hi we have this http://www.churchill.com/churchillguide/emergency-legal-cover.htm its not a motor insurance we took it out with our house insurance its called legal protection its worth every penny if you get into problems its don't cost nothing to use it we can even have our own solicitor if we want , if the case is strong enough they will help you fight your case in court and no costs will have to be paid if you win or lose .but your case as to pass and they must have a good chance of wining before they will take it on . i would think if they win they get all the costs back off the 3rd party and what ever your fighting for . i would think i would stand a good chance as they would use the SOGA against the trader thay also said to me i can claim a courtesy car and they will charge this to the trader when the case is running .but i have not desided to go down this route yet as the trader is playing fair so i have to give them a chance first to put the problem right . Family Legal Protection will pay your legal costs to help you claim compensation for your loss. Most people don't have a personal solicitor to hand or can’t afford their charges. For a small premium, Family Legal Protection will cover your legal costs up to £50,000, win or lose, and is available for all members of your family living with you.

Hello just reporting back .the trader done the duel mass clutch and flywheel on taking the duel mass out it was starting to break up and this was the part of the cause why I say part of the cause because after fitting a new one we still got vibration on the pedal I Contacted the manufacture of the clutch that they fitted as I know the name of the company they use I can't name then for legal reasons but they said if they had fitted a new clutch there should not be any vibration now a new ones on the car . But said there could be unlined issues else where that should be investigated as this could have caused the previous clutch to go so soon but they said they needed to check and find the cause . I think they fitted a new one including duel mass fly wheel this is debatable as we did not witness a new one going on as we was not in the workshop when fitting it but I can't see them taking the whole car apart and putting say a recondition one on it would be pointless .but there was a new one on the desk when we arrived well we seen the new one before they took it in the workshop for now I am saying its a brand new one that as been fitted . The bad news is I still have a vibration on the clutch pedal so there is still a fault somewhere .after speaking to lots of taxi drivers who use here same car as I bought all said as not having no vibration on the clutch pedal so comparing car to car they should be the same . So what next the works been done a letter as gone off to the trader trading standards are backing us and is going to phone the trader soon .if we don't get a reply . I don't want a refund but we want a car with out this problem .so do I go back the person that fitted the clutch . So want now with my legal rights I have legal protection that I can use and this is family cover with Churchill and I have the letter here to fill in this gives us access to Solicitors and all fees and covers us up to £50.000 if they take the case on .they have already said we would be covered and they can get us a courtesy car if need to be .but they did say this is a last resort if all communication fails between me and the trader this is probably a fair to say . The trader is still working with us so I do not want to upset then to much at the moment as it would not be fair to give them a chance to fix the car first so anyone got any thoughts on this .

i pay for this every time and i would not be with out it when everything else fails like tradeing standards you can use this as long as you got cover that is . your first plan of action is to write a letter and keep all copys .if you are forced to go to court you can take a solicitor with you for free as long as your case as a good chance of winning once you present your case they will look at it and if they have a good percage of winning they will take it on as churchill said oh yes.

the only thing you can do is check your car or house insurance see if you have family legal cover on it if you as ask to speak your insurance and ask them to put you through and if your claim worth fighting you can get a solicitor on your case and all this free under your legal cover also your legal cover can get you a hire car if they think you can win . this is what legal cover is most people have it added but don't know if they can use it but this is what you pay for its worth every penny they will tell you how strong your case is and if they can beat them they will make mince meat of them as your legal cover will cover all your costs the trader will have to pay for is if he don't have it this is what it looks like i am with churchill What is Family Legal Protection? Family Legal Protection is a legal expenses insurance product providing cover for legal costs up to the value of £50,000 for the following areas: Contractual disputes A dispute that arises out of an agreement you have for buying or hiring goods or services, selling goods, or buying or selling your home Employment disputes A dispute arising out of your employment, which can be heard before an employment tribunal Tax protection A full enquiry by HM Revenue and Customs if it resulted from your work as an employee Property disputes A dispute that arises out of you owning or living in your main home Personal injury claims Death or bodily injury to you Inheritance disputes A dispute over something left to you in a will Legal defence Your work as an employee, which leads to you being prosecuted in a court of criminal jurisdiction or civil action being taken against you Motoring prosecution Your prosecution for an offence connected with using or driving a motor vehicle Salary while you attend jury service Your salary or wages for each half or whole day you attend jury service if you cannot claim them back from the court or from your employer

in order for warrantys to get better don't buy them its simple in the end they lose out and then things get better its easy .

what the rac dont get and others is when they except a warranty on a car that done say 70000 miles they are also agreeing to the terms and should except that a car is going to have wear and tear there is no risk to them and the law should be changed they aways use wear and tear to get out out of paying its wrong these companys are makeing a fortune wear and tear should not be used when they take money on a car that as done this sort of milege they should be regulated better you could always use there book for bog paper and wipe your a in it . :wink:or do one better don't buy the warranty in the first place .

