hi there, I'm very new these forums, and after reading a few posts my issue is not as drastic, but i thought id post an see if anyone can give any ideas. i bought a 2012 Peugeot 208 from a local arnold clark dealership. originally i was looking at and was shown around a brand new one, but i had to stretch the finances for the second hand one. anyway, i was told over the phone that the car was essentially the same minus sunroof and sat-nav, id already looked at online specs and was happy with what i saw. few days later i went and picked up the car a lovely looking rose quartz (subtle pink to you and me ) over the next few days as i was getting familiar with the car, i started noticing what was missing. i should say here that although i'm a 40 something guy i only sat my car test last year, and bought an old peugeot 206, so this is my first really nice and almost new car. so, what i assumed was on the car was...... parking sensors on specs as dealer option radio/cd player on specs as dealer option DAB radio upgrade on specs as standard similar options on the touchscreen as to the car id looked at interior options I.E. armrest the car has a radio controlled through touch screen, but it is an fm radio and reception is crap at best. no cd player, as said no DAB upgrade, touchscreen really only has the bluetooth function for phone music ect. this works great and has good sound, i like my music so i need perfection:|and no arm rest. i've been in to dealer a few times saying i felt ripped off as if i knew none of these were on it id have paid to get them put on with extra finance i had, and the fact that i was never even offered them. they've given me quotes for some of the stuff but i don't have that money now. most things the can say are dealer discretion but the DAB radio says its standard on the specs, ive spoken to peugeot on phone an popped in to two other peugeot dealers who all said it should be on as standard, one even said he was baffled as to how/why it was removed. i had asked for a bit discount if i bought what i wanted but nothing. so now its just about getting what should definatly be there, the infamous DAB radio upgrade. can i demand they upgrade ? is there somewhere i can contact for advice or help?would i be covered by any law around being sold something different from what i was expecting....???

Hi all i've stumbled across this website as I have Buchanan clark&wells chasing me, 2 weeks ago I got a letter regarding a debt from approx 9 yrs ago (next catalogue account). I called them to say they have the wrong person then i got a call on my landline and then a verification letter and now today a letter saying they will accept half the debt if i pay now (I have not admitted I am the person they aare looking for). I have read that you can send a "sar" letter if there is not a ccj against you and the debt is over 6 yrs old? i have joined experian but are waiting for a password so i can log in and view my credit file and see if there are ccj's. I am very worried about this as I dont have the money to pay and had actually forgot about this debt as i have moved several times over the last 10 yrs! HELP!!!!

Hello, I posted on here a few years ago with regards to my husband's catalogue debt - which is now under control, we pay Lowell £5 a month for 2 accounts and they've not given us any hassle. We're saving to buy a house, and I know he's had a few defaults in the past so we did an in depth credit check and the only defaults showing as active were his Lowell ones which we're managing - which is fine. Fast forward a few months and we get some post from our old address regarding a Provident Loan thing that's been sold onto BCW group and they're demanding over £1000 - has anyone had any dealings with these guys? this debt is now showing on his credit file but a month or so ago it was showing as settled. I emailed them asking them to put the account on hold and tell me why it's suddenly become defaulted when it was 'settled' (even though he hasn't paid but all they said was that they bought the debt and if we've paid it we have to send proof. We're happy to come up with a payment plan but something tells me these guys are gonna be difficult. Can I sent them a CCA? If so, can someone direct me to the template cos we did one for Lowell but that was such a long time ago. Thanks.

i was in debt managment company dcm apex 2001 to 2008 when it went out of buisness they paid this debt not on my experian records ?

