Thanks for all your help everybody the finance company are paying 100% of the clutch replacement plus labour aswell as the £39 for the inspection from the BMW specialist. It comes to £1300 in total which I’m really happy about. The finance company rejected my complaint but as a gesture of good will paid out in full.

Nativity and too trusting, been like that all my life, at times it has it pluses, but it also means you are open to getting ripped off as was the case here. I honestly believed every word they said, needless to say my wife has called me an idiot since!

The MOT was fine in June 2021 the Scotia report is saying it wouldn’t pass its MOT with a clutch problem, yet it had an engine light on when I inspected it, had ECU problems and now a clutch problem, sounds abit iffy so a new MOT might be a good idea too.

Many thanks for your reply, I have sent Oodle a lengthy email outlining what you have wrote so I appreciate your help. The agreement is a hire purchase, and the dealer is around 60 miles away. Good point too in insisting the car has a full inspection, not just the clutch, as the previous repairs may have been bodged.

Hi, I need some help if possible please? On October 2nd 2021 I bought a used BMW 3 series from Cheadle Car Sales of Cheadle Hulme Manchester for £11500, I paid a £2250 deposit made my bank transfer, and the rest was financed from Oodle Finance. Before I continue, I have to admit to being too trusting and a little naive at times, anyway here goes: I inspected the vehicle prior to buying and noticed an engine light on, I questioned what this was but was told it was a sensor that would be fixed and it wasn’t a big issue, however I was not allowed to test drive the car as it was juddering due to the sensor issue. I stupidly took their word for it, and decided to go ahead with the sale. When I collected the car on the 2nd October, I noticed the engine light was out and the dealership told me it had cost £500 to fix the issue and it was ready to drive home. I drove the car back to Blackpool (around 60 miles away) without an issue. After having the car roughly a week, I felt the car majorly juddering and it came to a point where I couldn’t drive it, the engine light came back on and I had to have it towed home by the AA as the engine was misfiring. I spoke to the dealership who were now incredibly rude now that they had my money, they said I had to return the car to them in Manchester if I wanted it fixed, I must say I wasn’t overly happy about this as I thought they would do a bodged job, I also reported the issue to the finance company. Reluctantly I had to have the car towed all the way back to Manchester at my own cost, for them to attempt a repair, they had the car about a week ( whilst I had no courtesy car) and I got a phone call saying the car was ready to collect as the issue was with the spark plugs and they had been replaced. I collected the car and got nearly half way home and the engine light came back on, once again the car had to be towed home at my own cost. I reported the issue was not fixed to the dealership and finance company who insisted I needed to have the car towed back to Manchester again at my own cost, I therefore reluctantly agreed again. They had the car around a week again (once again I was without a courtesy car and spending a fortune to and from work in taxis) and I was told the problem was something to do with the ECU wiring, and it had been fixed. I collected the car and noticed the issue had been fixed however I was still noticing juddering in the lower gears but there was no engine light on. I left it for a few weeks to see if the problem went away (not knowing if the car drives like that as it was a new car to me) or if there was still an issue. On the 21st of December the car became ridiculously juddery in 1st and 2nd gear, I realised that also gear changes were getting very tight so I had the car independently inspected by a local dealership who had said the clutch was at the end of its life. I reported the further issues to the finance company who got an inspection done by Scotia, the report said the clutch was at the end of its life, but would have been okay at the point of sale and is down to wear and tear of a car that has done nearly 60k miles and a 16 plate car. The dealership have refused to do anymore repairs on the car saying its out of warranty. I don’t know what to do next really, to my mind I wouldn’t even have had the car three months when I reported the clutch issue, also got with all the other problems its had, I am getting another independent inspection done on Wednesday by a BMW specialist that is local to me, and was going to use this as evidence that there is no way I’ve ruined a clutch when I’ve only driven 1.5k miles in it and actually only had the car around 6 weeks when you take into account the time its had back at the dealership due to the previous repairs. Do I have a chance if this goes to the ombudsman, and what should I be doing next? Sorry for the long post, but I’m really worked up about this due to the amount of money that I’ve spent, it feels like I’ve been conned out of money. Thanks for any help.

hi everyone, i am lucky enough to start work monday following 2 years unemployed and claiming employment support allowance i am asking the question if i can get any help with bank charges my bank account has got about 1000 pounds worth of bank charges in the last two years as i could pay my bank back for going overdrawn. my credit card is similar too i can not use my account as anything paid in is swallowed up by the huge debt left by the bank charges with me starting work monday i am going to need my bank account as they wont be able to pay me otherwise. is there anything i can do to get these charges back and get my account back in some sort of order? i asked if i could pay them the money back slowly but they wanted 90 per month, and i was only getting 67 pounds per week so couldnt agree to this, they wouldnt accep any less so the charges have gone through the roof. any help would be fantastic thanks james

