Missold car finance, lying and bullying by car dealership

DE_612183

Good Luck!

born_again

Ehi said:

Respectfully, I dont think you are understanding and we are going round and round in circles

REASON I POSTED ON HERE ( MSE Forums )

1. I was told there is a Martin Lewis template for missold finance and I could also ask on here. Yet no one is talking about that. I found a few and using the guideliness which fit my narrative and tryng to align my grieviences with that, rather than endless explaining 

This has nothing to do with the missold finance ML is talking about.

Which is Bought a car, van or motorbike on PCP or Hire Purchase before 28 Jan 2021? Discuss the hidden discretionary commission probe and how to complain.

https://www.moneysavingexpert.com/news/2024/07/car-finance-reclaim-decision-delayed/


TBH. Other than that I am totally lost as to what exactly has happened here.

Ehi

born_again said:

This has nothing to do with the missold finance ML is talking about.

Which is Bought a car, van or motorbike on PCP or Hire Purchase before 28 Jan 2021? Discuss the hidden discretionary commission probe and how to complain.

https://www.moneysavingexpert.com/news/2024/07/car-finance-reclaim-decision-delayed/


TBH. Other than that I am totally lost as to what exactly has happened here.

Again, respectfully, You will quickly find out the in life, its not one size fits all. I made numerous points and you have narrowed it down to the commission scandals. That is one of many scandals. My cousin explained PPI, which when investigated fell short of the law also. And there are many examples out there 

Hence there is not one size fits all "WHAT THE DOCTOR ORDERED" .... think outside the box

Even this ML document, I posted twice, has more info, which you ignored. And my grieviances does fit  https://www.moneysavingexpert.com/reclaim/mis-sold-car-finance/
 
The bottom line is even both the dealership and finance HQ admitted to mistakes and offered me remedy.  The dealership refused to allow me complain to this day or speak to managemnet. When I refused their compensation, the HQ claimed option 1 above I posted, was a lie. But when I submitted evidence, they have refused to respond to this day

again, respectfully, THINK OUTSIDE THE BOX. 

Scandals come in all colours, shapes and sizes

Aylesbury_Duck

What have I missed?  You have a solicitor in the family.  Why aren't you engaging their help with your claim and complaint, rather than trying (unsuccessfully) to explain your case on here to a group of strangers?

Even if you didn't have a legally qualified cousin, the value of your claim is high enough that you should consider paid-for legal advice.

MeteredOut

Respectfully, I am completely confused.

Ehi

Aylesbury_Duck said:

What have I missed?  You have a solicitor in the family.  Why aren't you engaging their help with your claim and complaint, rather than trying (unsuccessfully) to explain your case on here to a group of strangers?

Even if you didn't have a legally qualified cousin, the value of your claim is high enough that you should consider paid-for legal advice.

lol  

Have you not heard, a professional e.g. a doctor should never treat his family ?  Its just part of professional work ethics. I spent years going through a divorce and never once did I engage family, but I always did seek advise

My cousin is a company solicitor and his brother is an immigraiton barrister. They just pointed me in the right direction and said to check examples and templates on ML website and google what the law says. Hence I am on here. For example I have seen this 


https://www.financial-ombudsman.org.uk/consumers/complaints-can-help/credit-borrowing-money/car-finance 

>>  IF A CAR OR CAR FINANCE AGREEMENT WAS MIS-SOLD OR MISDESCRIBED

If you feel that you’ve been misled about a key feature of the car or the finance agreement, we’ll look at things like:

• what you say happened and what the dealer/broker says happened

• any information you were given about the car before you bought it including invoices, brochures, manuals, adverts, the car service and MOT inspection history

• relevant documents like the finance agreement and pre-contract information

• supporting evidence such as correspondence showing anything that may have been said leading up to and shortly after any agreement was entered into, for example, emails and text messages

If you bring a complaint like this to us, it’s helpful if you can provide us with any evidence like this that you may have. But don’t worry if you don’t have all of this information – we can still look at your complaint.
If we think something was said that wasn’t correct, or that you were misled into taking out the finance agreement or getting the car, we’ll think about the impact this has had on you and what you might have done differently.  

Lastly I am a very open minded person, and like to discuss issues constructively and positively. Talking to everyone here has helped me, recall issues ( which I have penned down ) and dive deeper into what happened. 