Hi folks sorry if im going over old ground, to cut a long story short i bought a car from AC and within 7 days it broke down with an inherent fault, the code of which we have documented 5 times by the AA over the last year, the car did go in for repair during the warranty period (was in garage for 53 days at one point) but the obvious fault was never dealt with and we feel the car was managed to get it through the warranty period, is it worth getting a solicitor involved or is there any other people who can help us get our money back, unfortunately our house insurance has legal aid but it wont cover motoring claims. We are waiting to hear back from my credit card as i payed a deposit with that, what is the chances we will see anything back!? Cheers for any info

-Do you think that the Advertising Standards Agency would be interested in clarks latest advert?? The advert states they have 94% customer satisfaction???? so why as many complaints? They also state 97% of customers would recommend them??? so why am I getting WEEKLY queries from disgruntled former customers, in response to my rear window sticker?? ARNOLD SHARK NEVER AGAIN

Hello, was hoping for some feedback from those in the know - i feel like i was mis sold recovery service... My car broke down at the weekend so i called my trusty arnold clark assist phone number looking for help. I was quickly informed that the policy had expired in November last year. This came as a shock as we were under the impression the cover lasted as long as our finace deal? I was told no, it was only for 2 years but i could still get assitance - for a fee of 80 plus vat an Arnold clark assist engineer would come to my rescue to fix my car, or if it could not be repaired roadside, it would be towed to the nearerst dealership who would fix it there. I agreed, the guy turned up, started the car, decided a bearing was dodgy and that it would have to go to the dealer for repair. Fine by me. I let him take my car and off he went. This morning i called the garage and after initally not having a clue what i was talking about, they finally found my car, sent it to a different garage and i sat by my phone waiting to find out how much the repair was going to cost. Turns out, that for in order to decide whats wrong with my car, the Service team want to charge me another fee of 89 plus vat, meaning im already 200quid down and my car is still not working! While i agree i probably should have seen this coming, im furious that it was made out by the recovery team that the original fee of 80 plus vat was to diagnose and recover my car if required. Does anyone have any any advice? I desperately need my car back but have refuse to allow the service team to look at it without knowing one or the other fee's be waived.... Thanks for helping

Hello I wonder if someone can help me. Last weekend my husband received a letter from this company quoting his previous address from some 6 years ago and asking to confirm he was now residing at the address that the letter had arrived at. I just ignored it. Since then he has received a further letter saying that a personal loan company have sold them an outstanding debt of £189.00 and to ring up and settle it over the phone or it may be that they will send their debt collection agency to the door to collect. Firstly there has been no confirmation that he is living in this property and secondly this debt doesn't exist. I've never had to deal with anything like this before and I just don't know what to do. Can someone please help me?

I had a contract with 02 but due to illness and having to leave my job I had to sign on for ESA and DLA, at the moment I could only afford to pay 02 £20 a month but they told me it was being send to a DCA. I got a letter from them a week ago stating they are going to send an agent to my house as I failed to contact them from their earlier correspondence that I never actually received. I obviously want to pay this debt off but what are my rights if they do send someone? would it be classed as trespassing? I got a template from another website and sent it to them ; Dear xxxx Account Ref xxxx Please be advised that I will only communicate with you in writing. I have noted your repeated attempts to contact me by telephone over the past few weeks/months and these have been duly logged by time and date. Furthermore, should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you. There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance. Yours faithfully, I got this reply today; Final Response Dear Mr *****, I write with regard to your email of November 5, 2013, issued in relation to the aforementioned account. I can confirm we have undertaken substantive investigations into the issues raised in your above referenced email and have concluded that your complaint has not been upheld. The reasons for this are detailed below. BCW Group acts in good faith on the information and instructions issued to us by our clients. We are passed this information on the basis that the information provided is true and correct at the time of issue. We were, at no time, advised by our client of any ongoing disputes or unresolved complaint issues. In this instance, we were passed an account in your name with instructions to pursue for the full balance accordingly. By passing the matter to this office for debt recovery purposes our client was satisfied that the balance is due and collectable. We have noted your request that all contact in this matter is now made in writing. I can confirm that no contact telephone number is held on the account and we have placed no calls to you in this regard. The case you have referred to is not applicable to your circumstances. As part of the agreement that you entered into, you agreed to repay the full outstanding balance and that where necessary the creditor could recover the debt by outsourcing the debt to a third party, which included by way of doorstep collection. We are entitled by law and under contract to recover monies outstanding and we are allowed to take reasonable steps in accordance with regulatory guidance to recover such monies. The OFT’s Guidance on Debt Collection reference to making an appointment on field visits relates to, where say, the Agent has called round and advised by the customer that it was not a convenient time, then he should make another appointment. An appointment is not necessary for the initial visit. If however, the customer is not there at the agreed time, then the Agent can call again at an unscheduled time. Before your request for a repayment plan can be considered we will require your full income and expenditure details. Your previous communication has not supplied sufficient detail in order for us to set a repayment arrangement at the amount offered. Please complete and return the attached form so that we may consider any offer of repayment. A cessation of collections activity shall remain on your account for 14 days to allow you to respond. We are a member of the Credit Services Association who can be contacted in the event of you remaining dissatisfied with the conduct of BCW Group. The Credit Services Association will consider your concerns as an impartial external arbitrator. Please do not hesitate to contact us on 0845 111 0411 should you require any further assistance. Yours sincerely, Any advice on what I can do next would be greatly appreciated.

