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    • Yes, The Motor Ombudsman. To be honest, I don't know a huge amount about how exactly they operate. It was just the route I was recommended. I've been in touch with one of their board of directors to get more answers about my case, and it was exactly what I'd feared, so am trying to investigate as much as possible myself to find out exactly who can be held financially accountable to either provide them with those details and/or know who to take to court.   Whole story is quite long, but essentially I purchased the vehicle back in January 2018. Within a week faults became apparent - faults that they knew about but said it was just a 'dash light malfunction' and it would be fixed before they handed it over.   Took it back to them to fix once I realised I couldn't drive it in that condition. They had it for a week or two despite calling me a couple times to say it was ready to pick up. Finally got it back and had the same gearbox issues but even worse. Took the car to another garage who estimated damages to be £2500+, so took the car back and requested refund. That kicked off the whole process and of course they denied refund saying I should go through their 'warranty program', which wouldn't cover it all anyways.    I then took it to TMO, who then decided I needed to get another opinion so we went straight to a VW specialist as the car was VW - they estimated min £3000. Resubmitted that to TMO and it's been ongoing.    Received a final decision on 01 Feb 2019 in my favour granting full refund, but I have had no contact or update since then, despite attempting to call and email numerous times.   I've brought my case to the attention of two MPs, however imagine they are extremely busy at the moment given the current climate.   I have then called Citizen's Advice to find out what further steps I can take, and they've recommended small claims court.   I wanted to get all the information from TMO first before I consider/start going down this route so I've reached out via LinkedIn to some of the board of directors for TMO which has been successful and I've actually received an update, although it's what I feared and expected. That said, he assured me they would be meeting about it today to investigate further who can be held accountable/whether they're still trading, etc. I can't trust a speedy investigation given it's been 28 months already so I'm now trying to look into it to find more information.   I gather the parent and registered company is under Crown Motors Direct Limited, which might be owned by Ahmed Al-Waheeb and/or Nadjeem Kheloufi. They do still look to be actively trading locally under Chobham Central Garage. I've been in touch enquiring about a car and asked for Nadjeem, who they said I must mean 'Nathan'.    On companycheck it reckons the below, this is the company linked to director Ahmed Al-Waheeb. Not sure how reliable that information is.   Another interesting link is https://beta.companieshouse.gov.uk/company/09967993/filing-history - confirmation statement was made on 31 Jan 2020, and 17 Jan director Ahmed changed his DOB and address.
    • Getting to the point of my post, I took an Egg loan for £4000 in February 2001, paid it for 7 months before becoming unemployed and defaulting on the loan. Much happened at this time and I ended up moving a lot as well as being technically homeless.   I finally got settled and entered into an IVA with Eversheds for £5.00 per month in June 2005 and have since been making payments.   My issue is that having paid over £2,900 the balance is still in the region of £3,147.86!   I DSAR'd Egg back in 2011 and have the information in the attached PDF. According, to their own information they defaulted me 29/04/02 when the balance was £3,697.39 and marked non-acrr. The balance remained the same, or at least no changes shown until 20/11/02 when a £60 "Waive Fee" and £226.04 "Bad Debt Charge Off" fee increasing the balance to £3,983.43   Next change is when the loan account is sold to Arrow and the balance becomes £4,859.43!   Opinions and advice very welcome!   PDF Doc via Google Drive https://drive.google.com/file/d/1b39Rq3YZm7CdXDl8p_tITqf5aR5fckVp/view?usp=sharing        
    • agreed, you need a wills and probate experienced lawyer, don't try and do it using a self serve will kit, they're not much use at all.
    • When you say TMO, I suppose that you are referring to The Motoring Ombudsman. I don't know very much about them and I don't know whether their decisions can be enforced directly in the County Court. I will have a look. Meanwhile, please can you tell us the whole story of what has happened and the value of this problem. Even with small claims – you can win but you can still have difficulty enforcing the judgement and that could well be the case here. Do they have a premises? Do they have vehicles there? I'm asking this question is because I'm trying to find out if they have assets against which a judgement could be enforced – and I mean assets which wouldn't simply disappear
    • The airline says it will cover 75% of route network in August, but the number of daily services will be low. View the full article
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rleon vs Woolwich + L&G Life Insurance

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I paid off my Woolwich Mortgage earlier this year, but payments to Legal and General continued.


Like a lot of people I thought this was an insurance policy which would pay off the mortgage in case of death, and that it was compulsory.


It turns out neither fact may be true. Apparently *some* banks require a policy *sometimes*, but I have no idea if the Woolwich was ever one of them.


And the payout would be to my next of kin - an unlikely outcome, because I'm single with no dependents and no surviving blood relatives.


I've made contact with L&G but the only signed document they can send me is a medical release form. They don't seem to have - or haven't been able to find - a direct debit authority, or any other application form.


Apparently a capital management company was also involved, and they would have signed paperwork.


(Or maybe not.)


The mortgage was taken out more than ten years ago, so the traditional PPI term has expired. But I'm not sure this is traditional PPI.


Has anyone been in a similar situation and had success reclaiming these payments?

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so its some kind of life policy.


you say payments are continuing?

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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I stopped them when I paid off the mortgage.


It clearly *is* some kind of life policy,

which rather incidentally tracks the mortgage sum remaining.



When I phoned to cancel I was asked if I wanted to continue, to guarantee a payout to my (non-existent) dependents in case of death - even though there was no longer a mortgage outstanding.


So it seems this was a policy solely in my name,

with next of kin as beneficiaries,

and the Woolwich were only involved to the extent that the paperwork for this policy was put in front of me when I signed the mortgage agreement.


My partner had the same policy in place - also on a Woolwich mortgage - so we're curious about the possibility of misselling.

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why not go ring you bank and see if they'll entertain a DD guarantee refund of every payment?

I know it sounds weird

but its worked before

if there was no DD mandate then its covered by the DD guarantee

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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Hi Rleon,


Did you redeem the mortgage on the due date or was it paid off early ?


My first guess would be this is a policy on your life protecting the balance owed on a mgge if you died. It could be a reducing capital sum for a normal repayment mortgage, or a fixed sum for an interest-only mortgage.


You may be able to "convert" the policy so it continues to cover your life, perhaps on a reducing basis over the years. Even if you've stopped paying the monthly premiums, you may be able to reinstate it if less than 12 months have passed from the last payment.


To get the info you need, perhaps a letter to L&G is the best action.


Ask them to :-


1. Confirm the nature of the policy.


2. Confirm if you can continue to fund the policy.


3. If so, on what terms.



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