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    • Excellent news! Thread title updated. Please do consider a donation in light of the help received here. The help we give is free, but try telling that to our server hosts!
    • Hello dx100uk, After months of waiting for a response I finally got a reply and I must say it was the worst 4 months of my life the - fear of the unknown. So, they wrote back and said I was in the wrong BUT on this occasion they  would not take action but keep me on file for the next 12 months. It. was the biggest relief of my life a massive weight lifted -  I would like to thank you and the team for all your support
    • I have contacted the sofa shop who are sending someone out tomorrow to inspect the furniture. I suspect if anything a replacement will be offered although I would prefer a refund. Few photos of the wear in the material, this is how it was delivered.  
    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
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Close brothers finance problem


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Hi

I bought a car from a dealer back in September

 

I've been advised that the turbo needs replacing.

I have 1 years warranty with the car

the warranty provider is trying to claim that it is wear and tear.

I have checked the policy booklet and the turbo is NOT amongst the items not covered on the scheme I have.

 

My mechanic stated that the air intake was broken around the turbo area and the seal was broken in half, he stated that it looked like a botched repair previously done.

 

I have sent the warranty provider an email threatening legal action with my findings and am ready to take action against the dealer concerned.

 

I have written a threatening letter to the RAC

(the RAC are in charge of the dealer concerned) as well but I would like some advice or ideas how I can progress this matter?

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Cra

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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forget the warranty means stuff all!!

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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What date in September??????

 

Under the Consumer Rights Act, if a defect develops within the first six months then the seller is normally entitled to attempt to repair the defect and if the repair fails then they are obliged to refund or replace the item.

 

This is called the long-term right to reject.

 

However, I'm not aware that the recent legislation has abolished the basic Common Law rules of contract. Basic contract law is that if a defect emerges which is so substantial that it undermines the value of the contract then it could be said to terminate the contract anyway – and this would entitle you to reject the item and insist on a refund. This basic rule of contract law applies regardless of the age of the contract. The benefit of the rule under the CRA is simply that within six months any fault which appears is assumed to have been there from the beginning. Under ordinary contract law, you have to do a bit of proving. No assumptions can be made. However, in this case because you have found a botched repair, it is clear that that is the condition of the vehicle at the time of sale so you wouldn't have any problems at all on simply rejecting the vehicle out of hand because it seems to me that a faulty turbo is a fundamental breach of contract.

 

Of course the easiest way to go will be under the CRA and this is why it is important to know the date in September that you made the contract – which includes taking delivery of the vehicle.

 

If you are within the six months then I should write a letter immediately and said it recorded delivery as well as sending an email and tell them that as the contract was made within six months you are requiring them to repair the defect or else provide you with a refund. Warn them that if the defect is not properly repaired then you will consider that the contract is at an end and that you will be insisting on a refund.

 

If you are within six months then get this letter off on Monday morning without fail.

 

Tell us a bit more about this warranty. Was a warranty included as part of the deal or did you pay something extra for it, meaning is it an extended warranty?

 

Warranties as well as extended warranties are generally speaking a load of rubbish and you shouldn't be swayed by a dealer saying that it includes a warranty in order to make a decision between two various vehicles. Nowadays I have the impression that dealers make a big thing of warranties in order to disguise the fact that there are much better statutory rights available. We often have people who come here in despair because their warranty has expired and they assume that they don't have any further rights.

Nothing could be further from the truth.

 

By the way, I'm not sure that you have told us the name of the dealer. Are you trying to protect them? Who provided the warranty?

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Also, before you get any repair done, see if you can get photographs of the botched repair. You will also need to get a statement from the mechanic who has told you that that the turbo has been poorly repaired

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I made the dealer aware of the fault in November/December and he turned around and said it was caused by putting Supermarket diesel in, the fault has only truthfully been diagnosed on the 2nd March and the mechanic repaired the air intake on 5th March - I bought the car on 9th September. I've emailed the garage to send a report on it though he may have mentioned something on the repair receipt.

 

The warranty was bundled with the car for free.

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Caused by supermarket Diesel! Brilliant! Absolutely brilliant :lol::-D

 

 

Of course, what the dealer isn't telling you is that Diesel is Diesel is Diesel no matter what pump it comes out of. There are no different kinds of Diesel, only different additives. But even these additives usually do exactly the same thing. Different "grades" of Diesel is a myth (different grades of petroleum accepted as there are different octane levels) perpetuated by the big fuel companies so that people buy their fuel instead of buying it from a supermarket forecourt. It's all about £££ and has nothing to do with what's in the tank.

 

Supermarket fuels (petrol & Diesel) are governed by exactly the same rules as "branded" fuels. Both have to meet minimum specifications in the UK (and worldwide) so for the dealer to say that supermarket Diesel is to blame for the fault, well, he's talking out of something that isn't his mouth :wink:

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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Okay, don't worry about what the dealer says about it. As you bought the fault to the attention of the seller in November/December, you may as well say that you were invoking your rights under the 2015 legislation and so you are now insisting on a repair or a refund.

 

If you really are not interested in having the car any more then simply say that the defect in the car is so serious that it has effectively deprived you of the benefit of the contract and so the contract is terminated and you want a refund. In that case you need to return the car to the dealer as quickly as possible, making sure that you have got photographs of it as you leave it on his forecourt so that there is no dispute about alleged damage et cetera.

