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    • I am a University Student looking to rent accommodation along with three other Students We found a four bedroomed flat and called the Letting Agent to say we were very interested We had a viewing and raised some questions We wanted to check if there was a break clause in the Lease The Letting Agent said we would need to pay a Holding Deposit whilst he waited for the Landlady to return from Holiday So we paid £750 split between the four of us to the Letting Agent We then received an email to say the Holding Deposit was non refundable References were then checked and the tenancy Agreement arrived which needed to be signed by each guarantor and tenant and send back the full signed agreement At this point we got to see the Tenancy Agreement for the first time and the break clause of 6 months was nowhere to be seen so this made us very nervous and we decided to pull out as we felt we didn’t want the risk of not being allowed to leave the property until a full year was up We emailed the Letting Agent who replied with the following: The holding deposit is not refundable as you are withdrawing from this deal. I will need a confirmation from Everyone that they are withdrawing and we will put the property back on the market.   The move in date is on the 4th Sept and the landlady is left with a very short time to find another tenant.    This will incur a lot of extra cost from both us as an agency and the landlady which we will try to recover. So, my question is are we eligible to get a refund of our Holding Deposit – bearing in mind we were not told we wouldn’t get it back until after we had paid it?
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    • Hi Everyone. With the deadline for claiming PPI coming up I thought I better make one last attempt. Couple of quick questions though.. 1. I tried claiming with RBS about 5 years ago and they rejected my claim. Is there any point trying again? 2. I was going to use a company as I'm getting bombarded with "last chance" emails, but I probably don't want to do that as I've always done my own thing. That said, if I make my "Find out if you had PPI" enquiry online, does that mean I'm in before the deadline, or do I actually have to make a complaint before the 29th Aug?   Many thanks for any advice/ help
    • Har dee har har! Thanks! Im 3k apart . I need help so they drop the 3 k. But you got that! kr escaped!
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drob

moneybarn VT..being obstructive **WON+REFUND**

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As i understand it I can Voluntary Termination at any time but will be liable to 50% of the total agreement.

 

I intend to VT my HP agreement however I am £93.00 away from 50%.

If I send notification of VT on Monday along with a cheque for £93.00 would this be accepted?

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Others will come and give you more knowledgeable answers, but why don't you play it safe. Pay in the cheque and then when you know it has cleared then VT. All you need is one error such as it goes astray or it bounces – for whatever reason – and suddenly you find yourself in difficulty. Why play it so close to the line?


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Thank you for your reply ....

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You dont have to have paid over 50% before you can vt!!

 

Read this thread

Use our letter included

Whos the creditor?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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The creditor is Moneybarn ... I have a payment of £195.00 due to go out on the 15th but wanted to VT before the payment goes out.

 

My plan was to send the VT letter on Monday and then cancel my DD before the 15th.

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Guessed it was

 

They are the pits

Read these threads

https://cse.google.co.uk/cse?cx=partner-pub-0964707606882478:652l7hswbgv&ie=UTF-8&q=Moneybarn+voluntary+VT&sa=Search+CAG

Yes cancel payment wont hurt VT


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Retitled and moved to moneybarn forum


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thank you for your help. I will just have to wait to see if Moneybarn want to play games?!????

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Well they cant!!

 

But they are thick anyway and dont understand VT

Read those threads

Be prepared

They can charge nothing more than the money owed to VT threshold


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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My plan is to send the VT letter by recorded delivery on Monday and via email.

 

Once they have signed for the VT letter on the Tuesday I then want to cancel the Direct Debit which is due to go out on Friday 15th June.

 

I estimate that I will have to pay £93.00 to bring payments to 50%.

 

shall i enclose a cheque or wait for a final bill from Moneybarn?

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Not via email

Save money use 1st class with free proof of posting from a po counter

You only have to prove you sent it

Do NOT change the sording of our VT letter

Cancel dd now make no odds to leave it running in case they try to snatch money

Do NOT inc any payment with the letter no indicate what you owe or that it will be paid..none of their business to know that


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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VOLUNTARY TERMINATION OF AGREEMENT UNDER S99/100 CCA 1974

.

Account No: (xxxxxxx)

.

Dear Sir,

I am writing to notify you that I am exercising my right to terminate the above Agreement

under Section 99 of the consumer credit act1974.

.

You will understand that the aforementioned section permits the debtor to terminate the agreement

at any time before the last payment is due.

.

There is no restriction regarding the exercising this statutory right,

particularly none in respect of any perceived arrears or monies due on termination

.

