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    • Amazing thanks, I am not sure what to type as this is the first time I have got to this stage with the FOS, but my letter below is a start and would appreciate any comments/amends to suit:   Complaint about MYJAR Limited - Trading as MYJAR Reference Number XXXXX   Thank you for your email of the 29th June 2020, the contents of which are noted.   I have to say I am somewhat surprised and disappointed by the outcome of this and I would like to explain why.   Firstly, I attach a spreadsheet showing the state of my credit file.  This show the Default date to/from the amount of the Default, including CCJs.  In total I had 10 Defaults and 3 active CCJs at the time of the first loan taken out with MyJar.   Two of the CCJs were paid off in July 2017, however, and still remain on my credit file until September 2020/March 2021 respectively.   This should have been a sufficient warning to MyJar that they should not have lent any monies to me whatsoever.  However, they went ahead and, as you can see continued to lend to me each time, when all of the Defaults and CCJs were still active on my credit file.   Also, with regards to the table below, you can clearly see that another loan was taken out straight after the existing one.  I understand that you cannot have more than one MyJar loan at any one time, but what I would do is use my salary to clear the loan and then borrow again from MyJar to cover the amount that I had paid off….. in a sense “robbing Peter to pay Paul”.   Loan Date Taken Date Repaid Instalments Amount Highest Repayment 1 05/11/2017 22/11/2017 6 £1,000.00 £284.63 2 05/12/2017 06/02/2018 12 £1,475.00 £266.20 3 16/03/2018 18/07/2018 12 £800.00 £117.87 4 23/07/2018 outstanding 12 £725.00 £110.82   I would also like to state that Loan 4 is still outstanding as the account has been placed on hold whilst the investigation took place with yourself.  They have, however, offered me a settlement figure of £600 and to clear this balance at a rate that is acceptable to myself.   Looking back at previous correspondence, I still feel that all interest and charges that I have paid should be refunded.  This totals £725.90 across all loans.  This would therefore settle Loan 4 of £600 and the remaining monies of £125.90 owed to myself.   I would therefore ask that my case is reviewed with the additional information stated above.
    • Hello to all.  Any help or advice is greatly received.                      I traded in my car almost a year ago and purchased a second hand kia optima 2013 with around 75000 on the clock, and 127 a month in HP payments. After 5 and a half months of normal use the engine seized, the reverse camera and sensors no longer worked and the passenger seat belt alarm continuously sounds at various times when no one is seated in it. I had also needed to renew pads and a brake calliper almost 4 months after purchase. I had not raised concerns to the brake components as they would be considered wear and tear.                     Being in the industry I dropped the oil and found it to be extremely thick and probably not circulating to the top of the engine, i.e. the oil had not been renewed in a very long time (there is no oil light on the dash or any indication of fault or maintenance due) I retained the oil filter, and opened a resolver case, with tall the faults listed.                 Upon contacting the dealer and informing him of what happened he indicated he wanted no responsibility towards rectifying the problem as close brothers were technically the owner. I approached close brothers (18th February)who started the ball rolling and approached dealer again who formally by letter refused liability.                              Close brothers then sent an engineer to inspect my listed problems, this was visual as the vehicle will not move, after three weeks the report was with my case handler.  I requested this report twice but have yet to see it.  Close brothers informed me that the report was inconclusive and they would need to move to a more through inspection.             At this stage the pandemic hit, at no point did I stop work and had to continue on charity and the diminished public transport to commute to work (140 miles a week)  no courtesy car or rental was provided.  I maintained contact with close brothers throughout, and was given the same update, they were waiting for the engineering firm to do an assessment but they were only doing key workers . Despite me telling them I was a key worker, nothing was done until the easing of the lockdown. I was informed that ACE vehicle inspection would contact me to collect the oil filter.                             Eventually this happened on the 18th of June and I phoned each week to chase. I was informed on the 30th that the report was showing on the portal and my case handler (simon) would look at it and call me back. I received no call and called on the 1st with the same responses. Today (2nd July) I got Simon who tells me that the report is showing on the portal but when he went to open it, it was not there and he would chase the engineering firm and get back to me in a couple of hours.                     I believe I am being taken for a mug now and am unsure weather I should escalate my revolver case to the regulator or any other advice, I'm therefore at this forums mercy any advice will be greatly received. 
    • Yeah I think you're probably right. I cancelled it anyway because the balance was due on the 10th July and I thought if I held out for an alternative and rejected it I might loose my deposit. Virgin are not answering calls from anyone not flying within 14 days by which time  the balance due date will be well past. I didn't want to pay the balance just to keep my deposit and get it all back in 4 months. Better to cancel the whole thing and get my deposit back now.   The holiday is in October so I think it will be fine to travel by then. I still plan to take a holiday on the same dates but I doubt I will get 10 days in the Caribbean (or anywhere long haul) for the same price so will probably go somewhere in Europe. It's just frustrating when I see basically the same holiday advertised on the same dates but for 50% more than the one they just cancelled.   I'm not too worried about Covid 19 and plan to travel as soon as the quarantine rules are lifted.
    • Welcome to the forum. I don't think you are breaching any forum rules at all and we are pleased that you have come to us and posted up your story. However, you have posted your story in a very solid block of text. It's extremely difficult for people to read and it tends to dampen down their enthusiasm when otherwise there would like to help you. Please would you mind posting your story in a well spaced and punctuated form and you will get lots of enthusiastic help. Thanks
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style="text-align:center;"> Please note that this topic has not had any new posts for the last 1004 days.

