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    • Good evening, My husband and I are looking for some help regarding a faulty car which we have recently purchased from Big Motoring World Enfield. The details are as follows: - Make - Nissan Qashqai 2017 1.2L milage 55,349 miles.  Date purchased -   01/06/2024 Price paid - Deposit £9000, finance £4794 (this includes the 3yr Nissan extended warranty), buyers fee £249.      Total including all fees etc = £ 13794.        Initially, during the test drive, there was no problem with the car at all and this is why my husband bought the car on the day. No problems on the way home from the dealership and up to three days after purchase, the car drove smoothly. However, after day 4, occasionally we would feel a slight shudder during some gear changes (automatic car). Over the next few days these shudders worsened and then on day 5 the car would make very a very loud shudder with every single gear change. It was at this point we contacted Big Motoring World for advice as we are still under the 14 days no questions asked return.  My husband contacted BMW for advice on 06/06/2024 and stated the problems as above. He spoke to a sales person who informed him that he should only take the car to a Nissan dealership (we have now been told that this is false information). We were also promised that a courtesy car would be provided for us after the fault on the car had been identified and confirmed by their mechanic fixing the car. We took the car to the garage that Big Motoring World had told us to go. Upon arrival there we discovered it was a third-party garage, not Nissan. We took the car to the garage on day 9. The mechanic ran a diagnostic test which found no faults, but after the test drove the car and below are his findings...   we scan the car but no faults with the gearbox showing but when I test drove the car it was really juddering and jumping.I spoke to my auto transmission specialist and he said they are very common on these as the CVT belt starts jumping within the box due to pressure loss.  We had this vehicle in for diagnostics for gearbox mate but both the gearbox and battery are faulty.Gearbox supplied and fitted comes to £3500 plus vat   Where we are at now…. My husband spent all of day 10 (11/06/2024) making phone calls between the garage, Warranties2000 and Big Motoring World. He tried, unsuccessfully to find out if the diagnostic reports had been shared between all three. Everyone kept saying the report hadn’t been received and yet the garage assured us it had been sent. Eventually we were told that the courtesy car would be given to us if it was deemed the works to fix the car would take longer than 8 working hours, and that decision would be made after 48hours of receiving the report. Today is day 11 and no decision has been made as nobody is telling us any decisions as people are off sick or on holiday! Today we called the garage and told the mechanic NOT to start any work as we will be returning the car. He said none have been started and we have left the car in his storage as he has deemed the car undrivable. I have sent an email to BMW now formally stating that we want to return the car and I have used the terminology that was suggested.   What can we do next?   Thank you everyone. .  
    • Yes will do thanks Dave, I wonder what will happen at the preliminary hearing no idea what they will ask I assumed once I sent the proof they asked for about my sons condition that I would have just  been given the go ahead to be Litigation friend
    • First the judge will rule on you representing your son, which will be a doddle. After that the full hearing date will be fixed, with WSs exchanged 14 days before. So for the moment just concentrate on getting the right to represent your son.  
    • Thank you, the mediations in a couple of days so hopefully they show up this time. I'll update this thread after how it goes
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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Spreadsheet with interest


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Ah so sunlight may have shone on my simple brain.

 

So for example: (bear with me)

 

I am charged £30 in Feb 2001, I was overdrawn until july 2001. I add up all the interest from the £30 being taken until the day I was back in credit.

Then I work out the average balance of the account from the day the £30 was taken until the day in July when I got back in the black.

 

Then via some magictrickery your spread sheet calculates how much of the interest I was charged on the £30 and the compound interest on the interest.

 

I think :confused:

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Here we go 3rd time lucky, I'm looking at credit card compound contractual also.

Cell F15 downwards, is this the interest from the following month's statement or the interest charged until today?

This interest is the interest they charged you

on the month's credit card you are looking at.

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Vamp quick Q while ur here!

 

I've used your wonderful spreadsheet to calculate comp cont int & notice that the daily rate in pence doesn't match the actual amount it adds on when I change the claim date (ie add on one day?)

 

I'm prob just being a thicko but could u let me know if this is right ... simple explanation please! :confused:

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Vamp quick Q while ur here!

