Hi , Thank you for your reply, I have sent them a copy of my statement and a full months transaction showing everything going in & out of my account . They have said it has not shown up in their account. I have spoken to the court and they have not applied for a court order to take the car back and they cannot do this unless I have missed two full months payments which I have not. They advised me to remind MB of this. The sherriff court clerk was very helpful.

Bought a car using Moneybarn in May 2013 eveything going okay until I missed a couple of payments in October 2014 but agreed a repayment plan and then on 7th January 2015 received a court order demanding the car back. Got a form in and filled it in for a Time Order to Pay I got a letter from their lawyers on 05/05/15 for the following but I had been making payments from 01.01.15 as agreed. EXTRACT DECREE FOR PAYMENT SHERIfF COURT Court Ref. no: A???/?? Date of decree: 07 January 2015 In Absence Moneybarn No.1 Limited, a company incorporated under the Companies Acts having a place of business The New Barn, Road, Petersfield, Hampshire, GU32 2u I have been making all my payments as agreed by bank transfer on time, in November 2015 I got several calls and emails to advise my payment was not received. I send them a copy of the statement showing it had been paid and then they requested a full months statement showing all transaction to prove it was not paid back in as they had not received it. Which I duly did several times. On 16.01.16 I got a letter in saying they are taking the car back as I have breached my court order by not paying my account. I have shown them a statement as proof it was paid on time but they deny receiving it. I got several nasty emails yesterday saying if I did not return the car they will report it to the police as missing. I have since November asked to put a dispute on the account as why should I pay another £xxx when I have proof it was paid but they will not accept this they are demanding it back. Is there anything I can do? ------------------------------------------------------ I was in communication with them & Ceatta their collection company . Moneybarn did not return one email but Ceatta company did their best to try and resolve the matter but eventually came back and said no they want the car when can we collect. In between all this their solicitors letter I got in May advised that if I defaulted they would revoke the agreement and would need to reapply to the court to collect goods. Now at my wits end I called the Sherriff Court who were very helpful they checked the paperwork and advised that they could NOT seek to take the car back without going back to them for a court order which they have not and I would have to have missed TWO payments before they could do this. I explained to the court I have statements showing I paid the account and all 45 emails to moneybarn which they have advised me to keep for future reference but they are not allowed to take control of the car unless the above was done. I emailed all this to moneybarn who still have not returned confirmation that they have received this I have sent it to three different departments. Ceatta have confirmed that received the email and forwarded it to moneybarn as well. Do I keep pestering them or take my complain straight to FOS and email their CEO.?

Hello, Thank you for your reply. Apologies for the long delay but I am having major hassle with Halifax. I have requested the return of charges and ppi from both accounts but got a final response saying that they will not consider anything going back more thank 6 years as they do not have to consider anything prior to this and their £12 are within the fair charges policy. Is this correct?

Thank you for your reply Card one was 2005 to 2008 when I paid and closed account. Yes I have all statements. The other was 2000 to 2014 but I only have statements from 2006 . I went of work in 2011 when ppi was cancelled but I am sure this was after I took ill up until then I had the odd late payment . I cannot understand why they offered a refund in 2012 when I knew nothing about this.

I have just received a letter from Barclays saying they offered a PPI refund in July 2012 for two visa cards but i only queried these on 30/09/2014. One is paid and closed but the other is defaulted with them with a balance of £1800 and they are offering £720 refund but they want to pay the full amount towards this balance. I also have a transaction summary from them and on it it says this account is unenforceable. My question is o i accept the refund and advise them i am offer it to pay the account off as a full and final settlement to get rid of it, or request they return the money to me? Any help would be appreciated. Thanks

thanks Ell-enn I will get her to do that. She is a nightmare 28 years of age and will not call or ask anyone for help. She is scared of speaking to people face to face or on phone thats why I am doing my best to try and help her.

Thanks for your replies. She got a letter in this morning from her ex employer and all it says is your agency agreement with ?????? has been terminated. Anything else she can try to clear her name? thanks

Hi Ell-enn, Yes she lives in Falkirk, Scotland. The solicitors is a Glasgow office and they are called McClure Naismith Solicitors A copy of the letter she sent says:- On "date" a decree against you was granted in the sherriff court for the sum of £16803.90. If you do not pay this sum within fourteen days you are liable to have further action taken against you including arrestment of your earnings and the attachment and aution of articles belonging to you. You are also liable to be sequestrated (declared bankrupt). In the same envelope she has a schedule of inhibition to stop her from selling. Her top letter also states that they will continue to add interest and fees until they have both come to an agreement. We put it in writing to see if they will freeze interest but they will not. We refer to the charge for payment recently served on you. This is the first time she has seem any of these documents. Can they force her to sell or take the house of her as there is no profit in the house. Thanks sandra

Hi Ell-enn, It does not state it is a secured loan on her forms and no she has not received anything from the land registry. Apparantly it did go to court but she never received anything I though she would have had the option to put her side to the judge and offer a repayment or settlement and it was up to him to decide if this was an acceptable offer or not. I have asked the lawyer to send all copies of the paperwork out but still have not received anything. She is saying we now have 5 days to come to an agreement or they will take charge of the property

Hi Conniff, She followed all the procedures. went to the house and got the name and address, d.o.b, n.i. number, and proof of id. she was shown bank statements with the customers name and address and also a utility bill, customer signed the form. She returned 24 hours later and signed a credit agreement 4 times and handed over the money. The only other person in the house was the aunt but she has denied ever seeing the agent as well. I know she was there as it was a saturday morning and she phoned me for advice. She would never steal. she was given a £600 laptop a week before and on this said week she stole the money she was handed a cheque for £2200 Commission.

