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    • Hi on the notice of disqualification it lists the 2 speed offences and marks offence withdrawn? This is for both offences and then the other 2 is the MS90s which I’m fined for and the additional costs. R
    • Hi,    It has taken a while, but I have received an email from Auxillis -  hello, we are not dealing with this claim all we do is log accident for you isnurance - the claim has been passed to your underwriter markerstudy 0344 873 8183 as they are deal with fault cliams ion behalf of adrian flux. thankyou auxillis   I have made repeated attempts to phone Markerstudy in between working from home, struggling for energy and trying to find a cheap car so that I can keep my job (community support worker). Thankfully I have a supportive team and I am being given phone calls to make but it cant last too long. I had a severe migraine over the weekend and also have quite bad whiplash in my neck and back.    I found this in my insurance policy booklet -    Protection and Recovery If the insured vehicle cannot be driven following an incident leading to a valid claim under this section, we will pay: • the cost of its protection and removal to the nearest approved repairer, competent repairer or nearest place of safety; and • the cost of re-delivery after repairs to your home address; and • the cost of storage of the insured vehicle incurred with our written consent. If the insured vehicle is damaged beyond economical repair we will arrange for it to be stored safely at premises of our choosing. You should remove your personal belongings from the insured vehicle before it is collected from you. In the event of a claim being made under the policy we have the right to remove the insured vehicle to an alternative repairer, place of safety or make our own arrangments for re-delivery at any time in order to keep the cost of the claim to a minimum     I do about 20-25000 miles a year with the work I do, I have been getting quotes and putting that I have now have one accident and no no claims bonus and the cheap quotes from similar companies to markerstudy are more than double what i paid last year at 8-900 and aviva is offering 2600 which is simply out of my price range and more than the car i am looking at.  I am starting to wonder if it is even worth going ahead with the claim as i have no one to claim from. I have had no information from any of the enquiries I have made.  I have a full tank of vpower diesel in the car in the impound, i can strip it for parts and probably make what I will be offered by the insurance payout and get the money quicker.  As I have made contact and started the process can I back out, still keep my NCB and a claim free history? Also what happens with my injuries? I don't think there is any permanent damage but my dr refused to see me and just gave me a boat load of naproxen and codeine. What happens in the future if things don't get better and I cancelled this claim? Can you claim injuries off your own insurance because the other guy ran and you cant find him? I have tried to ask these questions off markerstudy but they keep me waiting for nearly an hour then end the call.    Thank you for your time and help.  It is really appreciated.  I am quite honestly on the floor, I have been really ill, in hospital, had nearly 6 months off work and only been back full time a few weeks and now this.  The fact the company you pay large sums of money to look after you in a time of need is also behaving criminally just makes you want to give up.    
    • Thanks for the response. Am I able to send you the documents I’ve received or can you message via instant message and I’ll send these? Reece
    • Regretfully it does. Have you actually seen any papers which show what you were charged with (rather than what you were convicted of)? It is unusual not to be “dual charged” but if you were not charged with both, you are where you are. If you had been charged with both offences and providing you were the driver at the time, you could, after performing your SD, have asked the prosecutor to drop the “Fail to Provide” (FtP) charges in exchange for a guilty plea to the speeding charges (you cannot be convicted of speeding unless you plead guilty as they have no evidence you were driving). You will have difficulty defending the FtP charges. In fact, it’s worse than that – you have no chance of successfully defending them at all because the reason you did not respond to the requests is because you did not receive them and that’s entirely your fault. No it’s not correct. Six months from 18/11/23 was 18/5/24 so, unless they were originally charged, the speeding offences are now “timed out.” There is one avenue left open to you. If you perform your SD you must serve it on the court which convicted you. You will then receive a date for a hearing to have the matters heard again. Your only chance of having the matters revert to speeding (and this is only providing you were the driver at the time of those offences) is to plead Not Guilty, attend court. When you get there you can ask the prosecutor (very nicely, explaining what a pillock you know you were for failing to update your  V5C) if (s)he is prepared to raise “out of time” speeding charges, to which you will offer to plead guilty if the FtP charges are dropped.   This is strictly speaking not lawful. Charges have to be raised within six months. Some prosecutors are willing to do it, others are not. But frankly it’s the only avenue open to you. There is a risk with this. I imagine you have been fined £660 (plus surcharge and costs) for each offence. The offence attracts a fine of 1.5 week’s net income and where the court has no information about the defendant’s means a default figure of £440pw is used.  If the prosecutor is not prepared to play ball you can revise your pleas to guilty. A sympathetic court should give you the full discount (one third) for your guilty pleas in these circumstances but they may reduce the discount somewhat. The prosecution may also ask for increased costs (£90 or thereabouts is the figure for a guilty plea). So it may cost you more if you have a decent income (I’ll let you do the sums). But MS90 is an endorsement code which gives insurers a fit of the vapours. One such endorsement will see your premiums double. Two of them will see many insurers refuse to quote you at all meaning you will have to approach "specialist" (aka extortionate) brokers. So you really want to exhaust every possibility of avoiding MS90s if you can. One warning: do not pay solicitors silly money to defend you. Making an SD before a solicitor should attract just a nominal sum (perhaps a tenner). That’s all you should pay for. You have no viable defence against the FtP charges and any solicitor suggesting you have is telling you porkies. The offer to do the deal is easily done by yourself and you can save the solicitor’s fees to put towards a few taxis and increased insurance premiums if you are unsuccessful. In the happy event you find out you were "dual charged", let me know and I'll tell you how to proceed. (Seems a bit odd hoping you were charged with four driving offences rather than two, but it's a funny old world!).    
    • Just the sort of people you despise eh Jugg  You would be much happier among your mates in that room with Rayner begging for votes 
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EMC car sales of Bagshot - 30 Day Right To Reject - Vehicle Casualty Report


