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Advice needed please. 20:58 - Jun 20 with 4317 viewsSnipper

I bought a brand new car from Ford in April 2019 on PCP. The three year deal ran out on May 6th this year.

I was receiving letters from Ford Credit about 3 months before the finish date offering me options for paying the balloon payment, giving the car back or get a new car.
I decided to get a new car, but I was told that it wouldn’t be ready at the end of the 3 years, and it would probably be October this year.

In March this year, I went to Ford in Cowley (where I got the car from) to sort everything out. I agreed what car I’d be getting when it was ready.
They said I’d need to refinance the car I’ve got for another 6 months though.
I signed the paperwork on it, and all was good.

Anyway, I started getting letters from Ford Credit when May 6th came telling me the balance payment was due.
I phoned them and said I’d refinanced the car for another 6 months while waiting for a new car.
Over the last 6 weeks, I’ve received another few letters saying that the outstanding payment is due. I’ve also received phone calls.
I spoke to a lovely girl from Ford Credit last Thursday, and I explained what was going on.
She was very apologetic, and assured me that she’d put a note on my file to not be contacted again regarding the payment.

On Saturday, I received a threatening letter from Ford Credit saying that the payment is due, and I’ve now been put on a credit list, and that bailiffs could visit my house.

I then received another phone call this morning being reminded of the outstanding payment.

I totally lost it with them. I told them that they can fúck their new car, and that I’d pay up in full.
I contacted Ford in Cowley and vented my anger on them as well. I told them to stuff their new car, and said I wanted the £1k I’d put down as a deposit.

I’ve been put on a credit black list through no fault of my own.
All the calls I’ve had from them, or to them have been recorded from their end.

I’m asking you good people what recourse I have to get this credit black list thing sorted.

They’ve both caused me massive anxiety and probably high blood pressure with their shenanigans.

Would I be entitled to go for compensation for all the shÄ«t they’ve caused?
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Advice needed please. on 21:10 - Jun 20 with 4255 viewsDavieQPR

Write to one of the newspapers. Someone like Tony Hetherington at the Mail. Seems just their cup of tea.
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Advice needed please. on 22:04 - Jun 20 with 4103 viewsLblock

First bit of advice from me is don’t buy a car when you’re on drugs

On the distress I’d doubt you’d get anywhere and it’d certainly take a while.
These days you’re only hope seems to be to have 100,000 followers on Twitter and then you’ll get somewhere if they fear damage to the brand.

Good luck fella

Cherish and enjoy life.... this ain't no dress rehearsal

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Advice needed please. on 22:50 - Jun 20 with 4020 viewsstowmarketrange

Advice needed please. on 21:10 - Jun 20 by DavieQPR

Write to one of the newspapers. Someone like Tony Hetherington at the Mail. Seems just their cup of tea.


Or the bbc ripoff Britain team.They seem to get results when companies dig their heels in.You’d have to talk to either Angela Rippon,Gloria Honeyford or Julia Somerville though.
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Advice needed please. on 22:56 - Jun 20 with 4001 viewsDWQPR

If Ford are in the process of rectifying their error it can take a month to six weeks for this to be reflected with the credit agencies. I would check your credit score to see where you actually are. With regards to the disposal of your car at the end of the PCP arrangement if you are under the mileage that was agreed then you should look to negotiate for the additional equity within the car as they would otherwise charge you per mile if you had just given the car back. Also it’s always worth checking the value against what webuyanycar.com would give you before deciding to just give the car in especially at this time with the high price of second hand cars.

Poll: Where will Clive put QPR in his new season preview

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Advice needed please. on 00:07 - Jun 21 with 3890 viewsBoston

Just get rid of the car and travel by train...you'll find it faster and less stressful, unless you've got tunnel vision!

Poll: Thank God The Seaons Over.

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Advice needed please. on 08:11 - Jun 21 with 3702 viewshubble

Advice needed please. on 00:07 - Jun 21 by Boston

Just get rid of the car and travel by train...you'll find it faster and less stressful, unless you've got tunnel vision!


