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


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Posted (edited)

Please clarify why in Creations reply you are being referred to as 

“Your Client “Who’s Client?

Regarding ceasing warranty payments, what you are actually paying is a loan payment with which you purchased the warranty. To cease payment would trash your credit file 

As to the VT I very much doubt that they would accept a non runner as fair wear and tear

although with an independent report,depending on the results,it may be possible to put forward a convincing case

In view of the complexities of Creation rejecting  your complaints 

I would favor the FOS route over Court

Edited by theoldrouge
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PLEASE HELP US TO KEEP THIS SITE RUNNING

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  • 2 weeks later...

Hi there,

 

Apologies for the long delay, had some personal stuff going on.

 

Firstly I have no idea why Creations are referring to me as "Your client", the letter was not written as a third party as I referred to myself and gave all my personal details including address.  

If it bides them time, then so be it as I sent the letter addressed to the correct dept which was received and signed for on 14th, so they have until 13th June to send everything over.

 

In regards to the dealership (BigMW) they signed for the letter on 14.04.22, of which I should be due all the docs by thursday.  DO i need to chase them or remind them of their duties and obligations? although this should be something they know.

 

Noted to continue making the payments and to hang fire on the VT.

 

Hopefully both companies abide, which can then help build a case for the FOS or possibly going further.

 

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).

 

 

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Thanks for clarifying just goes to show the numpties that you are dealing with 

Lets see what they come back with 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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I'm actually wondering if the dealer would come back with anything at all.  But yeah!! 

 

I can only hold on for hope and exhaust all my avenues with Fos.

 

Thank you and I'll update ASAP 

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Evening

 

I need some advice. 

 

Received a call today (couldn't answer) then an email. Was from creations acknowledging my SAR request dated 12.4.22, they need me to confirm my identity. 

 

Firstly I'm confused as they wrote to say they didn't k ow who I was and also addressed me as "your client"

 

Furthermore! Sar request should be actioned within 30 days,  yet they are contacting me about 2 days prior to the 40 day limit.

 

Need help on what I should do as this makes no sense to me .

letter 10th may 22.pdf

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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?

 

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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Noted! 

 

I'll comply today.

 

Nope I've not moved at all.

 

How does the one calendar month work then, as their working to their own timeline?

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Good evening,

 

Thought I would give a little uodate in that the dealership  BIGMW have failed to respond and ignored my SAR request.  Will send out another letter tomorrow 

 

I'd be grateful for any links to  letter templates of this aspect. 

 

Thank you

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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

 

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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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

 

 

 

 

 

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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Share on other sites

Posted (edited)

Good evening

 

Have something of nothing really to tell

 

BigMW -

I received an email yesterday from the business manager requesting that I attend in person...rather ironic considering I'm imobile hhmmm....

 

" If you require further information could you please come to site and present valid ID.  The purpose of this is to prevent fraud"

 

I would deem this an unreasonable request!! Firstly it's taken 36 days to respond, why isn't my drivers license feasible?  Please advise here

 

Creation Finance - 

Received Docs from Sar request - Doc confirming pcp attached....What do you think?

 

Further to the above, I should have heard back from their investigation (20/05/2022) . I've heard absolutely nothing!  Do I at this point send a nudge email to them or just go straight to FOS regarding both parties?

 

Thank you

 

 

PCP contract_.pdf

Edited by Hotdog77
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  • dx100uk changed the title to Big Motoring World/BMW PCP Finance/Warranties 2000 - Range rover Evoque timing chain fail at 76k

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

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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Let’s have ALL the documentation in one place please 

Lets see the PCI and the FULL agreement that you signed 

PLUS the SAR comms log

Lets get the full information

  • I agree 1

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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OK bear with me, I'll get the docs over ASAP.

 

In regards to the dealer asking for my physical presence to confirm identity, could I just send them my drivers licence? 

 

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Can't see why not

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...

Hi There,

 

Let me know what you think? 

Pcp, docu sign, signed agreement, reconstituted copy of notes.

 

Doesn't really tell me anything, apart from confirmation of pcp.

 

Would like some help in terms of how the body of my complaint to FOS should go.

 

Thanks

 

 

 

docs (1).pdf

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urm..

says HP agreement at the top

2nd page says PCP agreement details

i don't think it can be both!!

agreement void?

 

@theoldrouge

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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shame no pre contract info included


As to the header,

because PCP was not around when CCA1974 was written, the term Hire Purchase Agreement is used as standard


this does of course lead to substantial confusion


The difference being with HP you are increasing your equity in the vehicle with each months payments


With PCP you are merely paying the estimated depreciation of the vehicle, in your case in excess of £10k depreciation (I hate PCP with a vengeance )


Now as to your FOS Complaint, a two pronged attack if it were me

 

First obtain an independent engineers report, and complain as regards the useless warranty that you were sold for your peace of mind🤣,but in effect was sold it for the dealers commission


Second insist you thought you were signing an HP agreement, the facts regarding PCP were never explained to you (the depreciation payments)


You thought that your payments were going towards purchasing the vehicle on a monthly basis nothing was explained to you


As a result you have been totally mislead and misold PCP, and require the agreement to be rendered void, and you want all your monies returned

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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  • 2 weeks later...

Morning both 

 

Thank you for the clarification and update @theoldrouge . I've been behind the scenes looking for an independent engineer. Wasn't so easy tbh. I have one on the cards and another company who I want to use but they are away till Monday.

 

I hope that by the end of next week I can instruct for the assessment to begin.  I've been given a price if £750 so far. Can I check that this is a standard looking price for this sort of thing?

 

Fyi to date the finance company still hadn't gotten back to me 🥺.

 

Much thanks 

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