Hi Caggers On the 12th of this month I hired a van online from Flexi hire Burton on Trent, it was to help my brother inlaw move house, so he paid online using his card. On the day I went to collect it and went through the paper work and went over the vehicle to spot all the dents and scratches etc. The weather wasnt to great so some of the smallest chips of paint could of been coverd by rain drops. When I returned it they spotted a chip and said that I must of done it as its not on the paperwork, I know 100% whilst that van was in my possession it did not get hit or knocked etc. The guy said he will be in touch with a quote. When I got home I spoke to my inlaw and I told him to cancel his debit card and told him why. Today the car hire people have called me saying I owe £115 for it, to be honest the damage is the size of a ant. So I'm thinking hes trying it on. Im waiting for him to call me back because I told him about the weather on that day and was going to check. Like I said there is no way I did the damage. So if there is any advice what to do next?

Need some help. a cousin of mine made a car hire booking over the phone and a deposit was taken ( balance cash on the day). now he has cancelled before the function and the rental company is threatening to take full payment and fight over the balance in court. no signing of contract has taken place. is the car hire firm well within their rights to do this? thx

Hi there peeps, I was wondering if someone could shed some light on the legal implications of a mobile phone contract I took out just over a year ago with my current employer. Back in February 2013, I was offered a mobile phone contract through work as part of an employee benefits scheme that they run from time to time. I agreed to a 24 month contract through them with Orange accompanied with a shiny new iPhone 5 at a cost of £40.65 to be deducted from my gross salary, on a monthly basis. I signed a contract to state that they could take the money directly from my salary over 24 months and that if I left employment with the company they had the right to deduct the remainder of the monthly amounts from my last wage with the company. Also, they had set up a DD to deduct any amounts of "overspend" over my monthly allowance directly from my bank account. back in November last year, after some disputes internally about not hitting sales targets, I decided it would be better looking on my CV if I handed my notice in (as I had already been through 2 disciplinary meetings and wasn't getting anywhere with requesting my targets to be reduced despite me working there for 3 years and hitting target consistently every month for the past three years - that is another story though.) Having paid just over £650 out in my last wage to pay up the contract when I left, I was very fortunate in that I managed to land a more suitable position in the same company literally two weeks after I had left. Happy days! Fast forward to May this year when I checked my amounts leaving my bank account (forever the money saver!!) only to notice that the amounts of overspend that they have been deducting from my account had increased five-fold from around £1.00 per month (prior to me leaving employment) to around £5.00 per month (after I had left up until recently.) In addition to this, I had noticed that I have been charged by them, two payments, one of £71 and the other of £42 - in the latter, more than 70 times my usual monthly overspend amount, as per the amounts that I was usually spending prior to me leaving employment. As far as I can fathom, my tariff had not changed from the "Orange Solo 25" tariff which is stated in my contract and I have not received any notification that any part of the contract has changed since initially leaving employment. I questioned this with my "billing company/employer" and was told that the amounts were for mobile data usage, given an apparent itemised bill (which just showed my usual usage as well as several erroneous extra bundle charges, strangely equaling the exact extra amounts) and was told that the amounts were correct with no course of recompense if I disputed that I had used these amounts legitimately. Subsequently, I contacted my bank and submitted two separate indemnity claims for the amounts they had took that were extortionate, as well as cancel my direct debit via my bank. I informed my billing company that I had done so due to me disputing the amounts of overspend and requested that they contacted Orange to provide details of the sources for the overspend amounts (ie either via reverse SMS billing or from IP addresses which I could use to locate websites/services in order to ascertain eithe r if I had legitimately used the data or, in fact whether I had actually done so.) I also said that I did not wish for the amounts to be deducted directly from my account so I could keep more control over the amounts leaving my account (as previously I have tried to communicate with Orange directly, only to be told that it is my employer/billing company that owns the contract and that I need to speak to them regarding any charges or details relating to the contract.) Their response was "if you have raised an indemnity claim for the amounts and have cancelled the direct debit for the overspend, we will bar the handset" and in terms of the data that "they could get amounts of data used as well as dates the data was transferred, but not itemised services or reverse SMS billed data due to Data Protection" - a term which is in my contract stating that they can access this information and that I give them permission to by agreeing to the terms of it. My question is, if they are stating that the necessity of a direct debit on my account is so important that it nullifies the contract should it be cancelled, surely this should be in the terms of the contract itself and, if it is omitted, then this would be a claim of imposing a misleading term in the contract by failing to state intrinsic material information which has made me make an informed financial decision (as per the Consumer Protection from Unfair Trading Regulations 2008?) If this is the case also, am I correct in saying that they would have to revert me back to a pre-contractual state by refunding any amounts I have paid to them from the commencement date of my contract once I have returned the goods and they are examined to be free from damage and neglect? If I had of known that I could not pay in any way I wanted for the overspend amounts, I would have exercised my right to cancel the contract within the 14 day cooling off period, but due to this not being in the contract and only just finding out about it now, the 14 days has been and gone and it seems as if I have been well and truly stuffed. I have left out my employer's details for obvious reasons... Any help or advice would be highly appreciated. Many thanks

