Hi, I was recently involved in a car accident where the women pulled out of her drive and i went into her. Anyway front the start Hastings haven't been to helpful, i have had to do alot of chasing just to get there engineer out! as apparently my details was not sent over to him properly , i also didn't receive a courtesy car even thought iam full comp! Anyway today i have found out its a total loss I have had a friend (mechanic) look at it who thinks it is repairable, and i want to keep the car. I have asked Hastings if i can buy the car back from them, they have said to me this is not a service they offer, and if i wanted my car i either not claim or try and make a deal with the scrap dealer. So my question is how can i go about buying my car back from Hastings, i feel like i have had a nightmare with Hastings and all i want to do is get this settled and get my car. Has anyone else had this issue and how can i resolve it? p.s the car is still in my possession Thanks S.H

Having found a new car at a dealership, agreed price, paid deposit and agreed a collection date, we find the car STILL on the dealers website (actual car) but £500 LESS than we agreed. How do we stand with holding the dealer to the lower price? We are days away from collection.

hi all I have a hire purchase with first response finance we brought in October 2014, had a few weeks and it developed a problem the trader took it back and (seemingly) fixed it, again a few weeks later again it developed the same fault so he agreed to fix it, in all it went back 4/5 times to be fixed all seemed fine until two weeks ago when the same thing happened this time I have said to first response I want it to either go to a garage with no connection to the trader (seeing as it has a recurring fault that he has supposed to of fixed) or my preferred action would be for me to hand the car back and given a full refund for the car. they asked for me to provide proof the car isn't fit for purpose with a diagnostics from an independent garage which I have done in three different ways but they say this isn't good enough every time I provider it they say its not good enough. the fault is with the turbo which isn't working and according to the garage I normally use hasn't worked since I brought the car, I don't know what to do next im paying over £50 per week for a car I cant use at the moment any advice please

This is going to sound odd... I had a court decree granted against me: 22/01/2010 for almost £3000. It was in relation to a motorcycle that I purchased on Hire Purchase in March 2007 on a 4 year payment arrangement. I believe the last payment I made to the finance company was around August 2008 (I was made paid off - Contractor). I would have paid just over £2000 on a £3000 bike which had interest on top meaning I was due to pay around £5000 odds... Obviously the court claim in 2010 was for the remaining balance of the credit arrangement including interest! So, would there be 8% interest per annum chargeable on this amount considering that the claim included interest to complete the agreement rather than the remaining actual outstanding balance? Now for the odd bit... I still have the bike! When I was paid off I thought I'd quickly get another job so I took advantage of the time off and stripped the bike bare and sent the frame and other parts off to be powder coated. My money dried up pretty quick and I didn't have enough to put the bike back together plus I'd sold the fairings on ebay to raise cash to get the frame back from the painters... I've slowly built it up over the years and am now almost finished. It has not been on the road or out of my garage since 2008. The thing is, I don't own it! I now have the money to pay the finance company. Well, I have £3000. What is my position? The decree is for just over £2800. Would I simply phone them up and agree to pay that then make the payment or are they going to be looking for the 8% per annum interest on top meaning it'd be over £4000 which would be nonsensical on a bike that might be worth £2000. Also, it's over 5 years now. Do I wait and see if they act before the 6 years is up and THEN attempt to pay assuming that they would be in a weaker position with the time limit expiring (does it?). I want to own the bike. I have £3000. I am severely confused as to what to do and seeking a little help. The bike, as it sits, is worth £3000 to me (the exhaust alone retailed at £1200 back in the day - Titanium race thingy) and I want to get out and about on it once again and have some enjoyment after the horrendous few years I have had. £3000 can easily buy me a cracking second hand bike that'll be mine straight up and I can worry about the other one after the six years are up, IF the 6 years matter (ie: would put me in a stronger position for bargaining). I'm not willing to pay £4000 as I don't have it and if keeping quiet and not making any contact with them (and hoping for the same in return) until January 2016 means I can crack a deal and pay the £3k for clear title then that is what I'd prefer to do. I CAN pay the £3000.