 

I think you need to tell us what you want to do. If it happens that you would prefer to have the car repaired and frankly I would be wary of having it repaired by the seller. In that case, I would get a proper assessment of the damage and of the value of the repair. Get two quotes and then send them to the seller and tell them that you are intending to get the car repaired and you are giving him seven days to inspect it himself.

 

If you get the car repaired then make sure that you keep broken parts as well as a full photographic record.

 

It is really now up to you to tell us how you want to play it.

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Caused by supermarket Diesel! Brilliant! Absolutely brilliant :lol::-D

 

 

Of course, what the dealer isn't telling you is that Diesel is Diesel is Diesel no matter what pump it comes out of. There are no different kinds of Diesel, only different additives. But even these additives usually do exactly the same thing. Different "grades" of Diesel is a myth (different grades of petroleum accepted as there are different octane levels) perpetuated by the big fuel companies so that people buy their fuel instead of buying it from a supermarket forecourt. It's all about £££ and has nothing to do with what's in the tank.

 

Supermarket fuels (petrol & Diesel) are governed by exactly the same rules as "branded" fuels. Both have to meet minimum specifications in the UK (and worldwide) so for the dealer to say that supermarket Diesel is to blame for the fault, well, he's talking out of something that isn't his mouth :wink:

 

But that’s not true is it? High grade diesels, and petrols for that matter, offered by the big brand oil companies have higher quality additives and often a higher quantity too which has been proven to improve fuel efficiency and wear... the supermarket fuels do indeed meet minimum specs, but that’s it, no more.

 

It wouldn’t cause a turbo to go though, that’s just silly!

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There is no such thing as "high grade Diesel".

 

As part of my last job, now and again I found myself at the port of Avonmouth which has a massive oil terminal. Whilst most of the 'major' oil companies have storage facilities there which only service their own (road) tankers, so do the big brand supermarkets.

 

What do you think happens when (sea) tankers dock at the port?

 

These aren't carrying BP fuel, Shell Fuel or Esso fuel, they're just carrying fuel. Whichever fuel storage facility has ordered that fuel gets it. Now, let's say that that the (sea) tanker is carrying 10M litres of Diesel fuel. Esso may have ordered 3M Litres. Shell 2M, Tesco 4M and Asda 1M litres.

 

But it all comes off the same ship from the same tanks.

 

I did say that the additives were different, but the fuel itself is exactly the same.

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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You never saw the injection units at any oil terminal then?

 

Yes, but they are for the additives, not the fuel. And I've already said the additives are different (higher quality or whatever you want to call them).

 

So, with the exception of the additives, the fuel is the same, so supermarket Diesel (the Diesel itself) is no different to the Diesel you'd buy from any of the big brands.

 

I feel that we're saying the same thing here disgruntled, just in a slightly different way.

 

But we're digressing from the topic of the thread.

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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  • 7 months later...

Hi again, due to personal and financial circumstances I had a car on finance but the car became unreliable with many issues.

I stopped payments to Close Brothers due to the problems and being unable to afford them and the car was repossessed.

 

However they got really nasty towards me and tried to restart the finance without my consent on 2 occasions (not enough money in the account and I cancelled the direct debits each time).

 

After a rather heated and blue language phone call to them I have decided to change my bank to a new bank and take the direct debits I want to take with me (crucially not their one).

 

My query is that they are saying that I am still liable to pay them even after the car has been repo'd and are they legally allowed to restart the finance without my consent? The car is (or rather was) 1 year into a 3 year agreement.

 

I just need factual answers so I know which way to go.

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Key here is how much you have paid. How much was the finance and how much was paid... It could be key here...

Did you Surrender the car or did they repo it at their own control?

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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The car was worth £3500,

I paid 12 installments of £125 (about £1500) and the total finance was about £4400.

 

I told them to come and get the car as it had too many starting and running problems and I couldn't afford to keep repairing it.

I have also informed action fraud about it as well as they restarted the direct debits without my consent but I'm changing banks soon so they won't have any luck next time.

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they did VS when yo could have done VT, the Diff being VT=50% only.

VS you pay everything owed.

 

now the car was faulty...why did you have to pay to repair it? not your problem!!

it was the dealers problem not yours, and under the consumer credit act, the financiers Close Brothers, are equally liable.

 

tell us how many months the agreement was for please?

 

sadly close brothers are a very close:lol: 2nd to moneybarn in the way they treat customers.

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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No please dont do either of those!!

 

Is this..

https://www.consumeractiongroup.co.uk/forum/showthread.php?485640-Car-warranty-issue

 

You'd paid 1\3rd they should not of repo'd as they were protected goods.

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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That is the warranty issue for the same car - I did email them to end the agreement beforehand as they refused to help me with repairs to the car and it was also having a negative effect on my health.

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Ok well for history ive merged them..

 

What did you say in your email please?

Were you even aware there was vs and vt options??

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 stated that they could come and collect the car as long as the finance was finished. I could no longer afford to keep the car as it just needed too much in repairs done to it.

 

I was not aware of the options available as they never told me and never helped me with repairs for the car and never understood that there were several other options available. This seems to prove how crooked they are and how they prey on vulnerable people who are not aware of their own rights.

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i'm wondering if you can get them on either :

 

the car was protected goods

or

you ' stated that they could come and collect the car as long as the finance was finished'

bit we need your exact text please

 

eitherway there might be a chance that their actions MIGHT invalidate the agreement thus voiding it, thus you get everything you paid back and owe nothing , as well as a consummate cost today for the cars worth.

 

not sure..

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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