Advantage Finance - HP Car failed after 1yrs - still paying - HELP

[BRIGADIER2JCS]

Hello ads,

 

What a shambles,

 

What are your actual proposals to pay £20 pcm?

 

I would suggest ditching e-mail and getting a proper paper trail, a complaint to someone more senior than Darren Young, who obviously lves in La La land,

can't get anything right.

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Originally they accepted £20 pcm a while back,

but then they charged me £100 for a track and trace on me,

despite them communicating with me at my home address.

 

they then stated that the Trace was to check if i was in employment, yet them asking me to provide evidence of receipt of benefits.

 

So from advice on here (see previous posts) I stopped payment and did a request for charges to be refunded and MBI/GAP cancelled/repaid.

 

A few weeks back I submitted details to the FSO but received a damaged mail packet which the details did'nt make it through to FSO (If I didnt have bad luck I'd have no luck at all)..

 

Past week n half I've been trying to get there bank details from them to make a "Token payment" this is even in the emails I sent to Darren Young.

 

Thing is when I have addressed my letters to Advantage's Compliants/compliance department the replies have come from either Darren Young (Specialist Collections Manager),

a Louise Elshaw (Collections Relationship Manager)

or Pamela Sizer (Head Of Compliance),

 

Darren has only ever dealt with my complaints on the charges yet Pamela has only communicated to me on the MBI/GAP despite all communication being sent

marked for "The Compliance Manager."

 

Of course both requests for refunds/cancellation have not been successful.

 

Its getting beyond a joke when they send an email like that,

and also sending through a statement for 12mths showing a Brought Forward balance of £5,556.70

then statement date balance of £5,574.20 (147.50 charges and £140 of payments)

- an increase despite a repayment plan in place (Till I stopped it)

[dx100uk]

i honestly don'y know why you are paying them anything!!

 

dx

[dx100uk]

can you upload your two spreadsheets please

 

i've just read through everything and this lot are terrible!!

 

you need to sar them

 

include a line saying

 

as you are refering to recordings or transcripts of telephone conversations concerning the sales process whereby i agreed on the phone to GAP/MBI

i require your evidence too on these.

 

dx

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[ATTACH]39200[/ATTACH]

 

[ATTACH]39201[/ATTACH]

 

The StatIntSheet is the MBI/GAP of which I paid a full payment of:

Amount of Credit £1240.00 @ 48mths = Total Amount Payable £2331.36 (48 x £48.57)

MBI was for 3yrs and GAP for 48mths, BUT the car came with 3 months MBI Free..

 

Also if I remember correctly all the paper work was sent to the Dealer as I signed everything there on the 20/10/2009 (even have an invoice from the dealer for my £70.00 deposit stating the 3mth Free) all dated and signed 20/10/2009

[dx100uk]

1st ones not showing

 

dx

[dx100uk]

next set

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[ATTACH]39215[/ATTACH]

 

for some reason it didnt like the file name?

[dx100uk]

tell you what i would do

 

make a spreadsheet showing payments gainst a total loan of :

 

£5646.20

 

make a list of ALL the actual payments you have made against this figure with dates

 

give us the spreadsheet.

 

if that meets half

no more to pay

 

ignore the insurances & the charges

 

dx

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[ATTACH]39216[/ATTACH]

 

I'm about £5.00 away to my reconing.

[dx100uk]

take out all their unlawful fees & charges

 

ignore them all in the calc even if refunded

 

dx

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[ATTACH]39227[/ATTACH]

 

Total Amount For Car (A) 5,646.20

Payments (B) 2,821.36

Remaining Bal for Car (A-B) 2,824.84

 

So half of the value of the Car would be £2823.10 so I'm £1.74 off paying half of it.. Might make a payment of a £5.00 to get me to more than half of value.

[dx100uk]

i knew it was close.

 

IMHO thats the way to go.

 

even post them the sheet

 

i also think you are correct on that £70 bit too.

 

added back afterwards , cheeky lot!!

 

i bet the phonecalls prove you were told you had to have MBI/GAP

 

and they certainly wont or cant question their PENALTY charges

 

dx

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I clearly remember telling them that my brother was a mechanic hence why I never agreed to other products...

