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    • good you've learned to copy and paste.. now you need to answer the questions.....   where each one says Give answer here click it & just type your answer   as for all your documents, emails, appeals/replies etc there is a fully detailed upload<<clickme guide redact anything like pcn/ref no's, addresses, reg no's, pcn,email addresses of YOURS (ie anything they can use to ID you on here) but LEAVE all times/dates costs etc
    • Wait and see what they offer you then.  As I said above, if they have made a mistake it is possible that they might decide not to proceed out of embarrassment, even if the error is not such as to disadvantage you.  They did in SpeedyCBR1100's case.  You might get lucky too.
    • f you have received a parking ticket or a letter concerning a parking ticket:   Firstly, please check whether this is a PENALTY charge Notice or a PARKING charge. If this is a PENALTY charge notice from a County Council or TfL , please click HERE   Do not ever use or give an email address to a private parking company or their dogs   Choose the relevant section below: WINDSCREEN OR ANPR [for ANPR there will be TWO PIX of entry/Exit] copy and paste the relevant questions section to a new reply msg box in YOUR TOPIC...answer each question at its end..hit send/post   For a windscreen ticket (Notice To Driver) please answer the following questions....   1 The date of infringement? Give answer here    2 Have you yet appealed to the parking company yet? [Y/N?] Give answer here YES   If you have then please post up whatever you sent and how you sent it and the date you sent it, suitably redacted. [as a PDF- follow the upload guide] By email Has there been a response? Give answer here   Please AS A PDFFILE  ONLY ..post it up as well, suitably redacted. - follow the upload guide]   If you haven't appealed yet - .........DONT ! seek advice on your topic first.   Have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] Give answer here   What date is on it? Give answer here   Did the NTK provide photographic evidence? Give answer here   [scan up BOTHSIDES to ONE PDF of the PCN and your NTK - follow the upload guide]   3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N?] Give answer here   4 If you appealed after receiving the NTK, did the parking company give you any information regarding the further appeals process? [it is well known that parking companies will reject any appeal whatever the circumstances] Give answer here   5 Who is the parking company? Give answer here   6. Where exactly [Carpark name and town] did you park? Give answer here   please do not put JPG Picture files into your post   .............................   For PCN's received through the post [ANPR camera capture] (must be received within 14 days from the Incident)   Please answer the following questions.   1 Date of the infringement Give answer here     2 Date on the NTK [this must have been received within 14 days from the 'offence' date] Give answer here   [scan up BOTH SIDES as ONE PDF- follow the upload guide] please do not put JPG Picture files into your post   3 Date received Give answer here   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Give answer here   5 Is there any photographic evidence of the event? Give answer here   6 Have you appealed? [Y/N?] post up your appeal] Give answer here   Have you had a response? [Y/N?] post it up Give answer here   7 Who is the parking company? Give answer here   8. Where exactly [carpark name and town] Give answer here   For either option, does it say which appeals body they operate under. Give answer here   There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   If you have received any other correspondence, please mention it here   Copy the windscreen or ANPR section to your thread and answer the questions... …….... In either case scan up bothsides of any letters/tickets in or appeals made out to ONE MULTIPAGE PDF ONLY please do not put JPG Picture files into your post I really don't know how to put all the emails and letters into a PDF and then  put them here.  I have written to all and sundry and have dozens of emails.  The last development was the Cllr for RBKC saying she can do no more but has got the payment date extended to the 5 August and am now waiting for the response from CEO of Peabody or his Media assistant. I find this site difficult to navigate and need someone to help me with technicalities.
    • Thanks for the update   FRB = future revenue benefit   Can you upload the letter you refer to in the last para of your last post but hide all identifiers  - see out upload guide.   I may suggest you send them the same letter I suggested in the post here, but you should alter it slightly to make it your own - https://www.consumeractiongroup.co.uk/topic/435744-hmrc-asking-me-to-repay-fast-tax-rebates-ltd-scam-rebate/?do=findComment&comment=5122682  
    • From Sunday, government payments reduce to 60% towards salaries, with employers paying 20%.View the full article
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Want to VT advantage finance car but it needs work

