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    • I typed it on my phone, ironic. I’ll use my laptop for more substantive updates.   I have another car - I’d rather not splurge out multiple thousands at an already expensive time of year - the service was £1000 in itself.   My immediate concern is their inspection company. Do I pre-empt and pay for my own to coincide with theirs, even though its not needed in anyone with common senses eyes? It just seems like knuckle dragging.   I’ll take you up your offer, thanks. Communication has been mostly via email, and I have followed up calls immediately with an email of what was discussed. Got it the 7th of July if I recall, notified them of the issue on the 25th November.
    • I hope you notice that in your first post I had to restructure the solid blocks of text that you posted. It will be very helpful if you would make sure you would introduce better spacing because we have lots of people who come to this forum using telephones and it is extremely difficult for them to read. The fact that you assert your six months right to reject does not mean that you are then obliged to reject the vehicle. It simply reserves your position on that matter. You always retain the option to reject or to keep the vehicle. However it puts more pressure on the dealer or the hire purchase company – whoever happens to be the responsible party. If you are doing things on the telephone then make sure you have read our customer services guide and implement the advice there. It really is important and if you don't then at some point you will regret it. if you are strapped for the car and if you haven't have the money then probably a good option might be to pay for the repairs yourself and then proceed directly get the hire purchase company for reimbursement. However this means that you would be out of pocket for a while. Also if you did this then we would have to be very careful about giving the hire purchase company advance notice of what you are doing and of the expenses you are about to incur on their behalf. In any event, you are just within the six months and if I were you I would assert the right. If you want, draft a letter and then we will have a look at it here
    • Thanks for the reply except for distance part.   Not a fail when it’s only one of a few in the UK(at the time only 3 where for sale from dealers in the uk- I would never buy a car privately or at the least on a credit card). I only tend to splurge big (to me)bucks on what I actually want and I am a bit of a petrol head. It’s more than a form of transport for me.   I am not naming dealers at this time as they have yet to do anything wrong and the one acting (more than) reasonably is the main dealer that identified the issue, not the one I got the car from so no need to name them at all. They have in fact worked with me to get a very good price to replace the head with support from the manufacturer - to the point of the original dealer would not be able to buy just the head for the all in price on offer. So I have done half their leg room for them too. I will phone the dealer myself today to get their story and if they play silly buggers up their name will go. As I said in the original post - I am hoping for the best, expecting the  worst and want to be prepared.    Finance company is Oodle. I did say I am contacting them under my rights from the consumer credit act but didn’t say I am rejecting, but did say the outcome I am looking for is for it to be repaired.
    • I'm really not clear as to what you want to do here. You clearly have a way of gaining some compensation if you want. If you'd rather just get it shut down then as you say the best thing to do is to send them your mother's death certificate – but as they are completely wrong about everything, it seems – and also on the dates you have given anyway, they are breaching the backbilling code, you can hit back if you want. You have just said that it is the principle of it all. If that is really what it is then that might be sufficient basis for striking out at them. I don't think there's much else to be discussed on this thread
    • Well done on having paid by high purchase. People who pay by cash or who pay by bank transfer are not in such a fortunate position. In terms of buying a second-hand car 100 miles away – big fail. As you have said, it is the hire purchase company which is liable. It is their vehicle. What exactly have you told them in respect of the consumer rights act? Have you asserted your rights and made it clear that you will be relying on your six-month right to reject if they fail in a single repair? What's the name of the hire purchase company? You say that the dealer is acting responsibly – but maybe you could tell me who they are as well
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Hi All,


I am in the throngs of a claim against barclays, which should be all ok, and happened to check my egg money account. I noticed I had three £16 charges on it, and as they were all recent (and I would argue the fault of that stupid text message service which I now ignore!) that I would just ask for them back, and they'd probably give it to me.


I was wrong, this is what I sent:


Date: 09 Jan 2007

Time: 10:24

Subject:Overlimit Charges


Dear Sir,


I have been looking over my last 3 statements,

and have only just relaised that I have been charged 3

'Over Limit' Charges of ?16. I am not happy about these

charges being applied as for each occasion I have only

drawn money out that the ATM or vendor has allowed, and

to make it worse, what the weekly balance text says I have

left. It would appear that by adding these charges you

have in fact been the cause of the overlimits.


I am also aware that charging payments for going over an

agreed overdraft limit is being condoned by the OFT and

feel that in my instance, if the charges were reversed,

that I would actually be well within my agreed limits.


I therefore ask that the 3 months worth of charges be reimbursed

to bring my limit back to an agreed amount. Please also

note that I have a pending bank transfer waiting to be

agreed and have recently increased my monthly payments

to help bolster my account.


I hope you will see this through for me, and hope you will

understand that on these occassions it has not been my fault,

but a fault of the texting service you provide.


best regards


Which I thought was nice (nicer than what Barclays are getting anyway!) and

they'd be ok about it, I was wrong, and got this reply:


Dear Peter


I'm sorry to hear you feel like this about your Egg Money.


When you signed the credit card agreement on applying for

an Egg Money you were shown the interest rates and charges.

You then read and understood these terms and conditions.

As you signed the agreement you agreed to pay these charges

if you didn't keep to your agreement.


These charges are listed in your terms and conditions and

are therefore legal charges.


The Office of Fair Trading gave recommendations only on

charges applied by banks.


Egg are not refunding charges accrued where the customer

has failed to keep to an agreement that they accepted when

they signed their contract for an Egg Money.


Egg have already lowered their charges from ?20.00 to ?16.00.


I'm therefore unable to refund any charges to you as these

have been applied legally to your Egg Money.


Thanks for your message, if you need any further help please

let me know.




Louise Fitzsimmons

Internet Customer Services

which felt a little bit ****y to me, and not in the goodwill sense I was suggesting in my email.


What is the situation with Egg - I understand that they have got OFT to agree something with them, but if it's going to be extremely painful, then I may just leave this one be...I'll get Barclays to pay on their behalf! :D

Sign my petition to the Prime Minister here:






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