This was sent... I will gladly see you in court where the sheriff will hear the full story with my detailed documentary evidence and the consumer credit Act where by this clearly states such sums are not allowed I will also outline that the fault which caused the car to fail was there upon purchase from you so i'll push to recover all my money under miselling under the consumer rights act I willingly await your threat of a 'money judgement' whatever that is under the Scottish simple procedure rules?? in the meantime the offer of £2672.88 is sitting here waiting for you and can be paid as under the rules of the CCA Section 100 to fully conclude the matter. Ball is in your court And this was received... Thank you for your emails. I have now discussed your account with my manager. If we receive the sum of £2,672.87 by close of business on Wednesday 11th October 2017, we are prepared to remove the disputed charges from the balance and discontinue our legal action. Please make the payment by bank transfer. Our details are as follows: Result! Cheers Guys...

Perfect, I shall get this into an email and send it over

No I had to take a loan out for other car purchase and made sure loan amount covered what was required to may the 50% value...please wait for email uploads... Can't workout how to attach or send the image of said email trail from my phone...can I forward the trail to your email address? I've just sent the trail in a pm via copy and past...apologies for not being able to do it more efficiently as I'm only using my phone. Thanks Thomas Dear Mr We have recently sent you a letter confirming the remaining balance of £3,330.25 on your account. You can make the payment by debit card online at www.moneybarn.com/online-payment or by contacting us on 0330 555 2340. If you are not in a position to pay the remaining balance in full, then please call us on 0330 555 2340 so we can work with you to agree an affordable and sustainable payment plan based on your current financial circumstances. We are open between 8am and 8pm Monday to Thursday and 8am to 6pm on Friday. Yours sincerely Moneybarn Website: www.moneybarn.com Also you are not entitled to seek recompense for recovery/repo as a result of general wear and tear. This resulted by way of the car being modified electronically without my knowledge prior to purchase...as previously stated I wouldn't have touched it had I known. Hide quoted text On 28 Sep 2017 15:17, "wrote: I am seeking an amicable end to this situation hence my communications. I am merely stating my argument against the charges and have not in any correspondence relating to this email stated an intention to not pay. I am simply staying that I will agree to pay the 2672.88 as it's what I seen responsible for. I have that money sitting here ready to pay once agreed but not a single penny more On 28 Sep 2017 13:53, "Alysa Emery" wrote: Dear I attach a copy of the terms and conditions of your agreement. The charges that have been added to your account have been added in accordance with Clauses 7 and 10. We have instructed our Scottish solicitors Brodies to proceed to obtain a money judgment against you for the outstanding balance. You will receive the writ and relevant documentation from the sheriff officers in the next few weeks. We suggest you seek independent legal advice once this has been received. Kind regards From: Sent: 23 September 2017 16:30 To: Moneybarn Recoveries Subject: RE: Please Contact Moneybarn. Contract No. I will not be paying these additional charges as the original key was under the fuel filler cap: Replacement Keys £167.38 Replacement Keys Administration Fee £8.00 Nor will i be paying the recovery fee as the vehicle being immobilised was as a result of it being mis sold to me and subsequently blowing up: Recovery Agent Fees £490.00 I understand that I shall be liable to you for the amount calculated under the formula in Section 100 of the Consumer Credit Act 1974. . **As I have not paid more than the amount calculated under the formula in Section 100 the amount due is £2672.88 On 22 Sep 2017 14:23, "Moneybarn Recoveries" wrote: Alysa Emery Litigation Assistant DDI: 01730 715320 Email: Alysa.Emery@moneybarn.com Website: www.moneybarn.com Dear Thank you for your email which has been duly noted. The balance on your account is due to the following additions as per the attached copy of your final billing letter:- Replacement Keys £167.38 Replacement Keys Administration Fee £8.00 Recovery Agent Fees £490.00 We have deducted the £5,785.63 for the half rule but as you would have been advised when your exit options were communicated to you any additional expenses would be added to the balance and you would be liable for. Please call us on 0330 555 2340 to complete an Income and Expenditure form with you and come to an affordable and sustainable payment plan with you. Kind regards Moneybarn From: Sent: 19 September 2017 12:17 To: Moneybarn Recoveries Subject: Re: Please Contact Moneybarn. Contract No. Can you also give me an itemised breakdown on how you've come to this conclusion please? On 18 Sep 2017 17:53, "> wrote: The Recoveries Team 0330 555 2340 Email: recoveries@moneybarn.com As previously stated...i will not be paying a single penny more than the £2672.88. This is the amount payable up the 50% of the agreement and even at that I'm reluctant to do so as I have clearly been mis sold the car and bought a previously "tinkered" with car of which I was not made aware. If I had been made aware of such modifications ie the remap which my mechanic discovered, I wouldn't have touched the bloody thing! On 18 Sep 2017 13:40, "Recoveries@Moneybarn.com" wrote: Contract No. Dear We have recently sent you a letter confirming the remaining balance of £3,330.25 on your account. You can make the payment by debit card online at www.moneybarn.com/online-payment or by contacting us on 0330 555 2340. If you are not in a position to pay the remaining balance in full, then please call us on 0330 555 2340 so we can work with you to agree an affordable and sustainable payment plan based on your current financial circumstances. We are open between 8am and 8pm Monday to Thursday and 8am to 6pm on Friday. Yours sincerely Moneybarn Website: www.moneybarn.com

