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    • I booked a one way flight online for my wife and I with Ryanair in December '19 for a flight from Spain to UK in August '20. The flight confirmation showed that the cost of the flight was €145.68 and that my card had been debited £133.01.  I don't recall being given the option of choosing to pay in euros or GBP but it is possible that I was.   On 5/2/20 they contacted me to advise that "Due to the non-delivery of the Boeing Max aircraft this summer, please be advised that there has been a significant time change to your Ryanair booking". It was in fact much more than a significant change in that it was a cancellation of a flight on that day from that airport which had been tailored to fit our preceding travel plans so I just asked for a refund, as I could not find a suitable alternative with Ryanair.   The refund was processed and Ryanair sent me an email stating, "We confirm that your refund request has been processed back to the form of payment used to pay for your booking. Your issuing bank will take 5-7 working days to process this refund amount back to your account. The amount refunded to your credit/debit card is GBP 133.01"  When I checked my bank account I saw that they had refunded me €145.68 which when exchanged left me £119.58 leaving me £13.43 out of pocket.  On contacting Ryanair they said it was my bank's fault and not theirs as they refunded the full amount paid.  My bank advised that Ryanair debited my account originally in GBP therefore they should have refunded this amount in GBP.   I made an official complaint to Ryanair which they have rejected stating that I was in breach of their General Conditions of Carriage by not selecting the correct payment option.  I feel that because they did a currency conversion on payment and debited my account in GBP that they should have refunded the GBP amount that they took.   I also wonder how many others has this happened to and I smell a large rat. Could anyone offer any views on this, and/or if I have any comeback and where I could take it please?
    • So I received a further letter and a phone call from Ruthbridge yesterday offering a 70% discount and through a lot of waffle go on to say verbatim (I hung up the phone without admitting who I am):   "If you fail to contact us... we may return the account to our client (cabot?) who may look at alternative activity"   I'm guessing they know it's SB then as there is no reference to court, however they do state that the credit reference agencies will be updated to reflect "partially settled" should I take advantage of their offer - there is no HSBC/Cabot/Ruthbridge account showing on any of my credit reports.   DX apologies if you take it as I am being difficult or dim, however I remain concerned that the CCA request does not contain the words "I do not acknowledge any debt" or similar and because only a debtor can apply for the CCA (as I'm led to believe) then sending for this in 2015 has reset the date of acknowledgement of the debt - has this ever been used by a DCA as an acknowledgement of the debt?   Furthermore with the 2015 letters and 2020 letter having completely different amounts allegedly owed and reference numbers that differ from the original letters from Cabot and the CCA supplied back in 2016 this is giving me a further level of concern over the best course of action.
    • Hi everyone   Just want to say hello as a new member. Looking forward to reading, learning and hopefully participating in the forum.   C
    • Hi. Yes I want to keep the vehicle. I shall get my head around the upload procedure.   Thank you   Cheers
    • Yes the car was registered at the address and I was living there. 
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Blackhorse personal loan for car

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Hi just wondering can anyone assist or have had similar issue:


I purchased a hp car after 6 months and faults i returned the car and wanted to upgrade to a bigger car. However i could not obtain finance


was advised that if i got another family member they could try that.

my sister went with me and they obtained what we were told was finance and that there was £2000 negative equity from the car i had returned and that this would be added onto the monthly payments.


We also purchased gap insurance and were advised that everything was the same only difference was the amount.


We were even advised that we could come back half way or in a few years and upgrade again.


I have never received a letter, email statement at all in the 30 months i have had the car.


To my shock i decided to trade up as i had been told i could so

i contacted blackhorse who said yes this could be done as long as i paid 1400.


After one week and getting the money i again contacted them only to be told this was a PERSONAL FIXED SUM LOAN!!!


This was not what i had agreed to.

I brought back a hire purchase car and was told that everything was the same.

O and blackhorse said they sent 2 statements of which i have yet to see.


I would never have taken a loan for a second hand car and did not know that it was even possible to go into a showroom and get a loan.


They were fully aware of my circumstances and wishes given that i was returning a car on hp which was not suitable! They never advises us off the change, yes we signed paperwork but on the basis of the sale team telling us everything was the same.


My understanding also was that GAP insurance only covered for the fall in car value not for a personal loan?


To add during this time i have since taken another car out and it is hp with the same dealer with the same instructions as before.


I truly believed and was advised that they all were the same until now obviously.


Any help would be great

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