Pinot's Potty debt free journey!!!

PinotGrigio41

Thankyou all for your lovely messages. I am trying to to dwell on what happened int he end, but focus on how lucky we were to have had Dad and all of the good things and fantastic memories. It is also a huge help to know that his Grandchildren made him so so proud. He never missed a show, sports day, performance and the highlight of his days were to hear how they were all doing.

So onwards and upwards. as ever, never a dull moment. Yesterday after typing my huge message I received a letter from the Numpties (actually I am liking Be Luckys Twonk analogy of them !) holding the Car to Ransom. This was their response :-

Dear Sirs,

Works as specified by yourself, repair 2 blowing injectors in cylinders 2 & 3 and stop the engine from cutting out.

As you have been made aware your vehicle has had repairs completed and has been ready for collection since 01 / 10 / 2013, you have made no contact or made no effort to pay or collect the vehicle.

I therefore must inform you as from today the 04/11/2013 the vehicle will be subject to a daily storage charge pf £5.00 per day until collection. If however the vehicle is not collected within six weeks of the date shown above 04/11/2013, the vehicle will be sold to clear the outstanding debt and any balance will be forwarded to yourselves.

I await your response. "

The letter was not dated, not actually made out to us, ie no name or address. It was Exactly as is written above but on their headed paper. It was accompanied by an invoice, at a slightly reduced amount of £922. Their letter clearly states that the work as specified by us was for two injectors, yet the invoice bills us for 5. I am assuming they will use the "and stop the engine cutting out" as their argument, but the two injectors being replaced would have done this. I am not too sure where I am heading next, but I understand whilst a bill is in dispute he cannot sell the vehicle, infact I cant actually see how he can be allowed to sell our vehicle of which we hold all of the paperwork anyway, but maybe I am missing something here. According to Citizens Advice he can charge for storage though but it has to be dealt with as a separate entity.

I Need this like a hole in the head really, but I am so angry that I am not prepared to roll over and back down.......yet ! I will mull over a response to them.

In other news in the PG Household, things are as crazy as ever. DD1 is working her pretty little head off in her final GCSE year. She has missed alot of school , due to recent events which made her pretty poorly. She is a little brighter now, but has a huge workload to catch up on, so we are trying to help her plan as best as we can. She has a English Controlled Assesment today, she found out about it Wednesday, the rest of class prior to half term when she was signed off of school. I have expressed my concerns to the school , in that she has not has as much time to prepare as the rest of the class which may affect her result. Yet, when chatting with her last night she was able to answer the specific question clearly and eloquently ( shes more eloquent than her mother at the moment thats for sure, my brain is mush !!) . Fingers crossed she will do jsut fine.

DD2 is as busy a bee as ever, doing great at school, seems to have the best social life out of all of us. Well its definitely better than mine and Mr PGs ,but there really is no contest there ! DD2 has been training so so hard this year int he hope of making it into the Netball Team. She got a place but was so upset that she wasnt able to tell her Grandad. He would have been proud of her hard work and determined attitude. She has now been asked to go on the School Netball Tour next year at a cost of £530 :eek::eek: Mr PG says she must go, so go she will. I will add that Netball Trip somehow into my monetary plans for the next six months !!

Right as usual , I have a million other things I could write, but for now I MUST work sadly , so will wave goodbye !!

So lovely to see you all !! Have a good Friday xxxx

Baldybear

Good morning

So sorry to hear about your dad and your car troubles, these things always happen at once, been there got the t-shirt with my horse being diagnosed with 75% liver failure on a wednesday and then my dad having a heart attack on the saturday argh!! Am lucky that both my parents are still with me, but sad to say the hossie is not, still miss him

With your past determination sure you will fight the garage and come up on top you always seem to do so well. Fab that you have got some of the debt unenforceable, must be a small weight of your mind.

Like the others cheering you on in the background

cazmanian_minx

So sorry for your loss Massive hugs from here xx

debtfreewannabe321

Hello Mrs!

I hope the stupid garage man sees sense soon and just gives up. What an idiot. Pfft.

