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    • thank you. Under the Consumer Rights Act you are entitled to have a vehicle of satisfactory quality.   If a defect appears within the first 6 months of ownership which means that the car is not satisfactory then you are required to give the dealer a single opportunity to repair or else refund you.   So the question is what condition would a car of that make model, age and mileage and price be in.   I think the best way forward is to raise the issue with the dealer but also start to make your own researches as to whether the rust damage to this vehicle is beyond what would be expected of a vehicle of that character and in those circumstances.   When you have discovered. then come back here.   Additionally, you haven't told us the cost of the vehicle. that would be helpful to know because it will affect the quality of vehicle that you would reasonably expect.   Also I asked you the name of the dealer and you haven't told us. Are you trying to protect them?                
    • Thank you Slick132. I don't have in writing how long the actual works themselves would take but believe they said it was two weeks.   I spoke with CAB earlier today and they've said I can cancel this order as the company are already in breach of the terms, plus catching them out re the manufacturer's and the buildings regs she said to put in writing that I was cancelling and mention breach of consumer protection, unfair trading regulations and the fact that they are wilfully misleading me.   She said the credit card company will handle the refund as I hoped. I don't want them working for me in any way shape or form now.
    • Hi thanks for replying, The car was registered in 2009 ½, as I said a 59 plate. Mileage, when I got it it had circa 45K miles, it now has circa 72K miles. I have had it for 3 years almost to the month. I got it from a dealership in Loughborough, on the selling point that it was low mileage and was dealership serviced. Shortly after my return home to Southampton, I took it into my local dealership for a once over, part of which entailed one of their mechanics sitting with me while I drove around locally. I wanted them to take over looking after the car for me. Hope this helps?
    • just remember a DCA is NOT A BAILIFF and have ZERO   legal powers on any debt no matter what it's type.
    • Hi.   You've posted in the self-employment forum although as I understand it you can only be made redundant as an employee.   I've moved your thread to the Employment forum, people should be along to advise later.   HB
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Starting the VT process - moneybarn **SUCCESS**


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I've started the VT process today and will keep people here updated as no one seems to have said anything about charges and what happens after they collect the car.

 

So far just had a call from moneybarn confirming BCA will be in touch within two days and then the car will be collected within 7 days.

 

 

My car is 6 years old with just over 30,000 miles and they said on the phone they don't expect it to be in mint condition but I'll be interested to see what the final bill is.

 

I'm very happy with this car but I still have two and half years worth of payments and for the little I use it, it's just not worth it.

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what charges?

they aren't allowed too under VT rules and regulations.

 

 

I take it you've sent our VT letter?

 

 

and read our like VT threads?

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Sorry by charges I mean damage to the car. Yes, I've sent the letter. Just waiting for BCA to contact me to arrange to collect it.

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hope you taken hundreds of photos

in/out under bonnet

under car using selfi-stick

 

 

they will try in on

but you simply counter by saying show me the proof it wasn't there when I bought it.

they cant end of problem

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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  • 2 weeks later...

the car was inspected and collected today.

 

 

Very smooth process, some minor damage noted.

 

 

A dent, some scratches and a cracked front grille.

 

 

I haven't seen the final bill yet but can't complain so far.

He pointed out all the damage and I felt he was more than reasonable.

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expected wear and tear which they cannot charge for...

 

 

and is specifically mentioned about in the Consumer credit act Voluntary Termination rules

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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I think what he pointed out could not be classed as reasonable wear and tear especially the cracked grille. I don't mind paying a reasonable amount but I will have to wait for the bill. I presume I won't get that for a while yet but I will let you know how much it is.

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  • 2 weeks later...

The only thing they are charging me for is a machine operated polish which is £40. Can't complain considering the other damage noted on the initial inspection.

 

I will only get my final bill once the car has been sold at auction so I think it's still possible to get further charges but I will let you know. I think anyone going through this process shouldn't worry, they seem more than fair.

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1st time we've ever had that word linked with moneybarn here....

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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  • 2 weeks later...

great success

 

 

glad we were able to help

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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