I understand that I shall be liable to you for the amount calculated under the formula in Section 100

of the Consumer Credit Act 1974.

.

**As I have/have not paid more than the amount calculated under the formula in Section 100 the amount due is £XXXX/zero.

.

The above agreement will be terminated 14 days from the date of this notice.

.

Please send me details of how the vehicle can be returned to you.

.

You will be aware that statute prevents you from levying a charge for the recovery of this vehicle;

guidelines also state that if you require me to deliver this vehicle

it must be no more than a short (reasonable distance) from my registered address.

.

Please confirm receipt of this request in writing within 7 days of receipt.

 

 

Why do I give 14 days notice? I was on the understanding that once you have given notice then that's that.

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enter £93 then

 

its terminated regardless not a problem

there is still only £93 due


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Re: V5 Registration Document

 

I am about to send my VT Notice off to Moneybarn.

 

What do I do with the V5 Registration Document?

 

Do I transfer the ownership to Moneybarn once they have acknowledged the VT?

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no you do it now

and keep that yellow? slip tpp


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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https://cse.google.co.uk/cse?cx=partner-pub-0964707606882478:652l7hswbgv&ie=UTF-8&q=moneybarn+VT+voluntary+termination&sa=Search+CAG

 

pers i'd scan it before you send it

get free proof of posting from the PO counter on ANYTHING you send MB or the DVLA

read the threads I've linked too

 

moved to the moneybarn forum and retitled

have you taken pix and video using a selfie stick UNDER THE car

in the engine Comp

Boot Inside etc etc

close 1080p of the body work too


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Yes, I will send it recorded delivery.

 

I have had no issues with Moneybarn, YET apart from the extortionate 60% apr, however I can see them being awkward regarding the VT.

 

I have taken lots of pictures (date stamped) but no videos yet.

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you don't need recorded

don't waste money

all by law you need is record you sent things

hence why I said use Free Proof of posting from the PO counter in post above

 

thread tidied


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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The yellow slip (V5C/3) has a declaration that must be signed by both the registered keeper and the motor trader, finance company, insurer or auctioneer. The registered keeper must then return it to the DVLA.

 

i take it that whoever collects the vehicle must sign the yellow slip and that I can't inform the DVLA until the collection date?

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ok

 

you don't need to keep hitting reply with quote

I know what I said

just type in the box..


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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So, sent my VT notice off last week and Moneybarn have sent me an email today. It looks like things are going smoothly so far, so let's hope I haven't spoken too soon!

 

 

Dear drob,

 

Your contact details will now be passed to a company called BCA (British Car Auctions) who will contact you directly to arrange the inspection and collection of the vehicle, which we will agree to carry out free of charge. Please note they will be only able to inspect and collect between the hours of 9am until 5pm weekdays only.

 

BCA will now contact you within the next 2 working days to arrange the appointment and the appointment must be carried out within a period of 7 days from them contacting you. Failure to action this will mean the appointment of recovery agents, the cost of which would be billed to your account.

 

If you wish to contact BCA you can phone them on 0333 2414 208.

 

Please note that you must keep the vehicle fully taxed and insured until it has been returned.

 

You are required to also return the following items.

 

1. The Registration Document know as a V5

2. Service History Book / With FULL service record to Manufacturers schedule

3. MOT certificate if applicable

4. Spare keys

5. Sat Nav Disc if applicable

 

Please note that if you fail to return any of the above items, we will charge you for costs incurred in replacing them. Please be advised we are able to claim from you any loss we suffer as a result of your failure to take reasonable care of the vehicle and service the car to the manufacturer’s recommendations.

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Well they cant cha rge anything

Dont forget video it everywhere

Under as well


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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funny how they start to try & sneak in terms & conditions

 

1. Please note that you must keep the vehicle fully taxed until it has been returned. (Being kept off the road and will be SWORN on 28th of this month)

 

2. Please note that if you fail to return any of the above items, we will charge you for costs incurred in replacing them. Please be advised we are able to claim from you any loss we suffer as a result of your failure to take reasonable care of the vehicle and service the car to the manufacturer’s recommendations. (Open to interpretation)

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So, BCA (British Car Auctions) are collecting the vehicle on 4th July.

 

BCA said make sure there is fuel in the car and that it has car tax!!

a) Car Tax runs out on 1st July and I am not renewing just for them! plus I have already transferred the car back to Monerybarn.

b) They can pay for there own fuel!!

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