I was scrolling through one of the news websites the other day and got a pop up about a free trial of age reducing skin care products. All you had to pay was £2.95 p&p. As a bit of a joke for the wife I ordered some in her name. One set from Age Renew and one from Lumagenex. Have now realised that I have been sucked into a [problem] of sorts as the T&C's (should have read but did not) say that if I don't contact them within the 14 day trial period to cancel I will then become liable for further deliveries and costs (£79 & £84 pm). http://agerenewskincare.org.uk/terms-conditions/ http://lumagenex.co.uk/terms/ Both say that if I cancel I have to return the goods and will be liable for the postage. Probably my own fault that I have been well and truly mugged. I will be cancelling but is there any way I can get out of paying the return postage. Especially when both websites advertise as a free trial.

Hi, I recently purchased a 2nd hand diesel car with 50k miles on the clock on finance from CarCraft Chertsey on 27th April 2014, got it MOT'd by CarCraft on 18th November (as they were unable to do service at the same time), and then serviced after 6 months / 6k miles as per the warranty requirements by CarCraft Chertsey (25th November 2014 earliest appointment that CarCraft had when called in September), and now after 7 months the car has had "catastrophic" engine failure to the point it is unusable on the road, no power, plumes of white smoke pouring out the back.. I contacted the warranty department and they advised to book the car in for investigation, I did this at Halfords Auto Centre (as advised by customer services that this is one of the approved centres they use that deal directly with CarCraft) , they had the vehicle for 3 days before diagnosing it was beyond their technical abilities, to progress this issue, I had the car taken back to CarCraft Chertsey where I purchased it and they have set about trying to get it repaired in their service area under the warranty, however they keep telling me they are snowed under with work and can only work on it for an hour or two a day. The CarCraft Chertsey have been in contact with the warranty company and advised that the engine has a major fault that would require a full strip down to diagnose, the diagnostics is going to take 10-20 hours work at £78 per hour. The warranty company have set a maximum payment for the diagnostics and repairs of £1,000. The servicing department, a great guy called Paul who is trying to be as helpful as possible, has advised both myself and the warranty company that the quickest and more economical solution is to replace the engine and that is still going to cost in excess of £1,600 if there is a cheap engine available for replacement. The warranty that came with the fact they still need the engine stripped down to find which component failed! Where do I stand? I am now looking at taking the vehicle back for a refund because of the amount of time this is taking, I have looked at the Citizens advice page and I believe that under sales of goods act it is not of "satisfactory condition" as in at least the sub section referring to "Last for a reasonable length of time in a reasonable condition", I do understand there is no guideline for how long a car should last but when it is still under 60k miles for a diesel car, this is incredibly low. The car failed on the 23rd of December and I have been without a car to take my kids to and from school, gym, swimming etc. I can understand I may have rambled a little so if you need any clarification please ask. Pete

Hi Does anyone have any advice on this please? I bought a mobile phone from a business seller on Ebay, in November 2014. Brand new, under warranty. The phone has a fault but the buyer will not replace/repair/refund me. The fault is that the phone randomly shuts itself down and won’t switch on again until I take the battery out, and then put it back. The first time this happened was within a week of purchase. I didn’t realise it was a fault at first as I thought I’d perhaps knocked the power button or the battery had died or similar. Only when I realised it was repeatedly happening, did it become clear it was a fault. I researched and found it is a known fault and one suggestion was to factory reset the phone, I did this, and it didn’t fix it. I contacted the seller then, who advised me to get a new battery (which he would pay for). I did this but this didn’t fix the fault either. The seller didn’t pay me for the battery. I contacted the seller further asking for a replacement as the phone is under warranty, but he said try yet another battery and that he knew it was a fault because another customer had had the same. I said I just wanted a replacement but he said he had no more in stock. I asked for a refund. The seller said to return the phone and he would test it. I said I would just return it for a refund, as it was under warranty and faulty. The seller then became uncooperative and refused to engage with me any further. I rang ebay and opened a dispute but due to the time lapse since purchase, they are unable to help. They shouldn't really opened the dispute as they couldn't do anything and it was pointless. I went to PayPal re buyer protection but the won't help as I've been through an eBay dispute. I explained that was invalid and opened in error but they still can't help. I don't know what to do now. I paid over £300 for a phone that is becoming unusable.

