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kellyjoneslondon

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About kellyjoneslondon

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  1. Thanks raydetinu, I have asked them for a copy of the terms and conditions. I looked at the details my hubby signed and the extended contract was basically tick these boxes and indicate the following - i appreciate that the terms and conditions of the original contract still apply. What is a bit annoying is the fact that they never resent out terms and conditions of the lease. They did 3 years ago, but no new one since. I have asked them for a copy of it. Ack, I wish my hubby had been more careful! Thanks for the advice, please keep it coming, I sense a long battle ahead
  2. Thanks again Bub1, I will read the contract again and report back tomorrow, will also call them and see what they say. Thanks!
  3. Bless you for replying Bub1, yep he did indeed sign a contract for the 1 year extending, I am just at my wits end, its only because we are losing so much money each month did this come out:-( I wish I could do something.
  4. Hi thanks for coming back to me, I have the paperwork and he did indeed sign a year extending, but in the past with BMW he has been allowed to hand the car back as long as the inital rental period was ended. With Merc they said he has to keep on paying until the year is up and they have proof that he signed the form, which he did, he also asked if he can give the car back within the year and the lady said yes, but there is no record that we can show them. Do you think we have to still keep on paying??
  5. Hi I hope someone can help or give me some advice:cry: My Husband has a car which he has leased for 3 years, at the end of the 3 years, he could have given the car back - no charge, instead he signed up for another year and was told that he could give the car back at any time within the year, so he is paying over £800 a month for a car over 3 years old. I said it would be better to return the car and pay less each month for another car. Merc Finance have said NO, it has to run out at the end of the year he extended... Surely seeing as he has done the 3 years and extended for another yea
  6. Hi I hope someone can help or give me some advice:( My Husband has a car which he has leased for 3 years, at the end of the 3 years, he could have given the car back - no charge, instead he signed up for another year and was told that he could give the car back at any time within the year, so he is paying over £800 a month for a car over 3 years old. I said it would be better to return the car and pay less each month for another car. Merc Finance have said NO, it has to run out at the end of the year he extended... Surely seeing as he has done the 3 years and extended for another year b
  7. Hi, thanks again for your help, I am in no hurry at all and I would rather go the cheapest route, just in case they say that Lloyds are right. I think FOS would be the cheapest, because it is just detailing what happened and letting them decide. If I have to go to court, it maybe expensive and time consuming.
  8. Hi, yes, they are going to send me my personal SAR, but they will not for the limited company, because they said that it does not apply in this case, they are also sending me out the customer care leaflet and have basically said that they do not have a case to answer. I can feel free to pursue it with the relevant bodies. So its a case of either leaving it or writing a letter to the relevant body.
  9. Thanks again Adamski, I will call them tomorrow morning asking for information. Tons of luck with your case!
  10. Thanks again Adamski, I will do everything you mentioned and will plough on, I just didnt want to waste my time if I didnt have a case. Thanks for your help, its great that people such as yourself, take the time to help other people like myself that do not have a clue! Have a great evening. Kind regards Kelly
  11. Thanks so much for your reply Adamski! I have had their full and final response stating that the insurance was not mis sold. They told me verbally that if I did not take the insurance I would not be able to get the loan. I remember calling the advisor when I re read the small print, asking them to cancel the insurance and the loan because I found out that I could remortgage the house instead of borrowing the money from the bank, thus spreading the payments over 23 years instead of the 5 year loan Lloyds offered me. I was self employed and they know this because I have another business ac
  12. Hi I hope you will be able to tell me to forget it or to chase it. I started a business and borrowed £30k (the advisor said it would be quicker than remortgaging my home) from Lloyds TSB in 2005, It was a limited company and I was the only director and Lloyds told me I was personally responsible for the debt, I could not wipe it clean, even though the business went bust - I checked this out and I was personally responsible, so I gathered all the money together as soon as the business officially closed and paid them in Nov 2007. Ok, so I paid them the full amount as soon as I could wh
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