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it was a present for my son so I'm not able to take it off him an hand it back

Really embarrassed I've even got myself into this mess tbh

So do u no the next steps they are likely to take ???

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it was a present for my son so I'm not able to take it off him an hand it back

Really embarrassed I've even got myself into this mess tbh

So do u no the next steps they are likely to take ???

 

Sadly we don't have a crystal ball so we cant say what they will do. Just because they haven't issued a claim previously, doesn't mean to say they wont decide to make an example out of someone :(


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The next steps are anybody's guess but if they issue a claim form then pks come back and we can help deal with that.


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Ok thanks but their now gonna have to find me first unless they email me

 

If anyone else has advice about them id be most greatful

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Theres not really any more advice to offer,

all of the likely events have been explained in some detail.

 

 

At CAG we cannot tell you what WILL happen,

thats down to the individual companies involved.

 

I hope you manage to get your issue sorted out with PH.

Hiding from them will not resolve anything

and CAG would not condone that as a course of action.


PLEASE HELP US TO KEEP THIS SITE RUNNING

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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I'm not hiding

trying to sort it

I've been made homeless and don't have a forwarding addresse to give them

as I'm sofa surfing at the min

 

I can't help they have refused any payments from me Unless they're full payments which I don't have

 

 

they have been very unreasonable as a company about the whole situation

and have taken over three weeks to get back to me to reduce my payments

after I submitted evidence of my change of circumstances

 

 

it has taken for me to contact them to find out they won't lower the payments

they made no contact with me for nearly a month and it's me keeps contacting them to resolve it

 

I will try and contact head office again because I think 3.50 a week is reasonable

and don't understand why after what I've Said they won't remove the tad insurance

and take my offer

 

 

surely in the long run it will cost them money to trace me or take it to court

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they rarely do court

and it would only be a return of goods order

 

don't think we've ever seen evidence of them doing this.

 

their business model, just like brighthouse and bayv is set up to swallow such issues and write things off.

 

not wishing to paint a different picture to those that have advised

 

but the bottom dollar is

these very little they can do

IMHO either

ignore them completely

or

simply pay what you can when you can.

 

where are the goods , are they still within your control?

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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As you can see through the entire thread, there is not much they can do aside from trashing your credit file.

Its a little clearer now and i am sorry you find yourself in a position of homelessness.

I would spend all my energy working towards finding yourself permanent accommodation and not worrying about bottom feeders like PH.

There are places like shelter who can help and most councils have emergency housing depts for those in your unfortunate position.

Come back to deal with PH if and when they issue a claim form.

 

Good luck and i wish you well

 

Martin


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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As you can see through the entire thread, there is not much they can do aside from trashing your credit file.

Its a little clearer now and i am sorry you find yourself in a position of homelessness.

I would spend all my energy working towards finding yourself permanent accommodation and not worrying about bottom feeders like PH.

There are places like shelter who can help and most councils have emergency housing depts for those in your unfortunate position.

Come back to deal with PH if and when they issue a claim form.

 

Good luck and i wish you well

 

Martin

 

Completely correct for now. You need to concentrate on getting your life back on track. IF you end up with a default, then it shouldnt be a worry as such. However, once you are on your feet, I would expect you to start making payments to them.


 

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Thanks so much for your help once I'm sorted I will resolve it of they will help me to

 

But they're a really difficult company to deal with ,

they have been refusing payments for five weeks now because it's not a full Payment to clear the arrears

they won't even take one weeks payment !

 

 

I've got all my emails to confirm and I think I've done the right thing trying to sort it

 

 

am not ignoring it but they're now trying to bully me into paying what I can't afford

 

 

they have even accused me of lying about being evicted and I had to send them a copy of the letter

 

I've learned my lesson to not use a company like this again

 

 

and anyone reading this I would advise if you can't afford it don't have it !!!

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Hi could they not do a re write of your contract were you pay the remaining debt at the end of your contract. Hope you get it sorted

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Threads more than 18mts old..........???

Now closed to stop newbie bumping


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 1004 days.

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If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

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