Momentum warranties

DUTR

eileandonan21 wrote: »

Yes. My expectations of a used car warranty covering wear and tear were completely unrealistic. I simply read what it said in the Momentum brochure and believed it - that's what I thought I was buying.

But as you can read for yourselves from their letter, that turned out not to be the case. Why should I have believed/understood any different? At least this info is now on MSE to inform others.

It seems as if all you car-savvy blokes think that everybody should know about bearing collapse, impeller blade impact, turbo failure and all the other stuff in his letter. I don't - and I don't want to either. My car had a sudden turbo failure, Momentum knew the mileage and therefore the risk, they took my money.

Then can you not go to the relevant insurance authority? Sometimes the complaint is upheld and you are refunded your premium.

BeenThroughItAll

eileandonan21 wrote: »

it's an ongoing - indefinite - campaign to illustrate to inform others based on our experiences.

So go on, spill.


How many visitors has your plus.com website attracted?

BeenThroughItAll

eileandonan21 wrote: »

Yes. My expectations of a used car warranty covering wear and tear were completely unrealistic. I simply read what it said in the Momentum brochure and believed it - that's what I thought I was buying.

Did you read the terms and conditions? Because I guarantee there was a list of exclusions in there as long as your arm.


Sudden failure... or was it simply the end stage of a gradual failure due to wear and tear? Difficult to tell. I'd love to read your independent engineer's report.

eileandonan21

If you read Warwick Smith's letter he states that this type of policy is not covered by the FCA.

So if you took any reassurance from the statement "Authorised and Regulated by the FSA[FCA]" then your reassurance may be a false premise depending on exactly what you were sold.

Probably the financial ombudsman is the way to go

take care,
Moira

PS - about 9000 views of the letter.
The principal exclusion is of course wear and tear. Some things you expect to wear out - like brake pads and discs. Other things you don't - like turbos. You would expect a turbo to last as long as the car, and as the independent engineer stated, it's not a serviceable component. He said the turbo suffered a sudden bearing failure to which wear and tear obviously made a contribution. But by that argument the whole car is exposed to wear and tear and therefore everything is excluded. And if everything is excluded, what's the point?

romeorules

I have an ongoing claim with Momentum Warranties. I had come across mse earlier or I would never have purchased this policy. My hand brake has failed and I was told yesterday that based on the independent engemineers report, it can't be classed as sudden failure because the actuator for the hand brake still partly works. A big massive joke as the electronic internal handbrake no longer works even if the actuator works. This has been dragged out for 3 weeks now. I am now being told to email the complaints department. Worst experience ever. Just a big scam.

Oliver_Kent

Purchased a Momentum car warranty on second hand car in September. Failure of component supposedly covered by Momentum car warranty in November. Refused to make a payment. Shoddy very shoddy. Complaining to FCA.

Elaine_McGuinness

First time my car needed repair I give details to garage who in turn wished me luck with momentum and sure enough they wangled out of paying for repair wouldn't touch them I bought the car as thought good idea with it being covered but obviously the garage I bought it from charged me the six months cost in with price of car. No I will not be renewing it

peter_the_piper

Watch out in case of auto renew.

GKD2801

Caveat Emptor - Buyer Beware. John Kilkenny Motors,Broxburn
Consumer Rights Act 2015 V “Little Man with Big Pockets”

We have had to enlist the services of a solicitor to have our car a Volvo XC90 returned to John Kilkenny Motors, Broxburn. This has been done in line with the Consumer Rights Act 2015. It has also been done after the offer of arbitration was not taken up by Kilkenny.
We purchased the car in November and on the day we drove it away from the dealers it showed an ABS fault. The car went into limp mode within miles of Broxburn. Cruise control engaged and disengaged whenever it felt like it and the engine remained in limp mode. Despite diagnostic work undertaken and several sensors changed the issue remained and in fact got worse. Driving the car was dangerous.
For the next two months we worked with Kilkenny to attempt to have the car fit for purpose, safe and reliable. During this time he had the car back in his garage for over forty yes forty days. One might argue that this was done to allow the thirty day Consumer Rights Act 2015 “right to return and refund” to run its course. That is what Kilkenny was clearly hoping for. What he didn’t legislate for is that the law supports consumers who have identified any issue on day one, which we did.
So what happened during those forty plus days? Allegedly new bits and bobs fitted to the car. Now I’m not a mechanic but two separate mechanics have indicated that the “new” items might not be new. But that’s okay as I didn’t pay for the attempted repairs.
Kilkenny has repeatedly treated our solicitor with distain and spoke like he was a school bully indicating that he would not offer a refund and that he has “big pockets”. Not a particularly professional stance but one that is more comical and laughable. A little man with big pockets.
Even when challenged about why he felt it necessary to attempt to claim against the cars warranty(AA) stating that the car was with him at his garage when in fact it was with us. Maybe he was just after money to fill his big pockets?Alleged attempted fraud?

To support what I have written above but without boring everyone with the minutae of our numerous messages and phone calls(or as I like to call it-evidence) I have attached a simple guide for prospective buyers to bear in mind. Especially if you buy from a garage like Kilkennys that is happy to take your money but will sharply absolve themselves of any responsibility.

As required by law the car has been returned to the little man who humourously has removed it from his forecourt and states that he will return the keys to us. Needless to say we will let court action run its course.

I have taken this step to show that despite due diligence and research anyone can be treated without courtesy or respect or honesty when money is the motivating factor. It may well have been easier of he just wore adult trousers in an adult world with normal size pockets.

If you buy a new or used car from a dealer and experience problems with it, you have some statutory rights under the Consumer Rights Act 2015.
The Act states the car must be “of a satisfactory quality”, “fit for purpose” and “as described”. (For a used car, “satisfactory quality” takes into account the car’s age and mileage.)
You have a right to reject something faulty and you are entitled to a full refund within 30 days of purchase in most cases.
After 30 days you lose the short-term right to reject the goods.
You’ll also have fewer rights, such as only being able to ask for a repair or replacement, or a partial refund.
In fact, you’re legally allowed to return it up to six years after you bought it (in Scotland, it’s five years after you first realised there was a problem).
But it gets more difficult to prove a fault and not normal wear and tear is the cause of any problem.
How to get things put right
Here’s what to do if you have a problem with a new or used car bought from a dealer:
Contact the dealer as soon as you notice the problem – in person if possible.
If the dealer offers to fix the problem, make sure you understand any costs involved. Keep a record of your conversations and correspondence, and get all verbal agreements in writing.
If all else fails, you can reject your car as long as you tried to resolve the issue with the dealer first.
You must give the dealer details of your reasons for rejecting the car in writing, and within six months of taking delivery of it.
Please note that there is nothing in the law that’s states that you win if you have big pockets.

Mercdriver

What has this to do with this thread, pray tell?