hi Long story - bought car 13/08/2018 2 weeks later lots of warning lights - car into AC who sent to Audi who advised needs ABS computer and part on back order - roughly 2k to 3.5k to fix AC have rung to say they're deciding whether they will just give me my money back. so my questions are? do they have a right to do that? I want that car, it took me ages to find it I'm in a hire car at the moment - I'm guessing will be better for them to put me in one of their vehicles so at least hire charges arent being added to their current bill Where do I stand legally - my rights. I've paid to have the car professionally polished, paid insurance, bought mats for it etc etc They're ringing me tomorrow but would love to know what rights I have Thanks in advance Gilly5001

Hello everyone, I'd really appreciate some help with a claim form that I received this week. Name of the Claimant ? CABOT FINANCIAL (UK) LIMITED Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 05 JAN 2017 Date of issue 05 Jan + 19 days ( 5 day for service + 14 days to acknowledge) = 23 Jan + 14 days to submit defence = 6 Feb (33 days in total) - Correct Think these dates are correct. What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. Monies due under current account account overdraft. The Claimant's claim is for the balance outstanding under a Bank account facility LLOYDS BANK agreed to maintain fir the Defendant. It was a term of the Bank account that any debit balance would be repayable by the defendant in full on demand. The defendant has failed to repay the amount due. The debt was assigned to the claimant. THE CLAIMANT THEREFORE CLAIMS 1100 What is the value of the claim? 1100 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Current account When did you enter into the original agreement before or after 2007? Account was opened in 2001 but not sure what year the overdraft was arranged. Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Probably, I'm not sure I don't recall Did you receive a Default Notice from the original creditor? Probably, I'm not sure I don't recall Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not sure Why did you cease payments? Following a relationship breakdown in 2010 I was unable to maintain repayments to creditors. I entered DMP with Payplan 2011 but due to health problems in 2016 and a reduction in income I was no longer able to maintain DMP payments and the arrangement ended. I set up a reduced agreement with my creditors but missed this one. What was the date of your last payment? March 2016 Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes DMP arrangement was in place until March 2016. Ive looked through the forum and began the acknowledgment of service (defend all) and I've got my CPR request letter ready to be posted. the bit I'm not sure about is the I intend to contest jurisdiction tick box. I'm not sure what this means and should I tick it or not? Thanks

