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I'm in the process of voluntary termination of my moneybarn agreement, in accordance with secion 99(1) of the Consumer Credit Act 1974.


I have returned the vehicle, it was collected by a 3rd party on behalf of MB, in driveable condition with fa8ir wear and tear condition. 

Their report states that the condition was "Average" (The options were Good, Average and Poor).


I have paid more than 50% and recently, before starting the VT process spent £700 to make sure car is roadworthy (gearbox repairs).

I am £880 over the 50% mark.


Today I've received final billing letter estimating body repairs at over £1,300 (the bodywork is fine - peeling lacquer and alloy wheels would need refurb though).

I've purchased the car at 7 years old with over 80k miles, through National Car Credit (pretty sure I've seen another topic on here about them).

The car is now more than 10 years old, and I did take pictures + videos of the car before it was collected.



I've had a payment holiday through April and May (which I don't dispute and will willingly cover the amount that they're asking for this payment holiday term)

I'm not okay with covering the bodywork repairs for a car that is over 10 years old and wasn't excellent condition the day I've purchased it.

It came with no service history book and only one key (on my own expense I've purchased another one and had it programmed)


No arrears on the account, no missed payments (just 2 month agreed payment holiday - between myself and MB) which I'm okay to cover.

Given the car back in drive-able condition (it was very noisy the week before it was collected, hence why I've spent money on repairs) half of tank of petrol, kept tax up to the day it was collected.


Advice would be appreciated, thank you.



I can't pm you as I haven't got enough posts on here, but if you'd like more details and see what has been sent and see the responses please PM me.




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Posted (edited)

Same issues as :

also spent ££ to have mechanical failures fixed


will have a read

Edited by raffXV
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you dont owe anything

and should not have paid for the work you had done

not your problem

they own the car.

if things go wrong that are not fair W&T they should be paying to have kept it on the road.


and don't get stung with any collection fee either.


stand your ground


remind them you have spent £100's in keeping the car on the road when that was their responsibility not yours too if they get shirty.


i know of one case that i believe MB got the owner in may to sign a gagging order on after they eventually agreed a VT.


he'd spend £1800 on the car when the faults were not his problem

MB took him to court

they lost and had to pay the guy his £1800 back




please don't hit Quote...just type we know what we said earlier..


DCA's view debtors as suckers, marks and mugs


NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..


If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 



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