I will watch this with interest.

Cheers. I will see if I can upload it I'm not much good at stuff like that. If I can't will the details do?

Hi Guys. A quick question. Got my son a car through moneybarn in June 2015. He has made 10 payments of 248, all on time so no problems there. He phoned for a settlement figure and they have quoted him only 100 quid less than he borrowed. Seems high even for sub prime that in 2480 worth of payments he owes that much. Is this right?

Just thought I would add a bit to the argument. I had the same email as above, but they do not have my address, and no phone number. I had fraud committed in my name by my ex tenant. 5 Payday loans were put into a dormant account I had which my tenant at the time somehow resurrected, The police dealt with 3 but 2 of them QQ and Uncle *uck would not go through the process and ignored my pleas. Motormouth contacted me, well after it was all sorted asking for money, that was 2 years ago. After tons of prove it emails back and forth, and even giving them the crime reference number i had, it went quiet. Now they have started again. Thanks to this site I love it as I know how to handle them. In all honestly Im glad they are back in my life lol,, as after sorting all my mess out last year, I was missing the arguments a bit.

Hi All, Sorry not been on, just been really busy trying to relocate from Scotland back to good old England side of the border. Firstly, I noticed Binouille commented earlier on, sorry I missed it. How are you doing. Ok where I am at the moment is good news. Since my car went back, it was sold at auction in Leeds, and I have heard nothing since. I have an email to say it is all credited and closed as per the account, and my credit file also says it is satisfied. I personally think Advantage knew they were onto a loser. RCT, Where are you up to with Advantage? Earlier on when Binouille gave some advice, I can categorically say they can give good advice in certain areas if possible, but there company does deal in Bills of Sale as well. I know who it is, and wont say here, but they are in a position to help as much as you need, and I can say, in a company full of idiots, Binouille is the only nice, caring and considerate one in the whole company from my experiences.

Hang on, after reading Dbabylon posts again, your confused. I have not been to court yet.

Hi Guys, I did reject it within 6 months, but I did it on the phone (my brain didnt work at the time id just relocated). They did however, in writing, confirm the phone call had been recorded, so there is proof if I apply for it. I have not replied here as Ive been talking to Advantage. They have after all this, agreed in writing, to recover the car and write the account off. They say as a good will gesture, but me thinks they know the score, as it was too easy. I do however, have a £700 problem, cos thats what I spent in October 2011 getting all the braking system, and steering overhauled, im not losing that. The repairs did not have much effect because of the bodywork underneath. Had it up on a lift in a local garage today, the mechanic had a gauge, to measure the bodywork. It is out, not by much, but enough. He says Its about £800 to rejig the car. Ill only accept Advantages offer if I get my refund so I will let you know what happens. Dbabylon. No probs, but I wont ask for money back as I would have no chance them agreeing without a court, however, Im not fussed, I'd go court if I have to and Advantage know this, but what they have offered now will work better for me, If I get my repair costs back. RCT, tried Keith Charlton, ended up being a you know what, totally changed his attitude.

Forgot to say, the Inspector who looked at the car, is willing to also look at the car again for a report of my own. I will pay him, but Advantage will have to pay to get him as a witness in court, so when he is there in front of the judge, I also have my own report off him, cool eh, less cost for me. I am speaking to him tomorrow again. He has already said he can do it. I thought I would need an independant inspector from him, but he said there will be no conflict of interest. In Dis Advantages arrogance, they have ignored even some info he told them on the phone.

I stopped last year first, and after 7 months needed the car on the road, and after trying to do repairs myself, they had no effect due to the damaged undercarriage, so I have stopped payments again. Advantage have just offered to wipe the arrears and charges, if I start full payment again from Feb 2012, I said no. End of it all, in court, maybe the Inspector cannot say the normal repairs were evident at point of sale (even though I reported them to DisAdvantage), but he will say the undercarriage damage is aged and was. The repirs cannot be effective until that is fixed. Advantage can run and jump if they think Im caving in this time. Even when stating the obvious to them, they try and ignore the problems and mince their words.

