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  1. My wife and I bought a new Marquis Majestic 185 a month ago via the NEC show for £49,995 trading in another van. We were told to pick the new 185 at the Ipswich branch Before we could get it from there, a problem with a Printed Circuit Board (PCB) controlling heating and water occurred we were told We live 70 miles from Ipswich and had to delay picking it up by 4 hours, we were informed the PCB had been fixed when we took possession of the van. We drove it home with no issues. The next day we began our first trip to Lytham in Lancashire, but there were a large number of
  2. Hello Everyone In essence. I bought a car, pre-registered by a franchised dealer though with delivery mileage and so considered a used-approved car by them. The cost was £70000 The car developed a transmission whine within the the first 35 miles or so. Dealer asked me to keep using the car a wee while longer and 'drive-it-in', though they booked in the car for 2 weeks or so hence. This I did for close to the two weeks then the car needed recovering as it had broken down (loose HT Lead they said) There kept the car to investigate the whining. And provided me with dif
  3. Hi Guys. Not proud of this even though I am having some problems. I have received a summons for not paying a fine (not taxed) on time and they won't let me take an out of court settlement although I have been in this situation before with them (several times) and have been able to pay out of court. When I phoned they said there was a note on my account and the legal team won't speak to me. It seems odd that I don't get an explanation or can speak to anyone about it?
  4. Hello, Unfortunately I recently lost my job and will have to move back with family to weather the storm while I look for new employment. I plan to rent a PO box with a private company (the address will actually start with "SUITE N") to retain privacy in case things go wrong and I start missing payments. Will banks accept this new PO box address? Thanks for your help!
  5. I bought an item on Ebay, which the seller claimed had only been used 1 time and was in excellent condition, the only reason why i bought the item. The item arrived damaged, i requested a return as item not as decribed and arrived damaged. Seller refused to accept a return, instead she blamed me for the damage, saying i had caused the damaged and had swapped item and the pictures I had shown of the damage were fake. Seller claimed she has a witness who saw her send the item in mint condition, but i told her it arrived damaged with a dent/chipped, with scratches etc and obviously no
  6. Hello all. I am helping my dad with a car insurance claim. I've never claimed anything on insurance before so am new to the process. I hope you can help. The general advice is, that when your car is a written off, as is the case here, the insurers will try to low ball you on the first offer and you should reject it. Some background on the incident is that my dad parked his car on a hill, some time later something failed and the car rolled, writing his and another vehicle off. I have researched the car and it's difficult to tell whether t
  7. Hi all, I'll get straight into it. I bought an Approved Used Audi S3 (2015) from Watford Audi on 29/11/17. Car was listed for £24K, I paid a £500 deposit which included the £350 GAP Insurance. I was also intending to drop a £3,000 Deposit on my first monthly outgoing, bringing the payment down from £457.66 to £378.92. I SPECIFICALLY asked the dealer I was assigned if the car was standard as the exhaust sounded very sporty, I thought it possibly could've been a sports exhaust. He assured me the car was STANDARD. I go ahead with the sale on a 49 Month PCP with Blackhorse Finance.
  8. I have been made an offer on a loan taken out in 1994 which ended in 2003. It looks like a goodwill offer and also looks a bit "light". They dont give me exact dates of ppi payments looks like it was added at the start of the loan being about £1200. Their offer is £3300. 2 questions: 1) Can I bank their cheque "without prejudice" taking it as a payment on account to mitigate my losses, and argue about the amount later? They havent mentioned acceptance in their letter, just calling it their "offer". 2) I feel that the 8% stat interest should be compounded, not s
  9. Hello Perhaps someone can guide me on this matter. I bought a Washing Machine and in less than one and a half years it became faulty. An engineer tested it and said it is a manufacturer's fault and I should claim. I contacted the retailer, gave them details including DATE OF PURCHASE, that it was tested and found to be faulty. They told me to get an independent report, which I did. That report agreed with the first one, faulty machine. They agreed to refund the purchase price, plus the cost of the INDEPENDENT REPORT which THEY ASKED FOR, but not the cost of the first one.
