Having bidded on a cycle on eBay I was really pleased that i'd won it. I messaged the seller to inform him that I would pay for the bike in a couple of days as I told him I was away. He, in the meantime, asked me if I could pay which I duly did two days after. The bike was over 300 miles away so I asked him if I could arrange collection in the next couple of weeks once I had arranged a way of collecting it. The bike cost £300. The original purchase was on 11/3/13 Payment date: 14/3/13 Through PayPal On the 18/3/13 I was e/mailed by the seller asking me if I'd got his message as he'd sold the bike! At first I thought it was a mistake, but then realised that he informed me that he was going to give me a refund for the bike. I informed him that it was not his bike to sell and that it was mine since I had paid for it. I informed him that we'd entered into a legally binding contract and I would take it up with eBay to get their position on it. Ebay told me has was in breach of contract and that they would also inform him. I then informed my seller of the situation and told him I would get the authorities involved since he had broken the law. He thinks he hasn't done anything wrong and was quite blaise about the situation! Where do I stand and what's next is my question?? Gav

I wasn't sure where to post this. I wonder if anybody can please advise me. Last year my husband took out a purchase lease hire financial agreement from Volkswagon commercial vehicles for a van for work. The van was from Lo cost vans. Its the type of agreement that you pay monthly to lease and then at the end there is a balloon payment that you owe them. Anyway, the van kept breaking down and he had to miss work for numerous days at a time. After a lot of arguing with Lo cost vans, they agreed to change the van. The original van was also a bit small for my husbands work needs, so he asked them for a bigger one that wasn't much more to pay each month. They agreed and it was all set up. (My husband admits he was a bit stupid and naive but its done now) The van arrived and the payments were quite a lot higher and we have been struggling. He phoned lo cost vans and they said the best thing to do was to get a settlement fee and sell the van to pay the finance. So he got the settlement and it is £22,000!!!! The van is only worth between £13,000 and £15,000 Again he spoke to Lo cost Vans and they said they had added a shortfall from the first van and he should deal with Volkswagon commercial in future. He's spoke to Volkswagon Commercial vehicles and asked if they will reduce the payments and take it over 6 years instead of 4. They have said no, he must pay the amount asked over 4 years and if he doesn't they will repossess. If they repossess, he can't work and won't get credit again but if he pays it, he's just working to pay the finance, diesel and insurance. Is there anybody with any suggestions please.

Hi, I viewed a used Citroen on Tuesday, and paid a £500 deposit by credit card. The deal was that if I paid in full by the end of the month (Thurs) they would prep the car ready for me by the following week, Tuesday (5 March) was suggested and I agreed. I emailed the (main) dealer on Wednesday with some concerns about the car, and told them that to get everything right I would be happy to wait and extra day and collect on Wed 6th. (a few minor bits of trim were missing/broken & I wanted them fixed) Had no reply to that, but Thurs I was duly phoned, told their email was not working but not to worry, they would do everything (but sounded a bit evasive) & Tues/Wed to collect would be fine, they would confirm which day tomorrow (Friday). I paid remaining balance of £8k part with credit card, part debit card. I called late Friday afternoon, couldn't tell me a day as they were too busy (1st March being a big changover day) but they would phone Saturday (today). Had no call, phoned them, too busy to talk again but would phone me back, but never did. I'm beginning to think that they aren't going to deliver the car (either in the condition or time) as promised, and am going off doing business with a dealer who takes my money then can be bothered to phone me when promised. What are my rights here, if they don't get the car ready in time, would I stand any chance of getting my money back? Or would late delivery by one or two days not be regarded as a serious enough breach of contract for that? The contract I signed BTW, gives and estimated delivery date of 28/2/13, presumably as that was when they wanted my money by. Thanks for any advice!

