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    • You say that you had some communication with Blue Motor Finance. Did you do this on the telephone or in writing? You should read our customer services guide. It's extremely important. You should try to do everything in writing but if you have to do things on the telephone then you should make sure that you make detailed notes of your call and then confirm them in writing. So for instance if your discussion with Blue Motor Finance was on the phone, you should make a note of everything that was said – including the fact that they said that the matter would have to be investigated because the dealer was prepared to carry out repair – and you should send this to be motor Finance with a note confirming that this was the conversation they had with you. It is very important to develop a paper trail. Otherwise everything becomes deniable. The situation is that if a defect occurs within the first 30 days of ownership of the vehicle then you are entitled to reject the vehicle under the Consumer Rights Act. You have to assert this right by contacting the dealer – and in this case Blue Motor Finance – in writing and point out that you are asserting a right under the Consumer Rights Act 2015 and you are rejecting the vehicle. Tell them that you want arrangements to be made to give you a refund of all costs including any costs or interest which has been levied by the finance company. Be tough with the finance company. Don't act as if they are do you a favour. Make sure they understand that you are not in the mood to muck around and you won't wait very long either. Don't forget that in this case because you have purchased the vehicle through hire purchase, it is Blue Motor Finance which is the responsible party. That is going to be helpful because if you had had to deal only with Chobham, you would have had very serious difficulties. In addition to writing to Blue Motor Finance to assert your rights, I suggest that you send them a copy of the article from the daily mail which has been linked above and you can draw their attention in your letter to the fact that this is the company that they are dealing with. You can send these messages to Blue Motor Finance by email. You should do this urgently. This weekend. You should also tell Blue Motor Finance that you have now taken advice and that you now understand that their initial statement that the matter needed investigation and that the dealer was going to carry out repair, is unacceptable and actually unlawful and contrary to the short-term right to reject contained in the Consumer Rights Act. Tell Blue Motor Finance that if they will not cooperate immediately in returning all of your money and cancelling the finance agreement that you will consider legal action against them for breach of contract and also for treating you unfairly country to their statutory duty under regulations developed by the Financial Conduct Authority. You should stop driving the car immediately. How far away from you is the dealer? Frankly you want to get rid of the car as quickly as possible. If you had not had finance in place then we would have cautioned you about this because you could end up losing possession of the car and also not having your refund. However, as you are dealing with a regulated finance company, and of course as the money has been loaned to you and you have not paid a great deal of it back it, your best interests would be in getting rid of the car so that it is no longer your responsibility to maintain, to insure or to generally worry about.   In addition to the hire purchase loan, did you pay anything on deposit? How did you pay? Did you pay by cash or by debit card or credit card? If you're confident then you should drive the car carefully to the dealer and leave it with them on their forecourt. Do not leave in the streets. You should photograph the car inside and out so that there is no argument later on as to the condition of the car when you returned it. If you are worried about driving the car then you should tell Blue Motor Finance that you want them to make immediate arrangements for the removal of the vehicle. Tell them that you are giving them seven days to organise this at the end of which you will charge in storage at £10 per day. This is assuming that you are keeping the vehicle on your own property and not on the road. As soon as you have got rid of the car, you should take immediate steps to inform the authorities that you are not the owner of the vehicle. Make sure that when you return the car it is returned with all its paperwork but you should use whatever portion of the V5 is necessary to transfer ownership away from you. Take copies of all the documentation before you hand them back. If you fail to do this and if the dealer does not change the ownership – then you are at risk of some other person driving it in your name and incurring penalties for road traffic offences or parking offences. That will then give you more complicated problems to deal with as you have to try and convince people that you are not the owner and not the driver of the car at the time. You should calculate exactly what this whole thing has cost you. This means all of your out-of-pocket expenses including the cost of going to see the car, going to fetch it, driving it back, any expense of insuring it or anything else because later on we will help you claim all of this back. Of course you will claim all expenses and fees et cetera associated with the finance agreement. As a matter of interest, how recent is the MOT on this vehicle? Who MOT'd it?  
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    • Please can you tell us about the car you bought - make/model/mileage/price.   What are the surnames of Nathan and of Alex?   What address are Chobham Central Motors using?   As you will see from this website and from the Daily Mail article -  Downfall of car dealer who sold death traps: Chancer forged court papers and refused to pay refunds | Daily Mail Online WWW.DAILYMAIL.CO.UK Ahmed Alwaheeb's firms sold cars riddled with faults - and which sometimes had government recall notices that required manufacturers to fix safety issues - but refused to refund customers.     You have bought your car from a bunch of dealers who don't seem to be very scrupulous about the way that they operate.  However, you have saved yourself by using a finance company.  I think that you may be the first people we have come across who have not paid cash to this company.   Citizens Advice are right that if your arrangement is a hire purchase arrangement then your action will be against Blue Motor Finance -  Home Page - Blue Motor Finance BLUE.CO.UK     Chobham used to be registered with the Motoring Ombudsman but they withdrew after some decisions against them.   The so called Motorcomplaints service which is apparently run by someone called Alex, is in fact part of the Chobham/EMC etc bunch and seems to have been setup to make customers think that their complaint has been reviewed by an independent arbiter - when in fact it hasn't.   The motor complaints service to which you been referred by Chobham and which is apparently run by Alex should not be confused with the Motor Ombudsman scheme which is a legitimate organisation although frankly it's probably not very useful anyway.   All of this has been reported to Citizen's Advice and Trading Standards many times and nothing has ever been done about them.  Even the Daily Mail article failed to prompt any authorities to take any action   Blue Motor Finance are wrong to tell you that they have to investigate first.  The dealer has no right to insist upon a repair as you have reacted and asserted your rights within 30 days of purchase.   You will have to get tough with Blue Motor and we will help you.  
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SCS Cancellation policy unfair issues for Sofa I ordered

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Hi. im after some advice on how to proceed against SCS for what i believe to be unfair terms/treatment.


