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  1. Hi All, I am looking for some help, my husband has recently passed his driving test but only has an automatic licence and we are in the process of changing our car. We have already been accepted for finance for a new car with another company with better rates. We took out HP finance with Advantage Finance in July 2016, the agreement was for 54 months. If my calculations are correct we have made 29 payments back which is over the 50% they state you need to pay before you can proceed with a VT. I have sent an email and letter to inform them I was to terminated with immediate effect an
  2. Hi All, I'm after some advise please, I took out a joint HP agreement last January with these, all payments up to date until I wrote off the vehicle in October, the insurance paid them a settlement figure and CLS advised them there was a £433 shortfall, as it was almost Christmas it slipped my mind, 11th Jan both my partner and I received a default notice for £1323, now this morning, received a termination letter stating 'subject to clause 9.2 of the agreement, you must now pay the full outstanding balance to us of £4379, can someone please advise where I sta
  3. hello any advise would be greatly appreciated. 6 months ago we bought a Audi a3 on finance over a 4year contract after a few weeks the Audi started cutting out while driving and would roll to a complete stop RAC called out recovered to a garage after a week no faults were found and we collected the car this started happening on a weekly basis after an hour or so the car would start and go until it cut out again. we got in contact with the car sales garage they agreed to cover any costs as long as it was not caused through wear/tear rang finance company and mad
  4. Hi We had a car for 4 years with VW - the lease ended in March 2018 - they collected the car in September 2018. We have today been presented with a bill for £1368 from a solicitor (Blake Morgan) acting on behalf of VW - they have listed to damages and the cost but it is outrageous - any ideas how this can be challenged?
  5. My wife has a CCJ to the value of roughly £800 from vodafone, containing what i presume would be a large value of early termination fees. She has made one payment towards this, as she only became aware of it last month (dont ask, burying the head in the sand...) Now, ive seen some members on here stating that OFCOM are against early termination fees being included in a CCJ/default? Is that correct? maybe dx100uk you know more? as its one of your posts referencing termination charges and mobile contracts that i have referenced
  6. Hi Everyone, I would really appreciate your help here, as I think the Post Office home insurance are mis-advising people. I am moving out of my housing association flat to a house I just bought with my girlfriend. I have a 6 week overlap for the two properties so we can renovate and decorate prior to moving in. I already have contents insurance for the new house. My flat was covered for the last 6 years by the Post Office, I told them I am moving and have to cancel the insurance as there is already insurance at the new house, so they can't insure it. As such they have to cancel in
  7. As i understand it I can Voluntary Termination at any time but will be liable to 50% of the total agreement. I intend to VT my HP agreement however I am £93.00 away from 50%. If I send notification of VT on Monday along with a cheque for £93.00 would this be accepted?
  8. hi, could somebody explain the purpose of a termination notice? i have been served a termination notice 14 days after being served a default notice which i believe to be correct. however i have been served another default notice which is dated the same day as the termination notice. also i am still receiving threats of fees and charges and am wondering the point of the termination notice.
  9. i am writing on behalf of my wife. she was employed as a manager for just over 6 months, her employer phoned her up just under a week ago and told her they was terminating her contract as of immediate effect. This was done without any probation meetings and no meetings prior to raise any concerns. I don't want to go into much detail as at the moment she has just started by raising this problem with ACAS. The employer has since claimed via a letter a fictitious probation meeting took place AFTER the dismissal via phone call! This was probably done by them to distract from they acted unprof
  10. Hi fellow caggers, looking a bit of advice for my partner She opened a Halifax Rewards account in 2002 with her Ex husband They separated in 2011 and there was an OD on the account He sub sequentially left all the debt to her, he managed to remove himself from the account by paying a small amount, I will say he was a Halifax employee. The last payment into the account was feb 13 by my partner and the account was defaulted on her credit report in Dec 13 It was sold onto Hoist and is being managed by Wescot, we have not acknowledged the debt and sent them a prove it in
  11. This 3rd party mobile provider contacted me (Unsolicited) around Feb 2017 telling me that my small business contract with o2 was coming to an end. As an O2 "Partner" they had all my information and could provide me with a great deal. I stupidly signed a 3year contract with a "Deal Incentive" whereby they would pay a sum to me to reduce my line rental to £25 a month, I got 1 payment in April then nothing until in Jan 2018 I sent them a letter of contract cancellation due to "Material Breach of Contract". My bill rose from £35 to £92 for 3gb of data and no phone !! D
  12. Hi all, Im just after some advice…. I am currently in a IVA and when it was accepted allowances were made for my car payment to black horse. To cut a long story short, things have changed rapidly and my income has stayed the same, well it’s actually due to go down and my expenditure is going to rise. This means that I can no longer afford the vehicle that the allowance was made for. Im ok with that, My dad is going to gift me an old car to be able to run, and on completing my income and expenditure form, if I get rid of the current PCP vehicle then I can still afford to
  13. New rules for taxation of termination payments READ MORE HERE: https://www.gov.uk/government/news/new-rules-for-taxation-of-termination-payments