Hi guys... I was sent the below email to which I responded that I am only willing the pay the amount to the half rule which is 2672.88 I was then informed that they were instructing their Scottish lawyers to seek a money order or something? They are claiming the additional charges are for a replacement set of keys, which were left in the car... an admin fee for replacing the keys and 480 quid for recovery. What should I do/say in response? "We have recently sent you a letter confirming the remaining balance of £3,330.25 on your account. You can make the payment by debit card online at www.moneybarn.com/online-payment or by contacting us on 0330 555 2340. If you are not in a position to pay the remaining balance in full, then please call us on 0330 555 2340 so we can work with you to agree an affordable and sustainable payment plan based on your current financial circumstances

This is the response I got this morning... What does it mean? You will be liable for the balance under the half rule. Once the recovery process has completed and we have examined the vehicle you will be provided with a final balance. Our Recoveries team will be able to work out a payment plan with you. Kind regards, The Asset Management Team

Ok I'll run with that...

Ok I got that...but I have no means to prove it was there when I bought it d?

Well I've just found out via my mechanic that someone's been and collected the car. I have went to them with above regarding the personal calls at work etc and that I will not be paying a penny more than what is required to reach 50%

Well...tiday I noticed 2 missed calls on the mobile whilst at work which was filled by an email from BCA saying the wished to discuss collection of the car and one from Moneybarn saying BCA would be getting in touch. I replied to BCA via email stating where the car, key, logbook and mot cert were and was hoping they'd then tell me they were going to collect on such and such a date so I could be there. But the next email I got was from Moneybarn stating they'd been informed by BCA that I wasn't complying and the were passing it onto another recovery agent for which I'd be billed blah blah blah. Can someone on here and I do appreciate how helpfully and knowledgeable you all are, mock up a template for me to send back as I'm truly at my wits end here and don't have the knowledge to know how to fight it. Many thanks

The advice given in their letter? What is my next proposed move then?

Just received this email response... AGREEMENT NUMBER: REGISTRATION NUMBER: We received your notice of termination of the above agreement on 24th June 2017. Your contact details will now be passed to a company called BCA (British Car Auctions) who will contact you directly to arrange the inspection and collection of the vehicle, which we will agree to carry out free of charge. Please note they will be only able to inspect and collect between the hours of 9am until 5pm weekdays only. BCA will now contact you within the next 2 working days to arrange the appointment and the appointment must be carried out within a period of 7 days from them contacting you. Failure to action this will mean the appointment of recovery agents, the cost of which would be billed to your account. Please note that you must keep the vehicle fully taxed and insured until it has been returned. You are required to also return the following items. 1. The Registration Document know as a V5 2. Service History Book / With FULL service record to Manufacturers schedule 3. MOT certificate if applicable 4. Spare keys 5. Sat Nav Disc if applicable Please note that if you fail to return any of the above items, we will charge you for costs incurred in replacing them. Please be advised we are able to claim from you any loss we suffer as a result of your failure to take reasonable care of the vehicle and service the car to the manufacturer’s recommendations. IMPORTANT NOTE: REMOVAL OF PERSONAL DATA Please ensure you remove all evidence of personal data which may be left in the vehicle or on electronic devices fitted to the vehicle prior to return. I never got service book/history or spare key though with the car.

I don't get you.." Prove I did the remapping"? I'm content with paying the 50% I'd budgeted for that any way but...if there is a way I can save 2 & 1/2 grand, then I'm all ears

Even a year down the line? Turns out you can only read sci to see/read the file. Only then will or can it show a remap but know way of telling when. What would be the repercussions of me serving the VT in this instance? Not sci but ecu...damn autocorrect!

Can certainly find out...

It's not a report as such it was verbal from my mechanic. What would your suggestion be and my argument with them consist of?