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  1. BankFodder The extra details are: How old is the vehicle? It was first registered in April 2016 How long have you had it? Since new with a full Audi dealer service history How many miles is it done? Just under 30K miles at the time it went into the Garage
  2. My wife's Audi Q3 went into the dealer (Swindon Audi) back in 17th April 2019 for it's 1st MOT and to look at an intermittent warning light for the electronic handbrake under warrantee. They called and said the car needed a new part and was not roadworthy. They arranged a replacement car. It is now October 2019 and the car is still awaiting the part (Engine Management Unit). I still have a loan car (actually it's the 3rd one) and Swindon Audi have passed the issue to Audi UK who phone weekly to esssentially say "we haven't the part and don't know when we will be able to get you the part". We have asked VW Financial Services (the car is on a 4 year PCP) for their assistance as they technically own the car but they just refer us back to the dealer. We have been paying the monthly PCP on a vehicle we can't use, along with the insurance but have been forced to SORN the car as it can't be taxed because it doesn't have an MOT. Current value of the car is already lower than the optional balloon payment after 4 years. Indicative of VW/Audi Group Dieselgate issues and the concerns over the diesel car market. What are my options? Ideally we'd like to return the car and get a refund on the payments and maybe some compensation as the loan car is too large for my wife to use in the same way as the Q3. The experience is such that we don't want the Q3 back and certainly don't want to deal with Swindon Audi. I want to understand how forceful I can be with a registered letter to the 3 parties involved. Not sure which forum this should be in.
  3. My wife recently received a PCN from a day I had her car for the day. I went into Costa at Lydiard Fields Swindon and the car was photographed on the entry and exit. The PCN states I exceded the allowed parking period. I set my alarm to allow me time to get back to the car before the 1 hour maximum, but was asked by my PA as I was leaving to bring her a coffee back. I turned round and joined the drive through queue and that took over the 1 hour although the car was not parked but in the take away queue. Any plan of action to fight this PCN?
  4. I need some guidance on what to do about a problem of my own making.... Due to naivity/stupidity I advised Clydesdale Bank in 2003 that my Credit Card that due to being made redundant I couldn't meet my monthly repayments and could an agreement be reached, well it got passed to Jeremy Sutcliffe and I ended up on 16th August 2006 with a Final Charging Order against my property. On 17th April 2008 I received a Notice of Assignment from Clydesdale Bank to Pheonix Recoveries (UK) Ltd S.a.r.l which would be serviced through Marlin Financial Services. This letter was on Clydesdale Bank headed paper but I noticed recently that it was signed by Marlin Financial Services! On 12th May 2008 I receieved a NoA from Marlin stating that the amount outstanding as at the date of sale 25th March 2008 the debt was £8122.21. It then took a further 6 months to negotiate an agreement with them and when I thought I had an agreement the file was passed to Mortimer Clarke. In June 2008 we finally agreed a concessionary arrangement. On 2nd July 2010 I received a letter from Mortimer Clarke saying that the concessionary arrangement had now expired and the balance was now £7022.21, I phoned then and agreed another 12 months arrangement at £65 p.m. against £50 p.m. which I could now afford. On 24th August 2010 I received another letter from Mortimer Clarke offering me a fantastic opportunity to clear the debt at a substantal discount. They also stated that the amount owed was now £9122.06 due to the 8% interest. This was the first time anyone had mentioned interest. I called Mortimer Clarke and spoke to Matt who in response to my question on the balance came back with the figure of £6907.06 which was in line with my records. I asked hime why was this different from the letter to which he put me on hold and came back 5 minutes later saying that that figure was wrong because it didn't include interest and the fugure was £9513.54 which was accurate that morning. I asked why it had gone up £391.48 in 7 days ....he hung up. I called back and spoke to Holly who gave me the same figures and put the figure in the letter down as an error. I requested a breakdown of my account but suprise suprise I have received ZILCH. I know I have the debt, but I have a couple of points which are raising red flags: Is a charging order tranferable along with the debt? Can interest be charged by Marlin despite no credit agreement being in place with Marlin/Mortimer Clarke? How do I get a breakdown from Mortimer Clarke? If anyone can help me ask for the right things I would be very grateful, likewise if anyone can show me a way forward with these schiesters.