Cheers RCT. I did get the mashed bodywork spotted within the first 6 months, and pointed out to Advanyage that the work that needed doing when I got the car had also not been done properly, but Advantage decided to not listen at the time. At that point I also had their MOT insurance which was useless, and was also complaining about that as it was missold. The problem with the MOT Insurance took front seat for a while because I had to wrangle with them to get rid of it, then I got a mechanic to look at the car in full for the problems. His take is he could see the problems were there, and any trained eye can see the car is made up of ill fitting panels, then resprayed to hide the fact. Advantage refused to contact the mechanic, and continued to protest their innocence. While this was going on, I got info on the 2 dealers involved in the sale from Bolton TS, through the Freedom of Information Act, I got a statement off the previous owner, who only had the cat 10 months, and reported the same problems, and stopped paying. I made a deal, which I suggested to Advantage, that If they went half on the repairs needed, I will get it done, and they agreed to put £500 in. To settle it, I accepted, and got steering rack, brakes, discs, brake calipers, and steering column replaced, over £1400 worth of work, and it made the car worse. The reason the car was worse, is because the old steering rack was fitted in rethreaded holes, with the wrong bolts, on a mangled undercarriage. It will not sit straight. Because of the crash damage, the bodywork will need rejigging, the Inspector pointed this out to me, that is how I know. It is not however in his report, as he can not tell that by the naked eye, he stated that is why the car probably does not steer in a straight line, you have to fight it. m now looking into a report of my own, with an Independant Inspection.

Oh forgot to mention, the only reason the Inspector said he will not stand in court and say the car needed repairs at point of sale, is that he cannot as I have had the car for 2 years. However, Advantage had the opportunity in 2010 when I had only had the car 4 months to Inspect it and they did not, funny seeing as it is them who booked the Inspection in November. I had a mechanic say exact the same thing as the Inspector back in Feb 2011, but Advantage dismissed it and refused to contact him.

Hi dx, Im will do dont worry, thanks. Also, if I go to court, Im also hoping for al my payments back plus the costs what Ive wasted doing the repairs Advantage should have done.

Hi RCT40, Sorry only just logged in after christmas and an exchange of views with Advantage so seeing as you ask, I got some info for you lol. Here goes. The Inspection was done on the car, and good news for me was there are multiple problems, not least the undercarriage of the car. The car when in a smash had the undercarriage bent out of shape, though whoever owned it had done what they could to fix the car up looking good to the naked eye. The Inspector took loads of pics of the car, showing the creased undercarriage, the ill fitting panels of bodywork, and even little cut cable ties he called "sinister". Advantage have tried to pretend they have not had the report back, but I know different, as I phoned the Inspector who quite freely gave me as much info as I wanted. He said I was a stand up guy when he met me, and he felt sorry for my position. Advantage asked him if he would swear in a court of law that the repairs I said needed doing were there at the point of sale, and he said no, so Advantage thought at that point they had me by the short and curlies. But....... the Inspector did say he would swear in a court of law the undercarriage damage was there when I bought the car, so were other anomolies he found only a trained eye would see. So, seems law may be on my side. The main repairs my car needs, is to do with the wheels, steering, exhaust and tracking. All of these repairs I did myself but, because of the way the steering rack is sitting when on the undercarriage, thay have made no difference. See, the body needs rejigging, costing quite a bit, and Advantage are obligated to do it. Then the new parts need putting on again what I have already had done, then the tracking redoing, along with new wheels, as 2 wheels are buckled, maybe on purpose I dont know. Advantage are just trying constantly to say they have not received the report. Even when I gave them the dates they received it and off who, they still deny it. No joke, but 6 weeks ago, I had a new tyre put on the passenger front side, today its a bald as Right said Fred and needs another. This has been going on since I replaced the steering rack in August. When the old rack was taken off, it was bent from impact, and bolted on with the wrong bolts, and into rethreaded holes. The new rack went on with the proper requirements, and now the wheels are under so much strain the tyres wear immediately, the tracking is non existant, and the new brake calipers I had put on along with pads and discs, are knackered one side. By the way, I guess from the title you won them, Congratulations a big well done to you.

Page? Its that Barnaby idiot isnt it, the plastic pretend director. Contacted me asking for an address and number, told him to do one. He said he was recovering paperwork from WageDay, lol, told him in no uncertain terms to learn the law if he wants to succeed in his business, cos to chase the alledged debt, he should have the paperwork already, complete idiot, Barnaburk more like.

Thanks Guys. Kurv, Lloyds TSB in their reply letter to me asking if they had withheld any agreements or statements etc from the SAR received, they wrote, All outstanding information they hold was included in the SAR. Brig, thanks will send the SAR to Robbers way today, see what they can come back with. Thanks.