This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/08/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This will be for the HIP pack as I am having the same agro with these people. They will have a copy of the contract, ask them for a copy. I have reported them to trading standards for harrasment. Interesting to know they don't have the full licence yet, they better back off or I will be making a big noise with the TS complaint which surely can't be good news if your a new outfit..... Their tactics include repeated calls (three within an hour) misleading letters, using embaressment tactics such as "visiting your place of business". Rising stars to watch methinks....

Tish, pish and bah! I was going to quote someone then realised that your all wrong! The sales of goods act 1979 (amended) states that the goods should last a reasonable time. Argos et al. know this aswell. Warrenties mean nothing; they do not supercede your statutory rights. Your washer has failed you too early; if your willing to fight it, you will get this fixed. example? http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/35724-broken-dishwasher-22-month.html Don't fall into the trap of "its out of warrenty"..... it's bullsh*t

sound advice. i will talk with them, in a calm way, and see what happens. I will still make a complaint to themselves afterwards and the FOS afterwards; I wonder how many people are driving around without valid insurance because of this.... I'll post back with the result later.

I insured my impreza through elephant in november. I did the usual search through confused.com. During this process I entered my car reg and filled out the rest honestly. I got a quote with my wife on and rang them direct. Paid the deposit and kept motoring. When I looked closer at the docs a month or so later I noticed the database that they use when assigning detail from the reg number had actually listed the car as a.. subaru impreza wrx uk 300. My car is infact a ... subaru impreza wrx sti type uk prodrive. I thought nothing of this as I had entered my licence plate into the website and it had subaru and uk 300. It was only when I had browsed a few enthusists forums about imprezas that i realised that, technically, this was a slightly different car. (I still don't get it all to be honest!). I worried about this, so I sent an email just before xmas telling them I felt it only fair to point out that that their records of the type of vehichle may be wrong. Got an email back stating... "All prices quoted are in pounds sterling. Thanks for getting in touch. Just to let you know, we've changed your changed your vehicle on your policy from 22/12/08 as requested and updated documents are on the way to you. There is an extra charge of £356.21. As a result your new monthly payments are £106.69 with the next payment due o 21/01/09. Yours sincerely, Kathy Mead Customer Services ECSE" This is on top of a policy that already costs £700. Surely this is an error on their behalf not mine? I know I can get a full years policy for that increase alone. Is it my fault their dvla database is wrong? GRR!!! John

Thank you! I'm not scared of issuing court papers, but would love help to get it right.

Hate to bump a thread. but really am stuck with how to take this through the small claims process. Any help would be appreciated!

Following the final response from on:line saying it was the "dealership" not their fault I made the complaint to the financial ombudsman and got a letter saying they can't help as they werent under the juristiction when the poluicy was sold back in 2003. Not sure what to do now. Obviously only court action is open to me now. I have no problems doing this as its something I feel strongly about. However, I think I need to read round the arguments that would be used to lodge the court claim so I can get my head round it and feel comfortable before starting any action. Pointers towards other's threads where the court action has been involved would be gratefully received!

A bit of advice would be greatly received. I bought a car where the finance was underwritten by online finance (gmac really). It was from an "auto parc" where there are lots of small dealerships and they all use one agent onsite to sort the finance out. The finance was agreed to me but, the salesman said, after speaking on the phone to online, that I have to take their highest ppi insurance possible and "GAP" insurance. Over the full 5 year term, the total equates to nearly £2000. The salesman also never made any enquiries into my circumstances as I was about to become a full time student in a couple of months time, so the policy would not have been any use to me anyway; let alone the salesman informing me that a 3rd party policy could offer the same cover at a greatly reduced rate. They have replied to this letter airing my grievances by stating that they merely received paperwork from the "dealership" and that any problems, the dealership were at fault not them and they would not refund and this was their final response and then the stuff about the financial ombudsman to take it further. Can that defence actually stand up to scrutiny? Surely they have a duty of care to ensure their products are sold appropriately and they are just trying to fob me off at the first contact? The actual salesman/company does not seem to be there anyway. I do have all the forms filled out for the financial ombudsman complaint, and have no fear in taking them on as they have been brutal in there exploitation on the contract/law with me if I was ever late with a payment etc. Any thoughts would be greatly appreciated.

I actually thought the accepted life span for white goods to be 3 years (though I've heard the 6 year term bounded about). I do, personally, think 6 years to be fine, 3 years is a bit stingy for white goods as you could spend well over £1000 on some appliances. Saying that, I wonder if this "depreciated cost" responsibility thing has ever been tested in court.

It appears we have a result. Got a "without prejudice" letter today. The choice bits include.... So, they are paying the full cost of repairs and my court fees. It's just a shame that it has to be down to bringing court action that ensures big players actually honour their duties under the Sales of Goods Act. A side note, they obviously know what their duties include as they state "an expected 6-year life span" for white goods. Chalk one up for the good guys

another update. The moneyclaim is in. They have acknowledged it. I guess its time to see whose poker face wins