Why would I purchase one with out the other if there all similar.

Both were not worth the cost, couldnt even get the car fixed by it - too expensive and wouldnt cover it.

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First thing Friday (when i get cash) I will get the SAR request done... Oh and pay a £5.00 to them aswell

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Well the SAR was delivered last week and I get this today by email.. Yet another Overdue Account Manager:

 

Please contact us on 01472 233215 regarding the payments on the above agreement.

 

We offered you an opportunity to make payments at an agreed rate of £25.00 per week but those payments have not been received. If you have made these payments via a bank transfer please confirm the dates and amount to enable me to trace the payments.

 

Regards

 

Jason Bingham

Overdue Account Manager, Advantage Finance Ltd

 

Now I was a bit annoyed at the word "agreed" cos I didnt bloody agree anything. so my reply:

Jason,

Please check all previous correspondence, where I have clearly stated on a number of occasions that I am NOT in a position to pay £25 a week, nor have I made any agreement to paying £25 per week.

 

I made a one off token payment on the account whilst I take the matter of the charges, mbi & gap complaint further with the FSO

 

Regards

 

His (Lengthy reply):

XXXXXX

 

I did not state that you had agreed to make the £25.00 per week payments. I had indeed noted that you had never agreed to that figure but had paid an amount similar too around the same time as we made our offer.

 

I am aware of the history of the account and understand that you are not happy with our response to your complaint. There is very little I can do about that complaint as we have answered your points and are now awaiting further contact from the Financial Ombudsmen Service as you have told us that you have approached them. Please understand that the act of making a complaint with them does not mean that the follow up and collection of the outstanding balance will stop. We are still entitled to and willing to seek payment of the debt from you.

 

As in all previous occasions our aim here is to reach an amicable agreement with you for payments to be made, we are more than willing to set the repayments at a rate that is acceptable to both parties and in line with to your current circumstances. If you can not afford £25.00 per week then what can you afford and how would you like to pay?

 

It is unfortunate that you are not happy with our response to your complaint, the FOS exist to mediate and assess these cases and we will of course abide by there decision. If you have already contacted them then please provide us with the reference number for your dealings with them. We have nothing to hide and are happy to discuss the matter with them.

 

I appreciate that when things are difficult it can be very stressful trying to deal with companies and appreciate that you have taken the time to respond. Unfortunately I am not able to have the balance reduced as you would wish but maybe we can put an arrangement in place that will stop further follow up from us pending a decision from the FOS?

 

Either way it is important that communication lines are kept open.

 

Thank you for taking the time to read this email, should you wish to call me I am available on 01472 233215, it can sometimes be easier to deal with these matters on a phone call but am happy to respond by email.

 

 

Regards

 

Jason Bingham

Overdue Account Manager, Advantage Finance Ltd

 

So if he says I never agreed in his reply then why the hell does he say "Agreed payment" in earlier email..

And are they trying to stop me taking it further with the FOS with his comments of an arrangement.

 

Once I get the SAR and no doubt without the telephone transcripts it will all go off to FOS again (this time via DHL)..

 

What I recieve from them will probably be all the gumph ive had before.

[Bazooka Boo]

Wait for the SAR, ignore them until then. Just because he might like to keep communication lines open, doesn't mean your obliged to respond to them.

[dx100uk]

too right!!

 

is he aware that your reclaims nearly kill the balance?

 

dx

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I think they do.. The MBI / GAP is nearly a third of the original balance standing at £2331 Plus the Charges.

 

I have now paid £2,823.86 which is more than half of the value of the agreement for goods by about 70 pence.

[dx100uk]

why not send them your SOC?

 

dx

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Excuse my ignorance what do you mean by SOC?

[dx100uk]

schedule of charges

 

spreadsheet.

 

dx

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Thats been sent to them twice..

It's been kind of dismissed by them, replies that i've posted on here (June 13th), they state that there in their right to make the charges and also that the MBI / GAP stands as I agreed to it. Hence your recommendation of requesting telephone transcripts on the SAR.

[dx100uk]

yes sri

 

then they'd be a fool to go near a court with this

 

dx

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just gotta sit back now and wait to see what they send for the SAR