Hi ive recieved this today and its a little worrying so was hoping someone can advise on what i can do. ResolveCall. Dear sir/madam despite several attempts we have been unable to contact you to discuss the above Scottish power energy retail limited account. this being the case, we will now apply to the local magistrate for a warrant of entry under the rights of entry (gas and electric) act 1954 one of our agents from resolvecall will attend dudley L.J.A magistrates' clerk's office, the inhedge, dudley dy1 1ry on the 28/1/2011 at 0915 hrs. in order to obtain the warrant, you are entitled to attend. once obtained the warrant will enable us to lawfully access your premises in order to disconnect your supply, the warrant will be executed within the next 28 days, all related costs including locksmith charges are payable by yourself and will be persued along with the outstanding debt. these costs will be a minimum of £275. should you have any queries regarding the warrant application or any other issues please do not hesitate to contact 0844 257 8535 yours faithfully june hart

Hi I am just looking for some advice regarding AC. I can see alot of people have had many problems with them and I don't know if my problem is a new one? I just bought a nissan micra 1.2 from them (Linwood - Paisley Volkswagen Branch) and picked it up on Friday 22nd Nov 2013. It was from their used car range and something that currently fitted into my budget. On the Thursday when the sales person had called to say the car was ready, i had asked if the temperature dial that had a crack on it had been replaced as well as the chipped paint work on the rear end of the car. She confirmed the paint work had been touched up but the temperature dial knob hadn't been replaced as she wasn't sure about what temperature dial knob I had notified her about and now that she was aware she would get it fixed. On Friday it turned out that the temperature dial knob will arrive on Tuesday and my second key for the car should also arrive then too. I therefore, arranged for the car to be picked up on Weds 27th Nov, from my work and dropped off after the repairs have been carried out on it. I quickly left the garage with my car as it was coming to 5pm and I didn't want to get too caught up in Friday rush hour traffic. On Saturday as I went to pick up my family to head out to dinner, when the back seat passengers went to clip their seat belts in there was nothing for them to click them into. This morning (Sunday 24th Nov 2013) I phoned the garage and spoke with the sales rep' explaining the problem. She asked me to double check that the back seats didn't have their belt locks tucked under the seats etc. I went out and double checked and this time took pictures. I called her back and told her there defo was not any seat belts locks tucked anywhere in the back seats and to help her understand what I was trying to relay across to her I was going to email her pictures . She told me she had customers to deal with and after dealing with them she would check the pictures and get back to me. I have not had a call back. In my email to her I showed her what was missing in the car and also sent her a picture which i took from the internet to show what should be in the back of a car for seat belts to lock into. I also pasted some info' that i came across about how car dealers are not allowed to sell unroadworthy cars and are liable to a penalty. I asked in my email that they come take the car from me on Monday 25th Nov and give me an insured courtesy car for that period to drive until they sort the problems out as I have a family to drive around daily and at present my car is only legally suitable to carry one passenger. Can anyone advise me on how to get this matter resolved and should I be contacting trading standards or VOSA? If so, is there an address or phone number someone could kindly direct me towards so I can get this problem sorted. Many thanks. sarah

