I want to take legal action — PCP Finance

[mmm-five]

funkyrobot said:

Life of luxury. I made do with a bicycle (and no, it didn't have any carbon fibre bits on it).

I/my parents couldn't even afford for me to be a student, and had to go out and get a job!

When I did eventually realise the need for a car, the cost of insurance meant I was stuck with a £600, 1L, fading yellow Metro.

[JonChalk]

funkyrobot said:

Helicopter123 said:

hornetrider said:

P4D said:

At this point i'll be out of pocket by about £4000. Being a student, this isn't an option for me i'm afraid.

I hate to be that guy - but my mind boggles. You're a student but running round in a PCP'd brand new Abarth at over 200pcm? And yet you can't afford to simply sell it because you're in over your head with the finance?

When I was a student I had a £1500 Metro. There's no PCP on those.

Typical bourgeoise student - I made do with a £600 Fiesta.

Life of luxury. I made do with a bicycle (and no, it didn't have any carbon fibre bits on it).

Ha! Middle-class pansies ;-) Foot (or God forbid, rail) everywhere for 4 years.

[dudleybloke]

JonChalk said:

funkyrobot said:

Helicopter123 said:

hornetrider said:

P4D said:

At this point i'll be out of pocket by about £4000. Being a student, this isn't an option for me i'm afraid.

I hate to be that guy - but my mind boggles. You're a student but running round in a PCP'd brand new Abarth at over 200pcm? And yet you can't afford to simply sell it because you're in over your head with the finance?

When I was a student I had a £1500 Metro. There's no PCP on those.

Typical bourgeoise student - I made do with a £600 Fiesta.

Life of luxury. I made do with a bicycle (and no, it didn't have any carbon fibre bits on it).

Ha! Middle-class pansies ;-) Foot (or God forbid, rail) everywhere for 4 years.

Luxury... We used to have to crawl on our faces using only our eyelids to drag us up the cold, cobbled street.

[andy_s]

dudleybloke said:

JonChalk said:

funkyrobot said:

Helicopter123 said:

hornetrider said:

P4D said:

At this point i'll be out of pocket by about £4000. Being a student, this isn't an option for me i'm afraid.

I hate to be that guy - but my mind boggles. You're a student but running round in a PCP'd brand new Abarth at over 200pcm? And yet you can't afford to simply sell it because you're in over your head with the finance?

When I was a student I had a £1500 Metro. There's no PCP on those.

Typical bourgeoise student - I made do with a £600 Fiesta.

Life of luxury. I made do with a bicycle (and no, it didn't have any carbon fibre bits on it).

Ha! Middle-class pansies ;-) Foot (or God forbid, rail) everywhere for 4 years.

Luxury... We used to have to crawl on our faces using only our eyelids to drag us up the cold, cobbled street.

You lucky bd...

[funkyrobot]

andy_s said:

dudleybloke said:

JonChalk said:

funkyrobot said:

Helicopter123 said:

hornetrider said:

P4D said:

At this point i'll be out of pocket by about £4000. Being a student, this isn't an option for me i'm afraid.

I hate to be that guy - but my mind boggles. You're a student but running round in a PCP'd brand new Abarth at over 200pcm? And yet you can't afford to simply sell it because you're in over your head with the finance?

When I was a student I had a £1500 Metro. There's no PCP on those.

Typical bourgeoise student - I made do with a £600 Fiesta.

Life of luxury. I made do with a bicycle (and no, it didn't have any carbon fibre bits on it).

Ha! Middle-class pansies ;-) Foot (or God forbid, rail) everywhere for 4 years.

Luxury... We used to have to crawl on our faces using only our eyelids to drag us up the cold, cobbled street.

You lucky bd...

Indeed.

When I was young, we hadn't developed eyelids. We used to splash water in our eyes to clean them.

Getting to the water hole involved eating a lot of greenery (had loads as we lived in a field), then using wind power to move around.

[P4D]

Helicopter123 said:

Typical bourgeoise student - I made do with a £600 Fiesta.

I had a £500 Corsa for my first car. Sorry for wanting to treat myself.

[P4D]

Granfondo said:

Think we might have got to the bottom of the problem!

Sick to death of them now. It's just been in for 3 hours for the top mount replaced as they believed this was the cause of the grinding/squeak. Got my car back and its still making the noise & pulling to the left now. So that's 3 hours of my time, petrol and milage wasted.