Hi All, I was a sole trader for some years until I had to close the business, In the first year of trading I took out hire purchase on an item, I kept up with re-payments for some time and then fell behind, what makes things worse is that I left the item at a hotel I was working at, the item was never seen again, I never told the HP company this. I buried my head and tried to pay the monthly installments and then had then reduced and now I can not a pay them at all. The HP Company are now going to apply to the courts to recover the goods, which I do not have, can anyone tell me what will happen as this is seriously affecting my health with worry. Thanks in advance.

Hello, For now I'd rather not mention the name of this site, I just want to ask what is your opinion on this story? I bought the following products from this site, here's the product description: "A Bowens Illumtran Flash Slide Copier, with Nixon film camera, this item is used and untested" Product image has a resolution of 199x132, so you can only barely get an idea about the condition of this product. You can view picture here: www dot gthdirect dot com/flashcopier/DSC_0020.JPG Here is their disclaimer: "These goods being auctioned are second hand, unless stated otherwise. The ******** that listed the item and ******** Auctions claim no responsibility for the authenticity, commercial value or quality of any of the items sold through ******* Auctions. The working condition (unless stated otherwise) of these items are not determined and it is advised that all electrical items should be tested by a competent person prior to use." When I received the product, it turned out that it does have a plug. So I began to think how you can say that something is not tested, since it cannot actually be able to be tested for the simple reason that there is no plug! So, I filed a complaint and here's their response: "I can see nothing wrong with this auction. The item is both described as untested both in the description and disclaimer. It cannot be clearer and for clarity that means the item HAS NOT been tested. The fact that the plug is missing is not relevent. The complaint is rejected and return and refund will not be offered." I replied as follows: "It is quite interesting logic. NOT TESTED is the opposite of TESTED, but to be tested, concerned electronic equipment must be ABLE to be tested, but this machine cannot be tested because of the simple reason that there is no plug. So to claim that something is not tested since it is NOT POSSIBLE to be tested is quite simply a cheating. Not to mention the other aspect of this case, that when the plug of some electronic equipment missing, in most cases this means that it has already been tested and does not work. So the fact that the plug is missing is VERY RELEVANT!" Her is the response: "The item is NOT TESTED by the ******* or by the ****** and as such you must deduce from that it will either work or there will be a chance it may not work! That is for you to decide and adjust your bid value accordingly. It is stated clearly twice on the auction that the item is untested or not tested. The plug may have been missing for any number of reasons and in anyway is again not relevent. You have not been decieved or mislead." I also do not see where exactly in disclaimer says that item is NOT TESTED or untested, it says:"...The working condition (unless stated otherwise) of these items are not determined..." Here's what I think, maybe I am wrong, but that's reason I am here for help. I have no pretensions as to whether or not the machine is working, I have pretensions that an important fact about the state of the machine is not mentioned and I'm sure that this is intentional. For me, they deliberately failed to mention a very important fact, by claiming that it is irrelevant. It is like to selling a car without to have a keys for this car. Just write NOT TESTED, you buy what you see. But "accidentally" forget to mention that the car has no keys, because it is irrelevant! What do you think, is the fact that the plug is missing and this is not mentioned in the product description is relevant or not? So any advice would be helpful to me. Thank you in advance.

Hi, could you advise me, yesterday morning my car was clamped by Task Enforcement Bailiff between 5am and 8am. When I left my home in the morning and saw the clamp I called the number on the warning notice and advised the bailiff I would return in the afternoon from university with the money to pay pcn ( congestion charge). The bailiff however advised he wanted full amount of 856.42 ( debt was 200.44!) to which I repeated I would have 200 by the end of the day. I also advised the car is on hire purchase. When I returned home last night, the car was no longer there, to which I called the bailiff to inquire why when i had agreed to pay, to which he claims I had stated I would not. Now I have contacted my finance company, who have sent over a copy of my hire purchase agreement to Task Enforcement, and also contacted the bailiff to advise he unlawfully removed my vehicle, but am being told all checks were done and if I want my car back I must pay £856.42. Please advise if they can do this and how I can get my car back, as I have no intention of paying that ridiculous amount. Thank you, Miss D.

