Moneybarn No.1 Ltd formerly Duncton No.1 Ltd

[JasonSlade]

Hi, I had a finance agreement with Duncton No.1 Ltd to fund a car they sold to me (they used to sell used cars via their website), prior to them re-branding as Moneybarn No.1 Ltd. The car developed a serious fault, but was repaired under the manufacturers warranty (less than 3 years old), but I really struggled to keep up the repayments on the car and eventually it was returned to them. This was not the end of it however, a full 2 years later (of not hearing anything from them), I received a bill for around £4,400 which I could not pay! They then obtained a 'charging order' against my house (around 2009). When the house was sold in January this year, they then collected these monies. I have no record of my agreement with Duncton and my solicitors repaid the money to them. Do I have any legal redress with Moneybarn for the mis sold credit agreement? I appreciate that every post I have seen is for Moneybarn, but I dealt with them when they were 'Duncton', does this make any difference legally?

[atticus]

Do you mean that by 2009 they had obtained judgement and a charging order, or is there a typing error in the date?

[JasonSlade]

Hi, there is no typo on the dates (although they are approximate). The car was an 02 registered car and was less than 3 years old. It was repaired just inside its warranty so that takes us to 2005. I returned the car around 2006, then 2 years silence, by which time I had moved. Around 2 years later the documents arrived in the post like a bolt from the blue. It ran its course as I couldn't afford it and they got judgement. I'm sorry I cannot be more specific. Jason

[atticus]

You appear to be many years out of time to bring any kind of claim. Sorry. That is why I queried the date.

[JasonSlade]

Fair enough. I thought that because I settled their claim this January that maybe I had some redress. Thanks. Jason