this post was submitted on 27 Apr 2025
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As the title says I’m looking for advice from people that have legal experience.

I bought a used car in November 2023 and from the start it had issues. Come February 2024 I can’t drive it anymore as I’m putting coolant in several times in a journey and after a couple of repairs it’s determined it needs a new head gasket. They refuse to pay for it at the finance company so I go to the Financial Ombudsman Service.

The FOS rules in my favour and orders them to refund and compensate me and remove the car from my drive.

I’ve had my refund but the car is still on my drive 4 weeks later and the finance company says they’re chasing Zuto to remove the vehicle.

Last week I sent a letter stating if not removed but X date then the rate would be £20 a day for storage. They didn’t respond.

I called again and told them I need this sorting as I will move the car to the street where it will likely be towed for no tax or insurance, but I don’t believe I am legally allowed to do this.

My question is what are my options, and will I be able to get the storage fee of £20 a day from them.

Thanks.

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[–] ohulancutash@feddit.uk 1 points 5 hours ago

Do not leave the car in a street. The council will find you and fine you.

[–] BenM2023@lemmy.world 16 points 12 hours ago (1 children)

IANAL however.... Your daily storage rate is way too low. It will cost you more to get what they owe you than you will get out of them.

Send them a letter changing the rate to £250 a day and stating payment terms of 30 days.

You have to be (legally) reasonable, so give them 14 or 28 days to get something sorted, after which the new rate will apply.

You should send them (snail mail and email) invoices every week reminding them of their ongoing commitment to paying you.

They may not pay you, in which case you have to go through small claims (Google it) or sue them to get the money they agreed to pay you (by not removing the vehicle after you gave them a reasonable time to comply) the former costs you time and effort the latter cost time effort and money.

In my experience, once invoices for significant sums start adding up to being a PITA for them, things will happen. Once the car is gone you have to decide if it is worth your time and effort to chase down the invoices. Hint - it probably isn't.

I got rid of incompetent bailiff companies this way (they kept buying a debt that someone had taken out using my address as theirs and the original loan company didn't check)

tl;dr - you have to make it worth their while to make you go away whilst being cool, collected and, above all, reasonable.

Thanks for this.

I will get a new email and letter with the new rates.

I am aware that I probably won’t get any money out of them, but I am willing to spend the time fighting for it as I am bitter about the whole ordeal I’ve had and the lack of care for my situation and taking a train to work for over a year, which made my commute close to 3 hours each way.

[–] Jimmycakes@lemmy.world 9 points 12 hours ago (1 children)

Not the UK not a lawyer. Just post it on Facebook for free, be gone in under an hour

[–] dependencyinjection@discuss.tchncs.de 2 points 11 hours ago (1 children)

You wanna post it for me 😂.

[–] towerful@programming.dev 1 points 7 hours ago

I'd be careful with that if you don't properly notify them first.
They might decide to make your life hell by demanding the car back after you've given it away.

[–] my_hat_stinks@programming.dev 5 points 11 hours ago* (last edited 11 hours ago)

From your description it sounds like they haven't complied with a legally binding ombudsman decision. The ombudsman is the last stop before legal action, you should get in touch with a real solicitor rather than ask for anonymous advice online.

An N322A form might be what you need to enforce the decision, but if I were you I'd check with Citizens Advice or a lawyer first.