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    • Hi I hope all are ok in these trying times. I assume most of us will be in the same situation with employment etc. I am obviously still intending to follow through my complaint against MB. However I do have to make decisions as I have found myself as will most people at this time left with a reduced minimal income, with all I can forsee is an impending up hill struggle for the forceable future. So not sure what, if any options I still have, I am presuming VT was only an option earlier on and a court CO excludes that option, I cant continue to honour the finance payments and cant even begin to estimate any timescales I would be again financially stable. So im basically trapped but want, no I need to get rid of MB all together, they can have the car and I learned the expensive way! MB recently emailed a letter (which is copied below) in it they refer to a recent termination, this is the part that is very confusing as its my understanding they terminated the agreement in March 17. They also inform they have placed the collections on hold, but then heres the cheeky bit, they do however want me to basically store the vehicle, tax and insure it, as per the agreement (the agreement that they already state was terminated) until they continue with their collection process; Due to the Coronavirus (COVID-19) pandemic currently affecting the UK and wider world, we’re emailing to update you on what will now happen regarding the collection of your vehicle, following the termination of your Moneybarn vehicle finance agreement. We won’t be collecting the vehicle at this time Normally, following termination of your agreement, we would arrange for an inspection and collection of the vehicle. However because of the current Government imposed lockdown, we are not currently able to collect vehicles until further notice. What will happen next? Nothing for the moment. We’ll contact you as soon as there are any developments in the Government’s stance and we know that we’re able to resume our normal vehicle collection activity. What do you need to do? We would appreciate if you can please keep the vehicle taxed and insured for the time being, as per the terms and conditions of your finance agreement. We hope this information is helpful and clear. Please stay safe and well, and if you need to contact us with any questions, please check out the latest information on the best way to reach us at So they state termination, then expect to lay down instructions for me to comply with as per my finance agreement T&Cs. To look after the vehicle that they do intend to continue collection of. If everythings terminated and in other words I have no right to the vehicle, Im not prepared to comply with instructions in line with a non existant agreement (I dont have to) and have a good mind to charge them storage. However l would much rather just leave the car, send off V5 to change ownership and be done with it and consentrate on getting justice for their mistreatment.   
    • No it isn't funny, but there have been murmurs on Social media, dfesn't take much for twitterati and FaceBork to go off on one. Some in our area have been on about shooting the Goats in case they spread the virus, people in a panic are unpredictable.
    • If she has had a note from the NHS saying she is vulnerable and should shield, then she should stay at home, and there are special regulations for this   If not, she has choices a) go to work; asking for a copy of the risk assessment, and how she will be able to be at less risk than usual b) see a GP about her stress and get signed off c) resign   Lots of people are anxious about the current situation. Lots of people also work alone in offices or far away from people or at home.     What people don't get to do, is expect their employer to keep paying them in full, for no work, because they are anxious. So, she needs to choose. I think b) seems right for her, but tat's just based on what you have said, and no idea what her job is.
    • So next knee jerk cull all pets? Maybe the Urban Fox populastion could spread it  there arfe many viruses that spread between animals,  but don't jump to humans Don't think they would be that draconian
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Nicegirl1

Illegible application form, CC claim! *CASE STRUCK OUT*

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Congratulations Nicegirl1,

 

I dont have any idea as to the default matter but as regards the costs, in my opinion you could send a letter to the dca letting them know that you are intending to ask the court to award costs, when youve recieved confirmation that they have got it (because you will have sent it Special Delivery and recieved a signature on rec and of course adding the cost of this to your costs).

 

Then send a copy, and request to the judge/court. It wouldnt hurt and the worst they can say is no!

 

Ultimately its up to you if you want to go throught the extra expense of requesting costs....it would be worth it if the judge sided with you and awarded them, and you will have lost nothing but your postage and your time if they say no.

 

I am sure that someone with more knowledge regarding the default issue will be along soon with an answer.

 

Once again... Congratulations!

 

MONX


Advice given is my opinion only, I am not a legal or financial expert (far from it).

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hiya Nicegirl

 

how did all this end pls

 

very interested if you can post anything that will help me much appreciated

 

hope it was a success for you

 

take care laters angel x

 

ps again ive learnt a lot more from reading your thread:-)


Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hi everyone,

 

Well, thanks to the fantastic help & support from this forum I stuck to my guns and eventually the case was struck out by the court!

 

I think the key is to communicate with the court and copy in Cohens and emphasise that you are co-operating but that Cohen's disregard for CPR makes it impossible.

 

As far as mediation went I just wrote to the mediators (copying in the court and Cohens) saying that unless Cohens could substantiate their claim there was no matter to be mediated. I never heard from them again.

 

I'm now going through the process again for my husband who receieved a claim from Cohens for an Egg debt that they described as Barclaycard in the particulars. Anyway, as it's one/nil to me I'll fight on.

 

Thanks again everyone

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Hi Nicegirl and CONGRATULATIONS on your win. :D

 

Great result and I'll change your thread title to reflect your success.

 

Please remember to donate anything if you can, so we can keep helping.

 

:)


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FANTASTIC, NEWS well done and thank you so much for getting back to us on this win,

 

i too will be looking at your thread with interest again

 

laters angel x:D


Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hi Nicegirl,

 

Did you seek a Wasted Costs Order regarding this. May be too late now but something to bear in mind for the next time. ;)

 

:)


We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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