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      Forum upgrade   10/12/2017

      Hi everyone, As you're probably aware, we've been in the process of upgrading the Caravan Talk forum software for a while. I can now confirm that the software has been upgraded and we're fully up to date. Please note that this new software is quite different in appearance and function, so may require a bit of relearning. We are in the process of refining the look, features and experience to make it a bit better and more familiar. If you spot any issues please let us know in the feedback forum. Unfortunately any posts between Monday morning and now have been lost. This is due to when the database snapshot was taken for the upgrade, this may also affect new members since then. We do apologise for this, but we have tried to keep disruption to a minimum. We are already aware and working on the following issues: PayPal payment issues for CT Supporters Forum design, lack of CT branding including colours Temporary loss of reviews databases Navigation bar needs refining We will keep this list up to date, so please check here before posting new updates, or to keep on tabs of our progress. The software was upgraded in order to provide you with a more secure, reliable, faster experience, whilst providing us with more tools to improve the features and options for the forum. Thank you for your continued support. Ben and the CT Team
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financialombudsman

Hook Up With The Ombudsman For All Your Financial Queries

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Hello everyone

 

My name is Caroline Wells and I am the head of outreach at the Financial Ombudsman Service - the free service set up by law that you can talk to if you're unhappy with your bank or insurance company.

 

While I can't help you decide between the dream A class or a classic airstream, I can help you with any financial questions. Whether you are concerned about caravan finance or insurance, get in touch and we should be able to point you in the right direction.

 

Every month or so I'll pop in to give you guys an update on what's going on in the world of caravan finance - and share my top tips to keep you on the road.

 

Of course we're happy to answer any financial queries you may have - they don't necessarily need to be about caravans. We'll do our best to get back to any questions we receive within 3 working days.

 

For the time being you can check out our recent articles on our Financial Ombudsman Service page.

Thanks

 

Caroline

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Hello and welcome to CT, thank you for your offer of advice.

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Caroline

 

Welcome to CaravanTalk

 

I appreciate this may or may not be your "field" but you might have some pointers.

 

From time to time, we hear about folks who buy a product and it is defective - not necessarily a caravan or motorhome. It seems there is some recourse through section 74 - ie when the item is on finance. Do you have any links/guidelines consumers could follow in this respect, should the need arise?

 

As I say, appreciate it may not be your field, but equally it might be - for example, if the consumer is not happy with the response from the finance provider???

 

Regards

 

Russell

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Hi Shazjag and Russell

 

Firstly, thank you for your warm welcome to Caravan Talk - I'm really pleased to be here!

 

Thank you for your question and the simple answer is yes, we have a lot of guidance available on using section 75 of the Consumer Credit Act 1974 (CCA) (I am assuming that this is what you meant when you referred to section 74 - if I have misunderstood this then do let me know). I have included a link below to the online resource section of our website. The guidance we offer ranges from technical notes to simple case studies of complaints we have actually dealt with in the consumer credit area.

 

http://www. financial-ombudsman. org. uk/publications/technical_notes/consumer_credit_resource. html

 

Basically, section 75 can offer your extra legal protection if the goods or services you buy on credit do not arrive or are not of the standard which you would reasonably expect. But, be aware that there are certain conditions that need to be met in order to make a claim. For example, the goods or services need to be between £100 and £30,000 and there needs to be a direct link between you as the buyer, the person or organisation supplying the goods and the credit provider. You can find a good succinct explanation of this here:

 

http://www. financial-ombudsman. org. uk/publications/ombudsman-news/102/102-section75. html

 

I hope you find this useful. If you have any other questions just let me know.

 

Thanks

Caroline

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Thanks Caroline

 

Yes I had muddled up the 1974 with the 74 and 75! The numbers are right but in the wrong place!

 

Cheers

 

Rusty

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