No 14 days notice has been given the car is being held in the garage on the instruction of the lender. The rejection was formally refused so holds no merit or reason for the termination the FOS AGREED on this point. However it reminds the FOS have confirmed that as the business no longer wish to do business with me they are under no legal obligation to do so. The car will not be returned. This is a consumer credit regulated agreement and I'm baffled. They have offered me a without prejudice £200 quid if I post the logbook with my name to them again supported by the FOS

Hearing set for May 18th. Today had notification of assignment to Solicitor firm. Have been contacted by the solicitors:- Dear Sir, Thank you for confirming that the directions proposed by us are agreed. We will write to the court to confirm that this is the case. All your other points are either irrelevant and, or denied. If you have any proposals worthy of consideration we suggest you make them. Failing which we will exchange as agreed and leave the court determine the final outcome. Yours faithfully, I want to offer 50% of the claim 3 years paid over 2 years. The debt prior to 2013 is not mine or my responsibility and due to this this is how it has got to litigation. The claim is for usage from 2009 to 2015. I accept the charges from June 2013. Welsh water refused to deal with myself and the account was managed by Fredricksons international who failed to acknowledge my dispute and continued to demand money by menace. Furthermore they refuse to accept my application for the water assist scheme which would allow the full amount to be paid over 12 months with the support of a grant as litigation has been commended. I'd happily to the water assist scheme at £50 a month. Any advice for going back to these as it's my last attempt prior to hearing and they've invited the offer

Is anyone able to confirm the termination rights under the consumer crediticon act. The FOS have supported the finance company in unwinding the deal some 6 weeks into the agreement. Initially due to issues with the car which have since been repaired I did attempt to reject the car this was declined. a month later when the finance company feel they took my car from the garage. "With regards to me not recommending that 1st Stop arrange for the car to be returned to you, I can understand your thought process for your previous rejections of the car not being something that 1st Stop can rely on. However 1st Stop is within its rights as a company to decide who it wants to do business with, and I don’t necessarily believe that it has a legal requirement to do so." Is someone able to refer me to such legislation. This decision was made by an adjucator and I have escalated to the Ombudsmanicon While I do have another thread the events have changed paths and this is not relevant to the initial topic in other thread

Is anyone able to confirm the termination rights under the Consumer credit act. The FOS Have decided that they will not be telling the finance company to return the car "With regards to me not recommending that 1st Stop arrange for the car to be returned to you, I can understand your thought process for your previous rejections of the car not being something that 1st Stop can rely on. However 1st Stop is within its rights as a company to decide who it wants to do business with, and I don’t necessarily believe that it has a legal requirement to do so." Is someone able to refer me to such legislation. This decision was made by an adjucator and I have escalated to the ombudsman

I have today involved the fos who initially said that I have to allow finance company 8 weeks. I persisted that the fact was the car is being unlawfully impounded and despite being serviceable now is failing to be returned. I emphathised the fact their position had only changed since the complaint was submitted. To which they made contact with dealer and asked them to communicate with me by end of day to confirm what's happening with car. Despite my rejection being refused and being made to wait over a month for a repair. The finance company have now decided to process the rejection. They are refusing to hand the car back after repair as agreed. They are refusing to pay the agreed compensation that was agreed on 24th March when they refused the rejection to allow repair. They are confident the deal has been recinded. The fos are aware and tried to make further contact however they were unavailable. Seems they think they are a law to themselves. All because I complained about they lying about a repair being complete. I haven't waited over a month for nothing I want the car back repaired as agreed. It was agreed that the car would be returned after the independent inspection but now they have back tracked

Thanks I know they'll accept the rejection. Where do I stand in getting them to release the car back to me or formally provide a reason to retain. I feel that if I sacrifice the car I'm losing out. Now that's the car has been repaired and a considerable amount spend I want possession as per the consumer credit agreement

Hi Apologies for the confusion. They are refusing to hand the car back or to communicate with me since it was discovered they had lied about a saftey repair. A formal complaint had been submitted to which I have been told they will respond within 8 weeks. In the meantime they have possession of the veichle Hi all Another working day. Car is unlawfully impounded somewhere. No comms from finance company all correspondence ignored. Phone calls met with the person you need to speak to is unavailable Any ideas?