I really need some help with a problem I have. I was on a 4 day touring holidayicon last week in Scotland in my second hand motorhome which I only purchased around 4 months that I have been saving up for years to buy. On the second day in Scotland the service light came on. With only just purchasing it I wanted to get it seen to quickly I booked it into Arnold Clark, Falkirk Road Grangemouth. I told them exactly what type the motorhome was and they said it wasn't a problem they could sort it out for me the following day which was the Wednesday. I took it into them and waited from 10:30am until around 3:30pm then went to the service desk and asked how the service was doing. I was informed the service had been done but they were having an issue resetting the service light and they would have to take the motorhome to another garage up the road for the light to be turned off. I agreed to wait so they took the motorhome. Over an hour later I returned to the service desk again for another update. They said they still were having an issue turning the service light off and it must be a problem with my motorhomes body computer. they said they couldn't do it. I immediately called the dealership where I purchased the motorhome from in Lancashire and they said they could turn the light off for me if I bought it into them on the Saturday. I paid Arnold Clark for the service as I wanted to get away as by this time it was about 5pm and going dark because its winter and I was booked into a campsite in Edingburgh. I got into the motorhome and drove off. I got about half a mile down the road when I noticed that now not only was the service light illuminated but the airbag fault light was also illuminated all the time, which Arnold Clark hadn't mentioned anything about. I returned to Arnold Clark immediately. They initially denied all knowledge of the airbag light and said it must of been on when I brought the motorhome in as it was impossible for them to of caused it. after a lot of heated talk they finally ask me to return the following day so they could attempt to rectify the issue. However, knowing the garage in Lancashire could turn the lights off I didn't return the Arnold Clark the following day and instead had a days holiday driving around sight seeing, which is why I was in Scotland in the first place. Plus as Arnold Clark were unable to turn the light off on the service day, it was logical to assume they wouldn't be able to turn it off the next day either and I would waste another day of my 4 day holiday for nothing. The weather from Tuesday through to Friday was mostly terrible with torrential rain and high winds, plus I was smothered in a cold. on the Friday morning I decided to drive down to my parents house in Lancashire which was mid point on my way home to Hampshire and also only 10 miles from the garage in Lancashire where I bought the motorhome from. I arrived at my parents early on Friday, it was still raining and windy I decided to immediately take the motorhome into the dealership. However, on the way from my parents house to the dealership the motorhome started to make a strange engine noise. on arriving at the dealership I popped the bonnet with the service guy standing there. We found the oil filler cap was missing from the engine and the engine bay was coated and dripping with oil from the engine. The oil filler cap was found in the window screen wiper well above the engine. I had driven in excess of 600 miles with no oil filler cap in place and oil squirting all over the place. I was smothered in a cold and with the rain and wind I hadn't noticed or smelt anything wrong. I immediately called the Arnold Clark dealership to complain. The head service guy there spoke to me and informed me it was impossible for it to be their error has after servicing all vehicles are inspected by someone else prior to returning the vehicle to the customer. Yet from the point the motorhome was returned to me after the service, I had either been driving, cooking or sleeping in it until it being parked outside the front window of my parents house for 10 minutes before driving it down to the dealership and finding oil everywhere. Arnold Clark as informed me they will investigate the issue but they seriously doubt its anything to do with them. The investigation will take several days and I must not have the motorhome worked on by anyone else in that time. they expect me to stay at my parents house 250 miles away from home and miss work until they finish their investigation. The dealership in Lancashire has had a quick look at the engine and have found the turbo has been damaged due to lack of engine oil as it is now making a strange noise. Luckily though, they don't think there is any other damage to the engine, but they can't really tell properly without taking the engine apart. All they have done is fill the engine with new oil and made sure the oil filler cap is in its correct place and apart from being noisy it seems to run. From my initial conversation with Arnold Clark I know all they are going to do is fob me off saying its nothing to do with them I will be left with, at best, a damaged turbo that needs fixing, probably at my own expense I just think it is wrong and I am absolutely disgusted. I think Arnold Clark should own up to their error and I should be refunded the £224.96 for the service, the £61 something pence I have had to pay for the engine to be quickly inspected, refilled with oil and cleaned, plus whatever the cost of fixing the turbo and whatever else is wrong with the engine will be. Incidentally, The dealership in Lancashire turned sorted out the dashboard lights in no time. So what were Arnold Clark doing??

Hi there, I purchased a car from Arnold Clark around 3 months ago which included a service and MOT plan. I had no end of issues when purchasing the car. I signed 3 different order forms because the sales person entered incorrect info, I travelled 3 hours each way to collect the car to be told the car was not ready to go, as well as various other problems that complicated and confused the buying process. I feel that this service plan was not explained to me properly and if I had understood I would be paying interest for a service plan over 3 years I wouldnt have bothered . I contacted Arnold Clark customer services who have quite clearly stated i will not be getting a refund if I cancel the plan because I signed the order form and it clearly states it on there. I understand I have signed for this but they have not taken into account how confusing the sales person made the buying process. I actually received a good will gesture of £200 from the sales manager because of all the complications. my question is, do i have a right to request a refund for the service/MOT plan and if I do what are my next steps? Thanks a lot NB: apologies for any grammatical errors, I have typed from my phone. Tony

