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    • This is an area that I suppose we don't have a lot of experience in. So we will have to feel our way as best as we can – but there may be better sources of information elsewhere. You use the word "manifest" a couple of times – as if it is some kind of technical term. Does it have a special meaning?
    • Thanks and tried that route.  Seems they can for Jeeps up to about 2010, but not the newer versions.  I even tried an ex-Jeep franchise and same answer although they can service and reapir Jeeps, if a repair is done where the software needs to be updated,  I need to go to a franchsie dealer and cost is about £120.  I am wondering if a Subject Access Request can be made showing all documentation including a read out from the ECU on the Jeep?
    • Apologies Blemain finance is named on the paperwork how and what info do I put on sar  thanks 
    • You can get the warning messages interrogated at an independent, this also shows what’s been reset in the past on most cars. You could consider getting this done to see if it confirms your suspicions. But please double check that they can get resets on a Jeep
    • Indeed, I will have a chat with the solicitor first. I took a drive to the car trader yesterday (24 Oct) who sold the car in Au-2020 and they confirmed they had it, and sold it in Aug-2020 (and I have all the proof e.g. Gumtree website, and their Facebook posts). They also said they run an HPI check, and that the seller took his own finance company instead what the car trader was offering. He also said no finance company can finance a car if it is already under finance, he said just let your solicitor deal with it.   Well, it's corona period, I am unemployed now, and I don't want to 'fork out money for a solicitor with the chance loosing the car, and the money I paid for it, and the cost to a solicitor (therefore I am doing as much as possible my own research to keep the cost low). Since public transport in the UK is quite expensive, and very very time consuming, I purchased the car in case I have interviews anywhere in England, and also drive back and forth to visit my fam in Holland (which will save me more money then using the public transport./air/etc.).   Well, that the seller says he feels threatened by me is beyond me, but then again he may get advise from cronies; what I do know, he is afraid as hell if I show up at his workplace. The car rental company sells cars too, so nothing stops me to contact the company and inquire if their employee sold a car on behalf of the company as he used company properties. This is more or less a tactic from my side to pressure him so that he tells what honestly is going on and get a paper of good faith signed. Well, for now, I will ask the solicitor to do all this. It's amazing how some people, with a good job, and maybe family, can pull stunts like this without shame or fear.
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Hi all,

 

I'm a bit behind with a wonga repayment and am being chased. I defaulted because of emergency repairs to the family vehicle and have tried to tell them that I currently have NO money to even last the month. They don't seem too good at responding to e-mails, but I thought I'd give it one more go/ Does this sound ok and should I copy in the famous Errol ?

 

Hi,

I have been in regular contact with you and last spoke to someone on 30/07/2010 regarding a payment plan.

I explained that I had less than a fiver in the bank at the moment, but said that I would try and arrange something over the weekend.

I have failed miserably but am quite willing to make the following arrangements. I will pay £10.00 immediately, direct to your bank as a token payment to show willing and get the plan started. I will then pay £xx.00 directly to your account on the 20/08, 21/09, 21/10, 19/11, 21,12 and 21/01/2011 to settle the debt. This will total £x00 which is considerably more than the original loan with reasonable interest.

I would expect interest and charges to be frozen once I have paid the £10.00 token, and also would expect you to add further interest and charges only if I missed a payment.

Please not that I am NOT trying to avoid payment, I have used you in the past and always paid on time or early. I note that you are a member of the FLA and would hope that you will deal with me in accordance with Section D1 of the Lending Code.

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Whoa, didn't mean the e-mail to look like that !!

 

Meant to say:

 

I have been in regular contact with you and last spoke to someone on 30/07/2010 regarding a payment plan.

I explained that I had less than a fiver in the bank at the moment, but said that I would try and arrange something over the weekend.

I have failed miserably but am quite willing to make the following arrangements. I will pay £10.00 immediately, direct to your bank as a token payment to show willing and get the plan started. I will then pay £xx.00 directly to your account on the 20/08, 21/09, 21/10, 19/11, 21,12 and 21/01/2011 to settle the debt. This will total £x00 which is considerably more than the original loan with reasonable interest.[/font]

I would expect interest and charges to be frozen once I have paid the £10.00 token, and also would expect you to add further interest and charges only if I missed a payment.

 

Please not that I am NOT trying to avoid payment, I have used you in the past and always paid on time or early. I note that you are a member of the FLA and would hope that you will deal with me in accordance with Section D1 of the Lending Code.

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Rashley, i think thats a very honest and well put together email. Like jamies states keep resending and put 2nd copy, 3rd copy etc till they respond. If you havent already set up a new account or report card as lost/stolen straight away otherwise when you do have some money in the account it will go and you may need this for essential living. Keep us posted on how your getting on

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Go Errol,

 

had a phone call to my mobile (at their expense !) about two hours after sending this, saying not to worry about the initial £10.00 just increase the 6 monthly payments to cover that. Interest and fees stopped.

 

Still waiting for that in writing though !!

 

Thanks for your help.

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