Hi, I wonder if anyone is able to help me make sense here on whether we have any case against Arnold Clark, in light of our recent unpleasant experiences with this dreadful company. On 17th July 2013 my Mum went to the Bishopbriggs branch, and spoke to a salesman (I better not name him), about buying a new Dacia Sandero.(She has bad taste lol) Having gone through all the details, and explained that there was a 3 month or more wait for the vehicle, she decided to go ahead and order one. The finance was all approved by Santander, she paid her deposit, signed the paperwork and all that was left was to await a phone call to say the car has arrived. On 13th November, she received a call from her salesman to say her car would be available for collection on 20th November, and that all was ok. My Mother then arranged with her current finance company to do an early termination agreement on her current car, and return it to them under the terms of that on 20th November. On 19th November she received another call from the salesman at Arnold Clark. They had just realised the agreement was made 3 months ago, and as such Santander required them to re-propose the business. We were surprised at this, since it was all signed and sealed, however they went ahead, and Santander, for reasons known only to them, declined the application. They then went ahead, without permission, and proposed her business to another 5 finance companies, without asking permission, discussing terms, or referring to my Mum in any way - the multiple searches led to multiple declines, and her credit score has reduced as a result of this where credit is now going to be more expensive for her because of the impact of these unauthorised searches of her credit file. This deplorable tactic just stinks of a desperate salesman, but the consequences don't affect him. Or Arnold Clark. Having spoken to Santander, it seems they have done nothing wrong. The terms of their commercial agreement with Arnold Clark stipulates that where a customer waits more than 3 months for a vehicle, the finance will need to be re submitted, but that customers expecting such a delay should be clearly informed at the point of sale. Nothing of any of this was mentioned. My Mum is the sole carer for her elderly mother in law, who has Alzheimers and mobility problems, and relies on the car. She works for an NHS out of hours service inaccessible to public transport, and her car is essential for that. What they are causing her to do is incur considerable expense to rent a car, in order to go about her daily life, while sorting out car finance separate to any dealership, and then finds another car to buy, from anywhere other than Arnold Clark. I spoke to the salesman. He accepts no liability.He was not interested in even speaking. I have spoken to his sales manager and e-mailed him a complaint. He has not answered, and will not take calls from me now, or return calls. On the one occasion I spoke to him, he said he was going to try and arrange a hire car at their expense, but now he will not even communicate. I have spoken to their customer services, who have asked me to e- mail them. I have e-mailed the OFT and spoken to the FCA but still cannot find out if there is any actual legal wrongdoing here that they can be pursued for, it's very difficult. It boils down to the fact that they withheld vital information about a financial product they sold, which has resulted in expense and inconvenience, or have they?

Hello I have received a Verification Letter from Buchanan Clark & Wells today- "We are trying to contact katypie with regards to a private matter We have confirmed your address through a credit link obtained via a credit reference agency as being the same person who lived at the original address above. Please contact us on 0844 BLAH quoting the above reference number and one of our operators will be available to take any relevant detals to resolve the matter. If you believe that you are not our customer, please contact us as soon as possible to enable us to amend our records and remove your address from our system file." Doesn't say what it is about. Would I be right in thinking this is phishing and I should just ignore it? Anything it could possibly be for would be statute barred by now. Thanks!