Hi guys, i'll try and sum my issue up quickly. Sept 2007 got hp with funding corporation for a vehicle for 4 years and stopped paying after 18 ish months. Stupidly made a payment in November 2011. Defaults were served and agreement cancelled by OC in 2009 Cabot sent letters for about 12 months that I did not reply to. Mortimer clark made contact with me threatening legal action at the end of January this year. Made SAR at the beginning feb this year to funding corp - THIS WAS FULFILLED AND i RECEIVED THE SAR Made CCA request to cabot - THIS HAS NOT YET BEEN FULFILLED AND IT'S NOW MAY. NOW called today both Cabot and Mortimer Clarke. (this is the issue along with my big mouth) to tell them my new address. asked Mortimer Clarke the status of the account (it's on hold), asked them that they I expect a responce to the CCA request and let slip that I already had the original T&C's from the OC (I really did not want to say that) called back to see if they had actioned the cca request and they said It's gone through (not quite sure what that meant) If they do Correctly action the CCA request then I may have an upper hand. The OC and Lowell took me to court and the outcome was that I return the vehicle there was no judgement for money owed. I did not return the vehicle. I wonder if it can still be taken to court?

Hi folks, new to the forum and looking for advice please. I purchased a car from Arnold Clark, in March this year. Car has running problems and error codes as in the title. The car has been back to them with the codes after 12 weeks , they sent the car to Peugeot they done a DPF regen and a software update. I have had the car back a few weeks and it done the same thing. They are refusing to fix it and I have left it in their yard. They are just not interested !!! Thanks in advance .

It has recently been announced that Arnold Clark has passed away aged 89. One has to wonder what this will mean to the retail car buyer. What changes, beneficial or otherwise, can the car buying public expect from those now at the helm. Would be interested to know what other customers think.

Good evening, I bought a car (Car A) from Stetford Arnold Clarke, July 2014. I made a Payment for Car A against personal hitachi loan - £500 in cash and a Peugeot 206 trade in which was in good shape and just through MOT. The original sale was dealt with by a relatively new member of staff who really pushed the sale of an audi A3 as she drove one. What was alarming to me at this time was that the sales woman said the deposit had to be processed before the car would be dispatched from Glasgow branch. Payments started coming out monthly from August 2014. In September, the colouring of the car started to fade and I went back to Arnold Clarke to complain about this. I was told that a respray was out of the question but that they would buff. I then went back to AC in December to ask about my options with the car. The reasons about asking for this was due to my working commitments and imminent changes to my working life. Arnold Clark said this downgrade would take my monthly payments down if I handed the Audi back and opted for a cheaper car. There was also an expectation of a cash payment at this stage but I'm not really sure why this was, so I give over another £100. He then said, I'm going to ring up the people from Hitatchi and they agreed to 'take it back, no problem'. As a person who doesn't work in this industry, I was assured that this was the 'end' of the original loan associated with the Audi and he assured me this was the case. Following this, he then signed me up to the new loan (Car B) but at no point did he make it explicit that the new loan was being added on top of the existing one. This really didn't make sense to me and why would it? The very reason I was back in AC was to change my car option and the associated loan repayments, when in actual fact, I ended up paying for the total of two. I visited another few times were I mentioned to the sales staff that I would be more than happy to take any 'banger' they had on the yard. Surprisingly, this was not taken up as a viable option which was confusing to me as the staff were fully aware that I wanted to downgrade. I have rang Hitachi finance (who the money is owed too) who sympathised with my situation, several times, to see what I could do. The first phone call was from me to query why the repayment total was so much; totally opposite to the reason for downgrading. I now roughly have to pay back £10, 000, and I have paid about £4, 000 – the car in worth about £1200. I have rung Arnold clark several times and left all my details, but they have never rang me back. I also have sent them emails and they have not replied. So I am looking for advice – has Arnold clark done anything wrong? Have I any way of negotiating this ‘loan’? I have a lot of paying back to do and it feels like I have been ripped off. I would be happy enough with maybe having a big loan to pay back if it was going towards a very good car, but the car probably needs changing in the next 6 months. Any advice on this matter would be greatly appreciated. From reading through the comments, it seems that many people feel misled. Summary: I took out an audi a3 and put down a puegeot 206 and £500 deposit. After a few months I wanted to downgrade as repayments were too much. Arnold clark took the car back and settled the figure. I took out a new car on a more affordable monthly repayment. They didn’t tell me though that the new finance deal was added onto the first one. Now I have £10, 000 to repay for a car worth £1200. Is there anything I can do? The questions I have are: 1 – has Arnold clark done anything wrong 2 – Have I any way of negotiating this ‘loan’ 3 – is my issue with Arnold clark or hitachi? 4 – What should I do next?