  14. I have a vehicle on finance from Trax Motor Finance which is just short of the halfway mark. Due to ill health I a no longer able to drive it so I sent a request to voluntary terminate using a letter template from this site. I sent I recorded and they have signed for it and acknowledged it via email. I know that there will be some liability left to see the agreement to the half way mark and have detailed this in the VT sent to them. They are insisting that I contact them via phone to sort out the details but I have replied on several occasions that I will only communicate v
  15. Recently employed on a three month probation contract in an industry I had not previously worked in. My employer recruited me based upon my skills and achievements at a far larger organisation with the intention of modernising their working practices. On my first day of working I had my role & responsibilities but received no targets, objectives, training or guidance and was told "off you go". Due to the small size and skills of the workforce obtaining information became difficult but I managed to understand the business set-up and started collating information, comple
  16. I have a car I've paid over half of and wish to return. I emailed them Friday to a previous correspondence address, no reply, I called them yesterday morning and "no one was available right now in VT department" they gave me a direct email address, still no reply. I want this returned by 20th as I'm going away, can I force them in to a speed up? What is reasonable notice? also does mileage penalty apply to the halves rule? The wording in my document says "You have the right to end this agreement. To do so, you should write to the person you made your payments to. They will the
  17. Good Afternoon everyone, Having had a read of these forums I have seen how helpful you have been with offering advice to other people so decided to register and post my own situation to see if you can offer me any advice. I am currently a private tenant through a letting agent. I originally signed an Assured Shorthold Tenancy Agreement on the 1st October 2016, which was a 12 month agreement with a 6 Month break clause. This agreement was signed by both myself and my Girlfriend at the time, so this original tenancy has not yet ended. On the 12 June 2017 (3 and a half months
  18. Hi Hope someone can advise if they have done this before. I am nearly 3 years into paying a 4 year hire purchase with first response I have been told as I have paid 50% off I can hand his car back via VT. If I was to trade my car in for a new car I would be £1500 in negative equality. I have been accepted by car finance for a much better deal but said I would be better to refinance than VT, of course they are gonna say that as they are a car finance company but told me if I do this I would struggle to get car finance. I have already b
  19. Dear All Almost two years ago received a claim from Restons for £2,500 but with no details. Filed defence requesting details of claim and made a CCA request. Cabot didn't come back until a week ago, with copies of some documents, containing terms and conditions, and copy of agreement, stating that they are now entitled to obtain Judgment. Have to see if it is genuine. I have noticed that they have not provided copy of Deed of assignment, I requested. Not sure if important? Also it appears that the authorisation of Cabot Financial has lapsed with the FCA, which
  20. Hello, I have a car that is on HP from Advantage Finance. I have contacted them regarding a Voluntary Termination of the HP, and am currently awaiting a reply from the company regarding what I need to do next. Meanwhile, a few questions popped up in my head: 1. Would this affect my credit rating? 2. I have not serviced the car in a while (about 10k miles overdue), and the car has a couple of minor dents and scratches. If I fix the cosmetic issues and service the car now, will they still charge me for damages incurred, etc.? 3. Is there anything I need to watch out for with regards to
  21. I had an issue with Virgin Media about early termination fees when I was helping out a friend. The way he was treated was grossly unfair - details don't matter now. However, I wrote to Ofcom about it and they said that they consider early termination fees to be fair PROVIDED they only cover lost profit - actual cost of providing the service has to be deducted for the charge to be fair. This is because, if you cancel, they are saving this amount. I wrote to Virgin Media and told them what Ofcom had said. I asked them to tell me how much it cost them to supply th
  22. Hi, my wife is 28 months into a 36 month PCP agreement with Ford. The car is becoming unaffordable for her and has contacted the finance company to discuss VT. they have said she can as she has paid in excess of 50% but are stating excess mileage charges will apply. because she was sold this car with 6000 miles allowed which was never suitable, she has gone over that and would owe around £550 in mileage. if VT'ing the car is this amount still payable? ford are telling her it is. there are mixed views over the internet.
  23. Hi, My bank has threatened me to set off my funds I hold with the bank current account and savings against any debt owed? Can they do this legally without my say so or do they require approval from the court. I don't hold bank accounts with any other creditors which I have credit cards, which is a good thing, however could those creditors access my bank account without my authority is that not a crime? Letter attached. Thanks.
  24. Evening all, I could do with a bit of advice please. In January 2016 the wife and I took finance out on a car with Advantage finance. Unfortunately our circumstances have changed dramatically in that time and we can no longer afford to run the vehicle. We have been in contact with StepChange debt charity and they have gone through our finances and the only logical way forward for us out of a bit of a mess is to Voluntarily terminate the agreement and give the car back. We will still owe money on the vehicle as we haven't paid half the finance agreement, but S
  25. Hello I am hoping to receive some initial guidance/advice on the following situation in relation to my daughters nursey place. In brief summary; We were hoping to secure a place at a nursey, where our son had spent 2 very pleasant years before moving to reception at school proper. We received and she signed the registration forms as attached. ( I hope) As you may, in reviewing attached, see, Jxx, as a lecturer, was unsure what her hours would be and was happy, after discussions with a deputy manager, that the situation was flexible and we could amend the dates time in due
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