hi, i bought my 2009 mini from car giant 9 months ago using a hp loan from moneybarn. last week because of a faulty thermostat the engine blew and now the car is a right off. ironic really as i chose to get a newish car from a large dealership becasue i was fed up of breaking down! I cannot afford to pay 6k for a new engine and i stil have 10k left in finance. What are my options? what do finance companies do in these cases, id like to find out my options before contacting the finance company. many thanks

Hi, My dad recently passed away to cancer, only last year he bought a Kawasaki Ninja ZX-10R Motorbike from a main dealer brand new on finance via Black Horse. The bike was only ridden twice before my dad fell ill and has been under cover ever since, my mum has recently contacted Black horse, they have sent her a letter giving her options: Pay the settlement figure of £12,003 Voluntarily surrender the vehicle to them and if any moneys in outstanding after the sale they will make an application to his estate. Continue with the monthly payments My mum has already signed and returned the from stating she will Surrender the vehicle to them. I am looking for any advice on where she stands legally with this, theoretically speaking they could sell the bike at auction for lets say £4,000 and then she would be liable for a balance of £8,000? Is this correct?? I am quite concerned that mum has felt pressured by them and not thought about the possible consequences. Could anyone offer some advice? Would be greatly appreciated. Many thanks!

Good morning all, I recently hired a Motorhome from a local one man/one van company. Period of hire was 5 days at a cost of £460 + £750 deposit (unlimited mileage). I collected motorhome on a narrow street and did a quick check for damage (owner and myself did a quick look round) but nothing was signed, upon collection Motorhome had just under a quarter tank of fuel. On the second day of the hire Motorhome died on the side of the motorway (after approx 200 miles). Cause of failure was faulty turbo which caused Diesel run on which terrified both me and my daughter. Eventually after 45 minutes on the side of the motorway with my teenage daughter we were recovered, we were then towed (at the Motorhome owners insistence) all the way back to Bristol. Motorhome was left by recovery company at garage of owners choice and I then popped to his home and dropped keys off (no alternative motorhome was offered). 24 hrs later owner contacts me to advise he has found a scratch on motorhome and is retaining my deposit (he has refunded the original £460 hire fee). Questions/issues are - 1. I am unaware of scratch and contest it was done by myself, scratch could have been there before hire commenced, while vehicle was being received or while vehicle was left unattended in street after recovery. 2. I have lost 3/4 of a tank of diesel, the monies paid for overnight pitches booked in advance and my holiday. Where do I stand with a) contesting the deposit retention and b) reclaiming some or all of the monies lost in diesel/booked pitches. I have also had to pay for alternative accommodation to continue my holiday. Thanks for your help in advance.

