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    • I’ve heard recently that IDRWW and Mr Coyle are at it again !!!! Maybe another email to the SRA and The FCA is needed!    when are they going to stop abusing and harassing when they don’t even own the debt 
    • Same issues as : also spent ££ to have mechanical failures fixed   will have a read
    • Debt charities have urged the Insolvency Service to develop stronger rules to protect customers from bad practice among IVA lead generators View the full article
    • Hi,     I'm in the process of voluntary termination of my moneybarn agreement, in accordance with secion 99(1) of the Consumer Credit Act 1974. I have returned the vehicle, it was collected by a 3rd party on behalf of MB, in driveable condition with fear wear and tear condition.  Their report states that the condition was "Average" (The options were Good, Average and Poor). I have paid more than 50% and recently, before starting the VT process spent £700 to make sure car is roadworthy (gearbox repairs). I am £880 over the 50% mark. Today I've received final billing letter estimating body repairs at over £1,300 (the bodywork is fine - peeling lacquer and alloy wheels would need refurb though). I've purchased the car at 7 years old with over 80k miles, through National Car Credit (pretty sure I've seen another topic on here about them). The car is now more than 10 years old, and I did take pictures + videos of the car before it was collected.   Now. I've had a payment holiday through April and May (which I don't dispute and will willingly cover the amount that they're asking for this payment holiday term) But however I'm not okay with covering the bodywork repairs for a car that is over 10 years old and wasn't excellent condition the day I've purchased it. It came with no service history book and only one key (on my own expense I've purchased another one and had it programmed)   No arrears on the account, no missed payments (just 2 month agreed payment holiday - between myself and MB) which I'm okay to cover. Given the car back in drive-able condition (it was very noisy the week before it was collected, hence why I've spent money on repairs) half of tank of petrol, kept tax up to the day it was collected.   Advice would be appreciated, thank you.   dx: I can't pm you as I haven't got enough posts on here, but if you'd like more details and see what has been sent and see the responses please PM me.     Thanks.
    • I am not a lawyer but I definitely think you are correct.   You will need evidence that Fast Track was not available on your way out - "Unknown reasons" sounds ominous. Do you have pictures/videos/written records to prove it?   Ryanair website states they are not responsible for you missing your flight as a result of fast track, but it doesn't say anything about not being responsible for the product they sold you not being available. Have you tried asking for a refund already?   Either way they sold you something that they did not provide - I don't see how this can be legal - and hopefully you should be able to prove it. Get written evidence that they refused to refund you (if you don't have it already) and take it straight to your card provider. (by many accounts it seems pointless to try and negotiate with Ryanair)
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 16 replies
selinajayne

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I finished my loan in june but then got all the charges for late payments, which came to £198, there were phone calls on there which i had been charged £12 each for but yet i had never received a phone call from them.

I called them and disputed it and they took it down to £168 as a "goodwill gesture", i refused this and wrote to their complaints department and said i was disputing all the charges for phone calls as i had never received one.

I then got a letter to say as another "goodwill gesture" they had reduced the amount again to £119, which was the amount it should have been with out the charges.

So at last its all paid off and no interest was added to those charges so theres hope out there just dont back down to them

good luck everyone

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Good to hear.


 
 

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I finished my loan in june but then got all the charges for late payments, which came to £198, there were phone calls on there which i had been charged £12 each for but yet i had never received a phone call from them.

I called them and disputed it and they took it down to £168 as a "goodwill gesture", i refused this and wrote to their complaints department and said i was disputing all the charges for phone calls as i had never received one.

I then got a letter to say as another "goodwill gesture" they had reduced the amount again to £119, which was the amount it should have been with out the charges.

So at last its all paid off and no interest was added to those charges so theres hope out there just dont back down to them

good luck everyone

 

 

Hi selinajane........... all sounds very good but i will say Please get a letter of completion from them. remember your cars bill of sale needs to be taken away

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Just to add-please don't take their word at anything.

Give it a couple of weeks, then do a check on HPI to see if the car is clear. Do an experian check on your credit file to see if that is clear. And get a statement of account from them.

I know it sounds like "knee jerk reaction", but these morons have got a tendancy to sell the charges to a DCA and within a couple of months you will have them chasing you.....

 

If any of the checks throws up anything, don't mess around jump all over them...

 

trooper68


Trooper68:)

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