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    • First of all welcome to the Forum. Do not worry about Drips+ -a dead sheep has more power so do not let them bother you and never contact them. It is a pity that you wrote to PE  which would be perfectly normal, except with crooks like PE  as you may have revealed you were the driver. You have lost the protection of POF A but it is not a fatal. Please do not even think of paying a penny. The amount may go higher in the short term but when the poor dears do not hear from you they get worried ( because they think to won't pay) do they start sending begging letters and reduce the amount owed.I One of the Site Team will be along shortly and give you a template to fill in which helps us to give you the best advice should they not give up. Just complete the form and post up photos of the signs at the entrance to the hotel and others around the car park and the terms on their ticket machine if there is one.
    • HI   You took possession of the Property in 2010 but when did you end the Tenancy Agreement?   Did you give them the required Notice to end your Tenancy?   You mention you paid a Deposit in 2010, was this returned when you ended the Tenancy?   You need to know exactly what they are claiming money owed is for and surprised that solicitors letter does not mention this.   Send the Landlord a Subject Access Request (SAR) asking for 'ALL DATA'  (ensure to send a copy to the Solicitor acting for them as well. 
    • yes only court...   can I confirm this was settled via Barclaycard and chargeback as it was a debit card, rather than section 75 via a creditcard?  
    • Hi   Sorry for the delay in getting back to you don't worry we have not forgot you.   So they have destroyed ALL DATA personal to you as you did not take the Property. (really they have put there foot in it)   If they hold no personal data then they have NO evidence of what was agreed to with your Holding Deposit and the refusal to return it.   Now if it was me I would let them drop themselves in it even further by responding to there SAR response.   Thank you for your SAR Response dated XX/XX/2019   Due to this response I require clarification of the following:   1. Have you followed the Data Protection Act 2018 & General Data Protection Regulations on Destroying My Personal Data?   2. If you have Destroyed All My Personal Data then what documentation do you hold that I have signed/agreed to the Holding Deposit being Non-Refundable and to provide copies of this documentation.   3. I require a copy of your Policy on Holding Deposits   Please bear in mind the above is what I would do.   I do think it is looking like you may have to go down the court route (make sure and have a good read of that link I previously gave you to the Tenants Fee Act).
    • HI   Firstly the parking in front of your drive, do you have a pavement with a Drop Kerb in front of your property to access your driveway, if so are they infringing on the Drop Kerb? (note your can ask the council to to paint a white line with lines at the end on the road in front of the drop kerb please note there may be a cost from the council to do so)   As for the CCTV look at this ICO link: https://ico.org.uk/your-data-matters/domestic-cctv-systems-guidance-for-people-using-cctv/   Due to the new DPA/GDPR if you have CCTV on your Property and it views outside of that Properties Bounderies they then need to register as a Data Controller with the ICO.   So I would make a Formal Complaint in writing to the Councils Data Controller, ICO (specifically asking if this individual is Registered with them as a Data Controller) & Police, you need to keep a good paper trail of this individuals actions.   I hope this individual knows the Law on Harassment as from your thread that is the impression I get is no matter what you do they will find something else to complaint about.  
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UKDomains

Blue Motor Finance driving me nuts with over- payment

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Need some advice, and a fresh set of eyes as I feel like I'm getting nowhere with Blue Motor Finance.

 

I have a car financed through Blue Motor, in April I offered them a lump sump of money to bring down my monthly payments to them:

 

According the the partial settlement letter they sent me on the 12th of April 2019:

 

Quote

Thank you for your recent enquiry. You have indicated that you would like to make a partial settlement of £2,000.00 on or before 12th May 2019. If you do this the term of your agreement will remain the same and your monthly repayments will be reduced. In addition to the partial settlement you must still continue to make your contractual instalment payments.

 

This is detailed below: Partial Settlement Contractual Instalments

Outstanding Balance: £7,660.15

Partial Settlement: £2,000.00 :

Interest Rebate: £697.20

Monthly instalments: 44 x £110.29

Resulting Balance: £4,962.95

Final Instalment (including Document Fee): £110.19

This quote is valid for 28 days.  Please note that if you wish to accept this quote, we require full payment within this period. 

 

They advised me that the next payment due on the 15th of April would be the normal amount of £167.66 and then the month thereafter it would be £110.29

So I paid the £2000 into their bank account they had given me, and then on the 14th of May they kept on taking the £166.67 instead of the £110.29 as the letter stated.

 

I had to ring up as they would not talk about my account via email, and I got some excuse about how my settlement letter stated that this would happen, which I replied the letter doesn't state that, so the lady looked up the letter on the system and said "oh somehow the system did not generate that bit" and how it was company policy that after a settlement was done the next month's payment would remain the same and then change the month thereafter.

 

She did not understand that the settlement letter, generated the 12th of April, would take into account the normal payment 3 days later, and then May's payment would be later.

 

I asked how many payments do I have left: Answer: 44.

I even tried to walk through the payments I still need to make, ie 44 monthly payments of £110.29, plus the £166.67 payment made in May, equals £5019.43, and not the £4 962.95 they say is now outstanding, which was generated before my April's payment.

 

I asked for it to be escalated into a complaint as her explanations made no sense at all, and you can't come and tell me the system did not generate the offer letter properly, which I accepted and made the partial settlement payment based on this offer letter.

 

I will apparently be contacted within 5 business days by someone in the complaints team.

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send them an sar.

then find their mistake in writing and point it out to them.

make sure they also don't trash your credit file.

 

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

spreadsheets 

 

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They can’t, I’m ahead on payments. They owe me £56

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what they should do is recalculate your balance and adjust the monthly payments to take into account the payments made since this quotation.

the quote was a true reflection of  the 12th april so the illustration was right at that time, they now need to adjust things to take into account the new payments and info to normalise the dates etc

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Posted (edited)

Just a small update on this saga with Blue Motor Finance. They looked into my complaint, wrote to me saying their figures were correct, but as a “gesture of goodwill” were refunding me £56. Yeah right....

 

Direct Debit was altered to reflect the £110 to be paid each month, £56 refunded into my bank account. Result I thought...not.

 

Yesterday received a text message and phone call from their collections team, telling me I was behind on my payments and that I owed them £56.

😡

 

Took the wind out of the woman’s sails when I told her the whole story, was put on hold for 10 minutes while she spoke to head office, came back to me to say head office will get back to me, which they never did.

 

left her with a warning to put on my notes that if they put a late payment marker on my credit file because of this, I will be taking them to court.

Edited by UKDomains
Typo

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