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    • Are you or do you wish to use the vehicle until we succeed with arguing and you succeed in VT?
    • Hi I hope all are ok in these trying times. I assume most of us will be in the same situation with employment etc.   I am obviously still intending to follow through my complaint against MB. However I do have to make decisions as I have found myself as will most people at this time left with a reduced minimal income, with all I can forsee is an impending up hill struggle for the forceable future.   So not sure what, if any options I still have, I am presuming VT was only an option earlier on and a court CO excludes that option,    I cant continue to honour the finance payments and cant even begin to estimate any timescales I would be again financially stable.   im trapped but want, no I need to get rid of MB all together, they can have the car and I learned the expensive way!   MB recently emailed a letter (which is copied below) in it they refer to a recent termination, this is the part that is very confusing as its my understanding they terminated the agreement in March 17.   They also inform they have placed the collections on hold, but then heres the cheeky bit, they do however want me to store the vehicle, tax and insure it, as per the agreement (the agreement that they already state was terminated) until they continue with their collection process;   Due to the Coronavirus (COVID-19) pandemic currently affecting the UK and wider world, we’re emailing to update you on what will now happen regarding the collection of your vehicle, following the termination of your Moneybarn vehicle finance agreement.   We won’t be collecting the vehicle at this time Normally, following termination of your agreement, we would arrange for an inspection and collection of the vehicle. However because of the current Government imposed lockdown, we are not currently able to collect vehicles until further notice.   What will happen next? Nothing for the moment. We’ll contact you as soon as there are any developments in the Government’s stance and we know that we’re able to resume our normal vehicle collection activity.   What do you need to do? We would appreciate if you can please keep the vehicle taxed and insured for the time being, as per the terms and conditions of your finance agreement. We hope this information is helpful and clear. Please stay safe and well, and if you need to contact us with any questions, please check out the latest information on the best way to reach us at   So they state termination, then expect to lay down instructions for me to comply with as per my finance agreement T&Cs. To look after the vehicle that they do intend to continue collection of.   If everythings terminated and in other words I have no right to the vehicle, Im not prepared to comply with instructions in line with a non existent agreement (I dont have to) and have a good mind to charge them storage.   However l would much rather just leave the car, send off V5 to change ownership and be done with it and concentrate on getting justice for their mistreatment.   
    • No it isn't funny, but there have been murmurs on Social media, dfesn't take much for twitterati and FaceBork to go off on one. Some in our area have been on about shooting the Goats in case they spread the virus, people in a panic are unpredictable.
    • If she has had a note from the NHS saying she is vulnerable and should shield, then she should stay at home, and there are special regulations for this   If not, she has choices a) go to work; asking for a copy of the risk assessment, and how she will be able to be at less risk than usual b) see a GP about her stress and get signed off c) resign   Lots of people are anxious about the current situation. Lots of people also work alone in offices or far away from people or at home.     What people don't get to do, is expect their employer to keep paying them in full, for no work, because they are anxious. So, she needs to choose. I think b) seems right for her, but tat's just based on what you have said, and no idea what her job is.
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Tawnyowl

Online Sellers-Where do you sell and why-Any Tips-Advice-Experience of this perhaps.

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Old Tawnyowl here with entrepreneurial adventure number 966.

For various reasons,a small heart attack a while ago and i suppose slowly aging i had to change my life around.

Could not do what i used to do.It hurts a little but just the way,i miss my life in the construction industry and the people and customers i met.To myself it was fun and looked forward to going to work each day for many hours.

 

I find now after a few hours i have a little pain,probably due to the medication.Hospital and doctors says i am ok.

At the time i did not go on the sick but struggled on after coming out of hospital,not one of my better ideas.

Developed another small ailment that trapped nerves in my back and shoulder and had no choice but to go on the sick.

Ended up at the medical centre for a assessment as many do.Being chirpy despite a little pain i received 0 point,fit to work.

I wanted to work,many of us have that drive,it feels good to have a little money for lifes essentials.