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Hi all

I had a car via advantage finance and I've had nothing but trouble.  It's been in and out of the local garage like a yoyo 

Now there are starting problems and a eps warning light on the dash. The mot is up in 3 weeks 


Finance company has agreed to VT but the car has to be in reasonable condition 


So do I pay for an mot and any work that needs to be done before returning the car or return the car and wait for them to send me the repairs bill


They have confirmed I have 0 to pay to return the car


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Please can you tell us when you bought the car, was it in good condition when you bought it or has it simply deteriorated since you purchased it?

How much did you pay for the car? And you may as well tell us the make and model just in case we need to know that.

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I got the car in 2018

In good condition for £ 2400 plus the interest £1263 and fees £325

Proton savvy 2010 model 

Only 12000 on the clock

It's now got 30000 on the clock 


It's been a nightmare 

For the last12 months I've had problems starting it. Some days it dont start

I've had new 

Head gasket 

Coils and sparks 

New crank shaft indicator 


Rear bearings 

And still there are days it doesn't start

Now a warning light has come on which I think is traction control 


I have to do 60 mile round trip to work and cant afford any more time off with this damn car

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So you're saying the car only had 12,000 miles on the clock when you bought it in 2018. That seems extremely low. Are you sure that is the genuine mileage for a car which was about eight years old when you bought it?

When in 2018 did you buy?
What date did you have all this work done – particularly the head gasket and the bearings?

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Miles were genuine got the most

Bought in march 2018

All the work has been done with in the last months

I cant get another car on finance as my credit score is kaput

My employer can loan me a grand to get another car but I could end up with a duff the same 

I'm not sure just to get the work done and keep it



Last 12 months work has been done 

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I think the best thing you can do is to get the condition of it assessed by a garage and also a quotation for the work. Then come back here.

If you end up returning it to the finance company in its present condition, at least you will have an independent quotation for the cost of repairs. You can be certain that the finance company will try to rip you off and you will then be up to challenge them because you will have your independent quotations. I suggest that you get to assessments.

These quotations will allow you to make a decision as to whether or not to have the work done and also to challenge the finance company if you decide not to have the work done and then they try to hit you with an unrealistic assessment.

On the basis of "reasonable condition", you may well find that they want the car in a very good condition. However, you bought an old car for a very cheap price and you have since more than doubled the mileage which is a reasonable thing to do. So this then amounts to wear and tear.


When the finance company says "reasonable condition" they have to accept that they want in reasonable condition for a car of that age and of that price. They are entitled to expect anything more.

Get the assessment of its condition and then we will help you challenge them if they start making unreasonable demands

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Be careful about booking in. You aren't asking for the work to be done. You are simply asking for an assessment and a price quotation. Two of them will be better than one.


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Well reasonable condition doesn't necessarily mean that an MOT must be done. If it's towards the end of its MOT for that year then that's just too bad for the finance company

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Oh ok.  Well it currently wont start to get to the shop

I think the finance company need to just get it on a tow truck and take it out of my sight and I'll deal with the aftermath. 

The problem is 3 different mechanics haven't been able to find the issue hence all of the changed parts

All in vain 

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If you don't get quotations for the work then you will find yourself in a very difficult position if the finance company decide to chase you for repairs.

I'm afraid I think it's a very bad idea to let the car go without the condition and repair bill being assessed.

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you don't have to MOT it.


you were not liable for any of those repair bills..its not YOUR CAR.


advantage can't charge you a bean for anything they find 'wrong' with it.

neither can they charge you for collection of the car.


if they get nasty later 

simply state that in the (less than 2yrs) you've had THEIR car

you've spent £1000's repairing xx faults

and can they please refund those bills




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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  • dx100uk changed the title to Want to VT advantage finance car but it needs work

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