Good luck to your DD on the exams (my ds1 has taken GCSE physics this year....a year early :eek: !) and huge congrats to DD2 on getting into the netball team kids are great and they adapt so quickly to change so am hoping they will both be ok

Have a lovely weekend xx

PinotGrigio41

Baldybear wrote: »

Good morning

So sorry to hear about your dad and your car troubles, these things always happen at once, been there got the t-shirt with my horse being diagnosed with 75% liver failure on a wednesday and then my dad having a heart attack on the saturday argh!! Am lucky that both my parents are still with me, but sad to say the hossie is not, still miss him

With your past determination sure you will fight the garage and come up on top you always seem to do so well. Fab that you have got some of the debt unenforceable, must be a small weight of your mind.

Like the others cheering you on in the background

Thankyou Baldy, I am getting my determination back I think, so its all systems go on beating the damn debt.:D

Sorry to hear you had to deal with your Dad being poorly and the loss of your beloved horsey all at once. Isn't it !!!! ? So glad your Dad recovered though x

PinotGrigio41

debtfreewannabe321 wrote: »

Hello Mrs!

I hope the stupid garage man sees sense soon and just gives up. What an idiot. Pfft.

Good luck to your DD on the exams (my ds1 has taken GCSE physics this year....a year early :eek: !) and huge congrats to DD2 on getting into the netball team kids are great and they adapt so quickly to change so am hoping they will both be ok

Have a lovely weekend xx

Your DS1 is a very clever lad from what you have said before, I am sure he will do just great. It is such a stressful time for them. I hope he is settled nicely in school now.

I appear to have a very busy weekend, whats new ? I will try and include some loveliness in there as well xx

PinotGrigio41

My Angry Head has come back today with avengeance ! About time too though I reckon. The trouble is its so full of Grrrs and Frustration that's I cant concentrate on work. Thankfully its quiet today, although I have a mountain of paperwork I should be catch ing up on. Instead though I have decide to take a look at the "Bank Charges In My Dreams Reclaim" I have been threatening to attempt since this diary started.

Our difficulties first began in 2005, actually it was probably before but I am going with 2005 as I clearly remember mercy calls to the bank around this time. We have been battling to stay afloat and treading water since this time. Thats quite alot of years in my books.

I applied for all of the paperwork many moons ago from the bank, which arrived in two huge boxes.

According to the hardship rules, we fell / fall into each and every category.

We had two accounts running alongside each other. I have dug out the statements and charges for one account only going back to 2007 so far, but will go back to 2005 when I find them, In that time, using the MSE Interest Calculator we would have £3156.00 due back to us were they to play ball. There will be more charges between 2005 and 2007 yet to be added.

Once I Start on the other account which I know had higher charges I dread to think what the final figure will be.

I have currently dug out more than 100 pages of emails alone between 2009 and 2010 asking for help from the bank or explaining in detail our circumstances, difficulties in getting paid. Begging them not to bounce a cheque for £11 to the children's school to pay for their dinner money even !!. There is also evidence of the bank admitting they were aware that we were propping up the bank accounts with drawing cash from credit cards. Also others refusing to help us anymore and telling us increased overdrafts were our only option. Then emails advising us that they had pulled the overdraft with no notice leaving us no money to live on and others finally backing us into a corner and giving us no solution but to take a £36K bank loan. At no time were DMPs, IVA or Bankruptcy even discussed. Had I known then what I do now I would never in a million years agreed to it but we were so stressed, worried and under pressure it seemed our only alternative. These emails also detail them how we werent paying the mortgage, another that we were paying interest only now and that all life insurance, pensions etc etc had been frozen. There are more letters where they all came from , so I am hoping there will be enough evidence for them to consider a reclaim or at least a goodwill gesture.

I am actually having so much fun ( sad I know) digging this all out and I cant wait to begin on the charges for the other account with them.

Have I finally lost the plot ?!!

please-let-me-be-lucky

Sounds more to me like you have found the plot not lost it! Good luck Xx

kerri_dfw

Good, angry is definitely good, it gets things done They always say through whatever of those different 7? stages that anger is the one you need to get to to move on forward Banks are barstewards and need to be fought. OH had a loan for £1.5k, then ran into problems so they made him take out another to cover that, then he ran into problems again and they made him take out another on top of that! So of £1.5k he ended up almost paying £10k to them, barstewards the lot of them.

Well done DD2 for the netball, that's a fantastic achievement and something she can use on her CV when applying for university of jobs later in life. Good luck to DD1, hope she's feeling better now, although from what you have written you have two bright buttons there so I'm sure she'll pass with flying colours.

brizzledfw

Agree with Kerri..get angry, get results, get even

Have a good weekend Mrs PG