Good Evening all. Yesterday I purchased a sencond hand car from a Dealership. A second hand Fiesta Zetec (2000) for a run around. On the test drive all went well & the car looked in good condition. After purchasing the car, the salesman & myself drove to the Post Office to tax it, on the way it started stalling and running abit rough. He said it had been laying idle for a few days and just needed a run out. Having little mechanical experience I accepted his suggestion. After a 20 mile journey home, I tried starting the car again, it didnt want to know, finally I got it started and the revs were going through the roof. Ive spent today looking for mechanical answers, and have now had enough. I am looking at dumping the car back at the dealership. Can anyone tell me if or what my rights are about with. Totally stumped.com Many Thanks Rob

Hi, my Dad purchased a static caravan in October 2012. He purchased it for £37,000 with £16,000 of their own funds and the balance on a Hire Purchase agreement with Black Horse. Black Horse being the finance company that the caravan site dealt with. In January he was diagnosed with terminal cancer. He is now looking to sell the caravan as they will need the funds for more important purposes. The Black Horse agreement states that one third of the loan needs to be paid before the caravan can be sold. However, the sales chap at the caravan site who sold them the caravan originally has stated that they can sell it now. I'm not really sure on the legality of this and would appreciate any advice on what we can do to sell/redeem the caravan. Any advice will be gratefully appreciated. Thanks.

Hi. Im new here! I was just looking to see peoples views/knowledge regarding hire pur hase contracts. Ill start at the beggining of my story! I bought a car on hire purchase but the agreement was in a friends name but i was always the registered keeper from when the car left the showroom. My friend made no payments and the direct debits came from my account. I fell behind in payments as i lost my job. . which resulted in them clamping my car on private property and parking over my drive. They said theyd called the police and i had to hand over the keys. Reluctantly i had no choice and i just wanted them to go away to save the neighbours seeing. I contactes the car company and said they recovered the car from private property and they said if i paid the arrears thsy aould bring it back but i coukdnt afcord too. So far i have asked for a subject access request and paid a fee but they only sent copies of letters and ive asked for system notes telephone notes etc which they said they dont have to give me. Also i think i have paid 1/3 of the agreement if it includes the original deposit i paid? And there was defenately no court order. My questions are is the contract invalid as my friend never received the vehicle or paid anything for the contract to begin? And how can i get the rest of my sars data. And is it defenatrly a breach of contract to recover from private property? Where can i go from here ? (Long story i know but thanks for anyones time)

I need advice purchased flights on lin to Australia have a confirmation receipt and have booked all accomodation and flights in australia now being told there was a mistake and I have to pay £540 extra to get the etickets what are my rights

Hi guys, my very first post here so feel free to wade in with any comments or suggestions.. I purchased a persommin new build in june and paid for the turf to be laid in the back garden. I was told it was very recent so stay off it for a month. Two months later the grass looked good but the ground underneath was so wet and spongy that simply walking on it leaves deep dents. I asked the landscapers to look and they said "yep, you need a land drain, it's boggy". So I took this up with the persimmon site manager who got really irrate and said the landscapers had no right talking to me etc etc. He blamed the 'rain' and said to just wait. A few weeks later and no improvement I wrote to the regional head office and within a week the site manager was back to look. Still quite curt and short he said I'd bought a standard residential build and couldn't expect the world - I actually bought a 3 bed detached and it cost me everything I've ever saved. I have a 1 year old baby and not once have I been able to allow her on the garden which was one of the reasons for choosing this plot! eventually the landscapers were back to put in a french drain. They rotavated the existing turf into the soil, dug a trench (french drain?) and then relaid turf afterwards. It's been 6 weeks since and the turf looks great. BUT, the ground is still spongy underfoot. Not as bad as before but still to the point of leaving dents. I really have no idea what to do or who to approach next. It's so stressful and incredibly difficult trying to deal with them now I've actually handed over my money! Any advice or comments would be great.