Most importantly, ensure that I present my argument properly, as its been difficult repeating myself over and over to clarify myself. So everyone has been helpful. But what I feel is STRONGLY LACKING is that no one seems to know the law or have prior examples on here. As I was expecting one or two comments or advice on how to present my case

Hoenir

Ehi said:

 But what I feel is STRONGLY LACKING is that no one seems to know the law or have prior examples on here. As I was expecting one or two comments or advice on how to present my case

This is Money Saving Forum where people express personal opinions purely based on the information provided. There's not advice to be found. As advice in many facets of daily life is highly regulated these days. Google is a great resource of misdiagnosis of medical issues and must be a pain for that profession. 

To present your case you need a solicitor. There's also the other side of the story that we haven't heard yet. Things are rarely totally black and white. 

Aylesbury_Duck

Ehi said:

Aylesbury_Duck said:

What have I missed?  You have a solicitor in the family.  Why aren't you engaging their help with your claim and complaint, rather than trying (unsuccessfully) to explain your case on here to a group of strangers?

Even if you didn't have a legally qualified cousin, the value of your claim is high enough that you should consider paid-for legal advice.

lol  

Have you not heard, a professional e.g. a doctor should never treat his family ?  Its just part of professional work ethics. I spent years going through a divorce and never once did I engage family, but I always did seek advise

My cousin is a company solicitor and his brother is an immigraiton barrister. They just pointed me in the right direction and said to check examples and templates on ML website and google what the law says. Hence I am on here. For example I have seen this 


https://www.financial-ombudsman.org.uk/consumers/complaints-can-help/credit-borrowing-money/car-finance 

>>  IF A CAR OR CAR FINANCE AGREEMENT WAS MIS-SOLD OR MISDESCRIBED

If you feel that you’ve been misled about a key feature of the car or the finance agreement, we’ll look at things like:

• what you say happened and what the dealer/broker says happened

• any information you were given about the car before you bought it including invoices, brochures, manuals, adverts, the car service and MOT inspection history

• relevant documents like the finance agreement and pre-contract information

• supporting evidence such as correspondence showing anything that may have been said leading up to and shortly after any agreement was entered into, for example, emails and text messages

If you bring a complaint like this to us, it’s helpful if you can provide us with any evidence like this that you may have. But don’t worry if you don’t have all of this information – we can still look at your complaint.
If we think something was said that wasn’t correct, or that you were misled into taking out the finance agreement or getting the car, we’ll think about the impact this has had on you and what you might have done differently.  

Lastly I am a very open minded person, and like to discuss issues constructively and positively. Talking to everyone here has helped me, recall issues ( which I have penned down ) and dive deeper into what happened. 

Most importantly, ensure that I present my argument properly, as its been difficult repeating myself over and over to clarify myself. So everyone has been helpful. But what I feel is STRONGLY LACKING is that no one seems to know the law or have prior examples on here. As I was expecting one or two comments or advice on how to present my case

"lol" all you like, but seeking an opinion from a qualified family member on a legal matter is perfectly ethical, as is asking a doctor in the family what off-the-shelf medication they'd recommend for a headache, or what sort of medical specialist they might consult for a condition. It's got nothing to do with professional work ethics.  Your cousin isn't going to be on any dubious ethical grounds if they offer an opinion or help you draft a letter to the FOS.  If they don't have the legal knowledge to do so then that's fair enough, but it was you who brought them into the conversation to support your case.

As for the latter comment, that was precisely my point.  You haven't got what you were looking for, after five pages of discussion.  From what I can see, that's partly because people have struggled to comprehend the exact sequence of events and where liability resides, and when someone has summarised the situation as best they can, based on your own account, you reply with "no, no, no" and go on to tell them they're wrong. 

That suggests it's time you sought proper legal advice, whether from a cousin or from a paid-for solicitor.  The value of your claim makes it a viable option because if you get this wrong, you could end up with nothing.

redped

Ehi said:

I dont think my case is complex whatsoever or difficult to understand.

Going by the number of people (myself included) who have had trouble trying to follow what you've been saying, then unfortunately your case IS difficult to understand.  Without sounding like a teacher marking an essay, your posts have too much irrelevant info in places, not enough relevant info in other places, and both the structure & strange punctuation of some of your sentences have made it difficult to follow your story.

I wish you well in getting some sort of resolution - I suspect you may have some sort of case to argue, but that it's neither as complete nor as strong as both you and your solicitor cousin have made out.

Olinda99

whatever the rights and wrongs of the situation, the OP clearly has been into a dealership and come away with completely the wrong impression about what they have agreed to. 

this should not happen and it particular it should not happen when finance is involved

they went into the dealer with the objective of ordering a new car under finance and came away with a second-hand car under a different finance agreement but with the impression that this was some kind of temporary purchase whilst the car on order was being manufactured

they then discover that not only is there no new car on order but they are stuck with this second hand one