I dont think this is a problem but I would be interested if someone could perhaps explain this to me. I took out a VW Finance HP Agreement for a car in 2010 over 5 years and have been paying this off absolutely fine for the last 4 years. When I received my annual statement the first page showed: Start of Agreement Duration of Agreement Amount of Credit Rate of Interest (Fixed) Screen shot attached. It is this last point which has me puzzled as the rate of interest is shown as 0.00% which i find as strange as I am obviously paying interest on my HP finance. Any ideas?

Hi, I was involved in an accident on the 26 December 2013. The other driver admitted liability and my car was written off. I have had a Claims company acting on my behalf and i have received a full and final settlement for my vehicle which i am happy with. However, as a result of my car being written off i was given a Hire car from Vehicle Assist Ltd via the claims company. I have since bought a new car and I am waiting for Vehicle Assist to collect the car on Monday 21st January. Today i have received a letter from the third party's insurers that reads the following: "We have received the invoice from the company who provided your hire vehicle. In order for us to consider paying the hire invoice, please provide a response to each of the questions, sign and date this letter and return it to us" What do you use your vehicle for in a typical day? How far do you travel (miles) in a typical day? Do you use your vehicle on the motorway? How much motorway driving do you do in a typical day? Did you require a hire vechile? If so, would a smaller vehicle be suitable for your needs e.g Ford Fiesta 1.2cc? Would you have been able to use public transport? Do you need to use your vehicle as part of your work, whilst at work? (Like a salesman, not commuting) Please confirm if there were other vehicles in your household that could have been used? Do you have provision of a courtesy car under your insurance policy? If so, was a suitable vehicle available to you? Were you aware that you had entered into a credit hire agreement with Vehicle Assist? What is your occupation? Is this standard practice? I am concerned that they have mentioned about a credit agreement and that i maybe liable to pay the costs of the hire vehicle. Could anyone shed some light on the subject? Many thanks

hi i am new to this so could you please be patient i took out a hire purchase agreement with barclays partner finance for a static caravan i got into financial difficulty and they repossessed the caravan. i have paid under 1/3 they have admitted they didn't send out a default notice or court order could you please answer some questions 1/ was it illegal repossess the caravan without a default notice i.e court case chartered trust plc vs king 2/ the caravan was sited on a private caravan park and i was up to date with site fees , should they have got a court order i am thinking of taking them to small claims court could you answer these questions please i am claiming £22000 1/it is £340 initial fee and £540 court fees, is this all i will have to pay if i fail i.e their solicitor fees 2/ do you think that i have a case that i could win thanks

'm not sure if this is the correct thread for this post, please direct me appropriately if not. I recently responded to an email for a 'bargain' price on the hire of a motor home 'motorholme.co.uk'. £249 for 7 nights hire of New Year seemed very good and I booked quickly, albeit stupidly without researching the company beforehand. It seems their money on additional costs and extras you have option to NOT pay: There is an excess for insurance, if you pay £120 then you don't have to pay a £1250 excess for an accident; this is motoring specific. Any damage to the van, scruff, dints, scrapes, wing mirrors etc are all extra and fairly expensive. You pay a daily excess for each driver to reduce the insurance excess and you get 100 miles included for each day of hire, thereafter it's £1.34 a mile over your included mileage. If you pay £24 per day, you can have unlimited mileage. Concious I hadn't signed the electronic agreement form ( I was bombarded with emails directing me to do so) I phoned reservations and was told there was no daily fee for excess mileage, thus saving 7x£24 for the trip. I then completed the electronic contract and started the booking completion where I find I am being asked to pay for the excess mileage. My question is, as I was told by a company employee that there was no fee for the excess mileage, will they be obliged to forgo the charge. If not will my credit card company intervene and dispute the charge? I record all telephone conversations on my mobile, therefore have proof I was told there would be no charge applicable for excess mileage. Or will I just have to pay all costs incurred because I signed the agreement form? Thank you for your input in advance.

Let's keep it simple! Do not use Admiral Van Hire in Walsall. You have been warned!

