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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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      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.
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MOD choose The Royal British Legion to lead help for veterans

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MOD choose The Royal British Legion to lead help for veterans


The Ministry of Defence (MOD) has announced that the Covenant Fund will work with Royal British Legion (RBL) and other charities to set up a one-stop service to better support the UK’s Armed Forces veterans community.


The £2 million Veterans Gateway programme will help veterans find and access advice and support on a broad range of issues, including healthcare and housing


The new service will provide a 24/7 phone number, with an empathetic and professional voice at the end of the line, a dedicated website and a mobile app to make it easier for former service personnel to access support on a range of issues including housing, employability and health.


READ MORE HERE: https://www.gov.uk/government/news/mod-choose-the-royal-british-legion-to-lead-help-for-veterans

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