I am in England and sold an item on ebay to a buyer in Scotland. Payment was by PayPal and delivery was made by a courier. The buyer is now unhappy (as they didn't read the description properly) that the laptop they bought is broken. The listing described the problems perfectly and said the laptop was "for parts or not working". Therefore I have no issues about defending this, should it go to court. However, the issue is which law applies: England and Wales or Scotland? I am not acting in the course of a business.

Hello all, I'm brand new here, been passed to the forum by a friend at work who mentioned it would be a good place to get some advice. I'll try to be brief... On Wednesday 11 Feb last week, I purchased a car from a dealer based in East Kent. The car was advertised on EBay, with all the company details. Two things have happened since. I paid a £600 deposit for the car via Debit Card prior to picking it up. I visited the premises, was treated well, everything appeared on the surface totally above board. On Thursday 12th I drove the car home from Whitstable in Kent to East Sussex. I then drove back to Whitstable and home again the following day (for my working commute). No problems until I got approximately 5 miles from home where the car broke down. No drive in any gear, inspection discoverers the drive-shaft has shattered. I contact the seller to discuss, the salesman says on the phone he has no powers to make any decisions and only the owner of the business will respond, and this response will only be done via letter. Alarm bells start ringing. I have been totally calm and pleasant on the phone, as the salesman was to me, no point aggravating the situation at this point. I write a letter and post it to the owner at the business address via Special Delivery on Feb 13th. I the discover that the car is also CAT C written off by insurance. This really worries me. I have a slight problem with this issue though. The original advert on EBay for the car on the front page doesn't make any mention of the CAT C anywhere (I have taken screenshots and printed the advert off). However, on the EBay advert, there is a link to click on called "About". If I click on this it makes in small text a generic statement of the following: "Terms & Conditions *Terms & Conditions. All payments including holding fees are non-refundable. We make every effort to ensure all prices and vehicle details are correct. However, as these are used cars, the specification can sometimes differ from that displayed. Please satisfy yourself that a vehicle has a specific feature that’s important to you before purchasing – our staff will be more than happy to assist you. Prices, offers and details of vehicles are subject to change without notification. The vehicles offered for sale have been previously accident damaged and have been the subject of an insurance claim/s and categorisation/s at some point in its lifetime. Either; Category C-repairable total loss vehicle where the repair costs, including VAT exceed the vehicle’s pre-accident value or Category D- repairable total loss vehicle where the repair costs, including VAT do not exceed the vehicle’s pre-accident value. All cars where appropriate have been inspected independently by VOSA and have a VIC test completed to their satisfaction. Vehicles are offered with a new 12 month MOT when arriving into stock, therefore may not have a full MOT on purchase/collection.*Please see our full terms and conditions at the office. " I feel I may have made a fatal mistake in missing this statement. However, I would really appreciate some advice on where I may stand as I feel the behavior of such an advert and the staff not making any attempt at all during face to face meeting to state what I am buying. The advert doesn't mention in the primary text anything about the car being specifically CAT C The only mention of CAT C/CAT D is in a generic message under the "About" section The staff made no effort to ever mention anything about the car being CAT C The car broke down on the way home - can I use this to return the vehicle for a refund? Many thanks to anyone able to offer any help / advice. Dale

Hello! First off, apologies if this is an often asked and obvious question. I received a letter from Lowell Portfolio today telling me that they've purchased a debt from Burton (was a store card I had). The thing that's confusing to me is that the debt was taken to court a good few years ago and a CCJ was issued. Since then there's been no attachment of earnings or any communication from the court or the DCA who filed the CCJ. I've been meaning to pay the CCJ off as it's really hurting my credit score and I've just got in to a position to actually pay it off bit by bit (it was issued just as I started uni, getting on my feet now). So the question is, does this sound legit? And if I pay it off with Lowell, can I expect the CCJ to be updated to Satisfied on my credit file? Thanks in advance!