Trader garage

a plusating and vibration on the clutch pedal new clutch and duel mass flywheel about £1000 to put right .

if recording you must tell them go down there and face to face like the police do put the cam in your car window and then if he gets aggressive you got proof and then you can say you was useing the cam for a accident cam but you forgot to switch off when you got out of the car you got to have a reason and i would think this would be good enough .

nope its used but it cost £4000

get a small video cam go there ask him nice don't be aggressive and put is business to shame on the internet or take it to the police to show them also on smart phones you can get phone calls recorders make your phone call through your mobile phone use this as proof and show the police or tradeing standards its the norm these days big brother follows you around town with cams all over town they can use so why cant you .people like this are just bullys that are full of **** .

question when you have a major fault on a car that is only over a week old that was not on the car when you bought it when useing this law against a garage how successful are people making a claim for a repair or refund ,what happens if you write a letter like i did and they don't respond in a letter ,and what happens when you was asked to get qoutes for the repair and due to the price they will no longer respond or answer your calls do the garage trader really care about this law . my car as a duel mass clutch failing and due to the cost i may be left with the bill to get it put right .

hi they know as i been texting the owner of the garage and the warranty people have also been in contact with them also the warranty people have comfirmed that the car clutch on this type of car can fail around the 70000-80000 mark . all i can do is wait till the owners back i have given 7 days to respond to my letter but its nothing i can do but sit on it till they get back to me monday .we are ok for another car as we have my partners and my daughters so this would not be a problem .i give it a thought thou if things don't get done . i think the garage are just as pi..ed off as me really as it is an expensive peace kit to get done up to a £1000 at the end of the day thou if i wanted to pay less for a car like on ebay you would expect something like this to needing doing but the car would have not cost £4000 more than half the price may be . thanks i keep you posted and let you know what happening .

hi letter they got today we have copy of this the warranty people phoned me not sure where we stand with these ,spoke to garage not happy with me texting the person that owns the garage have to wait till owner is back monday to find out what happens next .i told the warranty people i will not pay one pence towards the car being fixed or giving permission for the warramty people to take the car apart this is down to the garage to sort out .thanks for the reply .

hi the fault is vibration pulsation on the clutch pedal you can feel this when you put your foot over the clutch possible in drive as well as gears feel as if they are snatching not smooth but the gear box is ok we been told its the duel mass clutch flywheel at fault and would get worse if we drive it and cause the gear box to damage .so the car is not being used now its only been used to get some advise on it to find out what the cause of the vibration could be so being carefull we are not useing the car as we don't want to get blaimed if something else goes because of this fault . we are hopeing to sort it out i just want to know my rights if things get tough as this job is not cheap to do . its a vectra 2005 cost £4000 over a week ago 10th feb this year .its the 22 feb now how can you class something as wear and tear when the car as only covered just over 200 miles 60 of them was from bringing it from the trader since we bought it the car as only covered 74130 miles and as servise history we done about 200 miles in it .

We bought a car from a trader the clutch has developed a fault and we have been quoted around the £1000 pound mark to put right .the car is still driveable but we have been advised not to drive it no more as it could cause further damage to the gear box if this clutch breaks up the car as only done just over 200 miles since its left the garage forecourt .we have contacted the seller but hes on holiday ,the car came with an 6 months gold maintenance warranty but in order to use this we have to give permission for the garage to do the work on the car then they have to summit the bill the the warranty people if the part is not covered then we have to pay for the rebuild how crap is this ,we are only covered up to £500 per claim ,we have written a letter to the trader to ask for a repair how don't know how successful we will be due to the cost involved ,what happens if the trader don't respond to our letter the car is parked up and we refuse to use it just incase we get blaimed for driving a car that is faulty and causing damage to other parts .the information as come from the main dealer to confirm the fault as being a duel mass clutch or flywheel also other local garages have confirmed this also to be the cause of the fault .the car as full servise history and as only covered 74000 miles . in the warranty all it do say is under the clutch what is covered they don't cover wear and tear i have not had the car long enough to be wear and tear Clutch Centre plate, pressure plate, thrust bearing, clutch fork, cable, master cylinder, slave cylinder. as being covered what are my chances in getting this sorted out ???is it the case that the car will be on our drive if the trader refuses to fix it and can we claim inconviences costs if the trader refuses to sort this out . any help on this would be great i need some information if things start to get difficult on what should i do next ?? thanks all