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    • So ,  after sending a letter refusing to accept the refund that was offered i received a phone call yesterday and an email that sums up the conversation i had. I have copied this below.  Good morning Mr Thank you for your email received on 16 August 2019.I’m sorry you disagree with our calculations and felt that my colleague didn’t listen to you.  I understand you don’t want us to make any accountadjustment or accept our proposed solution, until we look at everything again for you.We’re committed to providing our customers with the highest quality services, so I’ll do all I can to help you and put this right.I’m pleased we had the opportunity to talk about your concerns and decide on the best way forward.  As we agreed, here’s a summary of the issues wetalked about:· You requested details of your metered bills and payments (I’ve attached these to this email).· You don’t want to accept the solution we offered, of billing you on our ‘assessed charge’ tariff.· You don’t want to accept the goodwill payment offered £220.00 and feel you could have built your extension 2 years earlier, if we hadn’t charged youtoo much. · The meter readings we billed you for include water used at 74 Scotchman Lane, because you have a shared supply pipe.· You’d like 50% of your water and sewerage volume charges refunding to resolve this.· You’d like interest on your overpayment calculated accurately and based on 8% (not the Bank of England base rate).· You spoke to our technician and you said he advised it would be easy to alter your private pipework, so a meter can be fitted just for your home.· You prefer to pay a metered charge.· I’ll look into the points you’ve raised, and I’ll do all I can to work towards an amicable solution with you.I’ve taken the first step and I’m pleased to confirm that we’ve arranged a meter survey to be carried out on 6 September 2019 (arriving between 10amand 12 noon).  This survey will be done by our service partner ‘Morrison Utilities’, and they can estimate what it will cost you to have the pipeworkaltered, so a meter can be fitted.  Once I have the results of their visit,I’ll give you a call so we can talk about our next step.After we reach a solution and agree how you’ll be billed, I’ll be happy to work out a new interest calculation for you.  We use the Bank of England baserate and this won’t be changed, but I’ll be happy to renegotiate a final settlement figure with you.  If we pay interest, this will be subject to current HMRCtaxation rules.I assure you, I’ll keep an eye on your account and update you on each step we take.  I’ll call you again by 13 September 2019 about our progress.In the meantime, if you’d like to talk to me, please call me on 01274 318452 and I’ll be happy to help.  If I’m not available you’ll be able to talk toa colleague or leave a message.Regards   Personally i am not happy with the email especially as I didnt mention that i would pay for any pipework to be altered. He did say to me on the phone that the pipes after the boundary are ours and therefore our responsibility. I did then point out that if this was the case then there is nothing to stop me cutting and capping the pipe after it enters my property.    I am now going to try work out what the refund with 8% interest is from the figures he has provided.
    • Looking at the thread Im guessing theyre SB?
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crispybacon

Moneybarn VT advice **SUCCESSFUL**

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Hi All

 

I have a car financed with Moneybarn that I am looking to VT and just want some advice.

 

I have almost paid 50%, and I know I can VT before I have paid 50%, however the next payment in September would take me over the 50% anyway.

 

Question number 1 - if I VT now, the money I would have to pay to make the 50% would be less than what I would pay if I waited until the September payment was made.

 

Obviously on that basis I VT, but reading peoples experience on the forum I'm concerned Moneybarn will want the money to make up the 50% and then demand the next contractual payment so are they legally able to do this as I thought statute law has precedent over contract law so as long as I pay the 50% they can't demand the next payment is that correct?

 

Next question - the car is due a service, so do I get it serviced before VT'ing the car as no doubt Moneybarn would then make a claim I had not taken reasonable care of the goods.

 

To put this in context I have invoices proving I have had the car repaired and serviced in the time I have owned it (2.5 years and have paid a LOT in maintenance), but sods law needs a service now - I just resent paying £££'s for a service on a car I'm not going to see again.

 

Thanks for any advice!

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No just vt

No need for next payment nor service


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Thanks DX

 

 

VT Letter has now been sent, I'll let you know how Moneybarn respond.

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ok follow the other MB VT threads here

don't forget

they cant charge you any extras!!

 

don't forget to take loads of pixs and video esp under the car and body work


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coming home this morning and the engine management light has come on.

Took it straight to a garage and showing an intermittent fault that may be due to a sensor.

 

Does this affect the VT process?