They have not collected the 1st April payment due to car being in for repair and they said they would suspend the agreement pending repairs

Based on the repairs and the independent inspection report and after waiting 30 days it would be silly for me to reject the car. Initially that was my request however it was declined and I've been made to wait 30 days. The car is now repaired with several new parts and in decent condition.. Based on that I want the car back especially after waiting a months for these repairs Quite a lot of work has been undertaken which is why I'm not happy to accept however they want me to reject. The repairers stated that they had replaced the dual mass flywheel and three piece clutch assembly and that in their opinion this was the engine noise reported by the customer.* They also advised they carried out extensive diagnostic testing and had replaced the control unit relay and sensor which had reportedly resolved the illumination of the instrument warning lights and fault codes.*

That's what they want. Despite decking two rejections they now want me to agree a rejection. This has only been the case since they lied cia email regarding a saftey sensor repair that had not been done

Wrong dates should be 2016 car was purchased March 2016. First payment is not due until 1st May so no grounds to repossess. My calls are recorded

Purchased from Dealer on 3rd March 2016 Collected on 4th March 4th March ABS light illuminated 8th March email to dealer to advise of further issues 9th March Car returned, Email to allow 14 days for repair or rejection under consumer rights act 2015 The traction light & handbrake light illuminated as well as a red caution sign this made 4 lights illuminated including the ABS light. While the car was running idle there was also a ticking noise in the engine, I also reported issues with the brakes however I do believe this is linked to the traction light. 21st March Rejection letter and letter before action served to 1st stop finance. Rejection refused as part on back order with dealer, I confirmed this myself with main dealer 4th April notification of complete repair 5th April Automotive Consulting Engineers LTD conducted an EXPERT independent report paid for by 1st stop finance on based on my request to accept car. 6th April – 15.30 – Car delivered to home address. I was not in to accept collection no prior notification 6th April – 16.23 – Vehicle inspection report supplied by 1st stop finance Report identified a fault relating to the steering angle sensor this was identified after the traction light illuminated ( the traction light was an initial mentioned and reported fault) This is an extract from the Inspection report:- The repairers stated that they had replaced the dual mass flywheel and three piece clutch assembly and that in their opinion this was the engine noise reported by the customer. They also advised they carried out extensive diagnostic testing and had replaced the control unit relay and sensor which had reportedly resolved the illumination of the instrument warning lights and fault codes. In our opinion based on the visible evidence we can conclude the only fault identified at the time of our inspection and road test was the illumination of the traction control light after travelling a distance of less than half a mile. This remained illuminated throughout the duration of our road test and when carrying out diagnostic testing using the repairers' diagnostic equipment this revealed a fault code relating to the steering angle sensor. As such clearly the vehicle would require further investigation and component replacement as required prior to the vehicle being returned to service. However there was no evidence of any further issues in regards to the reported engine noise as advised by the repairers and no evidence of any faults with the braking system, the ABS or traction control lights. We consider upon the repairs being carried out the vehicle should then be subject to extended road testing to confirm the repair has been a success and the vehicle would then be in a condition to be returned to service. Despite this the car was attempted to be returned with just a simple reset the sensor has not been replaced as per the report recommendation. Any advice please? The finance company are now ignoring all correspondance The dealer have confirmed the repair has been complete however they won't allow me access to veichle and are directing me to 1st stop finance. They were happy to deliver the car until I raised a compliant in regards to them confirming a saftey sensor had been replaced when it had in fact not been Any ideas? They have refused to return the car to myself and have advised they will respond in 8 weeks to my complaint. They were happy to deliver the car Wednesday however it was identified that had lied about a sensor being replaced. The car was confirmed as servoacble yesterday Thursday and due to me submitting a complaint they now are refusing me access to my car. I have informed them I consider the car illegally impounded Since it came to light they lied about sensor being replaced they have offered me a rejection however I want the car back on previously agreed terms Are there any legal powers that allow them to illegally retain car and fail to disclose its location ? Laughable after trying to establish the statistics of my car and I admit I did get frustrated at the end as I still don't know the location of the car. The police have been here on a welfare call to check on me as I appeared angry and anxious on the phone to 1st stop finance. What are they playing at?? Instead of phoning police why now just reply to my emails

