I'm a bit late to this party but I am in exactly the same position as you. Offloaded the car, cleared the finance but stuck with a finance agreement that I didn't want or need. Unfortunately I got rid of all of the warranty documentation. I paid for a 3 year warranty which means I would be due a refund from the current company but they have had 'new information' that says I only had a 2 year warranty which means my warranty was finished when the company went bust and I am owed nothing; with the 3 year warranty I still had a year left when the company went bust and I could potentially get the debt written off as they can't provide the service paid for. How do I prove otherwise - the only thing I have is a Facebook post from my wife on the day I got the car saying that I had a 3 year warranty! I don't suppose anyone has a copy of their paperwork saying how much they paid? I paid £995 plus interest if that's of any help!

I have a joint bank account with IF. Having separated from the other account holder she continued to use the account while I used another account and the bank seemed unwilling to freeze the account. Needless to say the ex-wife wrote 2 cheques which the bank cashed. Nothing unusual there but the 1st cheque took the account over the overdraft and the 2nd was cashed while the account was over the overdraft limit, what makes it even worse is that the cheques were not guaranteed. The bank has applied charges which are subject to another claim. I am wondering if there is anything I can do against the bank for cashing unguaranteed cheques? I am happy to pay my half of the agreed overdraft (the account is now frozen) but I want to have any liability removed for the amount which is over the agreed limit (approx £300). A long post I know but an odd one for which I cannot find any info. Cheers.

Cheers Hedgey.

Just reading through the LBA and see that it says about not having heard anything from the bank in the first line. I assume that I can ammend that to say that I am not happy with the timeline they have proposed - or words to that effect?

Cheers, I've just received the fob off letter stating it will take 6-7 weeks to look at the claim due to the work involved. Now I take it that I send the LBA with another 14 days allowed?

I've sent the prelim letter but I have claimed for the statutory interest @ 8%. I realise that this can only be paid at the discretion of the court and am bothered that the bank will mess me around. Will they just ignore this part of the letter or will they disregard the entire letter?

Just a quick one to say hi. Having had a quick look at this site I am really impressed.