Dear kind people I require assistance in a matter related to Buchanan Clarke and wells. Earlier this year they contacted me via a verification mail pertaining to a property I had lived in Scotland. I was naive enough to contact them back and then what followed was two weeks of constant harassment - chasing me up on a Scottish Hydro electric bill which they claimed I had yet to pay. (The harassment was so bad that I had to go to the GP for anti-depression medication and I was unable to function at my job properly – as they kept calling in the middle of meeting with clients and almost every other morning at 9 am) The bill in question was dated to after I had moved out of the property – something that my landlord was ready to verify. B ut BCW just kept calling me and stating that the debt is in my name and that I have to pay up or face legal action. I called up SCH who were unhelpful at first - eventually through persistence and a 2 hour marathon phone call session with SCH customer care involving a conference call with my landlord they finally agreed to clear my name and call off BCW. Now yesterday I received another verification mail from them that goes like this : "We are trying to contact Miss XXX YYY with regards to a private matter We have confirmed your address through a credit link obtained via a credit reference agency as being the same person who lived at the original address above. ( this address is another address within the same city in Scotland) Please contact us on 0844 BLAH quoting the above reference number and one of our operators will be available to take any relevant details to resolve the matter. If you believe that you are not our customer, please contact us as soon as possible to enable us to amend our records and remove your address from our system file." Now I am a male, but they have printed my name with a miss in front of it. Also I have never lived at the address they have specified above . Also they have not specified what the matter is. Now from my previous experience I am reluctant to contact them, hence I goggled them and arrived at this website. Am I right in ignoring this mail and not contacting them back? I found the below thread to be helpful, as it outlines a situation similar to mine. _Apparently I am not allowed to post the thread here as my post count is below 10_ I shall try and post it in a comment below 1- Shall I follow the same advice as what brigadier provided in the thread. 2 - Secondly how do I report a data protection breach as stated by renegadeimp ( Am I right in pursuing that line of action) Your advice and input in this matter will be welcome. Also may I ask – am I covered under the same laws as UK citizens (I am just a resident here)

Hi, recently my 2012 Fiat Punto developed a gearbox fault which was taken in under warranty to be fixed, after a load of getting messed about (No courtesy car, correct part ordered but turned up as the wrong part in the package apparently and taking nearly a week to fix when i was told id have it the next day) upon collecting the car, theres a scratch on the bonnet that was not there when it was dropped off. They provided the job card with a report that indicated that there was a scratch when they went to start the work, however, as I do like to polish and wax it at least once a month I know for a fact that it was not there. After speaking to the "service manager" and basically being given 2 fingers up I'm looking to find out where I stand. Ive got contact details for AC and Fiat although these are only CS which I intend to follow up tomorrow. Any advice would be much appreciated. Thanks.

Hi I have just received a letter from Mortimer clark regarding a secured loan I had with Black Horse. It says they are working for Marlin and have submitted a order of possession with the court but they also give me 21 days to complete a budget form and make an offer of payment...confused, can they go through with the possession order as I read on another site that only the loan gets transferred and they cannot enforce anything? The other site also mentions a novate agreement can someone explain what this is?? thanks

Hi everyone, This is the first Credit Agreement that has been sent after a CCA'd them. Akitiv Kapital has this acct which I was paying £1 per month. They sent one page and the signature is mine. I saw that I had signed 'Protecting Your Acct'[ATTACH]30131[/ATTACH] Could someone check over it and the bottom part is that sufficant. If that is correct, do I SAR GE Capital to get all the charges etc taken off to reduce the debt. Current Bal is £1,263.10 On agreement for credit card limit was £500. Please advise.

I bought a car back in may this year for £9988.00 Vauxhall Insignia. Very happy with the vehicle until I started noticing faults appear the longer I had the vehicle. Contacted Arnold Clark who took the car back for repairs. I thought great customer service until there repairs weren't up to the standard they should have been. The car has been into there garage 7 times so far. A list of repairs are below: 1. Supplied and fitted O/S/F drop link 2. Supplied and fitted N/S/F Strut 3. Lubricated both front strut mounts 4. Lubricated and adjusted gear selector cables 5. Supplied and fitted sump plug 6. Supplied and fitted vac pod solenoid x2 7. Supplied and fitted airbag ECU 8. Supplied and fitted clutch pedal box 9. Supplied and fitted fanbelt 10. Supplied and fitted glovebox lamp 11. Supplied and fitted seat occupancy sensor 12. Supplied and fitted parcel shelf 13. Repaired washer jet hose 14. Supplied and fitted anti roll bar saddle bushes 15. Supplied and fitted battery 16. Supplied and fitted new gear box with new bolts, replaced gearbox oil and bleed clutch 17. Wheel alignment measurement The car has had 2 gearboxes in 4 months at a cost of £4600.00 per gearbox. Arnold Clark have now decided the car is ok and aren't interested in discussing it with me now. There customer service department is horrendous. The advisor has been nothing but rude and any correspondence I send I don't get the answers I am looking for. Anyone have any suggestions as to where to take this. I'm about to use the ombudsman but anyone suggest anything else other than them before I use them? Thanks

