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Hello my name is ***** ***** I will help you with this.
Wha is it you want to know about this today please?
What did the ombudsman say and on what basis?
Ok. So the finance company are not charging you for the vehicle payments, it's just use you are being asked to pay?
Did they put that in writing? How much is being claimed?
Ok. So payments for both cars have been refunded?
Ok, but remember to black out your personal details.
I agree, I think they have missed a 9! So you object to 45p a mile?
But did you get that confirmation in writing there would be no charge on the first car?
You need to write and set out your losses and request a refund of the charge within 14 days or say will go to Court within 14 days. You should make sure you send this signed delivery and keep a copy.
If they do not refund you then you can issue proceedings in the County Court. You can either do this online at: www.moneyclaim.gov.uk or by completing form N1 http://s3-eu-west-1.amazonaws.com/hmctsformfinder/n1-eng.pdf and take it to your local County Court.
The Court will then issue a claim which a copy will be sent to the Defendant who will have a limited time to defend it, if not you can enter Judgment and enforce.
If the claim is for £10,000 or less it will be a small claim so you will not need legal representation. Over this value you would need representation for trial.
Can I clarify anything for you about this today please?
Accept under protest then seek to claim the sums deducted back.
Does that clairfy?
It's going to be hard as you have had use, but I think you have an arguable case.
I thought that too.....