Yes i did, they are the most awkward people to deal with. They would of never taken it to court, but they had me over a barrel as they wouldn't remove the default from my credit file - eventually i settled it for a 25% of the original amount they tried to claim. I will never deal with these shysters ever again. However they did remove the default after I got them to put the offer to settle in writing.

thanks for your help! out of courtesy I would like to donate to the site, is there a nominal fee?

Parasites these finance companies! They have put the default on just to spite me, the account isnt even in default - it was run perfect for 3 years with no missed/late payments

thanks for your help - here is the letter i sent today - what do you think? Dear Sir/Madam Re: Agreement no. xxxxxxxx Reg No: xxxxxxxx FORMAL COMPLAINT :/ Letter before action I refer to recent communications regarding the over limit mileage charges that have been in regard to the voluntary termination of agreement number xxxxxxxx, the sum of £1664.00 claimed for this is totally unjustified. Although I have made a generous offer as a gesture of goodwill which was rejected, Bluestone have offered to settle for £832.00 however no explicit breakdown of how this amount has been arrived at has been made, therefore my offer is withdrawn. As I have verbally confirmed to Bluestone that I WILL if necessary pursue this through the court, you will now consider this as a LETTER BEFORE ACTION. I trust now that Moto Novo Finance and Bluestone will reconsider their position on this. As I see it if court action is initiated there is no defence open to either company. With reference to your letter of 09 April 2013 regarding my ‘liability is limited to the amount to settle the agreement’, may I point out that the agreement was terminated on 03 April 2013 and was NOT subject to proceeds from the sale of the vehicle. The Following points must be addressed within 14 days of the date hereon to prevent litigation. 1. No explanation as to how this charge has arisen has been given. 2. I have a copy of the original contract to hand, and there is NO clause referring to an ‘overlimit’ charge. 3. Moto Novo has stated that such a provision is included in its terms & Conditions. 4. These terms and conditions have not been provided to me in any form. 5. This terms and condition were not mentioned at any time until this dispute was raised which was AFTER the agreement was terminated by me on 04 April 2013. 6. Given the information above this matter is formally in dispute. 7. I am now aware of a default entry placed by Moto Novo on my credit reference files, this must be removed as I believe that Moto Novo have no authority to place incorrect information on them.

it says £1662 balance outstanding! Can they do this? Will get on with the letter this morning - shall i mention the default?

so I include the 6 points at the bottom then? shall I mention the default placed on my credit files?

Thats great thank you! Moto Novo have now put a default on my credit file - they really are horrible

i appreciate your time & effort any sign of my draft thanks

if you could draft one for me then I would be extremely grateful!

The way I understand it because I terminated the agreement on 04 April, surely the account cannot go into default? And if it does the information is wrong on my credit file?

I just need a few pointers really! I terminated my agreement on 04 April, the outstanding balance owing on the car was £4500, this amount is STILL showing on my credit record, it is not showing as default just outstanding which is not correct because as far as I am concerned I owe nothing. Moto Novo said if I didn't pay the excess milage charge they place a delinquent default on my account - can they do this? thanks

Do you have an example of a good complaints letter? I know my case is specific but was just looking for some structure and what conclusion i should include. Many thanks

ok thank you -

Thanks for your help! Formal complaint? To the financial ombudsman?

ok thanks, the terms & conditions I have never seen, All I signed was my credit agreement which makes no reference to excess milage. Also I wrote them the initial letter on 04 April terminating my agreement, so is the agreement terminated on that date? Moto Novo are trying to tell me different?