Any advice I give is honest and in good faith.:)

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I don't have any of that information to hand. I think I was given £800 for the 206 - this was to bring the original monthly repayments down. I think total repayment now is about 7k.

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Hi,

 

You should have the finance agreement from Hitachi Finance for the transaction regarding the Audi A3, including the trade in price and the cash deposit you paid.

I'm taking it the Interest would be quite high on this agreement meaning there was no way you would have enough to pay of the original loan when you returned the Audi.

 

Well saying that, without knowing the exact figures there's no way we can help you sort this out.

 

If you could post back with the details for the Audi transaction and the details for the second deal it would make it much easier for people to help you.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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did you VT the audi

or did they con you into VS?

 

even if they VT'd the Audi you still would have had to have continued to pay till you had reached the 50% mark

 

if they VS'd then you would still be liable for full value of the load.

 

I suggest they added the sum needed to bring you to the VT mark to the cost of the new agreement with car B.

and you signed that?

 

anything ring any bells

 

dx


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I remember I went back in the December, stated my issues.

 

They said they could sort things out.

 

I picked out a cheaper car and we went back to computer.

 

He said they had agreed settlement fee and my price of monthly payments s was down.

 

What is vs or vt? I will get all details tomorrow

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ah sorry I see the links are not working

 

Voluntary termination - under your rights of the Consumer credit Act [your agreement is gov'd by it]

you can return the product and only have to pay up to the 50% mark of the total sum of the agreement.

 

voluntary Surrender - no rights at all, you have to pay total outstanding finance minus price they give for the returned audi.

 

I take you have a copy of the old cancelled agreement and a copy of the new one?

 

VT you would of had to of signed that you wanted that and sadly they wouldn't of told you you could do VT and save £1000's.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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You state in post #1 the finance was provided by a personal loan

 

Please confirm the exact agreement types that provided the finance

 

Eg personal loan, hp, conditional sale etc


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Hi,

 

I have been in touch with Arnold Clark.

 

Loan one was for car one and when I went back, they said it was a personal loan.

 

They said a settlement figure for car 2 was got and that is where the negative equity came from.

 

They did say I perhaps not got told about it all.

 

They advised me to sell the car and try and pay off the loan quicker.

 

I still need the details of loan one.

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sar time then

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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