Hi all, Its been a while since I posted on CAG, however I have always kept an eye on the forums regarding DCA activity! I need some help, probably rather simple, however I hope someone can point my in the right direction? I have been paying an old CCJ (Lloydstsb creditcard debt) to SCM since 2007 and would like to find out how much I have left owing as I have never heard from them prior to the standing order being sent up in the same year. Does anyone know the contact address or telephone number for them? Also, on a separate note I have never checked statements for charges / interest, so would this still be possible or even worthwhile looking into now? Any help is always appreciated. Many thanks.

I was part of forming a company in company house in 04/2008. I was appointed as sectary and held 25 shares. After running the company for almost a year (we had HSBC business back account under the company name and I had access to the account) I had dispute with other partners. I resigned in 06/2009 as the sectary, filled letter of resignation to Company House and had the impression given from the bank that they will also keep their record in line with Company House. So I thought my access to the account will be cut off. But in fact that didn't happen. However after I left the company I didn't use my access to make any transaction to/from the account. And the managing directors assigned new sectary and one of the two managing directors was managing the business account. Now suddenly in 06/2013 received a call from HSBC, chasing me for the debt of £5k because my name was in the bank account. I told them I have noting to do with the company since 2009. Later I went to a local HSBC branch where we opened the business account, and I gave them a copy of my resignation letter to Company House and a postal address of mine to contact in writing. HSBC never wrote me anything. I also dug records in Company House and noticed, the company was struck and dissolved 08/2010. HSBC now passed the details to a debt collector named Buchanan Clark & Wells and they are chasing me over my work and mobile phone daily. Initially they sent me a letter saying want to discuss a 'private matter'. Searching on this forum and advice I ignored that letter and their calls. Now they sent me a letter with the amount of debt, their client HSBC and said, "Our clients have informed us that they are unaware of any legitimate reason for non-payment of their account and they would prefer an amicable settlement" Sorry for the lost post, but I believe its a business debt to a limited company; not personal debt, I disassociate myself from the company back in 2009 and didn't make any transaction to the a/c, and the company dissolved in 2010. Not sure how I am liable of such debt? Pls advise me on what should be my response to the debt collector? Should I continue to ignore them or explain what happened? Many thanks

Hi There I wonder if anyone would be so kind as to help me out with this query? I received a letter from BCW recently asking me to contact them about a personal matter. I ignored this but I answered a call from them today and they told me that I owe £400 to Orange. I do know that I have a 10/month contract that I have missed payments on but I have recently been diagnosed as disabled with depression, PTSD and a lot of other conditions which have made my last few months very difficult and my finances got all to pot. I think my support worker has helped me get back on top although I have forgotten about this phone. This phone was lost fairly soon after I took out the contract and I continued to pay it even after losing iy. But after I missed payments I have had no requests from orange by post, email, phone or text asking me where the money is and as a result of that and my illness I merely forgot until now. But this agency is asking for 400 which is absolutely ridiculous as the entire contract cannot be worth more than 200 in total. I want to just square up with Orange and then pay my contract on a month by month until the end but Orange won't deal with me, I have to go through BCW. The man on the phone was aggressive and accusing and I dont fancy phoning them back in a hurry, at least until I have a bit of a clue as to what I am talking about. I absolutely cannot afford£400 or the reduced rate of £190 to send me back to Orange. I am on disability benefit and barely survive as it is. Any advice over what I should do from here would be most appreciated. The phone call was quite upsetting and led to a stressful experience, even after I informed the man I suffered from anxiety.

This is a new one on me... Being chased by BCW on Barclays gold charge card debt - this is a card that was linked to my account and did not have to be paid off each month so also acted as a credit card. Barclays have passed the debt on to BCW who started by making me offers to pay it all at a reduced rate. I duly CCAd them and they have just sent me back my postal order stating that they are 'not the creditor so do not hold agreements or invoices at this office. You will need to contact our clients directly if you wish this information.' Uh?? This debt is not statue barred btw but will be in a year.

