Chancer v Welcome & others

[steven4064]

I would only add to the last sentence "... and therefore not subject to the results of the OFT case"

[chancer1]

thanx steven - prompt as usual

 

- and thanx for all the help with WFS - I have finally got them to rectify the credit file to reflect the appropriate information

[steven4064]

I have finally got them to rectify the credit file to reflect the appropriate information

Well done!

[chancer1]

I had similar issues with another well known provider of these car loans BCT.

 

I had issues with Freelander I had on finance - the IRD box virtually fell off the engine 8 weeks after purchase - I was led to believe that the finance company is the responsible party, but they always try and tell you to goto the Garage - possibly in the hope that the garage will sort it out, you will have to check the regs around HP.

 

I basically used the Trading Standards route - 'Not Fit For Purpose' was what they advised me - under a particular section of the consumer credit act, unfortunately I don't have the paperwork as it was some time ago.

 

Just found this.......

 

Dear Sir/Madam

 

Consumer Credit Act 1974, Section 75

 

On date I bought describe item from name of retailer. This purchase was

financed by your company provide agreement number.

 

Unfortunately, I have discovered that this describe item is faulty / not fit for its purpose / not as described (delete as applicable) and I have written to the retailer to reject the item and claim a refund of the money paid, under the Sale of Goods Act 1979 (as amended).

 

I have tried to get a refund from the trader but they have ceased trading / are ignoring my complaint (delete as applicable). Under the Consumer Credit

Act 1974, Section 75, I am entitled to look to you for compensation, as this

law makes you equally liable with the trader for any breaches of contract.

Therefore I am rejecting the item and claiming a full refund from you.

 

I look forward to hearing from you within 14 days.

 

Yours faithfully,

 

Blah blah blah...

 

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