Hi All Just a quick question. My partner is signed up for local authority gym on an annual contract . This month his wage was paid a little later than usual and he missed DD - but then when money came in this DD was taken fine. However all of a sudden we received a letter that they will be taking a £20 admin charge as well? I called them and sad its illegal and they cant justify such a charge however they said its part of the contract and thats it! I am about to write complaint to their customer services ? is there any other suggestions on what I can do as I am sure its unreasonable charge thank you

police now wants a statement down at the police station!?!? is it normal?please anyone?

not at all. motonovo reported vehicle stolen back in april because apparently they could not find it ( it didnt occur to them that they can just request to know about location of the vehicle ) forgery of the signature - they only became aware of this last week apparently ( even though it is in the original complaint to them in nov 2015 and raised via ombudsman). motonovo are arguing the signature is correct and belongs to the son.....but he has stolen the vehicle and not making any payments.

police saying the reason they have taken the car is because it is reported stolen by motonovo. they are not interested in the signature

yes. even thought we kept them uptodate with the negotiations with motonovo and tried to speak to police officer involved everyday - he just came and took the car away when noone was around

police came and took vehicle away from private property ?! I have had conversations with motonovo last week and it became even more clearer that this whole thing stinks. they keep changing their story and seems like they are now just looking to cover up their wrongful acts. can police reposses on the basis its theft? thank you and I understand all of this. However... Default notice was never issued. When spoke to motonovo they started coming back with some random dates of the alleged letter was sent( conversation recorded ) and it didnt correspond with the dates they have stated within their responce to complaint. Apparently they are sending a copy of the letter ( it wont take them long to type one out and date it oct 2015).

update: Spoke to motonovo yesterday ref trying to pay off the arrears and let son carry on with the payments as he has got the job now. They advised they are not interested and want to take the car back and make him bankrupt. Spoke to national debt help line and now tried to get appointment with CAB. Debt line advised that police should have never been involved and they cant make someone bankrupt. They are saying that if motonovo have not sent termination of the agreement notice - its still live and payments can still be made. When we have tried to make payments via collections department we were able until all of a sudden be put on hold and advisor then came back and advised no longer can. There is a guy at their office darren who is dealing with this case and he is trying to be awkward. THis morning I called and recorded the conversation with him. His title is fraud investigator so when i tried to reason with him and explained we want to pay off the debt - he said we can only do so if paid off in full or they repo and work though his debt and serviceability. no other options. He refused to confirm that he advised ref bankruptcy. when i pointed out that if he is a fraud investigator why is he not investigating signature on the document and wrong date he got lost for words and said this fact is only presented to him right now and he was not aware of it. ( this is after 3 months going back and forward with the ombudsman on it). what questions if they have a copy of the original - they said no- only a scanned copy. So the garage never posted the original. the garage never responded to the request on the data protection letter when we have asked for all the of the documentation inc CCTV images of son going to the garage on the 28th when apparently he signed this agreement. He just kept on and on about theft.!!! they are jokers. I am now going to the ombudsman again and will question them on the fact that so many issues were raised and they were not looking fairly at the complaint and will also try to find someone senior at the motonovo to reason with.

credit card werent helpful either - they asked for a final outcome letter from the airline and commented that there were no error. we have tried all routes. and werent even unreasonabe - we just asked for a credit note so we can perhaps use it for another holiday. they were having none of it.

tried irresponsible lending and quoted all CONS FCA rules applicable incl consumer credit act. his credit file had defaults and previously he could only borrow from loan sharks. not sure how this one got through. they also sold him the car almost £5k over the CAP value. So his outstanding finance is over £18k and car is worth c£8k. do you know anything about police involvement? can they repossess and charge with theft. having spoken to the police they are so evasive ...first they are saying they are after the car as its stolen but when you remind them that V5 is in the sons name they say well its not crime yet but an obstruction to justice. I am thinkng that I ll let them know about location of the car but wont let them reposess it from another private land? ideally i want motonovo to confirm that the document is forged by the garage and unwind the deal - settle by taking the car back and wiping off the loan. Its infuriating that the can take advantage of people who know nothing about finance and how it works. they missell and then bully. scary also that all these FCA rules are pointless and ombudsman is not as independant as I would have thought.

apologies for such a long reply. we have tried to write to the MD and his secretariat office then responded that they cant help as there were no errors with their website etc. we have lost our money and now will never use them again

yes he did but never should have had one. and wouldnt have if they id their job properly and followed fca rules. I am have asked adjudicator to escalate and was hopeful until I read all the decisions in similar cases - they were all rejected and seems like its not all about consumer and finance company can do no wrong

it might be too late for this as adjudicator at the ombudsman didnt uphold our complaint even thought we supplied all the evidence. main finance document is signed with a signature that is similar to my sons but its not the same and when compared to the rest of the documentation. also dated 28th when he was in the garage on the 30th and rest of the forms are signed on the 30th. Its unlikely they call anything quits now as adjuicator is on their side and keep repeating same old story that signature is his. Having reviewed ombudsman decision file it seems that motonovo is a regular on their complaint list but they always on their side with their decisions.

