Jump to content


  • Tweets

  • Posts

    • It isnt a great thing to have to worry about all these things. I am sure someone on this site will offer some great advice.   Priority debts need to be sorted first; Rent/Mortgage, Council Tax, Utility   - Dont quote me as I do not know the legal points around this; but Overdrafts, catalouge, card debts are not priority. I would sit down and work out exactly what your priority debts and living costs are, deduct from your income. Look at all your cards, loans overdrafts etc, list them all, starting from the highest interest charging ones, think what and which ones to work out a realistic monthly payment, dont overpay what you cant afford.  I would consider not using the cards etc, as you will be adding to your debt and problems. I would contact someone Like Stepchange or Citizens advice, they will offer you some very good advice and ways of contacting your companies you have debt with. Dont be afraid of your debt companies, write to the fully explaining situation and what you can realistically offer, do not be preasurised into paying more than you can I personally prefer contact by post or e mail rather than telephone. Ive no idea what Factor, Monzo is, but may well fall in line with what Ive said.   Keep a note in a diary of every call you made or who contacted you, ask for names, keep and copy all letters to and from as this may be helpfull further down the line for record keeping.   Do not ignore contact as this just adds more stress for you and the problem wont go away.   Make sure you make your affordable monthly payments, every month, even if they say we wont accept it, its to low.    As you have a lot of stress going on, I would certainly contact someone like Stepchange or Citizens advice,    Good luck
    • Hy. Caring for family adult learning disability; full time, currently unpaid from work, unpaid carer - receive weekly carers allowance This is what I have searched on so far; - can only receive from employment £132 a week, after Tax, NI, deductions in all about £201.00 a week, but this is taxable and needs to be entered on tax submission, but if less than personal allowance then no tax may be paid? - I believe NI is paid as long as you get the carers allowance, although gap between break in employment and start of carers allowance may not be? -Should employment end due to company not happy in change of hrs and I have to leave, then only the carers allowance would for be the income, If UC is applied for would this allowance be deducted from what UC give or the person I cared for be affected - Savings may affect if you get UC or not - Certainly cant be available for looking for work as full time carer   anyone have any points, help or advice on this issue please
    • hy, In a nutshell; - current contract  work part time Mon to Fri 24 hrs - Unpaid year off break to become family member full time carer - Need to either go back to work at end of next month, start of July or leave - Application for Transfer was turned down   - Letter to go in this week with a application form to request change of contract, hrs, days so that I can look after family member - change requested will be work mon, tues, wed but not more than 13.5hrs or 14, then breaks deducted to stay within legal earnings limit as carers allowance is recieved - it is not possible to work thur, fri sat, sun due to care needs and travelling for adult disabled family member   ok; Ive done a bit of digging, I can send application  for reduction of the hrs and contract which i think the govt said I can legally do. Doesnt mean the company has to be bound legally by it. It may be that it isnt suitible and there for ask me to resign. Or they may agree! Or terminate my employment. But as I am a full time family carer for a family member within the same household, I should have a good case to argue.    Does anyone have any further knowledge or experince of this to advice me, what legal or other rights, but if I quit or asked to quit, would claiming benefits as such be suspended for quiting a job, thanks    
    • I’m looking for some guidance please. I’ve been reading up but am stuck on what I should do and going round in circles now.   Trying to manage my own DMP and making a mess of it I think.   My income is £1015 per month Essential outgoings: factor fee £93 pet insurance £81 (giant breed so quite costly) TV licence £13.37 Groceries for 3 adults and giant breed dog £309 Council Tax £111 Internet £36 Electric £59 No water/gas/car Public transport £30 Gifts £15 Mobiles £6 Debt to family £42 Saving £0 Leftover £220 (for creditors) Actual Original Total Due to Creditors £600 (pro rata started) So I’ve started negotiating pro rata payments while still trying to keep credit cards going for future emergencies (they are maxed now but if I can pay them down it releases credit for me to have as a back Up)   It’s all getting worse, I’m struggling, I have depression, my wife has depression and is unwell. Interest on 3 cards is over £100 so not really paying anything off.   I’ve negotiated pro rata on some and I think I’ve gone in too high because I’m really struggling with it, I forgot that when they ask for income expenses they don’t take into account that the factor bill is 3 monthly and therefore I need £279 by May 31st and not £93 as budgeted so already in trouble for month 2. Partner debts: Starling bank overdraft: £400, 2019. Pro rata £14 arrangement to pay, no default.   Tesco Credit Card: £100  started 1/12/2019; defaulted 7/10/20 £5 mth   Virgin Credit Card: £2700 started 14/5/18; defaulted 30/3/21 £5 mth   Marks and Spencer Credit Card: £850 started 18/10/19; defaulted 13/1/21 £5 mth   Nationwide Credit Card: £1500 started 30/4/19; defaulted 28/12/20 £5 mth   Barclaycard CC: £1400 (PRA group purchased it) started 25/8/18; defaulted 16/7/20 £5 mth.    Aqua Credit Card: £3900 (now with Cabot Financial) started 3/12/18;  defaulted 12/11/20 £5mth   Aqua Loan: £1700 (now with Link Financial) started 28/9/19; defaulted 2/2/2021 £5 mth   My Debts:   Monzo Loan:  £1900 October 2021 – permanent pro rata £39 agreed, not defaulted    Likely Loans: £1500 December 2021 – temp £14 pro rata, not defaulted    Monzo overdraft: varies up to £750  - temp £10 pro rata   Monzo Flex: £900 December 2021 – temp £11 pro rata   Fluid Credit Card: £1500 July 2021 (on a holiday until August) £0    Capital One Credit Card: £700 £40 mth (up to date)   Amazon Credit card: £2450 November 2021 £75 mth (up to date)   Next: £56 December 2021,  £5 mth (up to date)   My dilemma is I can’t pay the factor bill and have maxed my cards.   I wonder about going on a payment holiday with Amazon and Capital One and then negotiate pro rata using a part of the £220 left for creditors in time, so keeping the pro rata proportional.   In August my Fluid holiday ends and they want £80.   I’m not getting hassled by any creditors and prefer an option that keeps it that way but last night seriously thought should I stop paying all of some of them.   Thanks  Stuckfast    
  • Recommended Topics

  • Our picks

  • Recommended Topics

hasbury motors limited - purchased car last november - Cambelt changed in 2018 but just failed due to loose bolt - who do i claim against?