Hi, Can anyone help with this ? Purchased a watch of an online auction (bidspotter) it had very little information on the description. Anyway, cut the story short I won the bid it arrived and it is not working eg faulty. I have obviously complained, and was duly told read our t&c's NO REFUND. Surely my statutory rights apply, as they did not state it was in a faulty condition ? The Sale of Goods Act 1979 makes it an implied term of the contract that goods be as described of satisfactory quality and fit for purpose.

Hi Any advice welcomed please. I took out a finance agreement to purchase car some 42 months ago there is still18 months to run. The car is not well and ideally I would like to be rid of it. The interest rate is also phenomenally high. I was desperate for a car at time I purchased and was grateful of any finance at the time. I was advised by a friend that if I had paid over 50% of agreement off I could cancel under the CCA 1974 s99. I have read the agreement and it states the car is the security and that the agreement is not cancellable under the CCA 1974. I have looked at a few posts and most seem to indicate car finance is cancellable. Now not sure at all. I would be grateful of any advice please.

I purchased some goods over the internet in September, the retailer said that returns would be accepted within 30 days and collected at their expense. Three weeks later, I sent an email saying I wanted to return some of my order to be told that this was ok and they would let me know in the next few weeks when someone would be able to collect it. I enquired two weeks later to find out what was happening just to be told the same thing, so I waited another two weeks before phoning them up. Anyway after a lot of hassle they are now telling me that the order had been supplied by a 3rd party who is not willing to accept the return as it has been so long! Am I still within my rights to pursue this? I know about cancelling within 7 days, etc but by placing an order in which their T&Cs state that returns are accepted within 30 days, I believe I have formed a contract with them and they are breaching this. Can I take it further or am I wasting my time? Thanks for reading

Hi all, I bought a TomTom Via 130 at the Gadget Show exhibition on Saturday as they had a good offer. Lifetime maps and got £40 for trading in my old TomTom ONE. Unfortunately, on Sunday, I discover that the battery is faulty as the unit won't charge at all. They are now asking that I return the item (via post to Scotland, I live in London) and they will then send me a new one under warranty. Firstly, I will send it Special Next Day so it will be insured, but who pays for that? Secondly, we leave for a road trip through Europe on Monday, so what happens if I don't have a new one by then? Can I charge them for the rental of a Sat Nav through the car rental company? Thanks

Hello all I bought a Mondeo TDCi 2006 plate on 11 October this year with 77k, was also sold to me with 12 mths MOT and a full service history last done 2Oct. Spent £4300 on vehicle (£300 of this was cash/px deposit) It is on a Hire Purchase agreement over 3 years. Had car 2 days when noticed the fuel range after filling car was really low - at this point I called the seller who advised to "read an online forum" - great help. Called the Finance company a few days later to lodge this initial complaint with them, as the car was very noisy, and I was unhappy with it. They advised I must give the dealer a chance to resolve. Called Dealer back, spoke to same guy as before, also advising him I was now experiencing black smoke from the exhaust, under acceleration, in every gear. This helpful chap then just told me to put some redex in. Emailed him my dis-satisfaction with the reply, got response from his manager at this stage, who advised me to go to his mechanic, who advised it was an EGR Valve, inlet and manifold that gets covered in soot (crap) and is almost an engine rebuild. Was basically of the opinion these cars are utter crap and I should get rid of it. At this stage I have turned this into a formal complaint - because of the following issues Black smoke, in every gear, under acceleration. Present since the 13/14th, and its not going away Noisy, Like a 30 year old tractor, and even noisier under acceleration. I have had older, much higher mileage diesels quieter than this. Despite numerous requests, the service history the car was sold with has not appeared - so it therefore doesn't exist. The car was, to my horror after I had bought it and was trying to find some fuel range figures for the car the night after, for sale from another garage for 2895. My exact car - because I took screenshots of it. Clearly there was an issue with the vehicle to be on sale so cheap. The dealer also misled me in saying he bought the car from a trade auction. I spoke to trading standards on Friday - who advised I can reject the letter and I basically did so using their template letter, stating the points above as the reasons. It appears the finance company are "rejecting" my rejection - as the reasons are not sufficient enough. I must apparently prove that its not of a satisfactory quality. My argument with the finance company is that in them stating this - they are basically saying that a 6 year old, average mileage, well serviced (or not as may be) diesel is normally of such a poor quality. Black smoke from an exhaust is normal. A tractor engine sound is normal. Possibly my biggest refusal is the lack of a service history - it is not as was advertised to me. I said I refuse to pay for such a vehicle. What I want to know now is - do I just stick to my guns, and issue court proceedings to recoup all monies spent so far since purchasing vehicle (£300 deposit, £93 road tax, £31.50 admin charges moving insurance around, £22.73 to keep mondeo insured until 5 November) I have purchased a second hand Audi for cash on Saturday and advised them I am no longer driving the vehicle - that they must refund me and collect it asap or I will stop insuring the car and take no responsibility for it. Given the mechanics assessment, and the utter lack of trust in the dealer providing anything close to a suitable quality replacement - the only real choice I have is to reject it. Does anyone have some further advice, letters I can send, should I initiate court proceedings to return me to the position I was in before the transaction? Thanks in advance