Bailiffs turned up totally unexpectedly at my office yesterday and repossessed my car! The car taken on a contract hire agreement in July 2011 for 2 years at which time my company was trading as a limited company. In October 2011 we changed the format of our business from a limited company to a partnership. We informed the leasing company by telephone, gave them different bank account details for the new company and they have subsequently been taking the monthly payments by direct debit from the partnership bank account. All payments have been made on time and not one payment has ever been missed. In July this year the contract expired and I was invited to extend it for another year, which I did. Then yesterday bailiffs turned up and took the car saying that the contract agreement was void because the agreement was made with our limited company which no longer exists. However for the past 18 months we have been trading as a partnership, the lease company have been taking the payments from the partnership bank account, the ownership of our business has not changed nor has the address/telephone number, etc. My question is... ..can they legally take the car without giving me any prior notice whatsoever. I didn't receive any correspondence at all from them, not even a phone call, to say that there was a problem with the lease. I had no time to try to sort this out, my business which relies heavily on the use of my car, has been severly disrupted and the shock of being left in this situation is awful. Surely I should have at least been informed that there was a problem? What can I do about this? Many thanks for your help.

I hope someone can help. In February I hired a vehicle that broke down. An engineer came out, said the car had no oil and then took myself to another vehicle to continue my journey. Aprroximately a month later I had an e-mail asking me what I hit as the company had to make an insurance claim. Within three minutes I had replied saying I had hit nothing. The car had stopped. Two weeks later I recieved a letter from the company saying I had driven the vehicle with no oil and as such I was liable for a new engine and enclosed a letter they said they had sent me on the 15th February (I did not receive it and deny any blame). Since then I have asked repeatedly for the evidence to substantiate the claim with no luck. All the company have done is take out small claims court action against me. The case now is nine days away and up to this point (despite letters requesting the evidence to allow for a compromise to be met) they have provided nothing. I have provided statements to the company and the court but have got nothing from the claiments and I am a bit lost on what to do. Should I look to have the matter struck out due to abuse of process, say nothing and make representations to the judge. ANy ideas?

Good afternoon all, In Nov 2012 back one of our drivers had a hire car and picked up a parking charge notice from UK Parking Control for overstaying the free parking at a service station. The hire company notified the parking operator of our details and we contested the notice straight away. Nothing more was heard until Apr this year when the hire company informed us they had received a letter from Debt Recovery Plus Ltd demanding payment. We wrote to DRPL referring them back to UKPC stating that as UKPC had not witten back we took it as that they had accepted our 'appeal' the matter was closed. That was the last we heard from DRPL. In Jun the hire company received a letter from Zenith Collections demanding payment. We lodged a complaint with the BPA for what we considered a number of breaches to its Code of Practice by both UKPC and DRPL (22.8, 22.11 and 22.12), the main one being that both we and the hire company had advised UKPC/DRPL of our details and they chose not to respond. The BPA responded with the following: We have been in contact with the operator in regards to your complaint. The operator has confirmed the following. A parking charge was issued on the 15 November 2012. The charge was issued for being parked for longer than the maximum period permitted. Details of the keeper were requested on the 14 December 2012. A notice to owner was sent on the 18 December 2012 and a final reminder was sent on the 2 January 2013. The operator found out the registered owner was IXXXXXXXXXX, a hire company. Therefore the operator wrote a letter and sent it on the 3 January 2013 asking for the driver details and a copy of the Hire Master agreement. The operator claims no further contact was received so they requested the driver details and the Hire Master agreement again on the 8 February 2013. The operator has advised us that they are unable to transfer liability of a parking charge notice without seeing a copy of the hire agreement where the driver agrees to accept liability for any parking charges. The operator cannot transfer liability if the agreement only shows parking fines, offences. This is because UKPC do not issue fines, only parking charges. The charge was sent to Debt Recovery on the 18 March 2013. The operator has advised that if the hire company can provide a copy of the hire agreement clearly showing that the driver accepts liability, the operator will transfer liability from the hire company to the driver. However if the hire company cannot do this the operator has suggested they get in to contact with them so they can discuss the matter. In view of the above we do not believe the operator has breached our code of practice and therefore we consider the case closed. We would recommend you contact UKPC directly to resolve the matter. Thank you for bringing this matter to our attention. Kind regards, AOS Investigations Team As i see it then, an RK can name a driver and the car park operator can pursue that driver but if a hire car company names a driver the hire car company must then produce an agreement whereby a driver specifically admits liability for private parking charge notices? I can't help feeling that had we written to UKPC with payment then this would have been accepted without them seeing any hire agreement to ensure we were actually liable. The BPA recommends we contact UKPC to resolve the matter - we did back in Nov 2012 and are still awaiting a response.

