Tricky one...

moneyspender1981

Hi All,

I'm not sure if this is the right place for this, but ahve had good advice here before so proba good starting point.

I ahve just finally cleared my debt bar few little things, in total this ahs taken me 10 years... but got there.

In looking back I agree it all my own fault, however one bug bear I ahve is regarding a Lease car I had from Jam Jar.com and feel I was mis informed at the time and was taken to the cleaners for some wild charges etc. I would like to know if I could ahve this reviewed by Financial Ombudsman?

Here is the detail.. will keep it short.

I was approx 19 and got a MGTF as a Lease car (Bad Idea- but did look great) on a 3 year lease. After approx 10 months I had massive financial difficulty and it was something that had to go. I contacted Jam Jar.com to discuss what my options were. I was told that I could give the vehicle back adn would pay a % fee for the outstanding contact but not the full amount. I spoke to my Mum and we decided it was probably best.

I agreed to give the car abck and even delivered it back to them I never heard out for 2 months and then suddenyl got a bill for the full amount of the car which was a 36 month contract £195 plus deposits of £700 I paid. they were asking for 18 months so over £3.5k and also had added on wait for it.... £500 for Bailiff charges to return the vehicle. Despite be returning the car.

I did try to contact Lomabrd Vehicle management to discuss but was told this is what I owed, and being young a niave accepted it. If I had know I would ahve kept the car... even if to just look at on the drive.

I ahve now settled this account but feel extremely hard done by, expecailly when they will ahve released it and made double rental.

I would like to pursue this, and have asked under the data protection act for information they hold on me..


Can anyone offer advice if I can pursue them for some of this back through the financial Ombudsan?

any help welcome

bargainbetty

I'm sorry to say, but this is one of those 'Get over it, and get over talking about it' things. Unless you can prove that they confirmed a different arrangement in writing and then reneged on it, you have very little leeway. If the terms you were forced to abide by were those of the original agreement, you really are stuffed. You signed for 36 months, you asked to cancel after 10 months, and they charged you for half the total lease - that is hardly unfair on their part.

The best you could hope for would be to recover the fees for collecting the car, but even then, you have acknowledged and paid them - you have little legal grounding for asking for is back now.

I'm sorry sweetheart - learn from it and move on.

DGJsaver

Harsh but fair betty

niccatw

I probably wouldn't have worded it as bargainbetty did, but essentially, I think she's probably right.

If they told you over the phone you'd entitled to money back but didn't follow this up in writing, you need to go back to the original terms and conditions. If they kept to them and you have now paid the debt, there's probably very little you can now do.

I would have a good think about whether you want to persue them for the return of the bailiffs charge. Is it worth the hassle or would you rather spend time and energy doing other things with your time now you are debt free and may actually have the spare cash to do the things you like?

Personally I'd be content with slagging the company to all and sundry and advising them to go elsewhere .

Well done on being debt free!:T Can't wait to get to that stage myself

moneyspender1981

I agree, but not sure I made it clear, I did pay for the total term of the car i.e I payed 36 payment ofr £195 ontop of my £700 depite on having the ar for 10 months.

I think wanted i'm gutted about is that they said i would pay a fee, and they basicly charged me like they recovered the car.

If it was clear I would ahve kept the car as I paid the full amount anyways if that makes sense.

Just feel hard done by I guess. that they have took the full lease money and the car so paid for nothing, why would anyone give it back for no gain?

If i have to get over it then that cool, but just wondered if you think it's worth pursuing ?

pondskater_2

I am sorry that I cannot be of any help to you regarding this but I am very intrigued - are you saying that you, in fact, actually paid more by returning the car after 10 months than if you had kept it for the full 3 years.

moneyspender1981

Hi... yes.

When i got the car I paid:-

£700 deposit and had the car for 10 months. whcih I paid 10 payments

When I gave the car back they charged me a further 26 months worth of payments so basicly the same as if I had kep the car, and also £550 in Bailiff charges despite me taking the car to them.

But I was told I wouldn't have to pay the full amount if i gave the car back, I would only pay half. When I saida I will just ahve the car back tehn they said they had re-leased it. They basically treat it like a reposession and chraged me it all