You knew about this, right Bozzie? https://www.bbc.co.uk/news/live/uk-61827345
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Advice needed please. on 10:10 - Jun 21 with 3563 viewselnombre

Advice needed please. on 22:50 - Jun 20 by stowmarketrange

Or the bbc ripoff Britain team.They seem to get results when companies dig their heels in.You’d have to talk to either Angela Rippon,Gloria Honeyford or Julia Somerville though.


The correct answer is: snog Somerville, marry Rippon, avoid Hunniford.
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Advice needed please. on 11:11 - Jun 21 with 3457 viewsSydneyRs

Don't know how it works there, but here you can go to the financial ombudsman who can force lenders to change their credit reporting if there is evidence, as there would be in your case, that errors were made.
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Advice needed please. on 12:50 - Jun 21 with 3317 viewsBoston

Advice needed please. on 08:11 - Jun 21 by hubble

You knew about this, right Bozzie? https://www.bbc.co.uk/news/live/uk-61827345


Yeah, just thought it amusing that a train driver would be asking for advice on his car the day before a rail strike.

Poll: Thank God The Seaons Over.

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Advice needed please. on 16:22 - Jun 21 with 3144 viewsBenny_the_Ball

Sorry to hear that you're going through this debacle. It can be mind numbingly frustrating when companies simply can't or won't get a grip of simple matters.

On a general note, I've seen lot of examples where folk are taken through the mill because they don't put things in writing. I understand that you've spoken a few times on the telephone but unless you can get copies of their recordings or you've recorded the calls, then this is largely meaningless. I always urge folk to handle such official matters in writing, preferably from your email. That way you have a chronology of events and evidence that you've done everything reasonably possible to obtain a resolution. This evidence will come in useful if the matter has to be escalated to a third party.

In terms of dealing with the issue, the first port of call is to get a credit report to check whether you have indeed received a black mark. Often companies threaten this but don't carry it through. Don't just take Ford Credit's word for it, there are lots of free credit reports available online.

Next, write an email to Ford and/or Ford Credit. If you are to take the matter further (whether that be Ombudsman, FCA, legal recourse, negating bailiff action, etc.) you have to first demonstrate that you gave Ford a sporting chance to resolve the issue. I find the following website invaluable for dealing with such matters:

https://www.ceoemail.com

This site is a directory of C' level contact information. It was created by an individual who, like you, was tired of being mistreated by incompetent corporations so he dedicated himself to compiling this directory to help Joe Public fight back. Note that you're limited to a handful of searches per day so plan your search in advance. In your case the email address, telephone number, and LinkedIn page for the Ford UK MD is listed. I've resolved so many problems through by-passing Customer Service and going straight to the CEO team. Once you've submitted your complaint in writing, Ford are duty bound to respond and resolve within a set timeframe. If they don't you have every right to escalate your complaint and will have a greater chance of receiving a verdict in your favour.

Avoid any requests to write to them via their online contact page as the information is stored on their servers and you will have no record of contact. Write from your email account so you have a record. Be clear, succinct and polite about what the problem is and what resolution you seek. Include any supporting evidence (such as the refinance agreement, deposit paid and evidence of credit black mark) to bolster your case.

In addition, a few tweets can focus minds as they have a brand to protect. Ford Credit can be found on Twitter here:
https://twitter.com/FordCredit

Finally, if Ford Credit don't come through then consider handing the car back or selling to a third party and settling the balance (having first checked for equity). Keeping the car and paying up in full may be the convenient option but it doesn't really teach Ford a lesson. Personally I'd look to hand the car back and take a new deal out with an alternative manufacturer, but that's just me.

Above all, stay calm and don't let it cause you great anxiety. That's QPR's job!
[Post edited 21 Jun 2022 16:44]
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Advice needed please. on 16:31 - Jun 21 with 3115 viewsMick_S

I’ve read and had the best ever, succinct advice on this board. Great stuff.

Did I ever mention that I was in Minder?

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Advice needed please. on 17:35 - Jun 21 with 3044 viewsrrrspricey

Just collected a new car yesterday on PCP mate.