So i've purchased a 2nd hand BMW320i from a dealer. All was good until recently the car starts jerking violently. Ive sent it to KWIT- FIT and they couldnt find where the problem is, hence they advise me to bring it to the BMW manufacture. After the diagnostic test, they quoted me a 1600pounds replacement fee!!!!! The car was 5xxx pounds. Ive purchased it in october, and drove less than 3000miles. I've also tried to call the dealer but they refuse to take up any responsibility. The BMW manufacture told me the ABS wheel sensor for both rears and the rear drive shaft was corroded. I would like to get some advise as to what i should do!!!i am just a student and this replacement fee is a HUGE burden for me P.S: isit normal for the Rear wheel sensor or the Reer shaft to get corrosion? As its the interior of the car, could there be any other possible reasons leading to the corrosion?

Hi. I'm looking into this for a friend (yes, that's actually true). The scenario is this: In August 2014 a car was bought on a Hire Purchase agreement from Black Horse. My friend was in a relationship at the time and this car and the costs was to be shared between two people. However they are no longer in a relationship. I believe the HP is in my friends name and not the other persons. She does not want to own the car as a single individual though. So my questions: - If the other person wants to keep the car for themselves is it possible to swap the entire agreement into their name? - If neither of them want to pay for the car is there an option to A- terminate? or B- sell the car privately? - If C- hand the car back and allow Black Horse to sell it then I assume they'll end up selling cheap and my friend still has a lot to pay back? - Are there any options I haven't mentioned above? In a sense, any solution where my friend can gain more than 50% of the outstanding value back is a winner. Thanks.

Hello Please advise! I have recieved a letter stating I travelled/attempted to travel with being in possession of a ticket from first great Western. There's a cost of £86 if I pay by 30/01 and I'm livid that I have been criminalised by this company. I am a commuter and regularly purchase tickets on this service which can be proved from bank statements. This is the first time I have been sent a letter of this nature. On the day of travel it happened to be the first time I forgot my wallet fortunately I had cash, however the machine at the station does not accept cash (only method of getting ticket). I had my bike with me on the train and had to stand with it due to how busy it was. I was unable to purchase a ticket from the guard either because his machine was not working or there wasn't enough time before the final stop. I cannot remember. I arrived at the station and requested to purchase a ticket as I have done so before and they decided to take my details. Trying to explain the situation and the guard being a stubborn [edited] he got the police involved At which point I caved in. Was sick that a company I have used for so long would treat me with such disrespect criminalise me and He asked me some questions which he wrote down as evidence - none of which were related to my payment method - I refused to sign as he misquoted at least one of my answers. 1. Do I have a case? 2. How do I fight my case? 3. Who do I contact? Please help!!

Hi, My son purchased a pay and go phone from Vodaphone on black friday (Nov 28th). He had to purchase credit and there was an offer of 2 months subscription to Now TV as part of the deal. The phone was going to be a Christmas gift for his son (my grandson). His wife was also buying things and got the Now TV deal on another purchase so they did not need both. Vodaphone sent a message to say they would activate the credit within a day or two. Obviously this was not much use if the phone was not going to be used until Dec 25th. He decided to cancel under the cooling-off period of distance selling regs and told Vodaphone via their chat option. They would not agree to this, even though it was only a couple of hours later. He phoned them and they still wouldn't budge, they insisted on sending the order out and then making him return it. In addition to this he had also been billed twice. He refused delivery and got the DPD driver to select "item refused as no longer required" on his electronic pad and it went back to the depot. He has confirmation that it was being returned to Vodaphone. Since then there has been no communication from them and no refund. The double payment was sorted out by the credit card company but they say they cannot do a chargeback unless my son can prove he has cancelled the order. We would feel happier if we could give them the cancellation in writing as they seem to be very reluctant to accept it, but cannot find an official e-mail address and the call centre would not give us one either - does anyone know who we need to send this to?