Hi all, I have a bit of a dilemma and I am hopeful that one of you may be able to give me some advice. To give you a very brief background, I have (and had) a lot of personal debt that pretty much all ages back to 2006 when a significant personal event changed my circumstances dramatically and led to a previously perfect credit slate being annihilated to the tune of around £40k, plus a house repossession and this situation with car finance. Since then, I have worked on and off and never got a grip of my finances to the extent that much of the debt has simply dropped off my credit file having passed 6 years, with me burying my head in the sand on the basis that nothing I could do would change anything in reality. There has been no contact with anyone put bluntly, hence many things have now gone from my credit file and become statute barred. One significant remaining debt however, is that of a car Hire Purchase agreement I took out with Blackhorse finance. The last payment was made in early 2006, however unlike all of my other debts, for some reason Blackhorse (according to my credit file) don't appear to have defaulted me for a period of 2 1/2 years subsequent to this last payment, with my file instead showing a long list of monthly "Q" query entries. After my problems the vehicle was never used for a long period, with it being left at the home of a close family member as I left my life behind lock, stock and barrel and moved away. I spoke with Blackhorse on the telephone around this time (2006) and agreed to hand the vehicle back, however they never made good on this arrangement, with no further contact with me or the family member, who's details I had naturally passed on in order to arrange the hand over. After a period of years my family contacted Blackhorse directly, explaining that they just wanted 'rid' of this vehicle from their premises, and asked why this hadn't happened, and that they would like to arrange for it to happen ASAP...or if this wasn't possible, would Blackhorse give them permission to sell the vehicle. The Blackhorse representative was unwilling to speak in specific terms as the person calling as not the account holder, however implied strongly that the value of the vehicle would now be such that a repossession wouldn't be of benefit to them, and that if the vehicle was sold to someone else they "wouldn't come looking for it". The vehicle has subsequently been sold by a member of my family for a nominal amount, to a known person on a full and frank basis with the offer of a full refund (we are talking less that £1000 here) should any issue arise. Now...my issue is solely around the finance aspect. My questions are; 1. Is this debt subject to the usual 'statute barred' rules of any other debt, or is possession of the vehicle in someway replacement of "written confirmation or acknowledgement of the debt" etc, i.e, does the date of last payment and last direct contact stand, or does continued possession of the vehicle extend this 2. If the debt is subject to the same 'rules' as any other in terms of statute barring, then can anyone explain why they have allocated this "query" position for 2 years (minimum) after my last payment or acknowledgement, and is this something they are allowed to do...essentially extending the period that the debt hangs around my neck? Any advice or direction to other sources would be most appreciated.