Hello all, I hired a car via Holiday Autos, and it was provided by Alamo, who in turn actually subbed it out to Europcar when I actually received my rental voucher...... and that is fine. When I got to France I went to pick up the car, and decided to take out the policy excess insurance, and paid for it there and then (or so I believed I guess)..... which was something like 150EUR A week after my holiday I got a bill from Europcar which detailed that VAT had been charged on this excess policy..... this seems illegal to me. If the rental insurance was taken out seperately whilst in-country, and a credit card was provided to pay for this, then this is a French transaction surely, and so no VAT should be charged on top? What do you guys think? Thanks, Ben

I have a hire purchase agreement for a 53 Plate car with 55,000 miles, which was obtained last July which was not driving well from the off, but particularly as the weeks passed I noticed that the brakes, suspension and various other parts of the car were not to the standard I was used to (prior to that I drove a 1999 Vauxhall Vectra with 160,000 miles on the clock, so one would expect the 53 Plate to be much improved. Also the car is semi automatic and would not always switch into reverse, sometimes taking 5 or more attempts from switching to drive to reverse to attempt it to work, or sometimes it would not work at all. I reported the matter by telephone to the dealer who explained I would need to contact the finance company as it was their responsibility. I did this by telephone although they stated it was usually down to the dealer to look at and fix the vehicle if applicable as it should have still been under warranty but they said they would ask somebody from the relevant department to contact me. After time passing with no response I put my requests in writing (for the suspected faults to be investigated) to the dealer and had no response (September 2012). I also sent this to the finance company in end September/October as I was not getting anywhere with the dealer or with the finance company by telephone. I sent various e-mails and attempted to chase the matter by telephone, without success, it was only in late December 2012 when the ABS and transmission warning light came on on my dashboard (rendering the car undriveable) that I relentlessly pursued the finance company and dealer marking all emails as urgent and contacting them both by telephone. When I spoke to the finance company the first person I spoke to said that as I have had the car less than six months they cover any faults occurring in this time frame, however the manager in charge of these issues was not in until the following day so I would have to wait for a response from them to advise me what to do. When I spoke to the person in charge of this area, they told me it was down to the dealer to fix the problem as it is less than six months old. Then I spoke to the dealer who then told me that the warranty they give on their vehicles is only three months and they are not legally obliged to do any repairs after this time. The finance company refused to hear anything further on the issue and said they would cease all correspondence with me unless it was through a solicitor after I stated I had obtained legal advice on the matter (but did not instruct anybody). The solicitor I spoke to advised me that my rights are against the finance company and that I should be able to be able to claim back a pro rata refund for the monthly payments made and also the costs of fixing the car which I did have to arrange and pay for myself. The mechanic who temporarily fixed the car said the fault was electrical - the brake cylinders are faulty and need replacing and also the automatic sensors to the wheels are not functioning properly (something which would have been present at the time the car was sold). He advised me until the same was done then the problem would reoccur and that this was most likely what they had done beforehand with a view to selling the car to make it look roadworthy. Following this I also sought advice from Citizen's Advice who advised me that I should make a formal complaint and allow the finance company 14 days to rectify the problem and it was my choice whether to carry on paying the instalments or not. The problem reoccurred end May 2013 and I paid the next 2 months instalments, but the most recent payment has not been made following the advice of Citizen's Advice Bureau and now I received a letter yesterday dated 12th August 2013 that repossession proceedings would be instigated in 14 days if I do not bring the account up to date (there was no mention of the ongoing dispute with them for which I only just received a response too; whereby they indicated that they would take the car back and accept to end the agreement without further cost providing there are no further faults to the car other than those I have stated to them). It should also be mentioned that the monthly agreement with them generates a code which I have to enter into the vehicle so that I can use the car, this is done once payment is received. However, I have to ask them monthly for a new code after payment has been made, otherwise they do not generate it; contrary to their agreement and their telephone customer helpline which indicates that a code is automatically generated after each payment is made (within 24 hours.) Last month when payment was made they did not generate the code, despite several e-mails and letters being sent asking them for this. (One request was stated on one of the letters regarding the dispute which I did receive a response to in writing but he did not acknowledge my request nor act upon it, however he did receive it as his reply would indicate). It was only on my second letter to him in this regard that he said it was sent and claimed to send me proof that this was sent to me, although the proof he sent me did not indicate this firstly; secondly I now have a second agreement with them for a different vehicle for which the code is sent to the same mobile number and following a telephone call with the company last week they confirmed the code which was sent was for the new agreement, so this proves nothing. As I consider this breach of their their part of the contract this is when I decided with the advice of Citizen's Advice to not make any further payments (and given the car had been undriveable for the last two months too as I was not willing to pay to fix the car again/permanently. What should I do? Do I have any rights to claim against them through a small claims court even though they will start repossession proceedings on 26th August? Can I still escalate the claim to FOS? The finance company's main point for their reason for disputing my letters is that the car was fit for purpose and of satisfactory condition at the time of the sale and any reports to the contrary were not made to them until October 2012. (They are ignoring any knowledge of any reports beforehand) even so - this is only three months after purchase. As far as I was aware it is not reasonable to expect all faults to be apparent at the time of purchase and there should be reasonable time allowed for the purchaser to assess this. Any assistance ASAP is extremely appreciated!