thanks alot for that, just what i need

hi, i have searched the forums under littlewoods accounts and dont really understand how you get the claim started, i have some knowledge of how to reclaim charges as i have wrote to my banks and credit cards about asking them to provide me with all my statements for the last 6 years, i just dont know how to go about asking with regards to a catologue account, is it the same kind of proceedure, does anyone have any links to the forms that i may find helpful to download and print, as ive looked and cant find the info i need to get it started, i am struggling to understand alot of what i have read with regards to littlewoods to be honest. lol

thanks i will do that now

hi, could anybody give me a bit of information on littlewoods, i have tried searching, but must have been searching in the wrong place coz i cant find anything. Basically i have an account with them where i buy items and pay them off at like 25 pound a month, (i dont have a store card just an account) however due to recent financial problems i have missed 4 payments and been charged £12 for late payment charges, could anybody tell me if they can do this? and if they cant does anybody have any forms i can download and fill out to send to them so i could reclaim the money, thanks in advance.

i will do that, thanks for advice

I had claimed back roughly £200 in over my agreed overdraft charges last year. This is the 1st time i have gone over my overdraft since then and have been charged, so when they take this money off me, then they will owe me £50 plus interest. But the problem is i cant afford for them to take £50 off me as it puts me in severe difficulty in paying my rent and paying for food. The person at the bank seemed genuine, but i asked over and over again if she could do anything, and explained my financial difficulties at present , and she kept saying "i can't do anything" to the point where she just wasnt going to budge.

thanks, realyy helpful advice that, much appriaciated

Hi, i tried the letter at HSBC but they have turned the request down. How is the case going in court, are the banks going to lose? I am so annoyed that banks can still take money off you, even though everything is frozen for thier benefit

thanks alot, i will see if this works tomorrow

no i have a full time job, but my partner dosent work, so we get like child tax cred, working tax, and housing benefit, because i am on a low wage. unfortunatly, after everything is paid we have £4 a week between us.

thanks for your reply, i went in person today and explained my money situation, she seemed like she wanted to help, but said her hands were tied and she could do nothing to stop them taking the money. just shows how annoying it is in my opinion that this is taking so long in court, because people are still getting charged while they cant afford to pay it. When they put a freeze on anyone making a claim against the banks, there should have been freeze on them taking any money off us, until a decision is reached.

I am due to be charged £50 at the end of the month due to going over my agreed overdraft twice by accident. I am really worried that this £50 is going to be taken directly out of my account, even though i have rung the bank and wrote to the bank stating that the charges are unlawful. The main thing that bothers me is i cant even afford the £50 at the moment and it is going to stop me either paying my rent or being able to get anywhere near enough food in for my family, is there anyway i can stop them taking the money or make them accept a minimum amount each week instead of one lump sum, because if they do i am getting myself into financial trouble. I know it is only £50 but, with me having so little money right now, i really need it. I went into the bank in person and asked for them to take it in small amounts, but her reply was that her hands were tied and she could do nothing, even though she simpified. please any help would be great. Thanks

its ok i have found the letter. Thanks

yeah its been sent now. Where can i find this letter to accept the offer as a partial payment?

yes must admit the whole court thing seems daunting and dont really wish to go down that route. I will send capital one the acceptance of thier offer as a partial payment What i will also do is send this letter off to FOS with just the "Final Offer" letter from Capital One, i cant send any other documentation as of yet as i havent received it back from Recover my charges. I just think it will be a good idea to actually send the letter off to FOS now so i can get my foot in the door with the complaint and then send all the relevent documentation off to FOS as and when i get it back from Recover. Thanks for your help

i have got my details back free of charge because they couldnt find the contract that i had signed. Now to the next part capital one's offer is final. I have got an application form to start a complaint with the ombudsman, is this the right thing to do? The interest works out around £250, they said i may be able to recover the interest in my complaint.

Thanks everyone. I am at the very beginning of my claim really, recover havent managed to get the statements from citi even though they have had over 3 months to do this. So i basically now need to send a few letters to citi telling them to send the statements to me and not to recover, and i think i will send everything recorded delivery so they cant use the excuse of "it must have got lost in the post" or "we never recieved it"

okay the update is, i spoke to recover this morning to ask for a breakdown of the £150 charges, she was unable to to answer my question, so then i asked for a copy of the contract that i signed as i was never given a copy, she said that she would send it me in the post. i just received a phone call from recover saying that they are no copies of any contract for either of my files, she said she didnt know how it happened, so she will send me my files and all my information back for free. So i can do this on my own now and with the help of people from this forum Thanks for all your help so far, its very much appriaciated

okay thanks for this info, so far recover my charges havent even managed to get the statements back from citi, even though they have had over 3 months. Basically my next step is to write to citi and ask for all statements to be sent directly to me and not to recover, even though i think recover have paid a £10 fee for the statements. i am just worried that recover would then maybe in 3 or 4 months times acknowledge that i had taken over this and then ask for more than £150 and maybe ask for the 25% of what i was owed + vat. Its the biggest con ever what they are doing. The other thing is Citi sold the debt to a company called DLC, i have said that the debt they bought is in dispute, so they too would like the statements of the account to see what i owe. They said something about wiping the debt completeley and sending it back to citi