In the paperwork that came with it was a leaflet on the motor ombudsman, maybe worth seeing if there's anything they can do.

https://www.themotorombudsman.org/
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Advice needed please. on 20:27 - Jun 21 with 2899 viewsgolborne

Advice needed please. on 22:56 - Jun 20 by DWQPR

If Ford are in the process of rectifying their error it can take a month to six weeks for this to be reflected with the credit agencies. I would check your credit score to see where you actually are. With regards to the disposal of your car at the end of the PCP arrangement if you are under the mileage that was agreed then you should look to negotiate for the additional equity within the car as they would otherwise charge you per mile if you had just given the car back. Also it’s always worth checking the value against what webuyanycar.com would give you before deciding to just give the car in especially at this time with the high price of second hand cars.


Don’t just give it back. Recently just went again with Ford on a new car on a similar deal and the trade in was £4k higher than my initial agreement with them, so even though the exact replacement had a book price £8k higher than the original 3 years ago, I got a brand new car for an extra £2 a month.
Don’t panic, I’m sure you’ll get it sorted, even if it’s a pain in the jacksy
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Advice needed please. on 22:25 - Jun 21 with 2752 viewsdigswellhoop

citizens advice ist stop
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Advice needed please. on 22:26 - Jun 21 with 2750 viewsdigswellhoop

citizens advice 1st call
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Advice needed please. on 22:37 - Jun 21 with 2730 viewsdigswellhoop

never had that with vauxhall let you know in 2 months with seat they were offering deals after year 2
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Advice needed please. on 14:13 - Jun 22 with 2501 viewsPinnerPaul

Another Ford story for you.

Sister in law has a Ford, just over 3 years old, but less than 30,000 miles on the clock.

My son is a trained mechanic and listened to the horrible noise it was making and diagnosed a serious gear box problem that would need a specialist company to fix.

Bearing in mind the age of the car she went to Ford to see what they had to say.

To look at it, without removing the gearbox = £150.

They agreed with my son but wanted another £650 to take out the gearbox to be sure.

IF as they and we suspected it was a serious issue they want just over another £3,000 to fix it.

They said she "may get some/all the money back - depended on customer services"

Customer services said they couldn't say until the work was done - if it was driver related fault, they would pay nothing, if not then they would 'probably' be able to do something.

Happy to proceed? erm no she wasn't.

Bitten the bullet got a local garage to do it (still has to be sent to a gear box specialist) - all in price........ £900.
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Advice needed please. on 16:09 - Jun 22 with 2414 viewsToast_R

Advice needed please. on 14:13 - Jun 22 by PinnerPaul

Another Ford story for you.

Sister in law has a Ford, just over 3 years old, but less than 30,000 miles on the clock.

My son is a trained mechanic and listened to the horrible noise it was making and diagnosed a serious gear box problem that would need a specialist company to fix.

Bearing in mind the age of the car she went to Ford to see what they had to say.

To look at it, without removing the gearbox = £150.

They agreed with my son but wanted another £650 to take out the gearbox to be sure.

IF as they and we suspected it was a serious issue they want just over another £3,000 to fix it.

They said she "may get some/all the money back - depended on customer services"

Customer services said they couldn't say until the work was done - if it was driver related fault, they would pay nothing, if not then they would 'probably' be able to do something.

Happy to proceed? erm no she wasn't.

Bitten the bullet got a local garage to do it (still has to be sent to a gear box specialist) - all in price........ £900.


It wasn't the dreaded Ford Power shift Gearbox was it?
Notorious for f*cking up
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Advice needed please. on 16:16 - Jun 22 with 2405 viewsNed_Kennedys

It is the Ford dealer who have to instigate the extension to the finance agreement beyond when the final payment was due: sounds like they didn’t do this. New car lead times are very long at the moment so your situation will be very common.
I would send a complaint email to Ford Head Office Customers Services demanding an explanation: they will want to know why the dealer and the finance company have screwed up.
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Advice needed please. on 20:42 - Jun 22 with 2290 viewsSnipper

I took the good advice of Benny the Ball by writing an email to the Managing Director of Ford UK.

I wrote an email to the MD of Ford explaining everything.
Within 2 hours I was emailed by somebody from Ford Credit in reply to the email I sent.

They said that if there is anything on my credit file regarding late payments, then it would be removed immediately.

