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About scott7saunders

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  1. Thanks. Lets hope the finance company show some compassion and don't just preach law. 3 year customer, never missed a payments or caused them any problems at all.
  2. Thanks all. This is causing us a massive head ache at the moment and both the insurance company for our own car (Nissan) and finance company (Money barn) are closed leaving us with the stress of real uncertainty. All I know is the replacement value of the Nissan is not going to cover the debt and its not our fault.. If I crashes etc then fine, but it was caused by by another car spontaneously combustion in our drive after being stationary for 11 hours. We don't have £4k sitting around to pay off the negative equity should Money barn demand this and show no compassion to what
  3. cheers - proper stressing about this - not so much the BMW replacement as thats a company car but I need to know the best way to proceed with Money Barn. My hope is that any replacement market value will be paid to me for a get a new car and I will just continue the finance payment but history has taught me that things don't always go to plan.
  4. Hey, This is going to be a long winded post so please bear with me whilst I try and put my issue into some form of logically forum post..here goes.. My 4-month-old BMW 420D caught fire on my drive in the early hours of yesterday morning through what appears to have been an electrical fault which started under the bonnet and quickly engulfed the car, melting the engine, melding the front of my wife's park which was parked in front of it (nose to nose) and even damaged the side of the neighbor’s car which was parked approx. 3 meters away. Now I say that this was an electrical fire bas
  5. Hi, I am having a problem with a car purchased from ACF Car Finance on 28/12/11. have been number of issues recently which have caused 4 trips to various garages to put things right, these include a broken water pump, engine leaking coolant, misfiring cylinder and most recently a failed clutch. Each time I have asked the garage if the car appears to be as well looked after as the service book states and the answer is always the same...a big fat no.. I have long suspected there the entries in the service book were made up as the 2nd and 3rd service appear to have been w
  6. Hi guys, perhaps I could get some help here with dealing with Bristow & Sudor ref my council tax. We have had a letter from them saying that they have been ordered to commence recover action for my council tax, this is after we have been paying £120 per month for the council tax directly to them via their website payments screen. B&S are saying that we have 14 days to pay the full balance before they start proceeding which we are unable to do. What is the best / correct way of dealing with them in regards to setting up a payment plan that does not financially crip
  7. Hi, I have just had my car's MOT and a problem has been flagged up by the technician where my engine has a intermittent revving problem where idle, as this is intermittent its very difficult to plan when its going to happen however this has always been on the car and its not now after owning it for 2 years that its been flagged up as being a fault. The car is showing no faults as far as the codes are concerned and everything else is running as it should do. Is there any help that I can get from the finance company to help with repair etc or the fault as it was there when I purchas
  8. Hey guys, I have an ongoing problem with O2 where the data speed within approx 3 miles of my home post code has all but stopped, everything was running fine for about 5 months until 6 weeks ago when the problems started rearing their ugly little head. Number calls and complaint emails to O2 have solved nothing and left me very frustrated, the last communication I had with them went along the line of "there is nothing that we can do and we wont give you a dead lock letter as we have 8 weeks to investigate the problem even though we don't think there s a problem" What can I do?
  9. no court order and living in Englland. they are approx 5 years old
  10. Hey, I have just come home from work and found a hand delivered note from Scotcall to say that they have just tried contacting me again about some money I apparently know on a couple of old mobile phone accounts.. There is a phone number and a polite but firm note telling me to call them urgently or else (paraphrased the letter) Is this allowed ? the note suggests that they will be back later... I dont know a great deal about the law however am I in my rights to tell them to go away etc? Any suggestions on how to handle them? Thanks
  11. H this may have been asked before however I have had a letter from Virgin Mobile to say that the monthly cost of my fixed tariff is increasing due to the RPI along with the excess on my insurance increasing from £50 to £80 for any successful claim. I know there is not a massive increase in money however it's there anything that can be done as i feel this is a little harsh bearing in mind my tariff is supposed to be fixed.
  12. Hello, Can I get some advise here please? Basically there is an ongoing network problem within the area where the data network runs unhealthy slow or doesn't actually function at all. After fighting with Orange for 3 months and then with VirginMobile for the last 2,they have finally admitted that there is a network fault with some dead cells in my area which have no resolution time for a fix. As this has resulted in me being unable to use my phone as it was meant to, Virgin have ended my contact as they have failed to provide a service. My question is that the wife is having the same
  13. Hey, I was originally with Virgin Media on their mobile service for 4 months before porting out to three as I had a handset which supported their "ultrafast" service. After being with three for 1 week I realised how terrible the network was and ported back over to Virgin Media but on a new contracted deal with their premier plan. After using the phone and service for a week my account was suddenly cut off. After calling 789 from my work phone and being on hold for 30 minutes I managed to speak to someone in the offshore team who told me that my phone was disconnected as it ported
  14. its just really annoying as no matter what you say then will not back down and accept that perhaps you as a customer are in the right. Sorry to go on about it DX - just worried that they are somehow going to screw up my credit file now that I have rejected their terrible products and its exactly 1 week tomorrow since the order was placed.
  15. Three has issued my first bill and now say I am liable for paying it whilst my requests to cancel are being argued? What are they playing at?
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