Hi, Am in need of advice. In October I purchased a used Seat Ibiza advertised as an approved car with 33k on the clock (not true). It should have had full service history, full vehicle history check, multi point check and various other benefits. On the day of purchase the car broke down on the way home (dealer is some 50 miles away). The car went back and the dealer said there was a control module fault likely caused by dirt on the engine from it having been stood on their forecourt, so they reset the computer and that that was that. There were ongoing issues with the paperwork, ie there is not a full service history, I have not been given a copy of vehicle history (as advertised) or a copy of multi point check. Also the car did not have 12mth MOT as advertised. The garage took the car and MOT'd it some 4 weeks later and interestingly it failed it's first test which may suggest it was not roadworthy at point of sale. Then approximately two weeks ago the car again broke down. Engine light came on and car failed on a busy dual carriageway, I am a new driver so this was very scary. Managed to limp off the road and car stopped completely. It restarted with no issues some minutes later. Back to garage again but only after I threatened rejection of car. They are saying there is absolutely nothing wrong with the car because the computer says so! I am now rejecting the car on the basis it was misold to me. The mileage on the order form does not correspond with the service history book, or the previous MOT and is somewhat higher than that listed on the order form (the dealer is pointing out they did not wrongly advertise and quoting order form as proof, however previous MOT from 4 months prior shows it was falsely advertised). There is not a full service history, there is 26 months between services and is over mileage for required service and at the point of ordering it had not had a service for 26mths. I bought the car hire purchase and the finance company are saying because it was misold it is nothing to do with them! I have pointed out to them that they own the car and were misold it and they are saying it is one word against another's. This is despite the fact I can evidence adverts at the time and the documents! Can anyone help with where I go from here? I am prepared to pursue in Court if necessary. Many thanks in advance and hope my post makes sense. I am so mad, this is my first proper car since passing my test and my excitement has turned to despair.

Hi all. I bought a TV from John Lewis online in the Black Friday sales. The TV is faulty and JL say they cannot exchange as the TV is now £150 more expensive. They can only refund my money. Is this right?

Hi all I visited my fiat car dealership on Saturday, agreed to a credit check for car finance on a new car. Car agreed to buy us already in the car showroom. Called me the next day to say finance check went through fine. I did sign the piece of paper with details for car finance which I think was just to agree to a credit check. Made verbal agreement to pick up car after Xmas, no deposit paid. Issue is now that on Monday I received a letter to say tax credits will be reduced bed now no way I could afford the finance as they have been reduced considerably. Could anyone help me out on where I stand with my rights here? I've read there is no cooling off period when an agreement is made at a dealership, I feel sick thinking about it. I have called them and notified already but the manager and person I agreed with are out of office until tomorrow and no one else can cancel it. Guy on the phone said something about already taking it off sale and refusing another customer? When I asked what he meant he didn't answer my question. Said to call back tomorrow. Any advice appreciated!

Hi. Just need some information regarding hire or rental purchase, is there a difference ?? Reason I ask is, 10 month ago I got a computer on hire purchase from Perfect Homes, I went here because the cost compared to brighthouse was almost half and a better spec and also was only £20 more expensive than the well known computer shops. Don't get me wrong, I was and I am happy with my purchase but unfortunately I have hit some serious financial difficulty and costs have got to be cut in my household, I am cancelling my ties with virgin media so internet will have to go, my mobile phone has gone and also the car, I rang the store to explain that there is no way that I can now afford the payments and is there a possibility you can collect and take it back, they said no because I didn't take any insurance out with then. When I made the purchase we had our own home insurance so declined there's as this would have cost a extra £4 a week (maybe a little more) but apparently this also covers you incase you want to return the item with no adverse affect, don't get me wrong even if I knew this I wouldn't have took it out anyway and I am not sure if it was mentioned in the purchase procedure. Any way, back to my point. I want them to come and get it back as its a hire agreement, do I have any rights or am I stuck with trying to find the money every month for something I no longer want to hire.

