Just an update. I emailed the complaints team with a copy of the letter and received this today, looks like an automated message but not sure... _____________________________________________________________________________________________________________________________________________________ We take all complaints very seriously and will fully investigate the issues you’ve raised in an attempt to reach an agreeable resolution. What will happen next? Your email has been forwarded to our complaints department and they will send you a letter in the post acknowledging your complaint within 5 working days. The letter will provide you with details of our complaints process and timescales, and the name of your dedicated complaint handler who will investigate your case fully. It will also confirm their contact details, and they will be your point of contact in case you need any information or updates on your case, or for any questions or concerns you have about the complaints process. Please maintain your finance payments It’s really important that you maintain your normal monthly vehicle finance payments while your complaint is being investigated. If the nature of your complaint means that you believe you are unable to make your payment, please call our Customer Services Team on 0330 555 1230 so we can understand your circumstances and talk through your options. We’re available Monday-Saturday, 8am-5:30pm. Kind regards Amy

Morning, Hope you had a good BH. Yes, thats correct although I think, due to the age of the car it was 57/58 payments. I did try to find my original contract over the weekend but several moves and a divorce.... I have rewritten the letter as you advised adding the following: "I took two months of COVID relief during the pandemic as I was under the assumption I would be back to work by September/October last year. I did not realise I could have taken more of the gov support. During this time, I made small payments as and when I could. The arrears on my account as of today stand at around £400. I will continue to pay the £100 per week as I have been doing until the end of May, when the arrears will be clear and my normal payments will continue as agreed." I'll get that sent today. Should I email a pdf copy to them too do you think?

Hi, I took a two month payment holiday in (I think) June & July last year, my aim was to catch up on arrears during that time, I couldnt but just made smaller payments as I could. Just further to above, I applied for it through the website, they didnt offer it is a possibility. In fact I dont think Ive spoken to them more than twice in 12 months..

Just realised I wrote 2017, it was 2018. Initial amount was £11,980, there is £6647.20 left. Does this read ok: To Whom it May Concern, I am writing regarding the above account after receiving a Termination of Agreement letter dated 1st April 2021. (This communication was not received by me until the 14th of April). I also dispute the fact that you sent me a Default Notice as stated in your letter dates 1st April. I understand there are arrears on the account, of £600. I would like to offer a payment plan to rectify the arrears and continue to pay my usual contractual amount. Since receiving your letter I have paid £400 via bank transfer. The arrears have built up due to being furloughed through 2020. I am now off furlough and working full time again. I am more than happy and able to meet the above payment plan, which taking the monthly agreed amount into consideration will take 9 weeks. I am also able to continue making my contractual agreements until the agreement is finished. My only other option is to apply for a time order through the court. I look forward to hearing from you. Yours Faithfully Thanks R

Looking at the time order info, am I right in thinking that 1. I need form N440 2. Would I only request additional time to clear the arrears i.e 6 weeks 3. I cant seem to find reference to the actual court fees This is a bit nerve wracking! Thanks R

Thanks DX for the quick reply, I have been reading up since posting. Looks like I jumped into bed with some cowboys! They have not issued a default notice and there is not default on my credit file (I used checkmyfile). I'll continue making payments and trying to get hold of them. If/when I do eventually get to speak to them, should I do/ask for anything in particular? Again, thanks very much

Hi, I'm looking for some advice please. I took out a car loan with Moneybarn back in 2017. I am currently 4 months in arrears with them built up over the last 12 months (I was on furlough for a significant portion of the last 12 months). On the 14th of April, I received two letters from them on the same day one dates the 1st April was a Termination notice the 2nd (8th April) was regarding recovery agents. I immediately tried to contact them to discuss the letters and my account, Ive been trying for three weeks now without being able to speak to anyone in their customer services dept. I have been in contact with someone is asset management who wont discuss the account. I am off furough now and have paid £400 to my account in the last three weeks I believe the arrears are/were £852. I dont know what my options are and cannot speak to anyone at Moneybarn to discuss them. Am I going to lose the car? (I really cannot afford to lose it for work and to see children who live with their mum) Any help is really appreciated. R