Thank you for this. Much appreciated. Hopefully will have a decent update shortly Reply from the finance company managing director I would also need to investigate the matter, which I will ask my fellow director Mike Taylor to look into first thing. * I assure you that we take all complaints seriously and in no way deny any customer their rights. * Please advise most convenient number for Mr Taylor to call you tomorrow morning. * Regards, ** David Enright Managing Director 1st Stop Car Finance The finance company 1st stop car finance have taken hold of this and in all fairness are being extremely supportive. I have let myself down as I have signed a form allowing repairs however at that time It was on the condition of 14 days and also the faults noted at that time I was not aware of the relay issues. The finance company have put forward a proposal in principal and are going to try and seek the part needed that's apparently on back order from their dealers. The finance company have advised that once the car is returned I am legally on day 4 of the consumer rights legislation as it was paused once the garage had possession of the vehicle. The finance company are also at their expense going to arrange an independent inspection of the car before it is returned. They are awaiting a date from the dealer for completion of repair and then will be in a position to issue a formal response

Yes was rejected 2 days later can back that up with emails. Finance company agreed the repair I have this on a recorded call, the garage were very specific that the finance company owned the car and I needed there consent to allow the garage to consult repairs. The garage made me phone them before accepting car for repair. However since the car was put in for repair 14 days has passed, I have been advised that they relays are being replaced this was not an original fault. Furthermore when I requested the car was returned to me pending delivery of the parts I was told that as the issue was connected to brakes the car could not be released as its a saftey issue

This has been done and has been met by, " we have to allow them repair so you are still liable under the agreement and payments are due" I returned the courtesy car to dealer who advised that once car was fixed they will park it in public car park and phone police cause it's not insured. Sit back and await the payment demands then isit Conniff and defend any claim the finance may bring against me isit?

Hire purchase How do I proceed if the dealer and finance company do not allow me to exercise this consumer right? Garage refusing the rejection Thank you for the recent email in regards to your vehicle. *It is unfortunate, we would not be able to uphold your rejection at this time. Xxx was given the vehicle for repair which we are in the middle of completing. However, the one part we are waiting for is on back order until the 24th which was explained to you hence the reason of the hold up. *If you do not want the vehicle anymore, as we spoke about this when you first visited xxx you would need to take this up with the Finance company as they own the vehicle. Unfortunately, by law once you give consent to repair a vehicle you cannot then take a reject on these grounds. The below faults you have listed are faults due to the relay, in regards to the reasonable amount of time this does not include any parts on back order unfortunately, has this is even out of the dealer’s hands. *As I previously said in my earlier emails, I understand your frustration but we are doing our best to get this resolved as quickly as possible for you. In regards to the insurance, I can’t quote on that but I will speak to the finance company in order to see if they are going to be collecting the vehicle from us and liaise with yourself from there.