My friend got a conservatory built by weatherseal and it was financed through GE Home Loans. She stopped working over a year ago and phone and advised them but nothing from them. She got a letter in October from a solicitor saying she had to pay nearly £17000 but 11th november as there was now a charge over her property. She has checked the loan forms and there is only PPI for her husband on the form and none for her. We have called the solicitor up and asked to come to an arrangement as she and her husband no longer works but they are demanding payment in full. Her mum has offered her £10,000 to pay as a full and final settlement but they have said they will accept this but still want the other £7000. We have told them she cannot afford to pay them and her mum back as they are both out of work. She does not want to loose the house. That was another thing they asked the value of the house and what it would sell for in todays marked but there is no equity in the house. Is there anything she can do. thanks

Can someone give us some advice. My friend worked for a door to door loan company until recently. What happens is maybe 2/3 times a year we all get a security check and customers are visited at random to see if there books and payments are up to date and we are not pocketing the money or signing up bogus customers. She has signed up over 200 customers in the last 30 weeks which is fantastic. The security risk manager visited an address and was told the said person that he was looking for did not exist and was never at that address. She was called to the office and asked to explain and basically they accused her of stealing the money and making the customer up. she was told she was suspended pending further investigation unless she wanted to own up to it. She got hold of the customer who said it was her aunt that denied she stayed there and will contact the office and sort it out. My colleague was called in again by security and said they had no such call but the "customer" is going about bragging she has ripped the company off and they cannot prove it but my colleague has lost her job over it. We found out the "customer" used her cousins i.d. as proof of identity for for the loan. My question is what can we do? 1) can she take them for defimation of character. 2) can she pursue "customer" for fraud as we do not think the company will 3) they have not paid her for the work she did prior to this can they withhold it. thanks sandra

Hi everyone. I have just had a letter from capquest saying theyapologise for any inconvience caused but they were not advised that the account was in dispute with the original lender and after reading all my correspondance they have closed the account on their system. It was probably DMD's letter slightly modified. I do not know what happens now but thanks for helping. sandra

Thanks Having_A_Knightmare and Curlyben I have found an email address for them and will forward a letter to them tonight and post recorded delivery in the morning. Brilliant piece of advise will let you know there reply. thanks again

It is a threat letter from Capquest's Solicitors saying I have ignored there correspondance even though I have spoken to them twice and sent in all letters to B of S and their replies plus B of S said they have told them to hold the account for 4 weeks. I have until 31.08.07 to pay in full.

Hi I have just had letter in from capquest taking me to court even though I have told them the debt is in dispute and should still be with Bank of Scotland until it has been resolved. I still have not received a copy of all transactions or a copy of the terms and conditions. They have also started adding daily interest. Can they do this. The debt has been frozen and I have been paying it for the past 2 years at a reduced rate. thanks sandra

Sorry babybear39 I do not know if I have done this right for the URL link http://i185.photobucket.com/albums/x2/sandra051/bofs.jpg thanks for helping

can you please advise the best way to attach document. I cannot upload it as a zip, doc or txt file as it is too big. it will not allow me to copy and past either. I could email it to you if that it is allowed? thanks sandra

sorry for delay but I have been working. here is a scan copy of the agreement they sent.

The credit agreement is just an A4 photocopy with my customer details and loan amount on onside with my signature and the banks signature both dated. At the top of the form it says step 2 so I am not sure if there should be more paperwork. On the right handside it has been signed but not date stamped by the bank for the preference account should this matter?

Bank of Scotland & Credit Agreement. I have been chasing bank of scotland since 16.06.06 for my loan credit agreement and preference credit card agreement, along with a list of all transactions since 28.01.2000. They have passed it to 3 debt collectors and it is now sitting with a company called capquest, even though they have been advised it was in dispute and no payments were being made. I also had a verbal offer to pay 50% of the balance due but they would not put it in writing. Bank of scotland has now issued a photocopy of the credit agreement but no list of transactions. Does this mean the debt in now enforeceable again? thanks sandra

thanks

I have been chasing bank of scotland since 16.06.06 for my loan credit agreement and preference credit card agreement, along with a list of all transactions since 28.01.2000. They have passed it to 3 debt collectors and it is now sitting with a company called capquest, even though they have been advised it was in dispute and no payments were being made. I also had a verbal offer to pay 50% of the balance due but they would not put it in writing. Bank of scotland has now issued a photocopy of the credit agreement but no list of transactions. Does this mean the debt in now enforeceable again? thanks sandra

thank you will keep you updated. Are the FOS not able to help. If you submit a complaint to them it costs whoever you are complaining about £600 if they get formally involved. Mind you with the amount welcome owe customers that is a drop in the ocean.

Hi Itsme I will get a letter off to them tomorrow. I cannot get over the fact that if you miss a payment it starts of as a one on your credit report then 2 etc but they have mine as 6 misses. Which you would expect it to look like 6 5 4 3 2 1 0 0 0 0 but my credit history shows 6 0 0 0 0 0 0 0 0 where is the previous missues? I have heard and read that they do this on purpose so it effects your credit history and if you are looking for finance you end up going back to them. As this sits on your credit report for 6 years. Thanks again. sandra