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Hi all,

I wonder if anyone can help with my question.

After having purchased a vehicle last Sunday,  it is found that the automatic gearbox will not change gear properly.

 

Long story short..

03/03: Collected car from dealer.

On 2 hour drive home, the car started lurching and jolting between gearchanges.

Occasionally changes we're so severe the excessive revs caused wheelspin at highway speeds.

 

04/03: Took car to local garage.

Advised to change gearbox oil as first possible remedy.

 

05 -06/03: Autobox oil changed.

No difference.

Also found several severe engine oil leaks.

Garage supplied an engineers report advising against driving the car.

Wrote formal Right to Reject email to supplier stating displeasure with the vehicle.

 

07/03: Supplier esponds asking for casualty report from gearbox specialist.

I supply the one from my local garage.

 

08/03: Supplier now demanding a report from gearbox specialist.

Standard garage report is not good enough for them.

 

My question:

Does the supplier have a right to demand a casualty report from a gearbox specialist ?

I can't drive the car due to safety reasons along with the fact I've rejected the car already.

 

Many thanks for any help!.

George 

 

 

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What the dealer decide to do and not do is his own business. It has nothing to do with you.

The dealer's responsibility is to make sure that he sells you a car which complies with all of your reasonable expectations which should be that it will be of satisfactory quality and remain that way for a reasonable period of time. Your dealer's responsibility is to give you 100% of what you can reasonably expect.
Your responsibility is to pay 100% of the money.

If you have asserted your right to reject under the consumer rights act in writing – then the next step is for the dealer to provide you with a refund – normally within seven days.

What is the name of the dealer?

Don't stand for any nonsense. We are getting too much of this where dealers then start to try and draw it out and then start carrying out short-term repairs – patching up the problem so that the whole saga draws out over months and nobody seems to be sure of where they stand any more.

You paid your money. You didn't get what you expected. You assert your short-term right to reject. You should now send a further warning giving him 14 days to provide you with your refund or else you will see in the County Court and without any further notice.

Don't make this threat without meaning to go ahead with it. Don't bluff.

Bringing county court claim is extremely easy. It's cheap and relatively risk-free and on the basis of what you say your chances of success in the court is much better than 95%.

So at the end of the day it comes down to this: what are you prepared to do about it?

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Many thanks.

The dealer is EMC car sales of Bagshot, Surrey.

 

I'm 100% willing to go in to this fully armed and to take it where it needs to go for a swift resolution.

 

I'm hopeful that it's the suppliers responsibility to collect the car.

Its complicated by the fact the car is in Kent at my work, but I'm at home in Scotland.

 

My work colleague has the keys, I have the documents.

I'm unsure as to when the car gets released.

Once the money has been transferred back to me ?

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  • BankFodder changed the title to EMC car sales of Bagshot - 30 Day Right To Reject - Vehicle Casualty Report

It is unclear whose responsibility it is to get the car returned to the dealer – but it is clear that the dealer should cover all the costs involved.

I'm afraid that we get lots of cases where people for one reason or another have bought vehicles from dealers far away from them – and it always leads to complications.

Also there is a risk that if you returned the car to the dealer and then started to sue them and they suddenly went out of business, you would be left with no money and no vehicle. You have to be certain that the retailer that you are dealing with is secure enough that they won't suddenly disappear – or change their limited liability company name.

These are all reasons why you need to move quickly on this. Dealers will realise that you have got a vehicle on your hands which you are unable to use and you may even be obliged to keep it on the street paying insurance et cetera to keep it legal.

I would certainly write to the dealer and ask them to make arrangements to collect it. Even if they won't, it's important to show a paper trail and that you have tried to give the dealer reasonable opportunities to mitigate their loss.