  10. I instituted a legal claim for £14k, plus court fee (~£1k), plus interest (~£7k) (Litigant in person) (Total claim is thus almost £22k) The claim was almost statute barred when filed, and if filed today would be statute barred. The claim is currently subject to a 1 month stay until February and the defendant has written to me offering to settle for £16k. I am inclined to accept. They have sent me a letter (via email) which reads "Without prejudice except as to costs ... Without any admission of liability or wrongdoing we confirm that we would be prepared to offer yo
  11. We purchased a Vauxhall vivaro swb van on a 64 plate from new on finance from vanarama.co.uk. Since having the van we have had lots of faults with it such as: window seal incorrectly fitted internal lights not fitted correctly faulty air con faulty radio/phone pack (works intermittently) plus many more van was taken back to Vauxhall dealership who fixed all problems under warranty except for the radio/phone pack issue and the air con unit was fixed but only temporarily and is now broken again. We have contacted vanarama and the finance company to reject the ve
  12. I qualified to become a driving intructor in 2012 and in Oct 2015 I gave my ADI badge back to the Driving Standards Agency (DSA) as I was no longer teaching due to being in a full time job. The DSA sent me a letter to confirm they received my ADI badge in Oct 2015 also confirmed they removed my name off the Driving Instructors Register. The DSA said in a letter I had ..."12 months from the date your name was removed from the ADI register on 30th Oct2015 to re-register without taking the driving instructor qualifying exams..." So in late Oct 2016 a few days before the 12 months was co
  13. I ordered a Vodafone SIM only deal on 02 Oct and when it arrived there was no documentation with the SIM other than printed on the back of the sim holede "vodafone.co.uk/getstarted. I could not log into MYVODAFONE. As such on Friday 07 Oct I called for help. I made a telephone from my current supplier (not Vodafone) I spoke with a really confused and extremely unhelpful person in an Indian call centre. This lady stated that she had sent me THREE account name changes and then the I could not possibly have received any texts (despite receiving them on my current supplier number
  14. Hi, Please give me your opinions on this: Purchased from main dealer an 18 month old car in September 2014 with 7500 miles on the clock and balance of 3 year manufacturers warranty. Noticed by end of 2015 (approx 28000 mile total) that gearbox 'crunches' when changed from 3rd to 4th gear quickly (yes this is a standard manual gearbox). Went to dealer in March 2016 to complain about gearbox (and other warranty faults), they drove car and agreed with me about gearbox. Manufacturer agreed to replace gearbox and new gearbox arrived at end of April. I couldn't leave car with t
  15. As I'm nearing to my last year of my loan. I just thought I take a closer look at my statement this month. OH MY WORD! I took out a £20k, 108 month secured loan on my property in Oct 2007. Up to now, I am up to date. From 2007-2011, on 4 occasions I made late payments. Some arranging from 4days-2 weeks late. From Feb-Dec 2012 I lost my job, and fell into arrears. But within that period, I managed to make 4 payments which covered 4 months. And because I was able to find a new job, in December I paid off the remaining arrears. Since then, I
  16. Hi there. My car payment was missed twice. This is down to a change in bank accounts and carelessness on my part. 4 days after the second payment was missed, a guy from Ceatta Ltd attended my house and attempted to collect car, which was not at the property at the time as my Mrs was out in it. I rang Motonovo and tried to pay the arrears of £850 but they have refused and claimed that the finance agreement has been terminated. I have received no notice of this whatsoever, and the only letters I have received are "notice of default sums". I am aw
  17. Hi guys! I received a letter today from Redwood with demand for an outstanding invoice. The problem is that the invoice was in respect of copy writing and web design, which I did not use due to unsatisfactory quality. The coding was wrong, the wording was wrong, everything. After numerous emails, I've decided to cut my loses and instructed another professional to do the job. This time everything was okay, I have a new website now and settled the bill with service provider. I have all correspondence and proof that I did pay for the web development to ano