Recommended Posts

Can anyone help with what action should or could be taken?
Purchased a car in November just gone, from a dealer (hasbury motors limited).
The cam belt was done last in 2018 by a garage in Bristol (I have the receipt)
 
Yesterday the car broke down, long story short the AA recovered the car and upon inspection found a loose bolt that had been inside the timing cover wearing down the timing belt for some time, the aa man seems to thing this bolt will have caused the belt to skip a tooth or two and resulted in all the valves being bent (big repair).
 
Any help with what I could do in regards to the garage being held responsible (the timing cover is sealed so the bolt would have been in there since the last cam belt change)
 
Thanks in advance
Link to post
Share on other sites

What date in November 2021 did you make the purchase ?

 

Date car broke down ?

 

Mileage of the car when purchased ?

 

Mileage when the car broke down ?

 

How old is the car ?

 

Service history ?

 

Did the garage you brought it from carry out a full service before they handed you the keys ?  If no, when was the car last serviced ?.

 

What does the service manual say about when the timing belt should be changes ?

 

 

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

purchased on 13/11/21

 

mileage when purchased 114000

 

broke down at 120000

 

12 reg

 

Cambelt was done at 87000

 

partial service history, not missing many stamps (cambelt being changed was a big selling point)

 

Last service was 110000, next due at 123000

 

service manual states cambelt interval at 140 000 Kilometres (87000) or after a maximum of 10 years

 

Thanks

Link to post
Share on other sites

Posted (edited)

Welcome to CAG ezza, I'm sorry to hear you have had such an issue with your car - we are so dependent on them aren't we..

 

I'm a qualified mechanic although no longer in the trade, I've completed 10's of timing belts across many models of cars. I want to dig into the diagnosis a little further as it does sound unusual for many reasons, especially given the time and miles since replacement, but I don't think that will help us at all at this moment - I'll stick around the thread though in case I can assist with this further in the future should it be needed.

 

For now though, I really don't think there is anything you can do in terms of recourse to the dealer (unless you purchased extended warranty?) and especially not the garage who completed the timing belt change - too much time passed with potential for other people to have worked in the timing covers, I don't know your make and model but a replacement water pump would be one reason to be in there outside of timing belt replacement...

 

I would suggest you do contact the dealer though, there is a chance they might be willing to assist you with getting the repair done as this is such a catastrophic failure and certainly not simple wear and tear item. If they have a garage onsite, perhaps at a reduced cost given you purchased from there (maintain reputation) and if they don't have this onsite then perhaps putting you in touch with their preferred garage (most dealers have one) with a view to getting a fast turnaround/small discount on the work, or lastly to lend you a demo vehicle out of goodwill whilst you get the repairs done, no harm in asking.

 

The above aside, I think there is little else given the age and mileage of the vehicle unfortunately, these are always inherent risks with purchasing used cars.

 

Good luck whatever you choose to do!

 

BT

 

Missed my edit time by a minute! sorry for multi post

 

When did the car actually break down please?

Edited by Badtimes123
Link to post
Share on other sites

  • dx100uk changed the title to hasbury motors limited - purchased car last november - Cambelt changed in 2018 but just belt failed due to loose bolt - who do i claim against?
  • dx100uk changed the title to hasbury motors limited - purchased car last november - Cambelt changed in 2018 but just failed due to loose bolt - who do i claim against?

forget extended warranties, no warranty, extended or otherwise,  is ever worth the paper it was written on.

 

this is an inherent fault, that was present at time of your purchase from the dealer.

 

your claim is against them.

 

you have a report from the AA, thats good enough evidence and the sealed cover, to win the claim.

 

as for who did it and is responsible, that's for the dealer to argue out with the garage that changed the belt, leaving a bolt lose, ............not your problem. the issue was present upon purchase.

 

 

 

 

 

 

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... 

Link to post
Share on other sites

Posted (edited)

Admins, please feel free to edit out my posts any bits which you know to be incorrect advice - I want you to for the sake of the thread.

 

I'm not sure we understand enough yet to have so much conviction dx 'win a claim'.. but then I've been known to ask too many questions

 

I hated working in the motor trade for these very reasons, so I'm hoping you're right and I'm cheer-leading for Ezza! :)

 

Definitely contact the dealer, that we all will agree on! How should Ezza approach this? that would be useful info

Edited by Badtimes123
more typos
Link to post
Share on other sites

Consumer Rights act. You may need to issue Court claim against the garage that sold you the car, using any AA inspection report.  The garage are probably going to argue given cost of repairs will be into 4 digits.

 

WWW.THEMOTOROMBUDSMAN.ORG

If you bought your car after 01 October 2015, the Consumer Rights Act 2015 applies. This means that, when you buy the vehicle, it has...

 

How much did you pay for the car?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...