[P4D]

Barkychoc said:

If you get really sick to the back teeth of it it might be worth talking to the finance company?
They may be receptive to changing to something else if you are prepared to be flexible - like being prepared to take something else they have kicking around. You can I think get all high and mighty with the finance company - keeping it civil may work better initially at least.

I'll give them a call and see what they can do. Cheers.

[funkyrobot]

P4D said:

Granfondo said:

Think we might have got to the bottom of the problem!

Sick to death of them now. It's just been in for 3 hours for the top mount replaced as they believed this was the cause of the grinding/squeak. Got my car back and its still making the noise & pulling to the left now. So that's 3 hours of my time, petrol and milage wasted.

Jesus titty bloomin Christ. Get onto the Fiat/Abarth UK office and give them some stick. Don't know where escalation within AC will get you. Do they have a hq you can kick off too?

I'd probably be getting some free legal advice if I were you. Sounds like a right joke.

Also consider your finance company, as mentioned above.

[P4D]

funkyrobot said:

Jesus titty bloomin Christ. Get onto the Fiat/Abarth UK office and give them some stick. Don't know where escalation within AC will get you. Do they have a hq you can kick off too?

I'd probably be getting some free legal advice if I were you. Sounds like a right joke.

Also consider your finance company, as mentioned above.

I've already been in touch twice with Arnold Clark head office, they simply ring my branch and get the manager to phone me. Pointless cycle.

Abarth supposedly have a case open, yet to hear back from them.

I think it's time to ring my finance company up.

[Alucidnation]

P4D said:

Abarth supposedly have a case open, yet to hear back from them.

I think it's time to ring my finance company up.

It's been approx 2 days and you are expecting a decision to have been made already?

I rejected a vehicle after several visits to my dealer with major component failures and it took nearly 4 months for it to be sorted.

[P4D]

Alucidnation said:

It's been approx 2 days and you are expecting a decision to have been made already?

I rejected a vehicle after several visits to my dealer with major component failures and it took nearly 4 months for it to be sorted.

Not at all. I'm just sick of being promised calls back etc and the promise not being fulfilled.

[Meoricin]

P4D said:

Helicopter123 said:

Typical bourgeoise student - I made do with a £600 Fiesta.

I had a £500 Corsa for my first car. Sorry for wanting to treat myself.

You're a student - you can treat yourself when you can afford to. Just because someone lets you get something nice on finance doesn't mean you're entitled to it, or it's a good idea.

[P4D]

Meoricin said:

You're a student - you can treat yourself when you can afford to. Just because someone lets you get something nice on finance doesn't mean you're entitled to it, or it's a good idea.

hahahaha are you being serious? Take it you buy everything out right including your house? Idiot.

[Barchettaman]

P4D said:

Meoricin said:

You're a student - you can treat yourself when you can afford to. Just because someone lets you get something nice on finance doesn't mean you're entitled to it, or it's a good idea.

hahahaha are you being serious? Take it you buy everything out right including your house? Idiot.

It sounded like quite a sensible thing to say, really. I can't understand why you would call him an idiot, plus taking out finance on a likely appreciating asset like a house seems a bit more sensible than financing a Fiat, which is probably a bit less likely to go up in value.

Anyway. Best of luck OP getting the niggles sorted out.

[IJB1959]

P4D said:

hahahaha are you being serious? Take it you buy everything out right including your house? Idiot.

I had a similar situation with a new car a few years ago. Took the dealer to County Court and won. Got full refund of all monies paid, and £4200.00 in additional compensation and costs. The District Judge ruled that the car 'was not fit for purpose'. If you decide to take this route make sure you record EVERYTHING....mileage and time to and from dealer, all conversations, correspondence, and a written AA/RAC evaluation on all repair work carried out. It was a very stressful and time consuming thing to do, but when you are just being taken for a fool with no resolve and paying for the privilege, then you need to get the sledgehammer out so to speak.

[MTech535]

P4D said:

hahahaha are you being serious? Take it you buy everything out right including your house? Idiot.

Ironic that you keep calling people idiots, considering your current situation.

[Alucidnation]

[P4D]

MTech535 said:

Ironic that you keep calling people idiots, considering your current situation.

How does my current situation make me an idiot whatsoever? Not exactly my fault my cars in this condition is it?

[P4D]

Barchettaman said:

It sounded like quite a sensible thing to say, really. I can't understand why you would call him an idiot, plus taking out finance on a likely appreciating asset like a house seems a bit more sensible than financing a Fiat, which is probably a bit less likely to go up in value.

Anyway. Best of luck OP getting the niggles sorted out.

Regardless, what I spend my money on has nothing to do with anyone on this forum!