Moneybarn - Terminated Contract - won't allow VT. **WON Got VT no charges**

[dx100uk]

i'm not being disrespectful of other advice sources, but please be very careful over what choices you make after receiving such advice.

i will gather then, you are in Scotland BTW?

 

 

 

.

[Carkeys]

I took some advice for a few other issues Ive had and they offered to help with this too, I was hoping they would at least be able to get some clarity from MB as they wont respond to any email requests. Im in England.

[dx100uk]

Well if any of the advice includes blindly paying any dca's without sending a CCA request 1st...

[Carkeys]

I have got a few accounts with Lowell.  He's told them to stop taking payments while he gets all the paperwork from them.

 

Ive carried on paying MB as even though they say they've terminated the contract because I wanted the arrears clear and to show that I am willing etc etc. I cant afford to lose the car and still have close to 6k hanging over me. Ive been offered a car from a member of the family which would see me through a couple of years, which is why I want to VT if at all possible. I believe he has sent a SAR to MB

 

[dx100uk]

in other words he has sent a CCA request to lowells for ALL the debts you were blindly paying them YES?

if not and is all this advice free to you, if not dump them!

 

do it yourself!

 

 

[Carkeys]

Yes, its free, its a church group. I felt like ive been fighting fires for so long with debts, I went to them to get a handle and rid of it all. . I was blindly paying DX, now ive done so much reading on here I realise that I could have done it better quite some time ago... always find out too late hey. 

 

I feel they are working for me, not the DCA's if that makes sense

 

 

 

[dx100uk]

well if they comeback and advise to pay anyone anything, then question the enforceability of ALL your other debts...

 

what are they?

 

OC

who you pay now

type of credit

when taken out

when defaulted

£owed

[Carkeys]

No defaults on EON (£240 left was £1300) From 2016

Default 2016 for 3 Mobile (£150 left, was £700)

Both with Lowell. 

 

Temple Finance (Perfect Home) for a washing machine. Balance £558 defaulted in 2018. Ive paid nothing on it since 2018 original amount was £660. Sill with OC

 

Virgin - £164 Defaulted in 2018

 

Was in a pretty bad place 2015 - 2018 which is where defaults/debts are from. Everything else on credit file satisfied/settled or running well. (Just MB as previously discussed, but thats ongoing)

[dx100uk]

Pers id stop paying all those

The eon debt..shame you paid at all..it cant be real and must be as a result of their very well known billing software change error else eon would have gone to court and not sold it on for<10p=£1

 

Dx

[Carkeys]

Really? Wish I'd got proper advice a couple of years ago. I've paid off £1000's of old debt in the last few years...

 

What should I do about Temple Finance? I was thinking offer them a couple of hundred so they go away.. I don't want to risk another ccj (I've got two that disappear in 18 months). Have I got an route to arguing away the default?

 

My aim/goal is sorting my credit file, all defaults barring TF drop off in 1 - 2.5 years. 

 

Obviously I've got MB around my neck, still hoping I can VT that away.

Edited July 8, 2021 by Carkeys
clarity

[dx100uk]

are temple finance (the original creditor) aware of your current and correct address, on a small screen so ...

[Carkeys]

Yes, they are. I've only recently updated it properly though. They actually had my ex-wife's address as they couldn't trace me (I moved several times in a short space of time, they say its because we had a joint account). I guess the default would have been sent there. 

[dx100uk]

well until/unless anyone sends a letter of claim, pers i'd stop payments and ignore them all.

 

as for moneybarn, lets see ..

[Carkeys]

Actually had a call from MB this morning... 

 

There are no arrears on the account. They stated as they have terminated the contract I have three options.

Voluntary Surrender ... nope 

Full settlement ... £4475.32 (Which I dont have)

A consent order .. which they will charge £408 for the pleasure of.

 

I asked to VT they said no. I repeated the fact that the termination letter was the first contact I'd had etc etc. I have raised a compliant with MB, they sent me a letter last week saying as 56 days had passed I could contact FOS, should I?

 

Any advice would be great. 

 

I cant edit above but there are £71.29 of arrears on the account. 

[dx100uk]

you really should not be conversing on the phone 

writing only.

 

send moneybarn and sar the off to the FOS

[Carkeys]

They rang out of the blue, I was so shocked I picked it up.

 

I actually hadn't sent a SAR request. I'll get that done today.

[dx100uk]

post hidden.

please read the red text at the top of the sar.

and don't post docx file in the open forum as they contain all you pers info in file info/properties.

 

there is no need to adapt the SAR other than adding addresses and A/C details.

[Carkeys]

Red text?

 

Apologies about the doc posted. Know for the future.

 

I'll get posted today. It is worth sending on email too?

 

They are supposed to be calling me Monday with regards to the options given. Should I just tell them I'm waiting on a SAR request before I make a decision? (If they even call that is).

Edited July 9, 2021 by Carkeys
Ignore, I just found your example letter. I used the ICO template. I'll post up a pdf. Thanks

[dx100uk]

when they call monday simply state you are no long prepared discuss the situation over the phone and want everything in writing from now on only

put the phone down.

 

[Carkeys]

Roger that. Have a good weekend DX.

[BankFodder]

open

[Carkeys]

Just an update after a right battle Moneybarn have agreed the VT. Thanks for your guidance dx and others.

 

One last question if I may. I've lost the service book. Is that likely to be chargeable?

[dx100uk]

Not your problem make them prove you were ever given one 

 

Well done, they always give in at the end 

 

Glad to support and help you.

 

Please consider a small donation to keep us here 

 

Ps on the charges front.. don't ever get had by any charges when you VT,. 99% are solely bogus try it on's..  refuse to pay any they try and levy!!.

 

Dx

 

 

[Carkeys]

Just an update, finally got them to agree to remove all the ridiculous charges post VT. Thanks for your help, Dx. And for anyone else, keep at it! You'll get there eventually...