Hello all, I recently purchased a used car from Arnold Clark and went with a one-year AutoCare warranty because it seemed like a good idea at the time. No finance involved. Was just browsing this site and see that the overwhelming advice is not to bother with AutoCare, so I've just checked the T's & C's to see if/how I can go about cancelling it. As a new member I can't post a link, but they can be found by googling "arnold clark autocare warranty in detail", choosing the first result, and clicking the link on that page which says "download our Autocare policy document". Once in that document, the "Your right of cancellation" section is on page 10. It starts by saying that "no full or partial refund of the price paid for the warranty will be made", but then later says that "on receipt of your notice of cancellation we will refund the warranty cost, unless you have made a claim under your warranty". I don't understand this. If I send a letter requesting cancellation to the specified address, will the amount that I paid be refunded or not? Thanks in advance. Any other advice or things to bear in mind when doing this will also be appreciated. Recorded delivery for the letter, for example

Good Morning just received a load of paper work from these solicitors not sure if I have been on here about this before the letter says we have reviewed the file following the issue of our clients claim you filed a defence In order our client could provide you with the documentation we were ordered to place your account on hold and take no further action in relation to the proceeding's until we received the requested documentation from our client it then says please find attached Credit agreement credit card statements our clients statement of account Your Defence In your defence you deny all knowledge of this matter. We enclose a copy of our previous correspondence providing background of the claim Our clients position is that the enclosed documents clearly evidence the debt The credit agreement bears your signature The way forward It is not clear what your defence to this agreement is we as that you set out the precise legal basis of any defence within 14 days Alternatively our client would like to settle matters without the need for further court proceedings We therefore we ask you put forward repayment proposal's to address the outstanding balance The next page then offers a 40% discount then there's a letter explain the background saying it relates to a credit card agreement for capital one entered on the 11/2011 terminated 05/09 the debt and agreement has been assigned to Cabot financial (UK) ltd sorry so long winded but wanted to give as much info that I have received as I could Many Thanks

Hi All . after some advise on this please. I received a Cliaimform today from cabot financial (claimant) with the address of mortimer clark solicitors as the address for sending payments and documents listed underneath , for the sum of £557.68. this debt is i think form a old hp agreement from five and a half years ago when i split from my ex (she moved out and all debts where in my name she was the main wage earner ). to be honest i cant even remember what it was for or what company it was (says Hitachi nova on the particulars of claim). i know this and a lot of my other debts are nearing the 6 years statute barred point i think the last payment may have been about Jan 2009. I had this ccj thing crop up 3 years ago for another difrent debt with bryan carter (phoenix recoveries ) this is what i did for that one . i filed a deference with the court saying that i did not know what the debt was for and had no knowledge of it, bryan carter then sent back a letter telling me who the debt was from, after researching the net and different forums i sent back the following letter to bryan carter solicitors CPR 18 - REQUEST FOR INFORMATION After a few weeks i had a letter from them stating the claim had been discounted happy days . the above letter was the only one i sent. and have heard nothing since as the probably did not have all the info required. Now to my main question (sorry about the long winded post) should i do the same with my latest Claimform from cabot , mortimer clark or have things changed since my last success against the debt collection company's Many thanks for all help and replies Vauxman