Hi All, I am looking to claim back PPI from Welcome and was wondering how i start, i got my file from Welcome a few months ago but have been busy with a ccj they have against me which i knew nothing about. I know the fscs are dealing with welcome ppi now which is fine but i was wondering how i go about this, are there any letter templates i can use? someone has said to me about calculating interest etc but there is so much information online i seemed to have got myself in a muddle thanks in advance

Hi all. We moved into our new house last Friday and we had zero furniture as we were buying new. I saw a great suite deal on www.galaxystores.co.uk (£747 for a matching 3 seater sofa, 2 seater sofa and foot rest) ordered it Monday evening. It was meant to be 1-2 day free delivery but heard nothing tried to log into my account on their site to try and track my order but couldnt, clicked for a password reminder - it never came emailed Galaxy who said it would arrive Friday before 5pm. Friday 5pm came and went and tried to contact Galaxy Stores only to find they have NO telephone number had to email them, they seemed to want to stall me for time by asking me if Id received a text from the courier - I hadnt, I asked twice for some kind of tracking number which they wouldnt/couldnt give me and was just told they would sort it out and arrange another delivery day. I looked up on Galaxy Stores (yes, I should have done this first but their site looked really good) and have only seen bad reviews for them, how they dont send orders and then dont refund. I am in desperate need for a sofa and cant really wait as we are all sat on the floor and have been for a week. My question is, under these circumstances, can I get a chargeback now rather than waiting a certain amount of time so I can buy a sofa from somewhere else and tell the people at Galaxy Stores to kindly cancel the order that may never come anyway? Ive checked my bank account and the money was taken out on the 24th. Im with Barclays and used a VISA Debit card on Galaxy Stores site using Sagepay. ETA: Correction, the money has been taken out of my account.

Hi, I recently purchased a used car from a dealership near to me, since I purchased the car it has had problems that the dealer was aware of however they promised to fix them. I took the car knowing these would be fixed, the car is on finance through a car specific finance company. The car since then has been in the garage numerous times for attempted repair work, putting me out - no loan car, etc having to pay for taxis - getting lifts and such. The repair work is very important and it has been in for at least 75% of the time I've had the vehicle. The dealership have basically come to a brick wall and putting it down to an 'ECU fault' however want to keep trying to rectify the problem. If a loan car was offered I may be more open to this, however it has just become frustrating and I feel that I can no longer keep the vehicle. What are my rights in this situation? I spoke to someone who owns a garage and he stated that you're paying for the privilege of driving the car and that I shouldn't really be paying the finance if I'm hardly even driving the vehicle? I would like to hand the car back to them however I'm worried about my credit score and such, could anyone please advise the best course of doing so? I also gave a car in P/X for the vehicle - would the value of this be given back to me? Sorry for so many questions but as you can probably imagine I am incredibly frustrated about the situation. Hopefully someone can help?? Pleaseeee!

