All sorted now guys, I had a call this morning and was offered a full refund for the duff vehicle. thanks again for all your advice.

Thanks guys for the replys. Some more info that I have remembered now I have calmed down a tad. The car was in my possession for less than 19 hours and was only physically used for around 40 minutes before going into limp mode. The dealer was made aware asap and I dropped it off at 10am this morning. I dropped the keys off and made it clear to the guy I wanted a refund as It was not fit for use, to this he replied we don't do refunds, we will fix it. I told him again I wanted a refund as no one expects a car to die within an hour of use. This is when he said no I reminded him about the small claims court and that was when he stated he knows the law inside out, and to take it to the small clames and wait 6 months I left the car and he said he will call at lunch time tomorrow with his decision. The dealer is ocs Ltd orchard car sales, The registered owner via company's house is Scott Alexander martin, and goes by the name of Alex Martin. They have one yard and a sales forecourt with about 40ks worth of assets at both places. And has a registered home address not far away. Also when The car went Into limp mode there was no engine management light on, so I Don't know how he is to repair it as there will be no fault code stored when put on a diagnostics so not 100% sure what went wrong. Regards To You all

Afternoon all, I purchased a 2007 vauxhall vectra yesterday from a dealer I paid 2795 for it, it had just passds it's mot that day with no advisory. 40 minutes late I was on the m4 and the car went into limp mode I called the dealer and he said to turn it off and back on again this worked for about 2 minutes and then into limp mode. I got recovered home and today took the car back to the dealer and asked for a refund as I have no confidence in the car anymore. The dealer was very abrupt and said they don't do refunds they will trying fix the problem I told him again I don't want the car as it's not fit for purpose, he told me he knows the law inside and out and to take it to the small claims court and wait 6 months. How I remained calm I don't know as I wanted to snap his pencil shaped neck. I left the car with him and told him I refuse the sale and want refunding. Can any of you guys help in what I can do further please as we need a car asap for work and with a disabled person it helps to get about. Sorry forgot to say this was a cash sale.

I rember that I had an attachment of earnings order but apart from that I don't rember ever receiving any information about a ccj

Hi there I think it did go to court as distinctly rember the county court stamp on the paper work. I will print a ccc a request tonight thanks again folks

Hi there thanks for the quick reply it was for an unsecured loan.

Afternoon all some help needed. I took a loan out in approximately 2000 I was injured at work and could not afford to pay my amount so after a while restons became involved and when I was back in work sent an attachment of earnings and I was paying about 100 a month direct from wages, I was then made redundant and did not hear anymore this was about 4 years ago. Today I recived a letter from HSBC saying they had sold my debt to lowells. How do I go from here I don't know what to do any help would be most helpful.

It must be lowells day I to have received the same letter today both the same as yours, and again over a year after my last contact with HSBC. Any help would be much appreciated

is there a template of the sort of thing i should put in the letter thank you for your reply

hi there guys im in need of some advice i had a bike insurance policy with bennets insurance i used it for a whole year never missed a payment then decided to sell my bike i phoned up bennets and canceled my insurance and posted the certifacate back to them (not recorded) how ever bennets tryed to take a payment from my account for the renewal i phoned my bank and canceled the dd. i then recived a letter from c.a.r.s asking for the £30.85. i ignored the letter and today i have recived another one with "the notice of legal procedings" and then a phone call i spoke to a lady and she said because i did not terminate my policy in writing the insurance roled over for another year and because i had canceled at my bank i had to pay for the month bennets wanted and becouse i could not prove i had canceled it they were wanting payment at which point i put the phone down(i dont normaly speek to dca) what can i do i will not pay them and live just round the corner from them so if anyone turns up on the door they will be told to leave. thank you for taking the time to help me on this matter regards to you all and dont let the [edit] grind you down

hi there all, i have served a cca agenst littlewoods and have just recived there response it says "we refer to a recent request for a copy of your credit agreement. unfortunatley we are unable to find a copy of an executed credit agreement for your littlewoods account. but for your infomation we enclose a copy of the current agreement which applied to this type of account. this version includes all contractual variations which have taken place." i would like to know what i should do from here any help would be realy good as they asked me to sign a copy of there cca and send it back to them (dont think i will be doing that):grin: and is this debt still enforcable ?? thanks for your time peeps regards to you all danny

hi there all, i have served a cca agenst littlewoods and have just recived there response it says "we refer to a recent request for a copy of your credit agreement. unfortunatley we are unable to find a copy of an executed credit agreement for your littlewoods account. but for your infomation we enclose a copy of the current agreement which applied to this type of account. this version includes all contractual variations which have taken place." i would like to know what i should do from here any help would be realy good as they asked me to sign a copy of there cca and send it back to them (dont think i will be doing that) and is this debt still enforcable ?? thanks for your time peeps regards to you all danny