Could Moneybarn refuse to accept the car with this issue?

Don't really want to cough up more money for a car I've already sent a VT letter for.

Edited by dx100uk
swearing spacing

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nope not your problem

1. it shouldnt go wrong anyway [re consumer rights act]

2. its their car their problem.


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Update:

 

 

Received the following from Moneybarn, already they are trying to take the position they can claim for loss if there is not a full service schedule.

 

 

 

Dear xxxxxxx

AGREEMENT NUMBER xxxxxxxx

REGISTRATION NUMBER xxxxxxxxxx

We received your notice of termination for the above agreement on xxxx August 2018.

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.

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.

IMPORTANT NOTE: REMOVAL OF PERSONAL DATA

Please ensure you remove all evidence of personal data which may be left in the vehicle or on electronic devices fitted to the vehicle prior to return.

I look forward to hearing from you shortly. You may contact me on 0330 555 1520, or email me on assetmanagement@moneybarn.com.

Yours sincerely

 

 

The Asset Management Team

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Thats mb for ya...


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Car was collected last week, V5 has been sent to Moneybarn, have proof of postage.

 

Had a bit of luck as engine management light had gone out again so no worries about that.

Guy who collected the car was impressed with its condition commented on how quiet the engine was, especially for its age and mileage.

Only a couple of chips and scratches, and some marks on alloys but nothing beyond reasonable for age.

 

Will see now how/if MB will try to stiff me over.

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so all fair W&T then

this could be fund.

 

I was reading a thread on a motoring forum [don't know which] due the last 3.5weeks I've been on a touring trip that the mrs had found...

 

MB wanted to charge this guy £38 for missing numberplate fixing as he had put hid personalised number plate on the car and re-reg'd, then put it back just before he Vt'd it.

the car was brand new at purchase and he had only had it 4mts when he received a very large inheritance.


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Been over two weeks since car was returned, heard nothing from Moneybarn yet.

 

I've been keeping an eye on the BCA website and haven't seen it come up for sale there yet either.

 

If/when it does appear on BCA website I'll be keeping an eye on the auction date because if Moneybarn try to claim money for a 'polish' I'll be contesting that as car was sparkling when it was picked up (with photos to prove), so if it was sat in a yard for over 2 weeks then that'd be their problem if it needed cleaning afterwards.

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they cant stop fretting.

 

the CCA clearly states this


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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

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Finally receive letter from MB stating that final balance is in process of being calculated.

 

 

I've checked BCA website, vehicle is now listed, and is apparently a 'grade 2' on their condition report (1 being best, 5 being worst), so can't see on this basis they could claim nothing worse than fair wear and tear.

 

 

For amusement, this is what they state regards the final balance:

 

 

"In accordance with the terms and conditions of your agreement, various charges may be applied to your account before the final balance can be established. These may include:

 

  • Replacement V5 admin fee
  • Replacement keys fee
  • Personalized plate retention fee
  • Repairs or refurbishment fee
  • Loss of value (if you have not had the vehicle serviced to the manufacturers recommendation this will reduce the resale value of the vehicle)

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nope under the CCA they cant claim any of those...


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

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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

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Another letter from Moneybarn today.

 

 

They are pleased to inform me that it has been determined that no refurbishment will be required on the vehicle and it is now being released for sale at auction.

 

 

They also recommend I contact them to discuss interim payments to reduce the current account balance.

 

 

What is interesting is that they show the current account balance as the sum of the balance outstanding as if the finance agreement is still in place.

 

 

They then state another figure that they call 'Half rule obligation at this stage' which is less than one months payment (and obviously what I owe under S100 of CCA).

 

 

Its a poorly worded letter as it implies I still owe the outstanding balance of the finance (not the half rule obligation) unless they are operating on the basis that this is a VS not a VT.

 

 

I'll update when I get more letters!

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Hi All

 

 

Just an update and closure on this one.

 

 

Letter from Moneybarn today, only outstanding amount was the remaining finance to take up to the 50%. No silly deductions for condition, polishing, missing service history, nothing like that.

 

 

I know this is different to some others experience so perhaps I've been lucky but from my experience use the template letter provided on here for VT, and take LOTS of photos to prove condition of the car when you hand it back.

 

 

Good luck to anyone else going through the VT process!

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hey thanks CB for returning and letting us know.

 

glad to help..

 

dx


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

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