Hello. Thank you for your responses. Should I diagnose the fault correctly have it repaired then look at court action once I know what the fault was? Is it worth me taking it to another alignment centre as per your comments above as they will not be able to adjust the tow/camber either as the adjustment has been adjusted as far as it can go? Thank you Warren

Hello and thank you for the above response. I have attached a copy of the alignment report which was performed by the previous owner to myself. The garage which attempted the new alignment could not provide a print off as their printer was out of order at the time. However if I was to return to them I am sure they would do this without any issues if required. I believe the garage is competent (garage used was Chemix Website address https://www.protyre.co.uk/tyre-centres/protyre-chemix-wednesfield.aspx) they use laser alignment. They advised they loosened the bolts to adjust the rear tow but they moved it as far as the adjustment allowed and the alignment was still off the scale, the alignment centre did not advise that something was bent it was another garage which I used quite often and I had both mechanics speaking to each other at the time. Please confirm how you think I should proceed with this, really appreciate your help. If you need anymore details please advise. Alignment Report.pdf

Hi BankFodder, Are you able to help at all with my last post as I am not sure how to move forward.

Hello I have checked through all of my fathers documentation and he has not received any information from them relating to the policy that he is aware of. The only documentation we have is what we have recently requested from them and a copy of the policy booklet which again we have only recently received. I have attached the copy of the plan which we where sent if this helps? Documents.pdf

Hi Thank you for your responses. Policy is a decreasing term assurance. As far as i am aware the policy just had a set expiry date. i don't believe funeral is mentioned specifically, but this was obviously my fathers understanding through how they had explained the benefits to him.

Good morning, My father has asked me if it is possible to reclaim a life insurance policy which he took out with Friends Life, actual policy was with AXA Assurance). When my father took out the policy he was not aware that the policy expired after 12 years (policy was taken out in 2004 and expired in 2016. He thought the policy was for the rest of his life and would pay out enough on his death to cover funeral costs etc. I have asked him if he recalls receiving any documentation confirming this either from them directly or through the post and he does not recall receiving anything advising him an expiry date. I have also personally checked through all of his paperwork and cannot find anything. I am guessing I would need to do a Subject Access Request with the organisation, where would I go from here would I follow the same route as a PPI claim, what do you believe our chances would be of succeeding. Any help/advice at all would be appreciated. Thank you.

Hi again, I have hit my first curveball, I have typed my first letter as per the above however I have approached 3 garages so far and none of them can determine the exact fault without stripping the car down at a cost, they have all advised it is not possible to determine the cause by looking at it, obviously once the vehicle is stripped down they are then in a position to repair it or put it back together. Should I reword the above first letter as I will be advising them I am going to get quotes which I cannot obtain without the vehicle being stripped. Please help as not sure how to move forward.

Just want to say a big thank you for your support I will keep you updated.

Hello Thank you for your prompt response. The only information I was exposed to prior to the sale was the cars service book and previous MOT certificates. The receipts where found stuffed inside the back of the wallet which contained the cars manual along with the previous keepers receipt for the car and various personal details of his, these where found a few months after the sale had took place, but all I did with them at the time was took them out and stored them in a safe place. Can you please help to advise what you think my next action should be. Thank you for your help.

Hello hope you can help me, I have recently sent the below mail to the garage my car was purchased from, after a few days I chased them for a response they then asked me to call them, which i did, needless to say they are not willing to support the repair. They advised they are no longer liable as the car has been out of their possession for a long time and the car is out of warranty. I kept calm on the phone and advised them to send their response in writing witch they refused to do. Could you please help to advise what my next step should be? Good morning, On 22/09/2015 I purchased a BMW M3 from yourselves (Registration xxx xxx). I have recently had to purchase two new rear tyres due to increased wear on the inside of both of the tyres due to a fault on the car which existed prior to the car being sold to me. The increased wear has been caused by the rear Camber/Tow alignment on the back wheels, upon discovering this I immediately transferred the car to an alignment centre to have the wheels aligned however they are unable to complete the operation as something has been damaged/bent on the rear right wheel they are unable to determine how this has been caused. Upon checking through the history of the car an alignment operation was also attempted by the previous owner and could not be completed due to the same issue therefore the car was sold to me with this fault. I would like for yourselves to either pay to have the problem fixed and refund the cost of the new tyres + alignment (receipts can be provided if required) if you are unable to fix the fault then I would like the purchase price of the car to be refunded. I have attached pictures of the wear caused to the tyres, MOT certificate so you can calculate the milage completed on the tyres which where fitted to the car when you sold it to me (the new tyres where fitted a few weeks before the MOT was performed), the receipt for the original tyres and the previous alignment report to which you will see the previous garage also could not fully complete the alignment due to the same problem. Please also note your receipt advises the car was sold to me with 70,000 miles on the clock milage was actually around 71000 miles, I myself have only done 2253 miles in this car. I have been advised that due to the increased tyre wear the car is not safe to drive over long distances as this can obviously cause a blow out, alignment needs to be corrected before the car is 100% safe to drive.

