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About mrviews

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  1. Thanks for your reply but it doesnt really help me. When you say "set up properly".....how do I know if it was indeed set up properly?
  2. Hello Guys, I've been reading about companies such as Credit Card Killer who claim they can cancel any loan agreements signed before April 2007. Now I'm pretty sure this is something I can do myself, so what are the first steps I need to take? The finance was taken out in August 2004 through Welcome Car Finance Thanks Mr Views
  3. Hello Guys, in the past this forum has helped me claim back money from Halifax, Abbey National and Capital One so I am hoping you guys can work your magic again!! In 17/08/2004 I took out joint finance on a car with Welcome Car Finance. Me and my partner were only 19 at the time so didn't even know what PPI was, the salesman just told us where to sign and let us drive the car away. I've just dug out my contract and noticed that there is a box filled in for "optional insurance" which I'm guessing is PPI? Could someone please take a look at my contract and let me know if I can make a claim to get it back? I also need a step by step guide of which letters to send and which order to send them in, thanks. Some things to point out are - The car was bought from 1st Motor Finance showroom which is no longer is business, even a search on the companies house website doesn't show it as a company? - the contract has the wrong date of birth for both me and my partner - the photo of the contract is below, but i've had to stitch it together from pictures as I dont have a scanner, if you find it hard to read please let me know so I can upload another picture.
  4. I could afford £500 a month, which would mean it takes 4 months to clear.
  5. Hello guys, I am 22 months into a 36 month lease-purchase finance agreement for a car. This is being done through my work (I work for a large company) and the finance company is Alphabet (Welcome to Alphabet — Alphabet International) I am now ready to change my car and want to give the car back and start a new agreement. The only problem is, Alphabet gave me a settlement figure of over £2,000! I can't afford to pay this in one lump sum but when I asked Alphabet if the cost could be spread they said no. Even when I told them I wanted to take the new agreement out with them they still said it wasn't possible. I feel a little trapped at the moment, as I am stuck with a car that I do not want, and at the same time cant afford to give it back. One part of me wants to call my HR and instruct them to cancel the payments to Alphabet and then just drop the car outside their office, but I would rather sort this out in a civil manner. Whats the best course of action to take? Thanks, Mr Views
  6. Hello guys, A few months ago I lost my phone which had all the numbers stored on the sim card. I got a replacement sim card but due to my phone being pay-as-you-go I dont have itemised bills that show what numbers i've called. I've tried looking on the "My T-Mobile" site and I've also called customer services, both of these have been unfruitful. Is there any way I can use the data protection act to force T-Mobile into giving me details of all the phone calls I've made from that particular number over the last X amount of months/years? Thanks Mr Views ps - yeah I know I should have had the numbers backed up
  7. Hello Guys, I have a friend who took out a finance deal on a hi-fi system a few weeks ago (19th April). He has paid the first 3 weeks worth of payments but has now decided that he doesn't want the insurance thats included in the weekly price. Can this be easily taken off? It's a HP agreement. Thanks
  8. Thanks for that peice of advice, I have passed it on!
  9. Hello Guys, I have a friend who signed up to a 6 month contract to rent a room. She has decided she wants to move out a little earlier then the contract states and her landlord has sent this letter. I just wanted to find out if the amount she has to pay is standard, or if he is trying to charge her too much. My friend has no problem with the amount if it is fair and legal. Thanks (letter below - which the landlord drafted) Please accept this notice as a means to terminate my Assured Shorthold Tenancy agreement (ASTA) for the property 7 Henry Purcell House, 119 Evelyn Road, E16 1UU. I wish to terminate the terms of the contact and move out on the 31st May, which I understand will mean that section 8.3 of the ASTA will be broken. This clause requires three months notice to be provided to the landlord (**********) in writing prior to moving out of the property. A failure to comply with section 8.3, I fully understand will mean that a penalty will be due to *******, which I have discussed with him and agreed as being an acceptable means of terminating the contract. The monies which I owe from now until the 31st May include; Payment date Value (£) Reason for payment 11 May 750 April rent 31 May 1,250 May rent and £500 compensation for June rent Already paid 500* Deposit to be kept by landlord to cover July rent On the 31st May, I will fully reimburse separately for any damages caused to the fixtures and fittings or to the property on checking out. This is necessary as I have agreed that the landlord will keep my initial deposit of £500 to cover July’s rent. Failure to comply with the terms set out in this agreement, will give the landlord the right to seek a court action against me to retrieve these monies. In signing this letter I am in full agreement with the terms set out above. Kind Regards, ****** PRINT NAME:………………………………. SIGN:………………………………….
  10. thanks for your help guys, will keep you all posted!
  11. wow, this is the first time no ones been abel to help me out!
  12. In September last year my girl looked at her account and saw someone had taken out £3,200. When she reported it to her bank she was told that someone had ordered the money and then walked into the branch and withdrew it. She's gone through the standard investigation procedures (signed documents, given statement, been interviewed by investigations team etc) but her money has still not been refunded into her account. I don't understand why the bank is taking so long to refund her money, because 1 - Whoever took out the money out would have had to sign a document and used a fake signature. 2 - Whoever walked into the branch would have been captured on CCTV. 3 - If someone ordered the money over the phone their voices would have been recorded or the call record logged (to be traced back). 4 - My girl can prove her whereabouts on that day. She works for a large department store where there’s CCTV and ID cards that they clock in with etc. I do understand that Halifax needs to be thorough in it's investigations, but as far as I'm concerned they are taking too long to get to the bottom of what seems like a straight forward case. Is there any kind of letter we can send or action we can threaten to make them hurry up with our case? All help is appreciated.
  13. AFter rejecting their first offer of £170, they have now sent me this letter (click on picture link) http://img373.imageshack.us/img373/2273/img0813vj6.jpg what step should I take next? Thanks
  14. Hello guys, after sending my initial letter asking for my money back (£680) I recieved a letter today with the following (pictures of letter attached) Now I have 2 questions-: 1 - what should my reply be? 2 - they have written about "crediting" my account etc......but my account has been closed down with them since 2004?!! is that just an automated response?
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