 

I've used your wonderful spreadsheet to calculate comp cont int & notice that the daily rate in pence doesn't match the actual amount it adds on when I change the claim date (ie add on one day?)

 

I'm prob just being a thicko but could u let me know if this is right ... simple explanation please! :confused:

Which number spreadsheet please?

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Which number spreadsheet please?

 

errrmmm ... Number 16 I reckon (I'm sure it was this one I used)

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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errrmmm ... Number 16 I reckon (I'm sure it was this one I used)
There is no daily rate on this one. Maybe it was on an old version, I can't remember.

 

Compounding interest will not have a daily rate in pence. You'll just have to state the rate. The pence per day will increase each time interest is added - daily.

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BUGGA! Vamp forget it for a while - Think I've used No 15 in error - I'll copy over all my details & look again .. sorry to bother you but at least I've noticed my error! :(

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Hi,

Im sure this has probably been asked a millioin times before, so please forgive me for asking again....

But how do i work out the interest and the time/days on the spread sheets?

I am useing the simple excell for banks as i am about to claim back from abbey. I have filled in all the charges but now need to fill in the other two colums for days since offence, and 8% interest. surely there must be an easy (ish) way to calculate ?

 

many thanks

JAY

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Hi,

Im sure this has probably been asked a millioin times before, so please forgive me for asking again....

But how do i work out the interest and the time/days on the spread sheets?

I am useing the simple excell for banks as i am about to claim back from abbey. I have filled in all the charges but now need to fill in the other two colums for days since offence, and 8% interest. surely there must be an easy (ish) way to calculate ?

 

many thanks

JAY

 

Jay this should calculate automatically when you put in the date of the charge - both the days & the interest - have you entered the date in the correct format?

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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hi chezt,

i dont know- what is corect format for date? the computer did it itself as 31/10/2006. just looked at spreadsheet again and two colums are definately empty.... is threr any way i can start if off? give it a nudge so to speak?

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hi chezt,

i dont know- what is corect format for date? the computer did it itself as 31/10/2006. just looked at spreadsheet again and two colums are definately empty.... is threr any way i can start if off? give it a nudge so to speak?

 

Jay as the Vampiress said - you just overtype the cells with your info - perhaps you actualy deleted/cleared the cells instead of overtyping with your info & so it sounds like you have accidently deleted the formula which calculates the days/interest. You can open another sheet and copy & paste your charges info into the new sheet to save typing it all out again - this should work.

 

It sounds like you used the sheet on here - not the ones in Vamps chambers?

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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I have been reading the formula in your sheets Vamp, good grief!!!!!!

You really know your stuff.

I have had a go at the advanced credit card sheet, I'm not convinced the last 2 columns are correct, but then I feel I am questioning the person who made the sheets, which convinces me that it is ME that is wrong.

How does this sheet look to you?

mint.htm

 

sorry the formatting was lost when it went to htm but it is readable

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I have been reading the formula in your sheets Vamp, good grief!!!!!!

You really know your stuff.

I have had a go at the advanced credit card sheet, I'm not convinced the last 2 columns are correct, but then I feel I am questioning the person who made the sheets, which convinces me that it is ME that is wrong.

How does this sheet look to you?

mint.htm

 

sorry the formatting was lost when it went to htm but it is readable

Think more about the logic behind this.

 

Roughly, you were charged £50 interest on a balance of £5,000. £200 out of the £5,000 was penalty charges i.e. 200/5,000 or 1/25. So 1/25 of the £50 interest you were charged relates to your penalties, i.e. approx £2.

 

Looks about fine and dandy to me.:D

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OK, It's not number 16.

 

I've just closed Chambers, and re-opened them thinking they were all wrong. I need a holiday.

 

Please re-check what you have done and come back if you still think something is wrong. I agree the compound contractual interest looks wrong on your schedule, but have checked SS 16 and it works there.

 

Unfortunately I can't see your workings.

Sorry.

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I hope you have a good holiday Vamp. You wanna leave the hotel number in case we all get really stuck :-)

 

I have got stuck into ss16 tonight.

1 Month I paid off my balance and a little more, this means I have a remaining balance of (675.92) one month, of course on your sheet this shows as negative and screws up the formula.

Is there a work around for this?

Serves me right for balance transfering too much so I had a bit to spend :-)

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