Loved the area, we were actually looking at moving up there. Invermorris if you know it?

Thank you for your reply I agree with what they say, obviously if the boot was on the other foot etc. Its just the fact that it happened and i really wasn't at fault, I put the nozzle all the way in etc as I've done thousands of times, maybe it was just one of them things. Thank you for the technical bits on the response, Ive no idea about that, my knowledge is now updated! If there's nothing that can be done, i will have to take it on the chin, but i just don't feel it was my fault, and yet im to reap the consequences lol.

Hi all, I apologise from the outset if this is in the wrong forum, but if it is not, Great! Im looking for help! The reason being is the following story. on April 4th (I think it was) I was at the Fort William Morrisons Petrol station. Me and my wife were doing a bit of a child free holiday and touring the Highlands (Beautiful place). We had popped in and decided as a supermarket its the best and cheapest place to fill the tank before heading south again. I pulled up, held the nozzle as per I have done thousands of times and continued in my quest to fill the tank up with lovely mile giving fuel. However..... Once full, the nozzle did not automatically switch off, and in turn fuel shot out of the filler tube, all over me, all over the car, all over everything! I immediately made a complaint in the fuel station and a manager came across from the main store. We filled in forms (albeit they were for a carwash claim as they didn't have any forms for fuel spillage unless it was from a tanker), and proceeded to give me a copy, apologise and also give me a free carwash as the car was now covered in diesel that was making its way down to the brakes. After the very smelly 300 mile journey home, I needed to get the car valeted due to the smell, and after 3 washes, my trainers, jeans (although i will wear the jeans to work now as i have a dirty job) and shirt were heading for the bin, as the smell was still there, and they were stained. I waited to be contacted by Morrisons, and in turn rang them twice as to what was happening. I was not after a fat pay out, I just wanted the car valet covered if I'm honest but to no avail. Today I received a letter from Morrisons that said:- "We have investigated this matter and there is no evidence to suggest that the company has been negligent. The petrol pump was in use throughout the day with no other reported incidents Following your complaint, an inspection of the fuel pump was carried out however no fault was found. If there was an issue with the pump an incident of this nature would not have been isolated to you alone and we would have received similar complaints." So, Im fuming. My wife witnessed the incident, the CCTV witnessed the incident, the Morrison petrol station employees witnessed the incident AND on the form they filled in, it states the pump did not switch off! What are the next steps, should i request on what basis they have made that assumption that it didn't happen to me, ask them to look at CCTV? Get a witness statement from my wife? What!? OR do I just let another massive corporation win, as its their word against mine. Any response is appreciated. :-)

Rang again today and they are saying that I owe half the agreement if I VS and and the same figure if I VT. I asked about my settlement being nearly 29k and if they get 24k at auction I should only owe 5k, they said no that’s not how it works and they will still want payments up to 50% of the total igreement price including interest (38k) Obviously I’m only 1 year into a 4 year agreement so I’m not sure if a VT or VS makes much financial difference the only difference being on my credit rating. (Although I could be wrong) (Approx figures on scenarios below) So they have said I can take the car to local BCA and get a receipt, send a letter/email to VS and say I know the liability is 14k and they will send me the liability for 14k to my IVA people Or Send a letter/email to voluntary terminate with my figure being 14.5k and they will collect the car and no doubt auction it anyway.... Unless I’m massively missing something is there that much difference? I’m sorry to appear so thick, all I know is my full figure including interest for the car was 38k. The figure excluding interest is 31k My payments were £455 a month for 47 months (48th month was balloon payment or return the car) and the GFV was £16800 I really can't get my head around it! Ive attached a copy of the finance agreement Finance agreement .pdf

That’s what Black horse said on the phone. Also that figure plus my next monthly payment (if I was to make it) would equal the halfway amount that is of course including the payments I’ve already made.

Right.... In the Termination:- Your rights It says, I have the right to end the agreement and return the goods. They will be entitled to half the total amount payable under this agreement that is £19,103.81. So I'm guessing the figure i need to put is £19,103.81 - £4554.60 (already paid) = £14,549.21. However, On a voluntary surrender BH are saying the figure is £14,093.75 I really don't get this...... How is a Voluntary Termination better if its going to cost more? Im sorry to be a pain and appear thick, but i really don't get it.

How do I work out the section 100 figure? Is it the same as the one they give you to surrender?