Hi all, I hired a van from a local company a few weeks ago. We both inspected the vehicle, but just a 30second walk around. The guy didn’t evenhave a pen and marked out the form (with the cc) with a key! When the van was returned (out of hours), Ipopped the keys through the letterbox as per their instructions. The next day I went away to visit mygirlfriends grandparents who live in very rural Romania. There is no phone reception or internetconnection. The nearest town is a good30 – 45 minute drive away. Anyhow, mostpeople know I am away and just leave messages on my phone knowing I will pickthem up upon my return. I have just returned home to find a number of messages fromthe hire company telling me there was damage to the drivers side sill and it will cost £500to repair. I have no knowledge ofdamaging the van or hitting anything to cause this damage. And to be honest, neither I nor the chap whoI walked around the van with really checked the sills. There were the usual dents, scratches andscuff marks which is typical for most of the vans from this company (I haveused them many times before). I have no written correspondence from the hire company, justtelephone messages. They state they havealerted the police to the circumstances as I have not retuned any messages forthe past 3 weeks (reasons stated above). Now, do I have a leg to stand on with regards to disputingthe damage? When I paid for the van, Ipaid cash and they didn’t take any card details. However, they have been through their recordsand have taken two lots of £50 from my account over the last 2 weeks using card details I have used with thempreviously. Do they have the right to dothis? And if so, do they have the rightto keep taking money after they have taken one payment. It turns out they took £100 from a client ofmine last week who I hired a van for some time ago where he paid directly viahis card, but they have refunded this to him. Any suggestions for my next move? Many thanks

Hi there. In July 2011 we purchased a new car and have been making the monthly repayments on the car finance each month to date. Three weeks ago the engine died and the car is now sat in the dealerships garage awaiting a new one (with no timescale given as yet for the repair). We've found out that the engine issue is a common fault on this particular type of car and so, when it is fixed, we intend to Voluntary Terminate our agreement using the halves and thirds rule as we will have paid off half when our August payment is made. But we're unsure about the mileage excess. The agreement we took out was for 12,000 miles per annum - so a total of 36,000 across the 3 year term. When we terminate; -will they pro rata the mileage down to 2 and a 1/2 years worth of entitlement and charge us for the excess over that? OR -will they charge us for the excess over 36,000 as that was the agreed total mileage over the 3 years even though we haven't kept it for the full term? Any help would be really appreciated. Many thanks Lola

