I have spoken to the customer service and I am currently considering other options.

unfortunately due to family commitments i was not back in time to contact anyone. I will contact someone tomorrow morning.

Thanks Linzi, I am currently at work and will not have the time to ring until later. I did get the message on my mobile. Thank you for your time.

The guarantee was 'canceled' due to carcraft not taking the payments for it. I requested payment be taken multiple times and carcraft failed to take payment. It got to the point where there was so much outstanding payment on the guarantee the policy was considered lapsed. I sent a letter in regarding this to carcraft. However any suggestions and advice will be gratefully recieved. Thank you for your time and attention on this matter.

Thanks Linzi Reg number as requested xxxxxxxx I will have to build my posts up, even if I don't usually say a lot.

I can't PM you I am getting the following error You have reached your stored private message quota and cannot send any further messages until space has been created. I have no private messages in my inbox

Hi all I am asking for a bit of advice. I am currently on a Debt Management Plan (DMP). My credit rating is, non-existent. I needed a car to get to and from work. I went to Carcraft to get a car on finance. The staff at Carcraft appeared to be friendly but put obstacles in the way of every car I wanted. Excuses like, the finance company will not give you finance on that car because of its reliability. The finance will only allow you to have that car over 3 years, etc etc. In the end I was ‘directed’ to a VW MK5 golf estate. This was not my first or second choice but at the end of the day, ‘ beggars cannot be choosers’ as they say. I took possession of the car and it seemed ok. However the next day I noticed some damage to the lower front grill and took it back. Carcraft rejected this saying it was done while in my possession. I couldn’t prove it wasn’t so I ended up accepting it. Then I noticed some rust on the rear tailgate. However Carcraft did put this right. Over the next few weeks I did notice the gearbox was a little stiff to engage the gears at times. As this was intermittent I was convinced the Carcraft would find nothing wrong with it. However 20 months later the engine gave up. It threw a conrod out of the side of the engine. The engine was now a lump of scrap. My local garage stated a repair price of a minimum of £2000. I cannot afford that. I have regularly had the car serviced and have even had the cambelt changed in an effort to keep the car in good condition. I started to do some investigation into the background of the car and found something disturbing. The car had received no services from 31554 miles to 72638 miles. That’s 41084 miles without a service before I purchased the car. In my opinion the damage to the engine started then and manifested itself 20 months after I purchased the car. The car is a 58 plate so it 6 years old. The mileage is high at 89900 but it is my understand this well within the life of a diesel engine. The car is still on finance and I am still paying it. The past week has been very stressful for both myself and my Wife. I am not very good when it comes to disputes and making my point and would like some advice about what I can do with the car and carcraft if anything.

Totally agree with you tomterm8. We need to keep it right and legal. I will say this thread has really shown what people think of Marlin and it's tactics. I will also admit it has made me smile. But we need to keep it legal by using the system against them. Maybe we need something to show the OFT or whoever the depth of feeling against this company. A petition maybe, or is that just another waste of time?

Unfortunately you are 100% right. It seems they are able to harass other people to the brink of no return but we cannot harrass them, it's illegal.

Unfortunately you are 100% right there. They can harass other people to the point of no return, but legally we cannot harass them So do they get away with it, I hope not, but it stinks anyway (Marlin)

Just the day??

I shouldn't laugh, but ROFL. I bet they are all nervous about going to work today. :lol:

I hope everyone who needs to will start complaining about Marlin and there bullyish ways. After that dispatches programme I am hoping for some good advice to be able to deal with that bunch of *****s. Sorry, i'm still fuming over the way they treat people, myself included.

After that channel 4 dispatches programme I have decided to see if I can do anything about Marlin and the way they treated me. Anyway, I have got myself into serious debt. I am not here to make any excuses of reasons for it and I am sure some of you will judge me by saying stating the obvious, 'its your own fault.' Anyway I had a credit card for approx £3500 that I am paying back in instalments to the credit card company. This I am doing through a debt management company. I had never missed a payment and always paid on time. Then the credit card company sold the debt on to Marlin. My payments continued as normal to Marlin as before with the credit card company. Then Marlin stated that I was missing payments and that unless these were brought up to date then action would be taken. I contacted my management company and they stated that no payment had been missed and everything was going out as normal. However Marlin still maintained that payment were being missed. After being with the debt management company for a few years I know that Marlin was lying, but again I confirmed it with the debt management company. Again I informed Marlin that all payments were going through as expected and on time through my debt management company. At this point Marlin stated they don't deal with debt management companies as it is my debt and I should pay it. This continued on. My debt management company were sending letters to Marlin that were ignored, and they kept hounding me for outstanding money that was not outstanding. After a while Marlin started proceeding against me to have the debt secured on my home, a charge order. As I had already got additional debts, of which one is substantially higher, I thought this would give Marlin an unfair advantage over my other debts. In addition my debt management company kept records of all transactions and could show that everything was up to date. Anyway I then received a interim charging order and a court date in July 2008 (approx). The court was to far for me to travel to so I requested that the date and location be changed, several times, with the court. When I finally got hold of the court they said it would be changed. This was verbal however and no written statement was sent. I was all prepared to got for the hearing with my evidence and contest the charging order. After this I sat back and waited for the revised date and location. I never received it, what I did get was a letter stating the order was successful and a charge had now been placed on my home. This was done with my presence, in spite of the fact I made it plain I wanted to be present at the hearing. Marlin basically took absolutely no notice of any government recommendations and bullied their way through to a court hearing. Mysteriously after the order was made, my account was suddenly up to date without any arrears. They had however managed to increase the amount outstanding to £4333.78. Incidentally I have never had a N87 form, I assumed I would be entitled to one. I would like to know it there is any way I can get this set aside? Who do I complain to regards this company? Can I any additional action against Marlin for the stress and harassment from them? Can anything really be done? (Sorry that's the cynic in me) Your suggestions would be greatly appreciated.

Thanks Spamalot and Joemay (and anyone else who replied) I will start a thread regarding this. I will be collecting the paperwork together and the thread will started tomorrow. Thanks guys.