i purchased some goods from an american site in may this year. they never arrived so i contacted the company who resent the goods. this happened nearly every month until september when i gave up and asked for a refund to my credit card company the american site said they had refunded the money to the credit card co.who have stated it has not been received it. I have spoken to the credit card company who states they cannot investigate as purchase was over 3 months ago. IS THIS CORRECT? Have i not repurchased the goods every time i was told they were being resent to me I am completely at a loss to see the benefits of using a credit card online to purchase goods if they cannot secure a refund Any advice of any kind would be most appreciated

Recently on 26th September 2012 we purchased a vehicle on HP and duly signed the finance agreement known as a Conditional Sale Agreement regulated by Consumer Credit Act 1974. Within less than 24 hours the vehicle developed a serious fault and was malfunctioning. The dealer collected the vehicle and then handed it over to a franchise dealer as they were unable to rectify the fault. The franchise company is in the same situation and cannot rectify the fault either. According to the HP document we have a “Right of Withdrawal” which states the following; You have a right to withdraw from the agreement without giving reason. T his right is available to you for 14 days from the day after the agreement is executed by us, until 14 days later. If you wish to withdraw your right from the agreement you must notify us orally by telephone, or in writing to xxxxby email to xxxxx or by fax. If you exercise the right to withdraw you are withdrawing from the credit only and not purchase of goods. You are then required to repay the total amount of credit and the accrued interest. Interest will accrue from the date the amount of credit was provided until the date the amount of credit is repaid. You must repay the amount owed without delay and no late than30 days after giving notice of withdrawal. The amount of interest will accrue at a daily rate of £1.09. To repay the amount of credit and interest due please contact us at the address above. As it appears there will be some difficulty in resolving the issue with the vehicle and it could take days, weeks or even months and then the problem may re-appear in several months time, where does that leave us? We have advised the HP company and the dealer in writing that we are exercising our right to withdrawal and are rejecting the vehicle, but not sure if it is the right thing to do. We have not had use of the vehicle for a week which is still at the main dealer. Where do we stand with getting back our deposit and other incidentals totally just under £3600? Is there anything we should be doing?

Hi this is my 1st post so please bear with me. I had a bad car accident a month ago with a foreign driver. My car has been written off and my insurance company have sent me the cheque. I thought as there was still money outstanding to Fortis lease that the car was on HP however the insurance co say there is no finance outstanding relating to the vehicle as they have checked. Recently received a statement from Fortis lease and it does say loan agreement etc and i cant find any paperwork that states it is HP. Sorry if im waffling. Fortis lease are expecting me to pay them everything that the insurance company have paid out. However I really do need to have a car. Can i keep the cheques, buy a car and make payments to reduce the loan? I dont want them threatening to take me to court etc. Im still very shook up from the accident and my nerves are in tatters. Does anyone have any experience of dealing with Fortis Lease at all. Thanks.

Hi If a CCJ is granted on a Hire Purchase Agreement then does the CCJ then be passed as part of the assignment over to the purchaser? Also does the purchaser of the debt then become the legal owner of the car until the debt is paid? Thanks