Hi Everyone, Just trying to get some advice really. I bought a second hand car on the 22/03/2014 for £995. I was also asked to sign a 'Sold as Seen' piece of paper which I did. One question I forgot to ask while I was there was 'when was it last serviced?'. I decided to the decent thing and book the car in for a service as the MOT is due in May so I wanted to know if there was anything that needed doing to the car as the previous MOT had no advisories on it so if anything were to go wrong then it would have to be something that has gone wrong in the last 12 months. Am I right?? Well I took it in for a service today (27/03/2014) only to be told that the car is unroadworthy and is only good for one place......THE SCRAPYARD! My question is this: Am I within my rights to contact the dealer I got it from to ask for a refund of my money or do they have me over the barrel with this 'Sold as Seen' crap! as the car can be sold as seen but even the advert that I saw on the AutoTrader website has a few things in it that are questionable. In the advert the dealer states that 'MOT WARRANTY AND FREE SERVICE INCLUDED' I can say that the car was sold with no Warranty, no mention of a free service or an MOT. The MOT certificate that was produced was one that was obtained when the car was last MOT'd in May 2013. I checked this on the .gov website to check if the two matched up and that there was actually no advisories. In the advert the dealer also states that the interior is unmarked (yet one of the photos' clearly shows a stain on the passenger side door upholstory) and also there was cigarette butts and ash still in the ash tray. LOW MILEAGE 4X4 PART EXCHANGE TO CLEAR FANTASTIC CONDITION - here is a list of what the garage found: 3 tyres need changing, 2 x Rear cylinders Leaking, Pads/Discs (Discs badly corroded), Fuel Tank Leaking, Gear box leaking, Transfer box leaking, Play in steering box, play in both front bearings, rear spring broken, all break pipes corroded (except one over back axle), Front D-Bushes badly worn, No O/S/F/R Indicator, exhaust leaking from manifold, exhaust dropped off and alternator not charging. Not all that fantastic condition in my eyes. What do you think??? If i had known all this I would not have touched the car with a 10ft barge pole. The 'Sold as seen' clause is good for bodywork, paintwork etc but unless you have it up on ramps etc to look underneath you have to take their word that it is mechanically sound which in this case it is far from it. You thoughts are welcome. Regards, Brett Rogers

Hello all. This is complicated but advice would be helpful and most appreciated. Last June I purchased a car on finance from a garage. 3 weeks in I noticed it was having real problems braking. I rung the garage where I purchased the vehicle from and they told me to bring it in and they would fix the brakes which they said sounded worn down. They conceeded they should have checked these at time of purchase. On my way to the garage I was involved in an accident. I was unable to stop due to the brakes, skidded on the watery surface hit a central reservation and a car ploughed into my drivers side. The car was drivable but considered a write off. When I called my insurance it seemed I only had third party and not fully comp (I was sure I had had fully comp but no). My insurance lost out in the claim against the person that hit me. The garage then refused to fix the brakes. A portable mechanic came out and inspected the vehicle stating the brakes were worn down and tyres cracked. As my HP was with the finance company and not the garage I was told to make a complaint through FOS against finance company. I did this but they could not rule against the finance company because the report on the vehicle I obtained needed to be done through aa. I stated to finance company I would not be paying for another report they should. It has now been 1 year! No report came from the finance company, the garage I purchased the car from has gone bust. The car has been sitting at my office not in use and in poor condition. I have now received a letter from the finance company requesting full payment of £5600 in 14 days or they will begin legal proceedings against me. I have now found out through the DVLA i am not even the registered keeper of the vehicle and never was! What are my options or legal rights here? All the best K

hi, i bought my 2009 mini from car giant 9 months ago using a hp loan from moneybarn. last week because of a faulty thermostat the engine blew and now the car is a right off. ironic really as i chose to get a newish car from a large dealership becasue i was fed up of breaking down! I cannot afford to pay 6k for a new engine and i stil have 10k left in finance. What are my options? what do finance companies do in these cases, id like to find out my options before contacting the finance company. many thanks

If you spend £3,000 on a credit card which is 0% for say 18 months and you have to make repayments of 1% per month which is £30, are you free to spend the £30 again interest free? I.E. does the £3,000 stay interest free for the whole 18 months even if you repay some of it then spend it again or does the amount interest free decrease as you make repayments...if you were making minimum repayments of £30 per month would it slowly come down 2,970, 2,940, 2910 ect.