No they haven't sent me a default notice, as ive been keeping up payments. It was on a PCP so all going well (as many years previous) i have just swapped at the end of the agreement so never had to pay the whole amount. So to me it wasn't 38k but only a monthly charge of 455. I know this still seems a lot but there is no MOT and its warranted etc and ive had previous HP for 10K costing £200pm and ive had to pay all that out myself so this (and to drive something quite nice) was a good option (at the time)

think ive done it? Landrover letter..pdf

so i van still VT even though they have sent me the: Notice is served under section 76(1) of the consumer credit act 1974 agreement letter? I would put a picture up but i don't know how, sorry oh and how do i work the amounts out to fill in the blanks? Sorry to be a pain.

Hi all, Im just after some advice…. I am currently in a IVA and when it was accepted allowances were made for my car payment to black horse. To cut a long story short, things have changed rapidly and my income has stayed the same, well it’s actually due to go down and my expenditure is going to rise. This means that I can no longer afford the vehicle that the allowance was made for. Im ok with that, My dad is going to gift me an old car to be able to run, and on completing my income and expenditure form, if I get rid of the current PCP vehicle then I can still afford to live etc and afford my payment to my IVA. I have spoke to my IP and they have said that I can terminate the agreement with BH and the negative debt will be passed on to my IVA as it was taken out before the IVA was accepted. (So I get all that) However…… I have spoke to BH over the last couple of days and they have told me that I must write a letter Voluntary Surrendering the vehicle, drive it to an auction house and they will pass the liabilities to my IVA. BUT. The figure is massive! I purchased a car on a PCP plan for £31,650.98 with zero deposit The total I would have to pay would be £38,207.62 (including balloon) My monthly payments are 47 payments of £455.46 followed by a final payment of £16,801.00 I have currently been in the agreement for 12 months (again circumstances changed quickly due to no fault of my own) So that is £5465.52 I have paid. My current settlement on the Vehicle is £28,846.49 The vehicle is worth currently £24,000ish trade value. They have said I need to Voluntary Surrender the car and my liability is £14093.75 which will be passed on to the IVA. BUT how is this if my settlement is £28,846.49, shouldn’t it be closer to £4846.49? Is this the same as a Voluntary Termination? or is that more expensive/cheaper? Im just a bit stumped how my settlement can be 29k and they get 24k back and still want the remaining settlement including interest when I no longer pay monthly or have the vehicle? I need to get this sorted, as my insurance for the car is due in a week and I do not want to/can afford to insure it. Please advise and thank you in advance Also just to add, as this might change things quite a bit, I received a letter from BH when I did my IVA saying that they intend to terminate my agreement on 27th March 2018 under section 76(1) of the consumer credit act 1974 as I had made a application for a voluntary arrangement.

I don’t suppose there is any template letters and advice on the amount I should be offering them? Also, what address should I use? The ones on my credit report or the ones for contact on there website? Thanks again

What would your advice be? I have rang and spoke to 3 creditors today, and they basically don’t want to know. They have just said, that if a payment is late or goes to default then they will instruct a collection agency

Hi all, I spoke to a IVA company and all they wanted to do was massively pressure me into a IVA, im assuming they work on commission? Ive rang Citizens Advice, but am waiting to hear back for a appointment. If anyone has any thing else to add, please help

Hiya, I left the Army back in 2002. I know a bit about the changes, we’ll say a bit.... I know I’m on the old scheme which for myself is a lot better. I was medically discharged and received compensation back when I left, but my condition deteriorated about 5 years ago I got some more compensation but I also appealed the decision on the advice of my doctors and went to a Tribunal. I won the tribunal and a war pension was granted at £53pw and a monthly payment of £305. I also have a disability in my arm that I had in a accident at work and get a lifetime industrial injuries payment of just over £30PW Since receiving my pension, my condition has remained stable, but will eventually get worse and one day I probably not be able to walk. Or if I can it will require serious aids. Thank you for this list of charity’s. I did know these existed, but I just wanted to try and sort it out on my own back. It’s probably being thick headed about it, but I didn’t want to be a drain on services when there is people worse then me that need the help, and I know resources are limited. I suppose I was looking for a black or white answer, but as I suspected there isn’t going to be one. Again, back to the people with regards to my wife’s house. I would not take it away from her, any part. It’s my children’s home and she could not afford to give me a penny anyway. Regardless of if I might be entitled to something...... The only thing I want to be entitled to is having access to my children whenever I want and not having to go through court etc because the ex is mad that I tried to take hers and the kids house, or half of it or any of it. Regardless of how crazy or bad or thick it might seem, I have no right to what’s the ex’s .We’ve never had any financially linked accounts etc and she has always conducted her financial affairs separate. As I said, I have no assets and the house is not my asset. I’ve never contributed to its upkeep or mortgage, my role has been trying to build a business and then keep it a float while sinking. All my spare money has been used to pay for holidays, general living, food etc and everything else. She’s worked hard to have her home, and she was stung in the past with someone, and I’m just not that guy. So her house and releasing money (although I doubt there is any equity in it anyway) is out of the question and although it might get people’s backs up, it’s just a route that I am not and will not consider.

