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    • Hi    another quick update   Just had my Mediation call and advised them that I do not have enough information from PRA to continue with the mediation.   The mediator relayed that  PRA confirmed they have sent me the agreement and statement and that PRA believe this is enough to determine that this is my debt.   PRA confirmed that they do not have the "default notice" but believe the information they provided is enough for the court   Now I will just wait for the court process to initiate and in the meantime i will continue to work on my statement   thanks    
    • Hi all,   just checked my credit report on Credit Karma, and I’ve had a search from ‘Lexusnexus’. do I need to be concerned? Since they are a data mining company from the states, is this the precursor to potential legal action?   H
    • Online part done. CCA and CPR - send recorded?
    • Hi,   Thanks for your reply.   Firstly I asked several times for a refund closer to the time I enrolled on the course and was told I could not have one due to the center paying for the course upfront. I did make it very clear that I was struggling with the course, however due to the center not being open when I could attend that I would not be able to finish it, also that due a change in job role I would be unable to make days when the center was open. However given that the center advertised several times it would be open late and on a weekend this was not honoured several times and yes I have a detailed log of this.    The entire cost of the course was over £3700 - I can get back to you with the exact amount once I am home as I have kept the recites   There was also an incident with the Sage course due to it having to be studied within the classroom - when I was able to get into the venue the package was not working and also the obvious reason for the center being closed.   The course was conducted via mixed methods, however when trying to complete the training online their system was not working, so could not be accessed whilst I was trying to study at home. I did phone the center about this at the time, however this was not remedied.   Thanks
    • First of all you should understand that this is going to be difficult – partly because you have left it so long, partly because of their franchise system it is very difficult to pin them down and finally because you have already said yourself that some of the reason for not completing the course is because of your own mental/emotional state. Your poor health at the time was very unfortunate – and I'm very sorry about that – but that is not something that you will be able to rely upon if you attempt to recover any money. In fact it would be in your best interests not to refer to this. Have you already brought this up with them? Could you please tell us how much the entire course cost. Also, you will need to give a fairly detailed chronology of the listed class times and the times that they were closed without giving you notice. We need to understand what impact these are notified closures had upon the total amount of allocated time. Was the course conducted mostly online or was it conducted with face-to-face contact at their classrooms?
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Hello.

I am 2 and a half years into a 4 year finance deal on my vehicle.

It is all up to date at the moment.

 

However I am changing job this month, but am going from self employed to full time employed and paid monthly. As I have no savings I will be going a whole month with no income so I am going to struggle to pay all my bills for this month.

 

Before I start talking to the finance company about this to try and come up with an agreement (which I don't think they will be keen to do) what are the legalities of me missing one payment?

I'm assuming they can't start repossession proceedings yet?

 

I'm hoping they will agree to take just a small token payment this month then make up the shortfall over the next two or three but if they try to play hardball where do I stand?

Thanks for any help.

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Can you ask your new employer for a salary advance (not the whole months payment but what you need for essentials?)

 

They might agree to (for example) 1/4 of the month’s money after you have worked 1/2 the month .....

You won’t be the first employee to be moving from weekly pay to monthly, and won’t be the last, so they may well have been asked for / done this previously.

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No idea but I'd rather not, then I'll just be short the following month and so on and so forth...

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They can't repo unless you miss 3 payments, issue a default notice and take you to court..you've paid more than 1/3rd..go READ your agreement...

 

Don't talk to them write only

Who are they?

What type of agreement?

 

Who is it


..

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oh god that lot

not got a braincell amongst them.

 

HP Agreement?


..

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Yes I'm pretty sure its HP, it was all arranged through the dealer i bought the car from.

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well they'd have to go to court and get a return of goods order

as the car is protected goods.

 

if they've levied any penalty fees you can get those back.

i'd just pay what you can when you can.


..

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Ok thanks. I think I'll write to them and enclose a small payment for this month and tell them they can have the rest over the next couple of payments.

With regard to penalty charges are you saying i can claim those back, even though it will say what they are somewhere in the agreement?

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no in the T&C's

and as we know with bank charges & PPI

doesn't matter the FCA has deemed them unfair.

 

have you read any threads here on Close Motor Finance?


..

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Not yet but i will get reading, thanks

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HI, I've recently paid off my car finance which was with Close Brothers Motor finance.

 

Over the period of the loan there were a few late payment administration charges charges added.

 

I remember someone saying its possible to claim these back?

Is that correct, and if so how should I go about it?

 

Thanks for any advice.

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Please can you give us far more detail about the level of the charges and the total amount


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I'm waiting ona final statement from them at the moment, they don't seem to be in any rush to supply it :roll:

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old and new threads merged for history.

 

dx


..

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