Hi all,
I could just cry right now, I really do feel like I've had enough & need a break from things going wrong.
My new second hand car (ford focus) turned out to have a fault when we got it home

the air con would only work on setting 4 (highest). The radio is also faulty but the cd bit works

. please don't shout at me for not checking it b4 buying it. Hubby n I already feel bad enough.
We contacted the car delear & complained, basically told us to remember it's a 9 yr old car. The warranty only covered engine n gear box & is now out of warranty.
The air con has stopped working altogether now & it's obviously something we need working to clear windows etc in bad weather

Has anyone had experience of this & ideas of costs to fix?
We are already had a payment break with GT for the car. We requested to take a 2 month break (June/July) which they were great with. But upon finding out I was pregnant, we contacted them to cut it short & reduce it to one month (June), so we could get it repaid b4 the baby was due. Yet I'm having difficulties getting them to sort. I had to pay julys over the phone. I've had 3 reinstated direct debit forms all saying to recommence from July but repaying back 2 month break when I've only missed one month.
Then I'm it says my last payment is in May 2013 but my IVA started. In April. When i questioned this they said its because my first payment was May. I had to point out my first payment April 2008 was spread over the first 3 months & I have proof, they said they had it down as over time.
So now I don't know if I'm coming or going, if I had just left my payment break as it was, I would not have this additional stress & the money to fix the air conditioning. I was wanting to do what was best for our IVA & to prepare for the new arrival, but it all seems to of back fired on me. Not sure what to do.
Final IVA payment made in April 2013, never ever thought we could do it or get through it but we did! X
An IVA.co.uk Mentor is someone sharing from their experiences of dealing with debt
Lyns x