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    • As I recall the only thing you tried telling us was based on a quote that you selectively edited by Lord James of Blackheath. You misrepresented it as a statement of fact when it was actually a question which was laughed at by his peers in the House of Lords.  We told you it was garbage, you asked us to prove it and we did.   Remember?
    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
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Moneybarn VT Questions

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Hi Guys,

 

Firstly, great site and specifically great advice within the MoneyBarn section.

 

I currently have a 60 month agreement with them on a 2012 Insignia. I have been given the option to have a company car and intend to accept this. However it leaves me with the issue of getting out of the Moneybarn finance agreement.

 

I have spoken to them today and they have informed me that I have two options;

- Early Settlement - £6,720.09 to pay and I'll own the car

- Voluntary Termination - £2,237.20 to pay + any extra's them deem to be outside of general W&T etc.

 

Having read through a few threads on here I understand they cannot charge certain things, however my issue is surrounding the following;

- V5 Document (Never received it)

- Service Records

 

As highlighted above, I have never received the V5, however I can send off for a replacement at a cost of £25 which I assume is less than what they will charge but will take 2-3 weeks I imagine? Can anyone clarify this?

 

Service Records, I have not had the card serviced by a garage since I have owned it. I have replaced oil and filters etc myself. I assume this will incur and additional fee as there is nothing recorded within the Service book. Can they actually charge me for this?

 

Finally, the car requires replacement rear discs and pads, would it be wise to get these replaced now as they are noticeably fading in performance. I can get these done at a cost of £160.00, however I assume the cost from Moneybarn or their agents will be much more?

 

Basically i am asking if the above specified points can be charged by Moneybarn? Or if these are the points that many people on the site are saying are not enforceable.

 

Look forward to hearing back, thanks in advance.

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Do a vt

They cant charge you for those things


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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Heard from MB following on from the VT letter, they are sending BCA to collect and inspect etc.

 

However I have also noticed that the rear brakes are beginning to grind a little. They certainly need replacing, can they charge me for this?

 

Apologies for the similar questions, I am just trying to preempt my arguments should they attempt to charge me for scratches, marks etc.

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nope

fair W&T prevails


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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