  5. I need some guidance on what to do about a problem of my own making.... Due to naivity/stupidity I advised Clydesdale Bank in 2003 that my Credit Card that due to being made redundant I couldn't meet my monthly repayments and could an agreement be reached, well it got passed to Jeremy Sutcliffe and I ended up on 16th August 2006 with a Final Charging Order against my property. On 17th April 2008 I received a Notice of Assignment from Clydesdale Bank to Pheonix Recoveries (UK) Ltd S.a.r.l which would be serviced through Marlin Financial Services. This letter was on Clydesdale Bank headed paper but I noticed recently that it was signed by Marlin Financial Services! On 12th May 2008 I receieved a NoA from Marlin stating that the amount outstanding as at the date of sale 25th March 2008 the debt was £8122.21. It then took a further 6 months to negotiate an agreement with them and when I thought I had an agreement the file was passed to Mortimer Clarke. In June 2008 we finally agreed a concessionary arrangement. On 2nd July 2010 I received a letter from Mortimer Clarke saying that the concessionary arrangement had now expired and the balance was now £7022.21, I phoned then and agreed another 12 months arrangement at £65 p.m. against £50 p.m. which I could now afford. On 24th August 2010 I received another letter from Mortimer Clarke offering me a fantastic opportunity to clear the debt at a substantal discount. They also stated that the amount owed was now £9122.06 due to the 8% interest. This was the first time anyone had mentioned interest. I called Mortimer Clarke and spoke to Matt who in response to my question on the balance came back with the figure of £6907.06 which was in line with my records. I asked hime why was this different from the letter to which he put me on hold and came back 5 minutes later saying that that figure was wrong because it didn't include interest and the fugure was £9513.54 which was accurate that morning. I asked why it had gone up £391.48 in 7 days ....he hung up. I called back and spoke to Holly who gave me the same figures and put the figure in the letter down as an error. I requested a breakdown of my account but suprise suprise I have received ZILCH. I know I have the debt, but I have a couple of points which are raising red flags: Is a charging order tranferable along with the debt? Can interest be charged by Marlin despite no credit agreement being in place with Marlin/Mortimer Clarke? How do I get a breakdown from Mortimer Clarke? If anyone can help me ask for the right things I would be very grateful, likewise if anyone can show me a way forward with these schiesters.
  6. OK Just to clarify. I have queried the £462.90 with Swindon Borough Council and am still awaiting a response after 6 weeks! The £462.90 is not being collected by a Bailiff but is being threatened (14 days to pay this amount or else). I have a screenshot of my account from Chandlers dated 10th August 2007. This shows nothing to pay. I have involved my local Councillor.
  7. This morning I received a Notice of Liability Order - Council Tax for £462.90 which is claimed to be outstanding from a liability order for £1,312.74 made against me on 25th September 2006. For one reason or other the first I heard of the original order was when the Bailiffs (Chandlers Ltd, Certificated Bailiffs of Bromley) called round on 10th November 2006. I made an agreement with the Bailiffs and continued to make regular monthly payments until 10th August 2007 when my payment was refused as there was a £0.00 balance on the account. I was concerned that they were wrong and asked them to double check which they did. I asked them to check for a third time which they also did. They emailed me on 10th August 2007 to confirm that "Your account has now been resolved. I can confirm that your account is clear, and no further action will be taken against you." I noticed that on my 2008/9 Council tax bill that the amount of £462.90 and I queried this in a letter posted to Swindon Borough Council on 13th March 2009. I didn't receive a response so I sent another letter on 30th March 2009 which was send "signed for" so I knew that Swindon Borough Council received the letter on 31st April 2009. I have not received any response to date, other than receiving the Notice of Liability Order - Council Tax for £462.90 which was dated 10th May 2009 and received this morning 13th May 2009. I phoned Swindon Borough Council and was told (1) I was liable, and (2) a letter would be sent out "later this week" (which after a while turned into "by the end of next week") regarding my query over the £462.90. I pointed out that left me little time to respond to the 14 days from 10th May 2009 threatened in the Notice of Liability Order, to which I was told "it still stands". I know that (1) I completed what was asked of me by the Bailiffs and (2) any error has ocurred between Chandlers Ltd, Certificated Bailiffs of Bromley and Swindon Borough Council (I recontacted Chandlers who said that they did have a gltch in their system and I have requested confirmation of this to be sent to me). My initial reactions/thougts/questions are: 1. Why should I pay for a screw-up between Chandlers and Swindon Borough Council? 2. Can I be taken to court twice for the same debt? 3. What my next action should be Any thoughts?
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