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    • 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)
    • Hello everyone, recently I ordered 4 birds, 2 canaries and 2 lovebirds from a pet shop in Nottingham. When I received the birds, one of the canaries looked scruffy and had a bald spot on its back. when I asked the owner if this was normal he stated that “it is a baby and will be normal in a week” so I waited a week and I discovered it was sneezing throughout the night. I then decided to check their weight and the scruffy one was only 15 grams while the other was 26 grams. While weighing them I discovered they were covered in blood mites (small bugs that feed on blood) so I contacted him and he said I could return them but I’m unable to drive an hour to his shop so I offered to pay another delivery fee fr him to pick it up but he was ignoring me so I decided to try to treat them and bought many medicines and I cured their mute problem but now all 4 birds are sneezing, I’ve had many birds before and I’ve never had these problems so I asked him if he couldn’t please come pick them up but he kept reading my messages and ignoring me then when I called him he blocked my number so I messaged him on my other number laws showing te sale of an ill animal is prohibited and sent him proof of his false advertising (saying they were “excellent healthy birds”) proof fm their illness and he blocks me again. I feel scammed and according to the law he I is obligated to refund me for the birds and any medical expenses but I don’t know know where to report him or what to do about it. Any suggestions would  be greatly appreciated. Thank you 
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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
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Hi I would be grateful if anyone could give me any help. My friend was insured through swinton and I was named driver on the policy. The policy was due for renewel in july and I had only been named driver from May I had paid with my debit card for the change of policy as i was being put on as named driver and also did the direct debit from my account. My friend told them in july they were not going to renew and thought no more of it until they received a text message stating there insurance had been renewed so they phoned and told them they had already said they were not renewing it so swintons said they would have to pay £90 cancellation and admin charges. When I check my bank account this morning a payment of £88.40 has been taken from my debit card when I rang my bank they say the payment went to swinton. I did not authorise to take any payment from my debit card are they allowed to do this as it was not my policy and also I never gave them any permission to take any payment off my debit card apart from the initial payment in may.When I rang swintons this morning I was told they cant do anything until Tuesday as the account dept is shhut till tuesday cause of bank holiday any help on this matter would be appreiceated.

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If they collected it from your account using the debit card details, you are going to have to wait until Tuesday. Your bank can't return the payment. Your friend will need to phone them Tuesday with a complaint. The complaint being that they did not cancel as requested and they have debited a third parties account, without their authority. You actually need a third party mandate/authority to collect the premium this way. They have to collect your address details and send you details of any payments due.


Because it is your friends policy, only your friend can sort this out, due to data protection and the contract being in your friends name.


Don't ever use Swinton again. They are really well known for this type of thing.

We could do with some help from you.



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If you want advice on your thread please PM me a link to your thread

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Yes of course no one will be available to sort this out.

Looks like they had your card details on file as the policyholder,from when you made the payment.

The problems with these things are that although you might have instructed them,if it was not done in writing then you have no proof.These things should always be done in writing.

Since the Policy is not in your name,it may be that Swinton will say that they cannot deal with you without permission from the Policyholder.

I therefore suggest that you get a wriiten authorisation from him / her.


Swintons complaints handling procedures are pretty exhaustive-I know this because I claimed the £12 charges from them for late payments.

Although I did get them all returned-it was a lengthly process involving them sending a copy of their complaints procedure,followed by a number of letters -their process is one of a series of escalations.


I suggest that you get the authorisation in writing from the policyholder,and send with a letter demanding the return of your money.

State what you have said here.

Additionally request a breakdown of the cancellation fees / their charges.

I will give you the contact details of the person that you need to deal with-this saves going through all their initial CS processes.

Yor targets for resolution are the return of your money,and if not you will report it to Trading Standards and take it up with the FOS,but do not rule out a County Court Claim in which you will seek costs.


They will send you their complaints procedure.,and say they will seek to resolve within 8 weeks.

Make sure that you keep copies and send recorded delivery.

Send it to;


Steve Billington

Senior Advisor Customer Assurance Team

Swinton Insurance

Swinton House

6 Great Marlborough Street

Manchester M1 5SW


His direct dial is 0161 236 7102



Keep us posted

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.



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thanks for the quick replies I will let you know what happens on tues the advisor at the local branch did say that they wil probably refund as I was not the policyholder but I am just peeved they they took the payment from my debit card as any issues they have with outstanding amounts should of been taken up with the policyholder before using my debit card details and didn't know whether they were allowed to use my debit card without my say so

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My guess is that if this is an admin error caused by the branch-it will be quickly dealt with.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.



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hi just wanted to let you know that swinton are refunding the money they took off my debit card as I am a third party they legally had to. My local branch weren't very helpful so I called swinton complaints and the put me through to a company working on their behalf who has advised me that this regulary happens and that they will refund the money back to my card thanks for your advice

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That's a good result, yazzy. Thank you for letting us know - we like to hear how people get on and you had some good advice.



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