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    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
    • No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
    • Thanks for opening, it's been another rough year for my family and I've procastinated a little.. Due to the age of my defaults on this and other accounts (circa 2021), I really need to avoid a CCJ as that will be another 6 years of credit issues. Mediation failed as I played the 'not enough info to make a decision' however during the call for some reason they did offer settlement at 80%, I refused. this has been allocated to small claims track, court date is June 3 and I've received their WS. I'm starting on my WS. They do appear to have provided everything required of them (even if docs could be reconstructions). Not really sure what my argument is anymore but I do want to attend court and see this through. Should a judgement be made against me then I will clear the balance within 30 days and have the CCJ removed - this is still possible isn't it? I'm going to be reading up today and tomorrow and hope you can provide me some guidance in the meantime. Wonder what your advice would be given the documents they have provided? I am now in a position to clear the debt either by lump sum or a few large installments - Is this something i should look into at this late stage? Thanks as always in advance
    • I have now received my SAR. It includes a great deal of information! Is there a time limit on how long account information is kept and/or can be provided to debtors? I have received many account statements which were not previously sent to me. I remember that the creditor should provide explanations of any acronyms and abbreviations that maybe used in the documents. Is this still the case? Also what, if any, are the regulations in regard to adding fees to a debt? Can fees be added to a debt after the court has approved a charge on a property. Perhaps due to the numerous owners of the debt, many payments I made were not properly recorded on the account, some were entered over a year after the payment was made! Following the Legal Charge, I paid every month until my payments were refused. I am trying to compute the over payments, but the addition of fees etc. is confusing me. Any comments and/or help would be appreciated.
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daughters car brakes failed.


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Hi,

 

My daughter purchased a used car on 20th feb 2019. She was driving it yesterday and tried to slow down for a roundabout, but the brakes completely failed, she crashed into a lampost, car is a right off and she is in hospital. Does she have any rights at all? It was purchased from a small independent car dealer. Thanks.

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Her rights under the consumer rights act are that if a defect manifests itself within the first six months of ownership then she is entitled to a repair and if the repair fails then she is entitled to a refund of her money or a replacement – at her choice.

Had the brake failure occur within the first 30 days then she would have been entitled to reject the vehicle outright.

If you the fact that the car is a write-off then it seems unlikely that they are going to manage to do a repair – but you had better given the opportunity. Contact them immediately and inform them of the problem and the you are rejecting the vehicle and if they believe they can repair and they have a single opportunity to repair it but if not then you require a full refund of your money.

In addition to that, your daughter would be entitled to recover all her losses and also compensation for any injuries that she has suffered. Of course you can imagine that the dealer in this circumstance will immediately try to say that the crash occurred because of some reason unconnected with the quality of the vehicle and that there was no defect in place.

However, you should begin by writing the letter that I have suggested above. I would suggest also in the same letter that you ask the garage for the name of their insurers because depending on what you say about her injuries, you may be looking at rather more money than simply the value of the vehicle.

Secondly, please can you tell us something about the extent of her injuries. 

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I have emailed the company rejecting the car and asking for their insurance details. I did email them this morning telling them what happened and this was their response: We are very sorry to hear about your accident and hope you are getting better. We obviously have no idea why the car had brake failure and there can be many reasons why this should happen.The car is sixteen years old and we give you a three month warranty on the engine and the gearbox.Prior to the accident the car was obviously driving without any brakes issues as I’m sure you would have made us aware of such a serious problem. With regards to the airbags they don’t always deploy as it depends on the type of incident.
You will need to contact your car insurance company who will cover you for the accident and any repairs that they deem necessary. If you need any help please let us know.

 

i will post back here their reply to the new email once received.

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May I firstly wish your daughter a speedy recovery?

It is important to remove, as far as possible, the emotion that such an incident naturally invokes. As no doubt the police attended and will be making their enquiries which will revolve around the cause of the incident, hopefully their forensic examination will support her claim of total brake failure. You should not approach the vehicle supplier until you are in possession of this information, as even reasonable traders may become reticent in the face of accusations of supplying a dangerous vehicle.

If no report is available from the police, you will need to arrange one yourself through your/her insurance company who you should inform straightaway.

 

NB whilst typing this reply I have been notified of your second post, which rather proves my second paragraph above!

My time as a Police Officer and subsequently time working within the Motor Trade gives me certain insights into the problems that consumers may encounter.

I have no legal qualifications.

If you have found my post helpful, please enhance my reputation by clicking on the Heart. Thank you

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Response to me request to reject the car:


The car was driving without issue.The brakes on a Mini have a dual system and we have NEVER know a Mini to have total brake failure.As we mentioned this is a insurance issue and you need to claim through your insurance .We are sorry we are unable to help.
Best regards
 

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Once again, write the letters I suggested above. Don't be fazed by their three month warranty. It is unenforceable and in fact unlawful. The evidence suggests that the car was sold in an unroadworthy condition and such a sale is illegal under  Section 75 of the Road Traffic Act 1988 - this is in addition to your consumer rights.

You should make your position completely clear that you do not accept that your entitlement to a car of satisfactory quality is limited by their three month warranty. Make sure that they also realise that you will be making a complaint that they have sold a car in an unroadworthy condition.

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Being realistic and blunt, did the brakes really fail OP or is your daughter looking for a reason not to blame herself? Everyone has accidents, it's nothing to be ashamed of - it's what insurance is for. Was it more her misjudging the roundabout, her speed/braking distance or not seeing someone else coming maybe?

 

It's very rare brakes just completely fail, especially considering she had been driving it for over a month without issue. Also prior the accident I presume she was driving 5-10 minutes prior and braking no problem? She will need the car to be inspected to prove the brakes failed before you can claim it was mis-sold...

Personally I would claim on my insurance, ask the assessor to check the brakes specifically if they failed. Then if they did you have evidence to begin claiming the car was mis-sold. Unless the Police are inspecting the car themselves since cutting her out, then you can see what they have to say about the brakes whether they were an issue or not.

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can you get an independent assessment of this? Shouldnt take much if the engine turns over. you can then go route 1 straight to the small claims court for the cost of the car. Now if she wants to consider personal injury/recovering lost income etc I would suggest that is taken up as a separate matter using the insurer's legal dept. Problem is whatever happens her insurance will go up as they always see any incident as being the result of the driver's behaviour.

Get hit form behind? insurer marks you down as someone who brakes suddenly or just drives too erratically for others to avoid them. Died in bed- too lazy to get up

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I agree that it's very strange that brakes suddenly failed.

Could it be that she scraped the car belly on a speed hump and lost all brake fluid before getting to the roundabout?

Car needs to be inspected to understand the reason for brake failure. 

 

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  • 2 weeks later...

For the brakes to completely fail, with the pedal to the floor then the brake fluid must have escaped somehow. It’s very rare for this to happen, for a brake pipe to burst and loose all pressure immediately. Check the brake pipes & ferrules and accessories for failure. 

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