Hi everyone, Firstly thank you for giving the time to read my post and reply, To answer some of your questions- The house was purchased by my wife. Deposit wise she used the sale of her previous property (which I had never paid in to). I don’t really want to go down the solicitors route as to be honest, morally it’s not mine, and I’m not the type of person to try and take it half etc to be fair, there’s no real equity in the house anyway, so this option is a no.. .Especially if I still want to be on good terms with her and my kids (4 and 1) and have a sofa to sleep on. We have only been married a couple of years as well, i don’t know if this makes a difference. The car was purchased at the beginning of the year from Land Rover. It’s a Range Rover evoque on a 5 year term with the cost being £450PM. Currently the negative equality is about 5K. I’ve considered getting something cheaper but there is no way of getting rid of this neg equity. All my debts are still with the original lenders. As I said, I’ve never missed a payment or made a late one. My income varies I used to be on after tax around 1k a week which was brilliant and that’s how my stupid stupid relationship with debt started. Living beyond my means when things declined. At the moment my income has been as little as £100 a week but is averaging at about 4-500, which is still great if it wasn’t for my debt. On top of my work income I receive industrial injuries and disability benefit (I was in the army and injured as a result) as well as a war pension. This totals a extra £650 a month. This is what I’ve always used to cover my car expenses as I can’t walk very far. Again this restricts me with work and employment hence being self employed. Factored with this it means I have no fixed income other then my pension so makes Income and expenditure different on a weekly basis (well income wise at least) I hope this information is helpful, and again thank you for your time, just being able to talk on forums like this feels like some weight is being lifted and there is light at the end

Hi All, Firstly thank you for your time reading this, but Im not sure where to turn, or the advice I need. The situation is I am in debt, alot of debt. Its always been manageable but recently i have been ill and had to have time off work. This factored with the problem that I am self employed and it hasn't been a great year has grated on my purse strings, and I am now at breaking point. Currently I owe about 85K outstanding made up of the following:- 35k PCP car agreement. - Black Horse 10K Credit Card - Barclays 5K Credit Card - HSBC 5K Credit Card - MBNA 1K Credit Card - MBNA 4K HP - Hitachi 10K Loan - Hitachi 1.2K Credit Card - First Direct 1.5K PayPal Credit 12K Loan - ex partner (Don't know if this applicable) All these payments are up to date with non being late etc, I have struggled and sometimes not eaten to make sure that this is the case. Personal wise, im married (although we are/have separated) Its a rubbish situation, as we have have a family home (in my wifes name as being self employed and also with my level of debt i wouldn't have got a mortgage) although we arn't together im still having to stop there on the sofa as I have nowhere else to go and can't afford to live elsewhere. We are on good terms but obviously this is all putting a strain on what relationship we have left. I have never put anything into the house so to speak, all my money spare goes towards my 2 children. asset wise i don't really have anything, I have a car but thats on the PCP, a laptop my clothes and thats about it. I have no savings, as soon as money goes in, its taken out on these bills. I know ive been stupid, more then stupid but these debts have accumulated over the last 6 years and again, ive never missed a payment, but work has always been plentiful and ive always been able to pay and have some money left over, now things have changed. Im stuck and im panicking like mad. My main concern is going bankrupt, where would this leave my ex wife and kids, im not on the mortgage im still sofa surfing there and my address is still there. Although when we've spoke, she is in no uncertain terms that the house is hers and the debts are my fault and she would not release any money from the house to help me (i doubt there is any anyway as it was only brought in March and she's mortgaged up to the eyeballs herself) also that the house is not mine, would never be mine and i agree with this. I don't own any part of it and would never want anything from her. Im looking at IVAs and Bankruptcy, i think bankruptcy would be best if i knew hers and my children house was safe. Im not bothered about me, they can take anything of mine they want. being self employed its through my own Ltd company. My mum does my books once a week (i pay her as an employee) and after i take my wages and pay tax etc the company is breaking even. I am aware that i not be allowed to be a director of this company if i do go bankrupt, i don't know if i can pass this as well as my shares over to my mum, and let her pay me as an employee via this company. Again, i don't know if this is allowed. Thank you for reading and any advice would be greatful Kind Regards