Big Motoring World/BMW PCP Finance/Warranties 2000 - Range rover Evoque timing chain fail at 76k

[dx100uk]

your 1st comment is a bit confusing...

On 13/03/2022 at 22:44, Hotdog77 said:

I purchased a Range rover Evoque in October 2019 from BMW on lease,

you can't 'purchase' a car on a lease agreement until the lease ends.

neither have you purchased a car if you have a finance agreement on it.

eitherway it is NOT your car.

so..

its a lease car?

or is it hire purchase?..

you shouldn't be doing anything with it other than daily maintenance, certainly not ever paying for servicing, nor paying for any stupid warranty which, as always, is never even worth the paper its written on, you don't need one, its a lease car , its a car on finance - not yours, let the finance company and the lease company fight it out who pays to repair it.

the issue you have with it is somewhat immaterial, as is the cause, wear and tear, so what, its doesnt work , the lease thus fails.

you wouldn't flag a black cab down and be expected pay for it if it broke down with you in the back of it would you?

look up the service history and look up when the timing chain needed/should have been changed for the car ...was it?

dx

[dx100uk]

2 hours ago, Hotdog77 said:

I purchased a Range rover Evoque in October 2019

 

43 minutes ago, Hotdog77 said:

It's a Finance agreement (hire purchase)

 

then the proof of what has happened is on YOU. you must get a written report done as you are outside of 6mts.

write to both the dealer and the finance company telling them the car has failed.

here is the report.

 

you now need to research when the timing chain components/chain and related items important to it's correct and on going operation should have been serviced and if there were done when it should have been.

 

a quick search says this:

 

Land Rover Timing Belt Change, Cam Belts & Timing | Safari Engineering (safari-engineering.co.uk)

 

as your claim is some 2.5yrs into your ownership, and taking into account the above, if things have been serviced correctly , i can see wear and tear being a major player here that you need to argue against, as the above states, it should not fail.

 

bottom line is i would inform both and let them argue it out, it is not your car, it belongs to the finance company.

 

dx

 

[dx100uk]

That's not a letter of complaint, it's like a forum post ..

 

Forget the warranty, it's not for you to argue about and not worth the paper it is written on .

 

It's not your car, how it is fixed to you is immaterial. 

 

All you want is the car fixed under your consumer rights, it does not work, here is the statuary report I need to provide you with as the fault has developed after 6mts.

 

Let the dealership and the finance company argue it out  how this happens

 

You don't need to waffle, your next move is not the FOS!!

[dx100uk]

Decision to reject Bigmotoringworld/Blackhorse car on HP - Vehicle retailers and manufacturers - Consumer Action Group

 

timing belt snapped on the motorway Oodle, Car Finance 247, R&S Performance - Vehicle retailers and manufacturers - Consumer Action Group

 

Second hand car developed fault. Blue Motor Finance - Page 2 - Vehicle retailers and manufacturers - Consumer Action Group

 

[dx100uk]

Oh well, let the finance company deal with them and the problem, not your car.

 

Pers i would not have used email but a letter ..of your formal complaint.

 

Dx

[dx100uk]

Did you read those threads?

 

Dx

 

[Complete] Cheadle Car Sales/Oodle Finance - a used BMW 3 series clutch gone! **Settled by finance company** - Consumer Action Group

 

Big Motoring World/Black Horse Finance - refusing to honour statutory rights ***SETTLED** - Vehicle retailers and manufacturers - Consumer Action Group

 

[dx100uk]

Its creation finances car, not yours .

It doesn't work, get it fixed please.

 

Formal letter of complaint simply stating the above and stating please liaise with the dealership I purchased the car from on xxxxx.

By royal mail with proof of posting.

 

The finance should have been your very 1st port of call 30secs after it went wrong.

 

As a side note I notice you mentioned VT, so you want to pay till 50% for a car that doesn't work?  