I hired a car for a week from a local dealer which I returned this morning. Relatively brand new car which we both inspected for damage before I took it away, there was none. I paid for the car with my debit card, £100 of which was a deposit. I returned the car this morning and again we both inspected the car inside and out with no damage. My £100 deposit was then refunded to my debit card, I still have the receipt. Over 3 hours later I received a call from the hire company to say that they have notice a dent while they were washing it which they want me to pay to be fixed! Straight away I disputed this and pointed out we both inspected the car together and there was no damage. His reply was it was only noticed when they washed the car and that he would email me the photographs. What are my rights in this situation please? There was definitely no damage on that car when I returned it and he flipping well knows it!

hello there, I have got hire purchase agreement on a car with Welcome Finance comp. on 17th May 2006. I had kept it for about 12 months and then had voluntarily terminated the agreement by calling them and asking to collect the car. They had come and collected the car in excellent condition. After in June 2007 I have received a letter asking to pay about 5000 pounds that is overdue from my contract. I had called them and started to negotiate on the price saying that I will not owe anything because i had paid already around £5300 (including £800 cash deposit). the payment for a month was £370.30(including insurance) there was credit of£3323 for insurance and credit of £7799 for the goods, total coming to £11122.37. agreement signed for 48 months with a typical APR 28.6%. so after the added APR total amount came up to £18674. Termination rights of agreement says that if i had paid 6667.12 of the goods amount and returned the car in reasonable condition i don't need to pay any more. Apparently from amount I paid £5300 almost a half is only for insurance and the rest if for the goods. Long story cut short: I have received court claim form on 5th of June 2013 asking me to pay £5084. And I had not been in contact with them from june 2007. Could anyone please help to deal with this situation? I have no idea how to. I have to respond to court till 1st of July .Maybe anyone can check the agreement if its legal? I went to CAB and they told me to seek solicitors advice on this agreement because its old and it might be with the way they count APR on insurances and stuff.. please find my attached agreement. I also aim to claim PPI as it was mis-sold to me on this agreement as well. Any help is much appreciated thank you nick

We have had a nightmare with a car we bought from a VW Dealer in September 2011. The car was used and approved. As soon as we bought it and drove it off the forecourt the engine was mis-firing, we took it back to the dealers service garage as advised by the dealer to get fixed. We should have really handed the car back and kept our perfectly good car that we exchanged for it and cancelled the whole deal but my husband really wanted this car. The car ended up needing the engine replaced! We were furious as it was only a year and half old with hardly any mileage and USED AND APPROVED by the dealer! We tried cancelling the transaction but found that our old car had been sold already! So we fought with the dealer for compensation. They gave us a new head unit as compensation as that was all they could offer! After less than 10 months or new engine the car has had more issues and now that it is out of 3 year warranty period we were told that the engine (which was replaced less than a year ago) is not under warranty either! While my husband was away for business he had to get a hire car and pay for the car to be fixed as VW would not take responsibility at all! We spoke to trading standard and they advised that the finance company is liable and we should complain to them. When we spoke to the finance company they advised we can give the car back if we pay to reach the half way point which we don't want to do. We have issued an complaint with them and asked for a full refund instead. But we have had to buy another car as this car is not reliable. We are currently trying to get the car out of our possession as we cannot afford 2 cars and the insurance while the complaint is being dealt with and have even agreed to pay to reach the half way point to have the car taken away and wait for our complaint to be resolved. The HP company are saying that the car needs to be insured in order for them to take it back? Which doesn't make sense to me, should they have their own insurance? Can anyone advise if it is a good idea to VT the agreement and wait for the finance company to issue refund/compensation? The only issue I have with the car sitting in my drive is that it is not insured!

