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Looking for some insight into an issue with an account with the above company.
I had a 3-year agreement with a ballon, the vehicle was returned inline with the agreement and Moto Nova took the balloon payment as well as the vehicle. The ballon was substantial (£15K) 20th Dec 2019 and put me into an unarranged overdraft and meant I couldn't pay bills on time.
I complained about this and there was no admission to error but they offered £300 compensation and paid it into my account before I accepted the offer. I responded to the final complaint but had no official response only a message left that they called (28th Feb 2020). As part of the final response, I was told there was an outstanding liability for going over the pre-agreed millage of circa £2000 at this point.
Between the 24th March and 20th July, I wasn't at my property due to shielding with a vulnerable family member, however, during this time. Moto Nova sent me 2 letters on the same date stating the outstanding amount and that if it was not paid, it would be passed to a debt collections agency. No mention of defaults or implications to my credit file etc. The letter however detailed a registration number that was not known to me.
Upon my return to my property, I responded to the letter stating it had incorrect details and was told they would look into this and confirm the amount was in relation to the vehicle, as the amount was different I wasn't prepared to pay it, at this point I was also prepared to pay the outstanding as felt my original complaint was not going to get looked into.
In August 2020 I had an alert from Experian to say a default had been registered on my account from MotoNova. Previously to this, my payment history had been 100% clear with this company with no missed payments for the duration of the agreement. I immediately lodged another complaint, the outcome of this is they will not remove the default, they do not need to issue a default notice and I knew about the outstanding liability. They apologies for the admin error in regards to the registration number, incidentally they headed the final response with the wrong number again! They have now passed the debt back to the collections agency and I have two months defaults on the account.
The knock-on effects to this situation mean I've now been declined for the mortgage I had been approved for in principle and we look to be losing a house and other costs as a direct result from this.
MotoNova stated on a recorded call that they do not need to issue default notices. They also wouldn't take into account my query for an amount they requested having the wrong details on the letter.
Where do I go from here?
I had a 3-year agreement with a ballon, the vehicle was returned inline with the agreement and Moto Nova took the balloon payment as well as the vehicle. The ballon was substantial (£15K) 20th Dec 2019 and put me into an unarranged overdraft and meant I couldn't pay bills on time.
I complained about this and there was no admission to error but they offered £300 compensation and paid it into my account before I accepted the offer. I responded to the final complaint but had no official response only a message left that they called (28th Feb 2020). As part of the final response, I was told there was an outstanding liability for going over the pre-agreed millage of circa £2000 at this point.
Between the 24th March and 20th July, I wasn't at my property due to shielding with a vulnerable family member, however, during this time. Moto Nova sent me 2 letters on the same date stating the outstanding amount and that if it was not paid, it would be passed to a debt collections agency. No mention of defaults or implications to my credit file etc. The letter however detailed a registration number that was not known to me.
Upon my return to my property, I responded to the letter stating it had incorrect details and was told they would look into this and confirm the amount was in relation to the vehicle, as the amount was different I wasn't prepared to pay it, at this point I was also prepared to pay the outstanding as felt my original complaint was not going to get looked into.
In August 2020 I had an alert from Experian to say a default had been registered on my account from MotoNova. Previously to this, my payment history had been 100% clear with this company with no missed payments for the duration of the agreement. I immediately lodged another complaint, the outcome of this is they will not remove the default, they do not need to issue a default notice and I knew about the outstanding liability. They apologies for the admin error in regards to the registration number, incidentally they headed the final response with the wrong number again! They have now passed the debt back to the collections agency and I have two months defaults on the account.
The knock-on effects to this situation mean I've now been declined for the mortgage I had been approved for in principle and we look to be losing a house and other costs as a direct result from this.
MotoNova stated on a recorded call that they do not need to issue default notices. They also wouldn't take into account my query for an amount they requested having the wrong details on the letter.
Where do I go from here?
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