Hi, I wonder if anyone can help? I received a letter from Buchanan Clark & Wells in relation to a debt to Orange Pcs Ltd for £130. I have no idea what the debt is for. I sent them a CCA letter (template on Forum) asking them to prove what the debt was for. I sent it recorded delivery and asked them to respond within a timeframe. Today I received a letter from BCW stating "we act as agents for Orange PCS Ltd in relation to the outstanding balance and do not hold the documentation you require. In order to obtain a copy of the documents you have requested, you will need to contact our client direct". They provide an address in Co. Durham. Does anyone have a template letter that I am able to use requesting these documents please? Also, we had an account with Orange/Freeserve/Wanadoo over 10 years ago. Recently we nearly moved to EE for Broadband but because they totally messed up the whole thing we never actually moved to them. Does anyone know if EE trade as Orange PCS Ltd? I cannot for the life of me think what we owe £130 for as as far as I am aware we have always closed/finished accounts with no outstanding balances. Thanks in advace SianHamer

Hello All I received a letter from the above named company and had to google them to find out the nature of their business. They refer to my previous brief address, does this suggest my previous Landlord has issue with me? I left on bad terms in that they practically threw me out, however I left owing nothing as all utilities, heating, electricity and water were included. I am reluctant to enter into any kind of dialogue on the phone and will reply by mail, is this advisable? Would be grateful for any help in this matter. Ce1este2

Hello, last month we purchased a vehicle from Arnold Clark and part ex'd our own vehicle. Prior to agreeing to buy we made the salesman aware that I only had a provisional license and asked would that be a problem with the finance (my wife would be the main driver until I pass my test with me driving it provisionally.). The salesman said that wont be a problem, the vehicle just has to be comprehensively insured. We submitted all information for a credit check and we received a call the next day from the salesman that the finance had been accepted and asked if we could come in to sign the agreement and pay the deposit. We did so and the salesman said everything was fine, the car was signed over to us and we supplied all the documents that we were asked for. We collected the car a couple of days later and left our vehicle with them. A couple of weeks later AC called me to say they needed proof of comprehensive insurance where I was the main policy holder. I said I dont have that because my wife is the main policy holder and I am a named driver. AC said that the finance company wont release the money to them until they have proof that I am a main policy holder and that the car would have to be repossessed if we cannot. I informed him that on my copy of the finance agreement it only states that the vehicle has to be comprehensively insured, it doesn't say that the owner has the be the main policy holder. He said "yes but that doesnt matter because on the new document from the finance company it says you need to be the main policy holder". They are threatening repossession if I dont pay for comprehensive insurance in my name which firstly we cannot afford to do that and secondly out of principal of the agreement. The funny thing is they said the finance company are threatening repossession and I said "so a finance company who has currently made no investment in this vehicle has the right to take my car away." to which AC said that "well not it would need to be returned to us" to which I replied "so AC will repossess the vehicle?" and after umm and arring they would not give me a straight answer as to who would be repossessing the car. Any advice would be greatly appreciated and if they can repossess where do I stand with my deposit and part ex'd car?

It is common knowledge that clark lost the Honda dealership, at least in Kirkcaldy if not further afield. In todays paper it intimates that they no longer hold the Nissan dealership at least for Dundee, if not further afield. No reason is given for this move. I suggest that anyone who has bought a new or even nearly new car from them and feels they have a genuine grievance, should write their complaint to the UK Managing Director for that particular marque. I don't think manufacturers would want to be using dealers who may give their product a bad reputation.

Hi, I am looking for some advice. I bought a car from Arnold Clark yesterday andthe signed vehicle order agreement. I am still awaiting to hear of approval hasbeen granted for the credit however on leaving sales room I am not happy with what’sin the agreement. Initially I was quoted a price, £167 pm that included all their extras(warranty, service, road tax, fuel and mats and VIP insurance). I said no andthe deal was lowered to £157 pm. I left and went back the following day todiscuss. They then offered £146 pm but the VIP insurance was removed and the warrantyreduced to 1 year. The service agreement was still included. I was advised a costof £136 if all extras were removed. I was also told that I would maybe get thewarranty (FOC) if it was a deal breaker. Anyways, long story short, they agreed to giving me the road tax (only £30p/a), the petrol and mats for free. We signed up. We didn’t actually get to seeanything though and did the electronic signature that they look for on thevehicle order agreement. Now looking at the agreement, I have paid the stickerprice (no discount at all), have no extras and have paid £30 road tax and £25for fuel (was initially £50 for fuel and mats). No mention of the mats. I feel like I have been done. Wherewas the £167 pm price initially from? Can I do anything? I thought I was makinga saving somewhere and do not even seem to be getting what was discussed (mats etc.).The agreement refers to Terms and conditions but none were attached. Can anyonehelp? Thanks