 

Dx

 

 

[dx100uk]

On 22/03/2022 at 21:48, Hotdog77 said:

 

Furthermore, I have also cc’d the complaints dept from Creation finance as they are financing the vehicle as well as the warranty.  I'd like to think they would like their vehicle repaired swiftly as this situation is pushing me closer  to exercising my rights under “voluntary termination”.

 

[dx100uk]

hadn't picked up it was a 4yrs HP, they are normally longer.

good idea then if you don't now want it , do a VT now then get it out of your hair??  you won't owe a penny.

 

 

[dx100uk]

no

no

yes, not your problem its their car. advise them they can argue it out with the dealership/warranty company. fill out the V5C in their name too.

i would also put that you are ceasing payment forthwith as your are well over the 50% mark and the DD will be cancelled.

[dx100uk]

simply add to the letter of complaint

 

please find attached my VT letter also

i do not expect you will have any issues with relation to my VT. i will let you and the dealership sort out the car repair should you wish, it's your car and i wish nothing more to do with it.

 

However please carefully note, having recently sought information issued from the likes of the FOS etc upon my situation,  should you wish to make this difficult for us both, then i will happily add you as an additional defendant in a small claim case, which until receiving the recent advice, was my next port of call.

 

i thank you for you time

 

 

xxxxxxx

 

..........................

 

carefully note, its specifically worded above to portray you sought advice, not directly, but should frighten them off enough!!!

[dx100uk]

urm.. never know a HP agreement with a mileage clause AND a balloon payment.

 

you sure this IS entitled  Hire Purchase agreement??

this reads like a lease agreement,.

 

 

 

 

 

[dx100uk]

that look so much like a PCP 

No front page to check their figures 

and some dodgy clauses in the t and c’s eg charging to collect car if VT

and numerous unfair unenforceable 

wear and tear clauses

The wording in the t and c’s is like its been compiled by the office junior 

 

PLease scan up the front pages with all the figures and anything else you've missed of

 

DX

[dx100uk]

We need the agreement you sign and everything sent with it 

 

Anything else sent later is not applicable nor enforceable on you 

 

Dx

[dx100uk]

why have you labelled the 2nd file PCP? 

there is NO PCP involved here at all.

 

£2100 pers loan too for a £1700 useless warranty... 

 

 

[dx100uk]

headbang was to highlight Just how bad some dealership s are and shows how creation haven't changed their spots, they are very very well known here with a long history of ripping people off. 

 

Can I confirm your 2 uploads are the actual ones you signed and you've hidden your Sig (obviously).

 

 

[dx100uk]

SAR is free.

 

Dx

 

 

[dx100uk]

No just all data.

 

Dx

 

 

[dx100uk]

Rarely do we see successful email SAR.

 

Dx

 

 

[dx100uk]

i would comply but i would not be giving them your photo.

they should already have your sig from the SAR request

 

have you moved since taking out this finance?

 

[dx100uk]

On 08/05/2022 at 21:16, Hotdog77 said:

Apart from awaiting both companies to respond to my SAR request, Creation should get back to me on or before 20th May 2022 with regards to their investigation (8 weeks).

 

let things run till this date then get the FOS onboard with the whole sorry story.

 

dx

 

[dx100uk]

there is no harm in reminding those you have sent an sar too on xxx date that there is a legal requirement to comply it within 30 days if they are satisfied with your identity, that can be enforced in a court of law.

 

dx

 

 

 

 

 

[dx100uk]

So back to almost post 1, it IS a PCP agreement. Def not your car and not your problem and wear and tear and warranty mean nothing and play no part at all.

 

Its for the retailer and finance company to argue out nothing to do with you whatsoever.  

 

If 8 weeks has elapsed you can goto the FOS yes.

 

Wheres my car

 

Dx

[dx100uk]

Can't see why not

[dx100uk]

urm..

says HP agreement at the top

2nd page says PCP agreement details

i don't think it can be both!!

agreement void?

 

@theoldrouge