Such as food,warmth,heating,and perhaps if lucky a outing or two.

 

My small business at the time was one of the top reviewed in the country,and no trickery could take place,things were checked carefully.

Anyway after ending up at the job centre the week universal credit arrived in town i was accepted.

Just did not seem to fit in,tried telling them about my ailments,not to avoid work but to find something that fitted to my new life.Say maybe 4 or five hours a day.I feel in all honesty i would be tricking employers applying for many jobs as i would be found out.

Do you want to be a Kitchen Porter,a Taxi Driver,a Tram driver,Conductor.

Nothing wrong with those jobs but knew i would not cope and maybe the medical for some would find me out.

And my mind is funny ,i worry about what ifs.The idea of a weakened heart and moving the public about things like that.

Hundreds were applying anyway,younger,fitter and correct for the jobs.

I got along with the staff,not all of them but most.But just did not fit in it felt that way anyway.

Nobody seemed to listen.

 

Finally the greatest idea came,would you like to be a security guard perhaps,go on a course get a card.

You felt obliged to apply for any job which is the way i suppose.If you do not all hell could descend on you.

There is no doubt i felt intimidated and just walked out feeling absolutely useless.After enrolling.

Excuse me sir would you not mind grappling with me i have a heart condition and please do not hit me with that bottle you have just nicked,my blood is a little thin,never mind chasing anyone thoughts were going round my head.

 

I saw some sad things that people this day and age should not be going through.

Phoned them up before the course and said i am off to take a chance.

You cannot do that you need to see a adviser specially trained for self employment,a business plan and god knows what else.Fair enough for younger ones who have no experience and young but i am approaching 61 and have a little experience gained over 40 years.

 

Which before i go on any longer i will have to mention my thoughts of a Basic Income for all.

Many things will have to be ironed out but seems a idea fit for today,never mind the future.

A idea whose time has come.

A thread discussing this idea for those that like a good read perhaps with a few laughs.Not all is serious.

http://www.consumeractiongroup.co.uk/forum/showthread.php?461005-Basic-Income-Guarantee-Do-You-Like-The-Idea-Any-Views-Have-Your-Say.

 

Now where was i up to i have lost track.

It was now a few years since the old heart decided to give me a shock and slowly had started propagating and collecting things over these years with a rough plan.

To set up a online business and the odd car boot and sell a few things.

Registered with the tax man and away i went.It had to work or else.

Maybe a year now.

I know perhaps this seems a little funny but here are my adventures in car booting for those that have not read it.

http://www.consumeractiongroup.co.uk/forum/showthread.php?464368-Car-Boots-Dealers-Stories-People-i-meet-and-more-you-can-join-in.Your-story.

 

Now this is what i am doing.You have to be pretty tough in business,so many ups and downs.

My idea online is to probe away,looking for weaknesses in things i know about,like certain plants.And other things.Online and who is selling them and then try to get a market share.As big as possible with stock you have.And at a fair price with reasonable postage costs.

It is funny if that is the word watching them watching me trying to outmaneuver me,Cockneys,and people from around the country wanting their share which is right.I know i am having a little effect.

One line has now reached a,do not laugh,perhaps up to around 20 pound a week with much more potential next year.

So obviously i am now probing elsewhere.trying things,trying to beat my competitors,checking things out,looking for weaknesses in my competitors as in my plant business.

But with larger potential.

 

Get perhaps 15 lines selling reasonable and you can see ,well in my lifestyle i will be like a contented cat.

So this is where your expertise comes in for those selling online wherever.

I know we do not like giving away places where things are selling well.

But have you noticed some online sites weakening and people moving to other places.

Things change so fast nowadays.

Any tips for businesses who are just getting going,perhaps setting up your own website to cut costs a little.

Where are the up and coming areas to try.The places to open a website and how.Not everyone knows and could save days making mistakes when time is so important.

I have written so much now i do not know where i started from.

Hope it makes a little sense.

Bye for now.

Tawnyowl.

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