We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Urgent advice required
Comments
-
I'm really confused by all this "could/should" have rejected the car. Did you, in writing, in the correct format, in a reasonable timescale, reject the car?2021 GC £1365.71/ £24000
-
Not sure if I am missing something but those are different amounts and to me, it seems you still have not paid the account in full.UrgentHelp wrote: »Just paid them the £4114 to clear it off in full.... .
....upon payment of £4213.50 your account will be settled in full."We act as though comfort and luxury are the chief requirements of life, when all that we need to make us happy is something to be enthusiastic about” – Albert Einstein0 -
UrgentHelp wrote: »They said what I did is fraud and they said they was going to register a cifas fraud marker, I said to them well it's not fraud really is it, I claimed it back from my bank and I explained to them why, under the credit consumer act the car was unfit for purpose and I had a chance to reject it and I they were unhelpful.
Yes it was fraud. Your issue was with the dealership - not the finance company.
Oh dear, if they do indeed follow through with a CIFAS marker you are well and truly screwed for the next 6 years. You can also wave goodbye to driving a car as well because only 2 insurance companies will touch you with a CIFAS marker and your premiums will be astronomical.I'm a Board Guide on the Credit Cards, Loans, Credit Files & Ratings boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com0 -
BrassicWoman wrote: »I'm really confused by all this "could/should" have rejected the car. Did you, in writing, in the correct format, in a reasonable timescale, reject the car?
I'm reading it as OP bought a car, thought about rejecting it but didn't follow through, subsequently wrote car off and had no GAP insurance so looked to retrospectively reject it or exploit any loophole to avoid repaying outstanding balance.
Now has been caught out and has a big black mark hanging over him for next 6yrs0 -
I'm reading it as OP bought a car, thought about rejecting it but didn't follow through, subsequently wrote car off and had no GAP insurance so looked to retrospectively reject it or exploit any loophole to avoid repaying outstanding balance.
Now has been caught out and has a big black mark hanging over him for next 6yrs
That would make more sense. Thanks!2021 GC £1365.71/ £24000
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.1K Banking & Borrowing
- 253.5K Reduce Debt & Boost Income
- 454.2K Spending & Discounts
- 245.1K Work, Benefits & Business
- 600.7K Mortgages, Homes & Bills
- 177.5K Life & Family
- 258.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards