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Alex_PN

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About Alex_PN

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  1. I'll wait to see what they come back with! Thanks for the advice so far.
  2. Okie doke, I'll send a generic email back to say I will wait for the SAR info. Typically, I am struggling to find more emails than I think I need to support this that go beyond the last communication above. I think my plan will be to string this out as long as possible, and throw as much argument their way as I can. They knew literally from about month 3 of the agreement that I was in trouble with money.
  3. No, at no point was the difference between VT and VS explained properly. I'd had problems with the finance though for months, and had been in contact with them to discuss payment arrangements, lower payments for a while, and then catching up. the communication had been very consistent from me taking the finance, up until May 2018, when I started panicking. I'd been very straight with them about job changes, and had a lot of chats on the phone.
  4. last payment would have been 1 May 2018... I'd been on a payment plan with them, and paid a big lump sum to bring me back up to date...
  5. I got this email back from them after the botched call to discuss my options, and I'm just trying to find the remaining conversation and what I said in response. But yes, unfortunately I was under immense pressure with life and just buried my head in the sand. Good morning Thank you very much for confirming the information requested. Your agreement is currently in arrears of £1,090.01, due to a returned direct debit plus charges. Apologies for the delayed response sent the missed contact opportunity, due to being an inbound call centre it gets quite difficult for us to ma
  6. ahhhh, what a mess this has turned out to be! desperately trying to find emails that I've sent....
  7. Not sure I have anything concrete, they were meant to call me to discuss the VT after the option had been given to me over the phone. That phone call never happened, they forgot to make it. I dont have anything on paper that says I definitely wanted it but I do recall saying it was of interest more than once.
  8. Another response from Motonovo: Good afternoon, Thank you for your email. I can see we responded to your email from 16th July 2018 on 6th August 2018. The advisor apologised for the delay in responding to you and then outlined your options to voluntarily terminate the agreement, sell or part-exchange, as per the request in your email. At no point did you request to voluntarily terminate you agreement, you said you would send notification within 14 days. As I advised, we are unable to action a voluntary termination without you requesting this. we tried to contact
  9. Sorry, I am a bit confused. The 50% then would be if they had agreed to the VT?
  10. So the letter says: - Your running balance (inclusive of all fees) prior to the sale of the vehicle = £10,486.07 - Sales proceeds of £4660.00 are deduced (their typo?!) from the running balance = £5826.07 - A settlement figure was generated giving an interest rebate of £1427.54 leaving your outstanding liability at £4398.53 From the original sale: Cash Price £8695.00 Total Amount Payable £12159.76 Payments £245.87 per month 49 month agreement 18.3% APR Interest £3106.75 Admin fee A £199 Admin fee B £149
  11. Another update: Good morning , Thank you for confirming those details. I can confirm your outstanding balance is with DWF. I can see we gave you the opportunity to voluntarily terminate the agreement after we sent you a Notice of Default. We sent you an email on 6th August 2018 confirming we had issued the Notice of Default and you had 21 days to bring the agreement up to date, or we would need to take further action. You responded to this email the same day advising you will send a letter confirming your intentions regarding the voluntary termination within the n
  12. right! shall get onto it and post up when things progress again....
  13. Just wondering what my absolute best case scenario is with this matter? It just doesnt seem fair to no longer have the vehicle after paying towards it, it being repossessed, and then STILL have another £5000 to pay back!
  14. thanks, I'll make this my next port of call. Motonovo are utterly useless with communications.
  15. I think that's a superb idea! I have just had an automated email back from the Customer Care team at Motonovo - in terms of the SAR, I assume there is guidance on here somewhere? REALLY appreciate you taking the time to respond.
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