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Haha, apparently, so that the broker could give her a good deal (she got about £6k off RRP) she is leasing the car for one year and then its being transferred over to her name to continue the finance. I'm still not entirely sure how it all works but at least we now know what the deal is. Probably not the outcome you were expecting and neither was I to be honest.

As an update and to close this off, my wife managed to get hold of the broker and now knows the reasoning behind it all. Thanks for your help dx100uk

Fair enough. I know that she has tried to call them today, but just says its ringing out which is a great help in situations like this. Many thanks for your help

Thanks for replying dx100uk I am aware that the registered keeper might not be the owner, but at this point she seems to be neither. I suppose what I'm trying to ask is that when someone buys a new car on finance is the V5 supposed to be in the name of the broker or the person who is buying a new car? Looking at this from a DVLA perspective, if she was now to go and get a speeding ticket it would go to the broker, instead of her. From a Car Insurance perspective, who is the registered keeper? Has she bought a car or is she 'borrowing' a car? If the contract paperwork says that she is the registered keeper why has the broker not put it in her name? Is this is common practice for a broker to do? Btw, I say broker because apparently you can buy or lease any car through the company. They don't appear to have any affiliation with a particular brand. Thanks again

Hi, I'm hoping that someone might be able to help here. My wife bought a new car from a broker back in June on Hire Purchase, something we haven't done in a while. She only involved me in the purchase here and there and so I've only just stumbled upon this information, but I questioned her as to where the V5 was as we needed to apply for a Crit'Air sticker. It turns out she hadn't received one. She chased up the V5 and was told by the dealer that for the first year they are the registered keeper, but on the 1st year anniversary it will change to her. I've gone back through the paperwork she signed and it clearly states that she is the registered keeper and they are the owner until the final payment has been made - which I believe is normal. I'm a bit confused because I'm sure she should be the registered keeper as its a purchase and not lease. Is this common practice? Thanks in advance

Ok. How do I go about this? Do I email QQ with a deadline to respond? Then when/if they don't reply raise a dispute?

I was going to reply to MRS as QQ have never responded to any emails I've sent them

Thank you for all your help. I will email them again with the dmp details and sit tight. Again, thanks for your help

In the first letter they sent they said 'We have previously written to you to inform you that we, Mecantile Recovery Solutions Ltd, have purchased the above debt and as such are now the legal owners and beneficiaries of the sum outstanding'. This was the first we'd heard of them at this point, so I'm assuming that they own the debt. My anger got the better of me as I know I shouldn't be speaking with them, but just couldn't help it

Thank you for your prompt reply BM The DMP was created by myself and my wife on the advice of CCCS. They decided that we couldn't pay any money, so we've made some drastic (well they were at the time) cuts to fit into the £1 per month category I will keep all correspondence from them as I have with the other creditors and hope nothing comes of it. Should I keep sending them emails offering payment or just ignore them? Thanks again for your help

Hi All, Just had a very frustrating conversation with someone at MRS Ltd. Basically my partner took out a QQ loan back in July 2011, we ran into difficulty as I lost my job and subsequently informed them and started the DMP process for all our creditors. Anyway all but QQ replied and agreed to our offer of payment. We kept sending QQ letters/emails offering payment and was receiving no response, not even one to say they were coming after us. Eventually we stopped as they weren't bothering us. Fast forward to May 2012 and we finally received a letter from MoorGroup on behalf of QQ, we replied to them and they didn't reply. We sent one further email and still nothing, not even to chase. Fast forward to beginning of September, we received a letter from MRS Ltd explaining that they were about to start litigation. At this point they hadn't mentioned a creditor or the amount due, so we ignored them. A week later we received the same letter with a deadline on it, this time with creditor details and amount due. They are working on behalf of QQ. We sent an email detailing an I/E form with offer of payment. A week later (beginning of last week) they sent an email (they hadn't done this before we sent them one) giving us a new deadline. My wife replied asking if they received the previous email.......again nothing. On Monday this week another email giving us another new deadline.....again we replied and received no response. Today (which is not past the previous deadline) they emailed again saying 'We have taken the relevant steps to verify your current residential and employment status, and are aware of no legitimate reason as to why your account has not been paid' and they have threatened to sent a Field Collector round. Anyway at that point I started to get slightly angry and my wife informed them to call me. I decided to get there first as they were p***ing me off. After taking a while to confirm that I had authority on the account, I explained that we had sent a number of letters and emails explaining the situation and offering payment. All I got back was that the debt is 13 months old and they are going for a CCJ. I must've then hit a nerve because I repeated what I had said previously and got a different answer, this time a threat that they were going to make my wife bankrupt. At which point I again repeated myself, he then asked me if we'd made an offer of payment, I replied yes and gave him the amount. He then said 'see you in court' and put the phone down. No other words, just them 4. Sorry for the rant but they have made me quite angry about this :mad2: Not sure what my next step is apart from waiting for the paper work. Should I expect any? Are they just hot air or have they ever taken someone to court?

Ok thanks. So as far as I can tell. If the LL doesn't decide to grant compensation for the 4 months of warmish water and now a week of cold water, then you have to go to court which can be costly. Also just to add, plumber turned up today......apparently he wasn't there to fix only to make sure its broken!!!:mad2::mad2:

Good Morning All!, Basically, we've not had proper hot running water since mid December now. We've had luke warm to stone cold! Our landlord sent someone round to take a look back when it first happened in December and since then has kept to the line of 'User Error', blaiming everything from the weather outside down to us running the water too fast! We've been complaining every two weeks or so. Anyway he eventually sent someone round last Thursday to service the boiler. Man turns up and says he couldn't service the boiler as its broken and needs a repair! Anyway after he left my wife went to take a shower and now we have stone cold water. Thankfully our landlord is sending someone round today to replace the broken part, so we should be back to normal today. As you can imagine, I'm absolutely fuming! For the past 4 months we've been fobbed off with excuses. Our LL runs a plumbing firm so thought we'd know what he was talking about, hence the reason why we didn't take this further previously. There are also some bits that haven't been fixed which I'm quite annoyed about, leaking garage (said they'd fix) and burst pipe to back garden tap (said they'd fix when the weather gets better!, back in Jan) Is there anything we can do..........apart from move out. Thanks

Thanks for advice Conniff and Buzby. I'll gather all the evidence I've got of it being a injection and approach the dealer. I've got nothing to lose so might as well try