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    • Moorcroft are just a first DCA that Natwest use, after Natwest have stopped chasing it.   The debt is still owned by Natwest and is currently sat with Moorcroft, but in a pile with many thousands of others.   If your new postal address is showing on your credit file, Moorcroft would have sent letters if they thought this was a priority debt to chase.     
    • We signed up to a credit reference agency.  Got an email this morning saying a search had been carried out in my husband’s name.  It’s by Moorcroft who are doing it on behalf of NatWest. Do we worry?  It’s been over 6 years since last payment and we wrote to NatWest in January advising of our new address.  They and Moorcroft both emailed an old email address which we have access to but never use asking us to confirm our address.  We didn’t respond to it.
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    • who assured you you'd get notification of no int time limit ending? thats not a normal MO of these BNPL agreements they are not onliged to warn you?   when did you rake this out and when did you try to pay the Org Sum?      
    • well thats why they got you on this vanquis debt they mugged you on the otherone and saw you were an easy touch and a cash cow.   send vanquis an sar  get all the statements.   to be honest it quite shocks me you've here since 2007 and are talking on phone to a dca?   dx  
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mr JP

Car broken but with £4000 left to pay!

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I feel stuck between a rock and a hard place with this one..


I have bought a car, I paid £3000 upfront and got the rest on finance (black horse finance) including GAP. I still have around £4000 left to pay on the finance.


Unfortuantley the car developed engine problems and is now in a toyota garage in an un-drivable state. The warranty company are refusing to pay up and toyota told me it will cost about £3000 to get it back on the road :sad:


The company I bought the car from (Trust Autopark - Redditch) are refusing to help, they dont seem to want anything to do with it.


I have written a letter of complaint to the finance compay complaining that a car ive only had for one year and with 44000 miles on the clock should not be in this state.


The finance company are currently conversing with the car dealer to hear their side of the story but they seem to be taking their sweet time about it:|


I have stated to the finance company that I expect the car to be fully re-paired at no cost to my self or failing that, a re-fund would be acceptable.


Im wondering what will happen if they wont honour my request?


I simply cant afford the repairs to the car and neither can I afford to pay £177 a month for the next couple of years for a car that doesnt work.


By law am I required to keep paying for the product that is broken?


The whole situation is making me feel sick..

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The warranty company are refusing to pay up

on what grounds?


The company I bought the car from (Trust Autopark - Redditch) are refusing to help, they dont seem to want anything to do with it.

have you spoken to trading standards?

The finance company are currently conversing with the car dealer to hear their side of the story but they seem to be taking their sweet time about it:|

I take it the dealership supplied the finance?

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1. On the grounds that the damage is "wear and tear" and not a mechanical fault. Although what caused the problem in the first place was a mechanical fault.


2. I spoke to trading standards and they refered me to consumer advice. Consumer advice said i need to write the letter of complaint to the finance company in regards to the consumer rights act 1975. ( I have done this and ive been waiting for two weeks to hear if they can do anything)


3.The dealer ship organised the finance for me but the finance company is Black Horse.

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Sorry I should also add that the problem with the car is an issue that affects the model of car produced in that year.


Toyota know about the issue but rather then doing a recall on the cars, they extended the warranty from 3 to 7 years.


Unfotuanately my car is 8 years old so Toyota wont fix it either (I tried asking already).


I was un-aware of the issue with these cars before I bought it and the problems occured.


The car to watch out for is Toyota MR2 Roadster 1.8 vvti Year 2001

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