Hi I recently bought a new car from Arnold Clark mid February. Who even though instructed I did not want the service plan included it in the purchase. However I were persuaded by the salesperson it was a good deal and that it would prolong and complicate the process to take it out at that stage. My main concerns were that there would be a mileage limitation and that none genuine parts would be used on my car endangering the manufacturers warranty. The salesperson assured me there was no mileage restriction and only genuine parts were used and services would be in line with manufacturers schedule. I have not received any documentation about the service plan from Arnold Clark. Looking at their website they offer service plans for vehicles under 42 months but they do have a mileage limitation of 24k miles. The service plan would possibly expire before the second service was due (intervals of 1 year or 20k miles). It is over a month after the purchase of my car and I am regretting taking this package as at £379 for 2 years it doesn't seem that great a value for money and is causing a lot of headaches. What would my rights be if I were to want to cancel the service plan?

I bought a Ford Focus from Arnold Clark. On the website it said it had cruise control and speed limiter fitted. When I took it a quick test drive I said to the salesman "it does have cruise control doesn't it?" And he said yes. When I drove the car home I couldn't find the cruise control so checked the manual and phoned the salesman to tell him. I had to take the car back the next day for him to check and he confirmed it didn't. I asked for it to be fitted with a new steering wheel with the cruise control buttons. Salesman called a non Arnold Clark ford dealer to check but ford can not do this without voiding the warranty. I called a ford dealer myself and was told the same. Can anyone give me advice on what options I have? Cruise control was one of the main reasons I chose this one. I've to go back tomorrow to speak to the manager as he was off work when I went back before. The car is 1 year old. Any advice would be appreciated.

Hi there I am new here so bare with me as I write about the problems I have been having with Arnold Clark. So where to start? I suppose at the beginning would help hehe. I have been buying cars from Arnold Clark for the last 5 years and until the beginning of this year I was a satisfied customer. I went into their Motherwell store at the end of January to trade in my perfectly working Mondeo as I found it was costing me a lot to spend most of the time on my drive way and wanted something a little cheaper to maintain. I spoke to the same sales guy I always do as he has sold me most of the cars I have bought from there and went about getting a new car sorted that would suit my needs a little better than the big Mondeo. So I settled on a nice little 11 plate Astra as my new family run around for my wife and 2 kids. So the deal was done and because of the trust I had I neglected to take a test drive much to my regret. I drove the car home put it on my drive and it sat there for 9 days while I was working. Took my family out for a spin in the new car on my next day off and immediately found that there was something not quite right with the car, so I thought it was probably just me and let it be. I few days later the car got really bad and started to judder when accelerating all the time. I decided to take the car back in and get it checked and they claimed it was the Mass Airflow Sensor and replaced it for me. I took the car for a test drive and no more juddering and I thought great issue solved and onto happy motoring. Unfortunately not quite the ending I wanted a few days later the juddering started again so I took it back in and they told me there was a fault that needed the attention of a Vauxhall dealer as they didn't have the equipment to do the testing. So we arranged a date and I went on my way. I decided to go out to Glasgow in the car and as I was cruising down the motorway in 6th gear the car stalled and I lost all power. I was able to get it started and carried on but the car was not great running. On my way back the turbo in the car kept kicking in and I almost put it into the back of a bus with just a slight touch of the peddle. I decided enough is enough and went back to AC the next day and kicked up a fuss. The service dept. told me they recommend I don't drive the car and left it at that. So by that time I thought to myself I do not want my children in that car any more and decided to try and get them to take the car back as by that time I had only had it a few weeks. The sales guy was more than happy to help and although they claimed they couldn't take the car back for the purchase price they would be willing to give me a good markup on it and keep my payments roughly the same. So I agreed as I thought at the time this seemed like the best way to get away from that death trap of a car. So I bought a different car, they transferred my 2 years warranty package kept my payments the same and I thought great finally sorted. Alas it was not meant to be just yet. I finalised the finance and signed for it all last Tuesday and just as I was about to get the keys to my new car they dive in and say we've lost the V5 and can't tax the car in your name. They said a new one was ordered on the 20th Feb and would have one any day. As a way of an apology they gave me a stock car with no fuel and I had to insure it myself. Also promised me a full tank of fuel in my new car when it's ready which after a week of waiting is probably still going to be a while off. I dunno how to feel about the whole thing as I think on one side they did help me well but the other makes me feel I have been had. Is there more I should be doing? Am I just being paranoid and they have done loads for me already or should I ask for more? Sorry for the wall of text. Thanks, Kev.