General inquiry Using Enterprise car hire, how long does it take for a deposit against a car hire from enterprise take to be refunded back into your bank account as cleared funds. The vehicle was returned 8 am on Tuesday this week and the desk clerk authorized the return with a receipt the same day I was told two days and still not been credited It was a hire in the UK

Sorry for posting again. I am just looking over the finance agreement for my Astra that i should be picking up on Tuesday or Thursday. The car is a 1.7 CDTi Estate that is in superb condition and the price on display was £4995. I managed to get him to go from £300 p/x to £695 p/x on my vectra 1.8 2000 X Reg. This meant the car was now £4300. However on this breakdown of Finance Agreement it seems he has added it back on??? I will be honest i am pretty unsure how all this works and wordings etc as this is my first proper car i will have owned. It reads at the top: The total amount of Credit to be provided under the proposed credit agreementnt or the credit limit: £4300 It says £151.95 per month (2 months after the executuin of the dicuments and a final payment of £310.95. However below that it says: The total amount you will have to pay this means the amount you will have borrowed plus interest and other costs. Made up of: Deposit: £0.00 Part Exhange: £695 Total amount of credit: £4,300.00 Admin Fee: £199 Interest: £971.29 Optional Option to Purchase Fee: £159.00 Total to repay: £6324.20. This to me shows that the £695 has been added back onto the finance part and so i get NOTHING for my car afterall? Now the deal has said that he has to put that to the finance company as part of the deal because they need all the details and it does not mean that is added onto my overall bill. If this was the case then why does it only add upto a total of £6324.20 when the P/X IS added onto the other costs..... This whole car thing baffles me....i should of stuck to busses!! Lol Thanks.

I wonder if anybody can please advise me. Last year my husband took out a purchase lease hire financial agreement from Volkswagon commercial vehicles for a van for work. The van was from Lo cost vans. Its the type of agreement that you pay monthly to lease and then at the end there is a balloon payment that you owe them. Anyway, the van kept breaking down and he had to miss work for numerous days at a time. After a lot of arguing with Lo cost vans, they agreed to change the van. The original van was also a bit small for my husbands work needs, so he asked them for a bigger one that wasn't much more to pay each month. They agreed and it was all set up. (My husband admits he was a bit stupid and naive but its done now) The van arrived and the payments were quite a lot higher and we have been struggling. He phoned lo cost vans and they said the best thing to do was to get a settlement fee and sell the van to pay the finance. So he got the settlement and it is £22,000!!!! The van is only worth between £13,000 and £15,000 Again he spoke to Lo cost Vans and they said they had added a shortfall from the first van and he should deal with Volkswagon commercial in future. He's spoke to Volkswagon Commercial vehicles and asked if they will reduce the payments and take it over 6 years instead of 4. They have said no, he must pay the amount asked over 4 years and if he doesn't they will repossess. If they repossess, he can't work and won't get credit again but if he pays it, he's just working to pay the finance, diesel and insurance. Is there anybody with any suggestions please.

Hi, I have read with interest all the posts on here, and wish I had seen it a few days ago. I received a parking charge notice from over staying the 2 hours I had bought a ticket for in a supermarket car park. At the time I was driving a hire car, from zip car. Two questions. I went on to the paymypcn site before I found this and tried to pay the reduced amount, but my ticket number was not found and it gave me a box to enter name, phone and email address to be alerted once the ticket was loaded on to their system. I am wondering if my entering this means I have admitted to being the driver and so should not ignore. However also, is this delaying loading them, its still not loaded 5 days later, is a [problem] to get you to pay the increased amount after 14 days when they load it. Also, as its a hire car. Do paymypcn or Topher pursue via DVLA, and if they do, their letters will go to zip car and wondered what they will do. Just pass on my details to Topher, as I was the only insured driver at the time, or pay it and then charge me. Do I have any options to just ignore this as would be usual? Thanks