Hello everyone, i was hoping to get some sound advice regarding the purchased of a car which has now broken down. I apologise as this is likely to be a lengthy post. I purchased a used Kia from a main dealer (not a Kia dealer but a main dealer for a similar brand) in September 2011. The car had covered 40k and was 5 years old. The main dealer was over 300 miles from home however the car was exactly the specification we were after so we considered the journey worthwhile. The car was advertised with full service history and sold to be with 6 months road tax and a 12 month warranty. The warranty was an aftermarket one. Fast forward to July 30th 2011 when the car started making a strange noise from the engine area. We immediately pulled over and called the AA who diagnosed a faulty timing belt tensioner and towed me to the garage of my choice. I was aware from reading the warranty booklet that the garage labour rates had to be under £50 per hour for the warranty to cover it so I took it to a small independent garage. The garage contacted me a day or two later to advise that they suspected it was the oil pump and not the tensioner as per the AA diagnosis so advised that they had removed the sump. On removing the sump they found lots of metal swarf in the engine and have diagnosed that the crank shells have worn very heavily to the point where the engine requires rebuilding or an exchange unit. Thats OK i though i have a warranty........ The warranty company are refusing to pay the claim stating that the car is 5000 miles over its service interval. This is despite the salesman at the time of the purchase advising me that the car only needed annual services and it wasn't mileage dependant (I rather naively believed him) as i had not had the car 12 months i didn't get it serviced. Sure enough after 11 months the main dealer texted my phone and advised that the car was due a service. It gets more interesting that when i gave the warranty company the service history they stated that it had also gone 5k over the service interval before i had the car and so therefore wouldn't have been covered anyway. I have been in touch with the garage who sold me the car who after 3 days of deliberating have decided to tell me the same story as the warranty company that they wont help as the car is 5k over the service interval. I am not sure what to do now. In my mind the garage sold the car with full service history despite it missing a service by 5000 miles, now that i have let it happen as described above they decide that the service history is not good enough..... I paid for the car partially on a credit card and partially on a debit card (both visa) although I am aware that to reject the car now i would have to prove the fault was present at time of purchase. I am more than happy however to have the car repaired either by the supplying dealer or the warranty company. Currently the car is in bits in the local garage and i have asked them not to continue work on the vehicle until the above is resolved. I have informed all parties that the car is available for inspection. I am not sure where to go from here, the last communication was an email sent by me to the dealer asking him to reconsider their stance on this given the above however i am not sure they will. I have also been in touch with Kia customer services who agree that the car should not have broken down in this way and advise that going 5k over a service interval wont cause the wear described however they cant help as its not one of their dealers. Any advice on how to handle this from now would be gratefully received. Thanks Sam

Hi all, Im trying to find out how to work out purchase interest. I want to eventually claim these charges back but dont know how to calculate them: Vanquis state my purchase interest is : 3.433% Vanquis state my cash interest is: 3.990% Im sending off a SAR to hopefully get all account statements for the whole of the account period. I do have an old account statement reading: Previous statement: 553.78 Total Payments £24.92 Cash Interest: 0.02 Purchase Interest: £13.84 How can I calculate the cash and purchase interest to come up with those figures? Not sure how its done:| Thanks

HI All After all the excellent advice received previously I may have mislead you all - it is not a HP Agreement but a Lease Purchase Agreement over 48 months. Have paid all below except final Outline as follows :- First £5225 + 47 X £461 + £5000 final rental payment . The car registration document is in my name not lease company (error at purchase stage by dealer - they have asked for it over years but ignored request) Query is will not be able to make final payment due tomorrow of £5000 but should be able to pay by end of September . How should I deal with very aggressive company always threatening repossession . Can they take it or do they need to go to court first / and how long does it take / Should I write to inform them I will pay end of September and offer late interest payment on top as compensation to them ? Thanks for helping

Hi, I've read through a lot of posts on here regarding used cars but a lot seems to b dependant on make model and issue with car. I bought an 03 Megane 1.4 16v 32 days ago for £1300, which seemed like decent value. Having had problems with the breaks two weeks later i began to grow uneasy but continued on, later thebreaks just shut out completely whilst i wa driving and nearly caused a severe crash. So i took it to a garage an the mechanic nearly collapsed after an inspection and begged me not to drive it home again. He said the car needed £1700 of work...the following needed repaired: 3 tyres 2 front springs (pos) shocks Catalytic Converter Rear Discs and Pads PSR Cal Power Steering Belt (which was actually completely snapped when inspected) Front discs and Pads PS/DS strap broken Wheel alignment Alt Vent Broken I nearly cried on the spot, as the car is worth less than the work needed. Do I have a leg to stand on as the car as obviously unroadworthy when sold and the mechanic (a very nice fella) said he would stand up for that, basically I just want to reject the purchase and get my money back but when i rang the dealer (recorded phone call) he told me I bought it at for good value for its age and it basic wear and tear! Do I hav a leg to stand on, this dealer advertises all cars on his website as 'in good condition throughout'...does the 'soga' cover me? Has anyone had a similar problem? Thanks and I appreciate any help possible.