They said that there will be an investigation into my claims, and they were very sorry.

This message board is absolutely amazing for receiving advice.

Many thanks to you all for your input.
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Advice needed please. on 22:14 - Jun 22 with 2208 viewsA40Bosh

Advice needed please. on 20:42 - Jun 22 by Snipper

I took the good advice of Benny the Ball by writing an email to the Managing Director of Ford UK.

I wrote an email to the MD of Ford explaining everything.
Within 2 hours I was emailed by somebody from Ford Credit in reply to the email I sent.

They said that if there is anything on my credit file regarding late payments, then it would be removed immediately.

They said that there will be an investigation into my claims, and they were very sorry.

This message board is absolutely amazing for receiving advice.

Many thanks to you all for your input.


Glad that worked out well so far for you Snipper.

Reading this I was going to suggest that you see if there are any Google Reviews for the Ford Cowley Garage, which is likely a franchise business and go on there and add a review that absolutely trashes the whole set up there and how you were treated.

I guarantee you the dealer will contact you proper quick to ask how he can put things right in order for you to take down your review.

I was so furious with Ruislip Honda on being conned out of my end of PCP equity in the car that I went on to Google reviews to warn people of the sales people and the bare faced conning of clients. Within 2 hours I got a call from the owner of the franchise asking how he could make things right. A further two hours later I got a call back to say that there had been a mistake in the valuation and suddenly I did not have a shortfall but actually had 2K equity in my CRV.

Poll: With no leg room, knees killing me, do I just go now or stay for the 2nd half o?

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Advice needed please. on 16:41 - Jun 23 with 1995 viewsPinnerPaul

Thanks all, I will get my sister in law to make a bit more of a fuss.
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Advice needed please. on 18:34 - Jun 23 with 1912 viewsBenny_the_Ball

Advice needed please. on 20:27 - Jun 21 by golborne

Don’t just give it back. Recently just went again with Ford on a new car on a similar deal and the trade in was £4k higher than my initial agreement with them, so even though the exact replacement had a book price £8k higher than the original 3 years ago, I got a brand new car for an extra £2 a month.
Don’t panic, I’m sure you’ll get it sorted, even if it’s a pain in the jacksy


That's sound advice as second-hand car values have been rising. With everything being equal, current trade-in values are bound to be higher than the figure agreed at the outset of the agreement.

My aunt bought a second-hand car for £3,000 in 2020. It was recently written off and she received a settlement for £5,700. The second-hand car market is bonkers at the moment.
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Advice needed please. on 18:41 - Jun 23 with 1908 viewsBenny_the_Ball

Advice needed please. on 20:42 - Jun 22 by Snipper

I took the good advice of Benny the Ball by writing an email to the Managing Director of Ford UK.

I wrote an email to the MD of Ford explaining everything.
Within 2 hours I was emailed by somebody from Ford Credit in reply to the email I sent.

They said that if there is anything on my credit file regarding late payments, then it would be removed immediately.

They said that there will be an investigation into my claims, and they were very sorry.

This message board is absolutely amazing for receiving advice.

Many thanks to you all for your input.


Some great advice on here from the LFW family.

Happy you're getting somewhere Snipper. Now you have their attention, hang on to it until the matter is resolved.

Good luck!
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Advice needed please. on 20:30 - Jun 23 with 1815 viewsLimehouseR

I was literally just pondering my dilemma with my car earlier and similar to the original post I have had a pretty bad experience with the actual dealership. For example trying to tell me the clutch was knackered on the second service (when a trusted independent mechanic who did the MOT said it is absolutely fine).

I have a 68 plate VW Golf currently on PCP without 5 months to go on payments (Roughly £1150) and a final payment of £8000. It has done roughly 25,000 miles which is well within the agreed 10,000 per year.
We buy any car have valued it at £12,328 (I included the very minor dent/scratch that runs along the passenger side rear door and wheel arch)

So as I see it if I pay up the final months and final payment and sell it to we buy any car I would be about £3000 better off than just handing it back to VW.

Is this potentially the best thing to do? Or am I missing something here? My current situation with work/life means since March I have probably only driven my car 5-10 times so I currently really don't need one...
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