I wonder if any one can help please. My son wen to buy a car from Evans Halshaw garage just as he started his new job with not more than £100 in his pocket . was advised that this is enough for the deposit to secure a finance deal. Paid the deposit of £100 on a £12k car and was told to come back and collect it a few days later. When he came back to pick up the car a sales manager went through some basic person information with him and briefly advised that the monthly repayments would be circa £250 pm. tried selling the insurance to which he declined etc ( the usual sales tactics to get you to buy all sorts of warranties and protection). The manager then went away to make a phone call and came back to say he got all approved and once all the documentation is signed he can collect the car today. At this point he then passed the file to an admin person in the garage and asked my son to complete the paper work. At no point any of the figures and charges were discussed with my son. Admin just went through some basic information again and had my son to sign a load of papers. After all was completed he was given the car and drove off with a complimentary 7 days insurance. As it happened my son lost his driving licence to drink driving 4 months later , lost his job and couldnt make any repayments. As I got involved he didnt have copies of the finance agreement. So after missing couple of payments we finally received notices of arrears and managed to speak to Motonovo ( this is when he realised he has taken finance with them). They kept dragging their feet with providing copies of the documents requested and kept sending unsigned copies. Then a few days later when the documents were finally received it was clear that the signature on the finance agreement wasnt my sons and also dated 2 days prior him even being in the garage. Complimentary insurance turns out to be with his wrong age ( they have indicated his 68 which I presume was to reduce their premium and i think this meant he was driving the vehicle uninsured?!). We have raised 2 complaints originally 1) to Evans Halshaw for mis selling the finance and not following FCA rules , falsifying signatures, selling insurance products my son declined ( they still put them on the finance agreement) etc. 2) complaint was made to motonova - paying out on antiimpersonated documents, not following fca rules ref provding documentation, not assessing affordability etc. Needless to say Evans Halshaw never bothered to respond. Motonovo finance played on the fact that they have done nothing wrong. We have gone to the ombudsman and so far it has been rejected twice and they support MOtonovo an we are looking to appeal further. The problem we have now is that the police has been after the vehicle as it was reported stolen by the finance company. They have been rude and threatening with obstruction to justice. Ombudsman are not interested about anything else apart from playing the broken record of he signed the agreement and obviously bought the vehicle and the only reason he doesnt pay now because he lost his licence and his job which is not their problem. My questions are: * Can police reposes the vehicle? or even get involved * can we report motonovo to the police for falsifying signatures? Any one got experience or had similar situation? any advice will be appreciated

Hi Rebel11 Thats a good suggestion. Thank you I will try it. Regards

Hi There Wonder if anyone can help please. We were on holiday with the family in Mallorka and whilst in Mallorka tried to book our flights back home to East Mids Airport. Towards the end of the holiday we decided to start looking for various flight options with different airlines and used ryanair, jet2 and thompson websites to compare flight times and prices. Thompson has shown available flight in the day on the 24/08/2014 and we decided to book it and stay a bit longer. Bare in mind we have tried booking Thompson on a few occasions for a couple of days however they were showing flights one minute and then once the page is refreshed they would disappear. We thought it was due to their own holidays not sold last minute they would sell flight seats to general public at a reduced price, but they would disappear because it would have been sold or something. Anyway, we we happy with the flight time and date and proceeded to booking it. Booked and paid. Thompson booking process took only a few minutes - we have paid with the credit card and it didnt even ask for the security letters or numbers. As we were supposed to flight out in 2 days we thought we would check in at the same time and this is when we have realised that the booking was made for the 24/05/2015!!! Somehow , somewhere in the computer world the dates changed during the booking itself. We have selected correct dates in the original search, selected correct time and date for the flight and booked. Confirmation came however for the date in future! We checked and Thompson is non refundable airline. We called credit card company and advised them of the incident. When tried to go back and rebook the correct flight ( Thompson customer service line was permanently engaged) - they were no longer available!! We had to pay for another tickets with Jet2 in the end. Once were came back home we have raised this issue with Thompson - however they did not want to know and not even interested in giving us a credit note or vouchers to change for another date or flight or location. We are raising complaint with the credit card under s75 of CCA1974 Ironic thing is - we cannot fly out of Mallorka on the 24/05/2015 at 12pm as we are getting married here in the UK at 2pm! So its not like we have made a mistake in dates or anything. We are desperate to get the money back or credit towards another flight or a refund as not really interested in Thompson flights at all at the moment. Can anyone help with any suggestions please? thank you in advance