smithyone74
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Everything posted by smithyone74
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Hi, yes they are aware that she is in an IVA, hence coming for me for the lot - I took out the HP agreement in Jan 2020 - I VT'd it 6 months before 50% through the agreement
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I financed a car through these at extortionate rates a few years back and VT'd it in 2021 leaving about 1.5k outstanding, They are now chasing me threatening CCJ and attachment of earning/warrant of control if I dont pay in full or 'call them to discuss' within 7 days, I emailed them yesterday asking for all payment history/copy of agreement etc can anyone advise on where I stand and the best course of action, I have only just got out of a previous CCJ and was looking to keep it that way. thanks in advance I forgot to add, was in joint names with my wife who is currently in an IVA
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Hi, I have CJJ from July 2017 from Crapquest/Drydens for approx £850 which i recently looked into and found out it was for an mail order account from 2013..... it was issued at an address that I had moved out of in December 2016 and thinking back, I dont ever recall receiving an correspondence from either of the above for years prior to this. My question is, would it be worth going down the route of applying to set aside and, would anyone have any suggestions of the wording for reasons on the N244 form or would I be as well just trying to contact Drydens and agreeing a F&F settlement and just trying to get is satisfied that way. Thank you in advance of any assistance
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CLS Finance Termination notice
smithyone74 replied to smithyone74's topic in Vehicle Finance and Vehicle Repossessions
Thanks DX, I will try that, just to confirm, you did mean ‘do use email’? I don’t have the £433 right now but I’ll see how they respond first -
CLS Finance Termination notice
smithyone74 replied to smithyone74's topic in Vehicle Finance and Vehicle Repossessions
Thanks dx, I did dispute the insurance but that’s the highest they’d go after excess deducted! Unfortunately, they never offered gap insurance so I went without, so, how can I word it to them regarding the outstanding sum, is there any cca I can reference etc.? -
CLS Finance Termination notice
smithyone74 replied to smithyone74's topic in Vehicle Finance and Vehicle Repossessions
ok, done CLS.pdf -
Hi All, I'm after some advise please, I took out a joint HP agreement last January with these, all payments up to date until I wrote off the vehicle in October, the insurance paid them a settlement figure and CLS advised them there was a £433 shortfall, as it was almost Christmas it slipped my mind, 11th Jan both my partner and I received a default notice for £1323, now this morning, received a termination letter stating 'subject to clause 9.2 of the agreement, you must now pay the full outstanding balance to us of £4379, can someone please advise where I stand with this? copies attached thanks
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thanks dx, will do and thanks for the advice
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But I'm thinking if they havent acknowledges the SB...
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hmmm, no unfortunately, no contact with the old address
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yes old address is linked... so, in your opinion, is it safe to ignore?
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nothing on credit file
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thanks dx, so she suspects that nothing was paid since 2011 but she may have arranged a payment plan in early 2013 but didnt pay anything, so will look through statements to check for payments, I am presuming they would have to send a default etc before further action?
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yes, for an old property and yes, sent sb to moriarty
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thanks dx, I have just been talking with my partner and it could be slightly less than 6 years, sorry to be frustrating but, would you send a prove it letter to UU?
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attached now Scan 28 Sep 18.pdf
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Hi, it’s with Utility warehouse
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My partner received a recent demand for an energy bill we calculated from 2011 from Moriarty [Removed] we sent a statute barred letter by signed for (received 03:09) yesterday we received another letter from them threatening court action, can someone please advise the best course of action to get rid of them Removed ? Thanks
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I was just checking my Noddle and notice I have a CCJ a few months ago from a debt from 2014, admittedly I have moved a few times so had no idea about this or received any paperwork, can anyone please advise how I should proceed with this? thanks
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Hi all.. wondering if anyone can help.. it seems MKDP have not responded to me and assigned this debt to HPH2 and Robinson Way are managing it? Any help would be gratefully received
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hi, after writing and emailing them with below 'the paperwork you provided does not comply with the requirements of s79(1)cca1974 and therefore s79(3) currently applies.' They have replied with the following: understand you are claiming that the above account is unenforceable under section 79 of the Consumer Credit Act 1974 as we failed to supply you with the documents which you requested within 12+2 working days. I can confirm that the above account was unenforceable whilst your request for the documents was outstanding. However under section 79 of the Consumer Credit Act 1974 it states while the account is unenforceable, if we can provide you with the documents which you have requested after the 12+2 working days the account will becomes enforceable again. Can someone confirm whether they have completely missed the point or have I? Also, how should I respond? Many thanks in advance
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Hi All, This has now been over 6 years, also MKDP have come back with nothing, should I send a statute barred letter? or make a complaint to Ombudsman as they haven't resolved my query? Thanks in advance
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So, would I be right in presuming if both the DN and agreement are incorrect, this is unenforceable?
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Hi All, I have finally received my SAR paperwork from Welcome, I have attached it for your info, it appears it was a VT. thanks in advance
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thanks dx, just a quick one, after reading several threads about BCOBS and court action, do they cover unauth overdraft fees as I believe these are classed as unfair charges? or am I completely wrong?