Hi everyone. First post here so be gentle A month ago I received a letter from Buchanan Clark and Wells stating that they are acting on behalf of their client, Hoist Portfolio Holding Limited (A company who I have had no dealings with, ever), for a £1000 debt I ran up nearly 9 years ago with a catalogue company. I ignored this letter and then recieved another one around a week ago stating " Notice of impending further action.". They say they are going to advise Hoist to take further action on the account. This could result in CCJ's, warrant of execution etc unless I call them immediately. I could pay the debt off and get it out of the way, but I don't owe them money, I owe it to the catalogue company I ran up the debt with in the first place, don't I? I don't know these people, they could be anyone. The fact that it's 9 years old means it could be SB'd right? If they start sending bailiffs around to my home, would I get any warning first? I'm not entirely sure what to do. Whether to ignore or send them a letter asking for proof I owe them the £1000. What do you guys think I should do? Thank you in advance

Hello friends, I have recently registered with ConsumerAction Group and my story is about Arnold Clark,CrowRoad, Glasgow. I bought a second hand VW Beetle Cab from the above. I was misled to believe that they were VW second hand dealers, however they are not. The damage was on the passenger side: front and back bumpers with dents etc. The front and rear passenger alloy wheels were seriously scuffed. When I queried all this I was told my Mr Mn that this is what I had to expect from a second hand car. I did not want to go through with the sale but after much deliberation between Mr M and Mr T (Mgr.) it was agreed that I could have a 'smart' repair carried out. There was lots of things that were not pointed out to me and I found later, i.e. the sill under the front passenger seat was buckled in. AC are now saying it could have been me. They failed to honour their 2 month warranty until one month later. I wrote letter to Mr T (he told VW he did not receive it!!!!). VW Head office Sheffield have been very supportive and have opened a file concerning AC and my situation. I complained to AC Customer Services - Mr A.M. phoned me and said there was nothing that could be done. I have written to Mr E.H., Group MD for AC. I will let you know what happens. To scanniaman I say that I know exactly what you are and have gone through with renegades AC. If I can support you in any way, I will do so. My next step is to contact Trading Standards. Will come back when I have more to report.

Hi all, I'm new to this site, in fact it's the first time I've ever been on a forum...scary stuff lol!! I've read a number of threads and feel my story maybe corresponds with others on your forum, hence I thought I would join and hopefully gain the knowledge and strength to get this resolved quickly, and without repercussions! On Monday this week, out of the blue, 2 letters came through my letterbox in different envelopes: 1. Robinson Way Ltd's letter said 'we hereby give notice by an agreement dated 10th Nov 12 your account has been sold & assigned to Hoist Portfolio Holding 2 Ltd by Robinson Way. All future payments, correspondence to be made to Buchanan Clark & Wells who will be managaing the account on behalf of Hoist.' The letter is a bit confusing, the so called debt says 'ex freemans' for £198-43. I am assuming this may be the catalogue people, Freemans, but I am not sure. I cannot recall ever having opened an account with Freemans (I ran 2 other catalogues 15+ years ago but always made sure I paid it off in full). 2. Buchanan Clark & Wells letter said 'formal demand' confirming they've been instructed by Hoist Portfolio Holding 2 Ltd to recover an overdue balance £198-43 on their behalf. It says their client is unaware of any legitimate reason for non payment and would prefer an amicable settlement. BCW are prepared to help in clearing the deby by offering me an exceptional opporturnity to settle on highly favourable terms, they are willing to accept £99-22 in full and final settlement, which can be spread over 3 convenient monthly instalments. To take advantage I have to contact their office within 5 days. I was initially really really worried, having trawled the internet for over an hour, going round in circles, I found your forum and read some of the threads which seemed similar, although different creditor names were mentioned, not Freemans. I haven't phoned either company as I do not think there is a debt, and I think that if you ring them they feel you are susceptible to [problem]s and could then get inundated by more [problem]s. Do I ignore these letters or should I contact them? If so, what do I need to say, etc. Any help anyone could give would be greatly appreciated. Thank you for taking the time to read my thread x