If you do decide to return the vehicle yourself, then if it has to be done on a transporter then you need also to make sure that you've got a couple of quotes and that you have taken the cheapest one. It's all dreadfully complicated and of course customers who simply want to pay their money and get a decent deal, don't deserve this kind of thing.

This is the kind of reason why the second-hand car trade as such a rotten reputation.

By the way, you didn't tell us the value of the vehicle

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£3700 was the price paid by bank transfer for an E Class Mercedes.

I was told by the owner that they move 100 plus cars per week.

 

I'm feeling rather confident after your replies.

 I can only thank you again.

 

Is there any way I can also claim for travel costs etc?

It's been a nightmare logistically with no car as I live up beside John O Groats !

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Yes, it's no great skin off your nose to keep a log of all the costs which you have reasonably incurred by their breach – and to add it to your claim. Of course this will increase your claim fee and eventually it will be up to a judge whether or not to award everything you are asking for. However, you are obliged to mitigate your loss and that means that there is a certain responsibility on you to get an alternative form of transport if that would mean a saving and a reduction in the amount you are eventually claiming.

Also, another difficulty is that when you issue the claim for a particular figure – if the ancillary losses you are incurring are accumulating then it will be difficult to reflect that in the claim without eventually amending the claim figure. If you amend the claim figure then that effectively suspends the proceedings and gives the other side an opportunity to defend again.

I'm afraid that your story has all the ingredients that are required to cause problems – including, big distances, and Mercedes cars for £3700.

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In light of your advice above, I'll just stick with claiming back for the purchase price at the moment.

And yes, I'll be starting clear of that particular marque in future. I scratched an itch that ended up being a sore !

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There's no reason why you shouldn't add on all the expenses you have incurred until the date of the claim. Also, check the claim fees because they are tiered.

In other words there is a fee for £1000-£2000, £2000-£3000 – et cetera. (Those aren't the tiers but it is something like that). If you find that the purchase price plus all of your losses is towards the bottom of a tier then you could express your claim form as – £XXX purchase price plus £XXX losses incurred at date of claim plus continuing losses not exceeding total £XXX.

Total = purchase price + actual losses + continuing losses.

The idea is to get a figure at the top of the tier but which doesn't cost you any more claim fee.

When you draft your claim on the money claim website, it will probably be a good idea to indicate in the tick box that you will be sending further particulars of claim. I think you have to do this within seven days then make sure you complete a certificate of service. The particulars of claim can lay out a bit more detail – but keep it factual – avoid narrative – and also give you an opportunity to particularise your losses.

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Response from dealer today as follows.

Where do I stand.

Do I need to file a complaint with the Ombudsman prior to court proceedings ?

 

Quote

"We write further to your email of 8 March 2019.

 

1. If we go by the information provided by *** Garage Services, no fault codes were visible in the diagnostics and the car still drives. *** Garage Services advised that there is potential the issue worsens which is obvious for a ‘thirteen-year old’ car. In addition, there is no evidence that the gear box oil was replaced to Mercedes specifications which is crucial in this case.

 

2. In judging whether a recently bought ‘thirteen-year old’ car was of satisfactory quality it would be ‘reasonable’ to take account of the price you paid for the car. This could be far too less than for a new vehicle and so expectations should be lower. It would also be reasonable to assume that the performance might not be as good, and the condition could fall far short of new condition. For that reason, you have not judged in accordance with the standard and performance that was reasonable to expect in a similar car of that age, mileage and model.

 

3. We cannot agree that *** Garage Services report gives a right of rejection or rights pursuant to the consumer’s rights under the code or the CRA as being due because if you are asking for a refund under the 30 Day Right To Reject, the onus is on you to prove there is a fault, the fault is worthy of a refund and the fault was present at the time of sale.

 

4. We do not seem to be any closer to reaching an agreement. We do not believe either party will benefit from further exchanges of communications. Please register your complaint with The Motor Ombudsman: https://www.themotorombudsman.org/consumers/make-a-complaint

 

The Motor Ombudsman is a certified Alternative Dispute Resolution (ADR) provider, is fully impartial and listens to both sides to deliver consistently fair outcomes. If you decide to continue with a court claim without any consideration to The Motor Ombudsman’s Alternative dispute resolution (ADR) decision, we reserve the right to a cost order against you.

 

We refer you to the PREACTION CONDUCT AND PROTOCOLS: 11. If proceedings are issued, the parties may be required by the court to provide evidence that ADR has been considered. A party’s silence in response to an invitation to participate or a refusal to participate in ADR might be considered unreasonable by the court and could lead to the court ordering that party to pay additional court costs. Yours faithfully, EMC Car Sales– Complaints"

 

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The above demonstrates that they have no interest or understanding of CRA 2015. 