hi, i'm new to this kind of thing and have never posted on here before but I needed advice on a problem I am having with Arnold Clark. I purchased a 2011 BMW 1 series coupé from Arnold Clark and after 4 months of having the car the heating/ air con panel on the car stopped working on the first day it got cold in winter (and its impossible to drive the car without this because all the windows steam up very quickly). I contacted Arnold Clark about the problem as we were told that we were still covered by a BMW warranty when we had brought the car. s Much to our disappointment when we informed Arnold Clark we were told if we hadn't brought a Arnold Clark warranty (which we were not even offered or given the option to buy when we had purchased the car) we weren't covered for any faults on the car and it was not their problem any more. we then went to a BMW specialist garage because we were told by the arnold clark salesman we were still covered by BMW. when we called BMW to check this we found out the warranty had expired a month before the car was purchased but we still went ahead and tried to get the car diagnosed. we were told the fault could not be diagnosed and a fault like this had not been seen before by BMW mechanics. We were also informed that the car had been overdue a service for 14000 miles. (This was surprisingly disappointing to me because when i had brought the car we were told everything had been changed on the car and a full service had been done.) when the car was checked for service history we couldn't find a service history book. I had called citizen advice bureau and I was given a list of my consumer rights and also given the list of acts in which Arnold Clark had not complied by and mislead us. I had gone back to Arnold Clark to try and get a solution to the problem. I was told by the 'manager' that I have no consumer rights and nothing can be done for me they refused to look at the car and told me the salesman that sold me the car no longer works there and its not their problem. I then contacted the finance company and told them the fault i had with the car and I was told id need to give arnold clark a chance to fix the car before anything else could be done and this would take a maximum of 8 weeks. the finance company didnt seem to be doing much and dragged out the claim for 12 weeks to then turn around and tell me the claim was rejected by arnold clark and they are blaming me for the electrical fault on the car and the finance company will be closing the case and now im left with a car I cant drive without heat/aircon to unsteam the windows and a fault that cant be explained. can i take further action against them(taking them to court)?

I purchased a year old car from Arnold Clark last year and went to have some work done and pulled out my documents and found I had signed up to Arnold Clark Autocare. The expiry date on this Autocare has now ended. My issue I have is this is an exact duplicate of the manufacturers warranty and strongly feel this has been miss sold. Why sell something which you have already covered!! As usual like I see many posts on here Arnold Clark just say you signed for it. Am I right or wrong on this that this should have never been offered at point of sale when the manufacturers warranty covers all this. This is a bit like PPI. Arnold Clark will not budge. Is there a regulatory body that can look into this and take action as I strongly feel this is wrong and how many other people have been caught out on this. Many thanks

I purchased the following vehicle from Arnold Clark, Nissan, Perth. Nissan X-Trail Diesel Station Wagon When fitting a new tow bar, the engineer at my local garage identified the following :- • The vehicle had previously been fitted with a tow bar....the tow bar socket was in a plastic bag taped to the underside of the vehicle and the left and right tow bar anchors were still in situ. • When this tow bar was removed the original integral cross member was not re installed. • This left the rear of the vehicle without support and in an unsafe, unprotected condition in the event of a rear shunt /collision. I am concerned that this vehicle was not properly checked prior to sale and was released to me in an unsafe condition. Can I report them to Trading Standards, who may take action against them?