  18. Hi , Im helping my mother deal with an old Barclaycard. We sent a SAR request a week ago to this address: The data Controller , Barclays Bank Plc One Churchill Place London E14 5 HP. She today received the letter back, with a Royal Mail sticker on with `refused box ticked`. Is that the wrong address or are they being obstructive???? Any advice appreciated, Thanks
  19. Hi all I've received a rather threatening letter from Restons Solicitors, I'm hoping you can assist me with my problem. Resotns solicitors been instructed by their Client Hillesden securities limited. I have received an n30 Judgement for claimant Resotns solicitors been. I believe it relates to a car finance agreement I had with Black Horse back in 2000 the Car price was £12000 to be paid over a period of 48 month. After few month later in year 2000 due to financial problem I wasn’t able to keep my payment of the monthly instalment to Black Horse. Black Horse dec
  20. Hello, War and piece - if you can't be bothered to read see the last two paragraphs. In June 2015 I bought a brand new Seat Ibiza from a Seat Dealer on PCP Finance (Dealer supplied Finance through VWFS). The main reason - I've always had older cars but I was fed up of the maintenance requirements and the time I had to take out for preventative repairs that older cars require. A new car was going to cost me more money, short term and long term; but the privilege of a new, reliable and care free vehicle outweighed any financial impact. This was clearly outlined to the salesman.
  21. Hi All Sorry to worry you but ignoring it may not be enough with this ****. I had the same issues with Lowlife and decided to ignore it until they stuck a default on my credit file. I have been trying for the last two years to get it removed and to get redress. In Jan 2014 they finally admitted it was not my debt. I expected they would do the decent thing and just remove the default. NOPE in June 2015 I received a CCJ for it from Bryants solicitors acting on behalf of lowlife. My defence was obviously the letter from lowlife stating the debt was not mine. I heard nothing from th
  22. I sent a letter to TalkTalk, saying that I within 30 days cancel all my TalkTalk services. I received a call and then a letter from them saying they want to speak to me as I seem to be unhappy with the service. It also said they need 30 days notice because I no longer have a contract with them, which is a somehow weird formulation because it says there is no longer a contract, but that they require notice before cancelling. As I had given them written notice already that I want to cancel all services, I did not respond to the letter. After the services should have been terminate
  23. Hi, during 2015 I was at University at Brighton and decided to get a gym membership. I went to a few gyms checking prices and commitments and when I went to LA Fitness the guy that eventually signed me up (obviously trying to make a sale) lied to me, he stated that if I moved out of Brighton (which I obviously would do, as Uni does end) that it'd be fine and my account could be closed no hassle. He stated that all I had to do was be 8 miles from THAT PARTICULAR gym. Well I moved back home to Southampton, and went to cancel my membership stating that "yes, I had moved over 8 miles from the
  24. Hello All, I would dearly like some advice, if youcan provide. I got into significant debt (132K) with 29creditors. This was due to my ownstupidity thinking I was managing my debts. In the end, I was taking out cash on credit cards to pay monthly minimums! How stupid can you get? I’m sure others have done this too! In mid 2010 I just didn’t have the money to continue to pay. All accounts were defaulted and I utilised the fantastic services of CCCS, now StepChange. They set up a DMP for me which meant I could be debt free by 2021.
  25. Hi there everyone! This is my first post so apologies if its in the wrong place. I brought a car at the begining of july, 8 weeks on and its developed a very serious fault that requires the car has a new engine. we have priced the engine at 600-700 then whatever the labour will be to fit it. having discussed the matter with the garage they have said they will offer me 500 pound back towards the cost and i do it myself. the car was purchased for 1300. i can fit it, i have someone that will do it for me but should the dealer be sorting this? Do i accept his offer and put the rest
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