I am looking to rent a flat/house myself, I am fully employed and am willing to pay the rent, however I have a friend that would like to share the Flat/House with me but he is unemployed due to health issues, would he still be able to claim Housing Benifit & Council Tax Benifit so that everything is split down the middle?

Anymore Ideas on what I should do with the above reply from Welcome?

Thank you any help would be appreciated.

Hi again, Does anyone have any suggestions for the above?

Hi There, Welcome have now replied to the above letter and they advised me that all information they have on me was sent to me in the subject access request, they have said if the information I requestes is not in the subject access request they do not have it. What should I be looking for in the subject access request? What would you reccomend for my next step?

Thank you for your advice postggj, I will be typing the above letter up tomorrow I will update the thread as soon as they reply.

Hi there postggj, Netcars are the broker they are on the internet (Used Cars, Used Car Search, Buy & Sell Car, Car Loans, Car Insurance - Netcars.co.uk) they are called Netcars 2000, they find you the finance for the car you want. As far as I am concerned Welcome arranged the loan as Netcars passed all of my details onto them. Welcome are the ones which called me and asked if I would be ok to afford the payments, Welcome are the ones I asked if they could reduce the payments in any way and they reduced the payment little by taking off mechanical breakdown insurance but they never offered to take off the PPI which is what makes me think they are liable not Netcars. Is there a letter template for the letter before action? I have already done a S.A.R is this the same kind of thing? Thank you for your help it really is appreciated.

Anyone got any ideas on my next step?

Hi there again, I have now received a reply from Welcome which again advises me they are not liable and it advises me to take the matter up with Netcars they have advised me to take the matter up with the financial ombudsman if I am not satisfied with their reply. what would you reccomend I do now? Should I go after Netcars?

Hi Paintball, Thanks again for your reply, I will be taking your advice. Known welcome it will take them about 2 months to get back to me, as soon as I have a reply I will give you an update. Again thank you for your help.

Hi both, Thank you very much for your replies. What do you think I should write to Welcome? Should I just clearly state that that my contract has Welcome at the top and PPI also has Welcome at the top therefore they are the ones who should have made everything clear to me? therefore they are liable for refunding my PPI? or do you think I should be going to the broker first with a S.A.R - (Subject Access Request)? Again thank you very much for all your help PS should my claim eventually be succesful I will definateley be making a donation to this forum as it's worth it!

Is there no one that can give me some feedback on the above

Hi Just wondering if anyone has had a chance to look into the above?

Hi again all, after 1-1/2months wait I have finally received a reply from Welcome which states the below. Could you plase advise what you think I should do next? I also have a subject access request if there is anything specefic I should be looking for please advise. Also all my payment protection insurance has Welcome finance all over it does that not mean welcome have sold me the policy? Is this just Welcome trying to find an easy way out? Please help:-) Now for the letter received today:- Thank you for your letter received in our office 24th June 2008. First may we point out that we where not involved in the original sale of your insurance policy. We simply provided the finance which includes the insurance premium, and arange for the cover with the insurers as instructed by the broker. If you have any complaints relating to the manner in which this policy was sold to you, please address them to you the broker at the below address Netcars The Loading Bay and so on! We regret we cannot help any further.

So the postal order has to be made payable to me? not welcome?