I have purchased a used Vauxhall Corsa from Arnold Clark but all I have had is problems and lies ever since I walked onto their forecourt. First off, my incompetent car salesman has entered 3 car finance agreements onto my credit report. These got accepted then cancelled, one after the other. (Not searches these got accepted!) The only reason he had to cancel them was down to his lack of reading skills. First one he put wrong information on the application, the second agreement had to be cancelled as i did not have a guarantor and the third I was not the main policy holder of the insurance (however this was not listed in my copy of the terms and conditions, so obviously they just made this up). he applied for a personal loan in my name without going through any pre-contract information with me. I had also driven the car away when I signed the second finance agreement with them there was an issue of whos car it was as there was no finance attached to it! I have another issue with this car salesman when I saw this car it looked too good to be true, i asked him who owned the car before me. He gave me the line "just a managers car that they have traded in for a newer one", however, on receiving my V5 it states that a hire car company owned it. Now i'm sure he has breached the Consumer Protection from Unfair Trading Regulations as stating something which is untrue? and hiding the fact it is an ex-rental. What should I do about this? The manager dealt with us after that and tried to sell us another car! Even though the finance of the car we just bought was not resolved. He offered us money to take this new car but we declined. He also tried to entrap me by recording a phone call we had without my knowledge or permission. I have complained to head office with a very long list of complaints for them to say that we have sorted out your third finance agreement so have set your complaint to resolved. The manager from the garage we bought the car from rang me and said I can have a full tank of petrol for my inconvenience and he then added £100 on top of that after I started telling him everything they have done wrong. This didn't come from head office so i'm not sure what to do. I have put in a complaint with the Financial Ombudsman and I'm going to write to my local Trading Standards. Do you think that I'm being fussy or should I not have to put up with this having an effect on my ability to obtain credit, the fact that they have breached the regulations according to Trading Standards, breached their code of conduct set out by the FCA and have lied to me throughout this process making me feel stressed and upset. (sorry for such a long post!)

Hi I have received a ccj claim form from cabot financial for a debt to fashion world. Particulars of claim are that I was issued credit on 11/09/2008 and that I failed to make minimum payments and therefore agreement was assigned to cabot on 26/06/12. The amount of claim is for 1087.55 plus court costs 1237.55 I have received letters from cabot but totally ignored them as I was advised to. I really don't want a ccj as my circumstances have changed and I am building up my credit rating. Is this too late now the ccj claim issue date is 30 June but I have been on holiday so didn't open until yesterday ( 11th July) Any help would be much appreciated.

Hi Caggers Received a N1CPC claim form today which i have acknowledged through MOCL Name of the Claimant ?=Cabot Financial Date of issue=15th June 2014 Particulars of Claim?=By an agreement between CitiFinancial around March 2002 defendant failed to make the minimum payments and agreement was terminated. What is the value of the claim?=870 Is the claim for a current or credit/loan account or mobile phone account? =Credit Card When did you enter into the original agreement before or after 2007?Approx. 2002 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. = The Claim has been issued by a debt purchaser (As i do not have any agreement with Cabot) Were you aware the account had been assigned – did you receive a Notice of Assignment?=NO Did you receive a Default Notice from the original creditor?=NO (Not one that i can recall) Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ?=I have not seen any of these. Why did you cease payments:- = Could not afford it any more, tough times, lost job, gone on benefits then out and started my life again Was there a dispute with the original creditor that remains unresolved? = None as i ceased payments when I could not afford it I have now requested for info on CPR31.14 I have also sent (send a CCA1974 request to the claimant) with 1 pound attached PO I gather from most cases in the forum, i do not need to do anything for now apart from keep an eye on the Court Calendar to file my defence. Based on the dates, are you able to help me work out the latest day i should file my defense by? Thanks Caggers