6th March 2016 car bought for £9999.00 8th March 2016 The ABS light is illuminated. The TRACTION light is illuminated. The HANDBRAKE light is illuminated. There is a loud clicking noise in engine when car running idle. BRAKES are failing Spoke to finance company and dealer to reject car. Took back to dealer and a repair was arranged with dealer and finance company. I was given a courtesy car. 21 March repair not complete advised relay for brakes needed replacing and part was on back order. 22 March returned hire car to dealer and formally rejected the car again 1st stop car finance are not allowing me to exercise my rights under the Consumer rights act 2015 and state they have to allow the dealer to repair and the agreement will remain valid. I am not prepared to accept this car. It was sold under the pretence it had been subject to a 99 point RAC check. The car is in dealership I have cancelled the insurance and tax and returned the hire car is there anything I need to do to support this rejection 9th March email Dear Sir or Madam, Complaint about faulty goods I bought zxxxxxxxcx from you on 6/03/2016. I paid £10,000. I now find the goods have the following fault: The ABS light is illuminated. The TRACTION light is illuminated. The HANDBRAKE light is illuminated. There is a loud clicking noise in engine when car running idle. BRAKES are failing. Under the Consumer Rights Act 2015 goods you supply must be of satisfactory quality, be fit for purpose and match their description. As there was a problem with the goods when I bought them, I request that you give me a full refund. I appreciate that a repair is arranged for 3pm today 9/03/2016 and hope the car can be fixed however if the car is not repaired I would require a full refund. Time is against us hence this written notification in support of my claim. Please respond within 14 days of receiving this letter. Yours faithfully Email received on 21st March I understand your frustration on the matter in question. However, I can’t release the vehicle back has the relay we are waiting for is connected to the brake lights. * The part we ordered is unfortunately on back order with the dealer and the date we have been given is up until the 24th I’m afraid. I will keep on to the dealers to try and hurry the process up, but as you can imagine it’s out of my control. * Sent on 21st Complaint about faulty goods I bought Toyota Rav 4 SM61 OFT from you on 05-03-2016. I paid £10000. I now find the goods have the following fault: The ABS light is illuminated. The TRACTION light is illuminated. The HANDBRAKE light is illuminated. There is a loud clicking noise in engine when car running idle. BRAKES are failing.. Under the Consumer Rights Act 2015 goods you supply must be of satisfactory quality, be fit for purpose and match their description. As there was a problem with the goods when I bought them, I request that you give me a full refund. Please respond at your earliest. Yours sincerely Email from dealer basically them admitting car was not of satisfactory quality when sold Thank you for your emails. I am pleased that we were able to arrange a new appointment for you this afternoon following the events that occurred this morning. I understand that you simply wish to be in possession of a vehicle that is of satisfactory quality. Please rest assured that this is also our wish. As the vehicle is currently with our aftercare team for inspection and repair, I am confident that all necessary work will be completed at the earliest opportunity.

Mediation failed. Offer they put forward was full amount paid over 3 years.

Thanks happened in 2014 and Lowry beck condemned my gas meter. A smart meter was fitted to my electric. The gas meter needed replacing however they needed gas board assistance due to removal of external wall. 18 months later this ain't been done. I have spoken to ovo they have seen their notes and will refer back to me at end of day. They did no put a smart meter on gas in 2014 due to the issues with the meter I'll keep you updated.

They have now appointed face 2 face to do a home visit

Am I obliged to say that in public and to court as I'm going to state the burden of proof is on the claimant. Be assured it was not myself and I can provide letters at another address for the times in question however welsh water claim I can be responsible for more than one property. Sorry if being over cautious

The credit file entry states the account was opened in 2006 see previous post. I was 16 at that time. DECEMBER 2008 I was 18. Furthermore under section 150a of the Water act I need to be given 28 days notice as a consumer of intended legal action. A Letter before action was posted 14 days prior to claim being issued. So under the legislation the water act that this claim has been brought against me the claim is not compliant

Update Welsh water have responded to my SAR request on day 40. Included in this was a memo, the text has been marked over however under a light you can clearly read "Inspector 3333 visited address 4th Jan 2011, house for sale. Note from neighbour property unoccupied. Phone line has been disconnected. Refresh welsh water bring this claim from November 2009. I have provided them Electrol roll information that I was occuping the property since 2013. They are trying to claim for the 4 years previous. Document exchange and witness statement to be filled at court by end of month. Judge ruled back to mediation as was cancelled due to overbooking so this is now running along side proceedings and is booked for Friday.

Update BEKO have resolved this to my satisfaction. As for Brighthouse I still have not heard from them. Not that I'm shocked.

Admin Team if this is inappropriate please remove. Play them at their own game. Nothing unlawfull or underhand but make a stand at your local store and media attention and court action seems to get these guys scared.