We went to the store on Tues 30 May 17, approx 20 mins before the store closed.


Having seen a sofa set (3 and 2 seater) we liked, we decided to place an order using the 0% interest payment option over 48 months.


The salesman was in a rush to push the order through due to the fact that the store was soon to shut.


In a nutshell,

20 days later we wanted to cancel the order in total due to no longer needing the sofa.

I rang the store to advise and i was told that SCS don't have a cancellation policy and that I have to honour the reservation.


I complained and the manager advised that according to the T&Cs that we had signed,

this information was available and that the sales person would have told me aswell.


For information, due to the fact that the sales person was in a rush, he never mentioned it to me and also while in a rush he told us to sign something electronically which turned out to be the T&Cs before we had a chance to read them.


i argue that we were not aware of the T&Cs because we were not given the opportunity to see them before signing and were also not told verbally.


The area manager advised that he would cancel the order but it would cost me 25% of the order total.

I'm not even sure this is even in the T&Cs.


On one hand they say there is no Cancellation policy and on the other hand they want to charge me 25% cancellation.


I need to know how to proceed with this, who to contact (maybe the CEO) and also if there is anything within the Consumer Credit act that they may have breached that i can throw at them.


I have not taken delivery of the sofas yet; this is scheduled for Oct 17.


Any help would be gratefully appreciated.

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Have you paid any money?


Please will you post the T&Cs here in pdf format

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Yes, I paid a deposit of £108 by debit card to hold. The balance was over finance. I dont mind loosing the £108.


On another note; which i forgot to add......i wasn't given a copy of the T&Cs

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So have you signed a finance agreement? Who is that with? Is the agreement in place now or has it to be finalised?

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Yes we have signed the finance agreement,

but again it was in a rush to place the order (on their part).

We did not view any terms.


The document was on their computer screen and when prompted to signed electronically, a digital pad was given to the wife and she signed it.


Im not entirely sure whom it was with but ive a feeling that it was with Barclays.


The finance has been finalised, but no payments have been made yet.

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I hope you won't mind me saying that you constantly refer to the fact that you were in a rush – and this somehow justify not taking any care over what you are doing. I'm afraid that this will cut no ice with anyone and it is unhelpful to you because it suggests an admission that you got rather careless about things.


Also, it looks like we having to tease the information out of you bit by bit. We have now discovered that you have finance agreement and I'm afraid that this adds another layer of complexity. Presumably the finance agreement will mean that suppliers will be automatically paid their money and that your direct debit payments will start automatically within the next month or so.


You are now in a position where not only do you have to try and arrange the cancellation of the sofa – but you also have to arrange the cancellation of the finance. Cancelling the finance might be a lot more awkward. There was probably a cooling off period on the finance agreement – but it has probably expired by now.


I think you need to to begin by getting the relevant paperwork. This is a matter of urgency if you want to do anything about it. You need to find out what were the terms of the contracts which you signed for the sofa. You also need to find out what with the terms of the finance agreement you signed.


Please pardon my incredulity, but I find that it is pretty amazing that you have managed to all of this without reading any of the terms and conditions, without having a copy of any of them and without even knowing who is apparently lending you the money.


I have had a look at the SCS website, and I see that they apply a 25% reduction to refunds to items which are returned to them because those items are in a "used state".


Clearly in your case, the sofa is not in a you state because it hasn't even been delivered. On this basis I find that 25% is excessive and I'm quite sure that it represents far more than any administrative costs.


We really need to see the terms and conditions – urgently here. There may be something in them which says that the goods do not become yours or the contract is not finalised until the sofa is selected or the sofa is delivered – or some such.


I don't think that there is much us we can say to you until you get some of this basic information. You had better hurry

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Hi. Thanks for the advice.



Ill attempt to get the contract uploaded as soon as i get get sight of it.

I don't think that you are needing to tease the info out of me.

My third paragraph advises that Finance was included.

I think that you may have miss understood my comments about being in a rush.



I wasn't in the rush; i had all the time in the world.

In my 4th paragraph i stated that it was the salesperson that was in the rush because the store was soon to close and he just smashed through the paperwork so quickly.



The point i was trying to make was that i felt that in his haste, we were not given the opportunity to peruse the full contract prior to signing.



He just basically thrust an electronic pad to my wife and said to sign in the pad.

There was no information on the pad or computer screen, it was to capture her signature which; as it turns out, is added to the contract as the signature.

Again this wasn't made clear that at that point we were signing the contract.


Ill get the contract uploaded ASAP.



Oh, the store manager is now always engaged when i ring wanting to speak with him, and he never returns my calls despite me being assured that he will.

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