There is no need for you to escalate the issue to any Ombudsman as you have used the short term right which is in legislation passed by Parliament and not some Hokey Pokey Ombudsman

 

Now is the time to wade straight in, register a complaint with Trading Standards via CAB and at the same time start court proceedings as you have the law on your side plus of course help from CAG!

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Absolutely agree. The financial ombudsman is almost useless and limp wristed. These industry specific ombudsmen are even worse.

The dealer prefers that you go to the ombudsman. This means that it is in their interests and not in your interests.

Go to court

 

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  • 2 weeks later...

I've been a bit delayed with this, as I've been home in Scotland.

 

Now back in Kent, I've had the car checked by an Automatic Gearbox Specialist, and they have confirmed the gearbox will need a £3000 rebuild after diagnosis.

 

I have the estimate for the work in my possession, and the Engineers report will be with me on Monday. 

 

I'm going in with a barrage of missiles now..

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Okay, have you sent a letter of claim?

Can you lay out here all of the costs/expenses that you intend to claim for.

If you don't have a figure then simply put £XXX.

Like to get a picture of your position

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If I can get back the 3.7k that I paid for the car, I'd be content. That said, I see no reason why my inconvenience and vain attempts at repairing this machine should not be taken into account.

 

£220: gearbox oil and filter change

£300: Turbo inlet pipe ( possible cause of gearbox problems. It wasn't)

£20: Diagnostic check

 

Little point in mentioning travel costs, as it would have cost me fuel money to get home had the car been driveable I guess.

 

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It's up to you. The more you try to claim (keeping it reasonable of course) then the more you have to give away if it comes to negotiation.

Did you send the letter of claim?

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I suppose if you're prepared to be patient then you could wait for the report. On the other hand, you could simply issue a letter of claim and refer to the report and say that you will be forwarding it as soon as you have received it.

Maybe it will be better to wait a few days.

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Thinking aloud before I send the Letter of Claim on Monday..

 

In an earlier letter, the car dealer made the following statement:

 

"Please arrange to return the vehicle to our premises for further investigation. We shall instruct a gearbox expert to confirm the casualty and liability. Alternatively, we are happy to consider another report provided that it is by a gearbox specialist"

 

Now that I have had this carried out, and will very soon have the information that they're happy to consider, should my next letter to them be threatening court action ? I have, as far as I can see, complied with their requirement thus far, and believe that I would have covered all bases in the Judge's eyes if and when court action goes ahead.

 

Surely I need to sent the conclusive engineers report to them first ? 

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  1. Well you could either ignore them and simply send the letter of claim.
  2. you could simply return the car as requested together with your own gearbox report and wait for them to respond.
  3. you could return the car as requested with the gearbox report and with a letter of claim and point out that they have 14 days to issue you with your refund or you will take action but in view of all the evidence you have provided them which is all consistent you are not prepared to allow this matter to drag on any further.


 

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Ok,

 

So I think the Letter of Claim in addition to the report is the way to go. As for returning the car to them, I'm fearful that I'd lose everything if I did this.  I have also fulfilled their alternative requirement as above.

 

As per previous advice,  I'm today preparing to report them to Trading Standards via the CAB.

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3 minutes ago, SavoyTruffle said:

Ok,

 

So I think the Letter of Claim in addition to the report is the way to go. As for returning the car to them, I'm fearful that I'd lose everything if I did this.  I have also fulfilled their alternative requirement as above.

 

 

I agree with you. This is what I would have chosen as well. Don't get dragged into any delays.

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One thing I have just noticed as I'm printing off all correspondence just now.

 

The dealer sold me the car with a "Plan 4" warranty.

 

After having contacted the warranty company, I've had it confirmed that the car is only eligible for a "Plan 3" warranty, which covers far less obviously.

 

This is due to age and mileage of the vehicle.

I have a receipt from the dealer to prove this.

 

Am I right in saying that this alone is grounds to return the vehicle ?

  I'm 100% sure I should at least mention it in my next letter.

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I'm not sure whether there is sufficient grounds to return the vehicle – but you have enough grounds anyway. However, no point in not mentioning it. It can only help you in the end.

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2 hours ago, Fred clause said:

Not after advice I have allready started my claim,

just letting savoytruffle know that thay aren't the only ones going through this with EMC car sales Bagshot and they are very similar stories.

 

Thanks Fred,

 

I doesn't surprise me that this is happening to others, and I'm very sorry to hear that you're going through the same situation as myself with the same dealer. It sounds like our cases are rather strong, so I believe that we'll be ok.

 

I'm still waiting for the engineers report from the specialist, and the wait is driving me crazy. I just want the whole sordid affair to be wrapped up and done with. One must keep ones head in these testing times I guess.

 

Do keep us updated as to your situation.

 

BR,

 

George

 

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