Here's an interesting one (i hope)! I took a brand new car back off hire and volunteered that it had suffered a stone chip, they said they would have it inspected and would contact me in a few days. They now say that the whole windscreen had to be replaced and asked me to pay an amount below the excess of the policy. They cannot provide me with an invoice or confirmation from their installers that the job was actually completed. In the first instance due to if they send me a bill they are offering credit terms and would fall foul of FSA rules! Secondly, they cannot verify the work as they have not had the bill from the installers till the end of the month and they have placed the car back on hire! My query is: Am I justified in asking for a formal invoice for the work done? Also proof that this work was carried out, as it could have been 'gelled' for free? Finally who has ownership of the old screen? I seem to recall a common law somewhere which gives me ownership if I have paid for a replacement?

I anticipate the answer here .... but .... My son has missed his 'year and a day' payment date on a buy now pay latger deal, in fact it was the 15th July, they are now offering him a deal of monthly payments with the interest stacking to over £1000 on an original £2000 deal! Do they have to remind you before the due date? Is there a way to get around this or an offer situation? Thanks in anticipation!!

Hi I am assisting my Daughter in Law with regard a unsecured loan from the Nationwide. They have unfourtunately obtained a judgement in February 2008 for this, and in March applied for a charging order on the joint property. I have successfully got them to adjourn the court hearing to make the full charging order and they have offered to pay to have this transferred to our local court. In the interim I have used one of the draft letters here to ask them for all doc's, communications, notes etc to tie them up a bit and hopefully obtain some more details or errors on their part to have the judgement set aside. I have already recieved a copy of the loan agreement, I note that they have made out the agreement in her maiden name although she was 3 months married, she has signed this in her married name and all court details appear in the married name... slim hope but is there a technicality here??? Also any help with disputing the charging order (grounds etc). Also good cause to have the judgement set aside? All assistance gratefully recieved. Rockie4:grin: