hi ive been in contact with the manager paul and we have come to an arrangement so feel happier now and thank you for your help x

hi love did you get to look at the upload of terms and conditions please

No just one man came in so I could phone them credit not good I've put in a complaint as they should of give me a default notice but they didn't if I had not paid the £300 they would of took the car but I had no idea they were coming waiting to hear back x

car cost me £6000 in 2011 i already got citizens advice advice they called car cash and i sent in my income and outcome and it was minus £160 they let me pay £25.00 for four week then reviewed i begged them for a bit of compassion to let me pay £20 but they will only except £38 for four weeks in which the email says il have to pay more to clear some of the arrears. they also sent some men out to repossess they clamped my wheel came in house so i could phone car cash as three days before i had paid £300 of debt the lady on the phone giggled and said bet you were scared and that she should of cancelled them repossessing so they did not take it but they never even sent me a default notice in the first place informing me that them men were turning up to repossess i was shocked now i am constantly worried that my car will vanish one day

hi i get child tax credits and child benefit for one child but due to borrowing money to pay a lump sum to pay some of the debt to car cash point im using these to pay back this debt weekly also i pay £15 a month to car tax aswell as car insurance per month and thats why im left with on job seekers allowance car cash point are making me pay £38 per week the same amount due when i was working if i had known i was going to be laid off i would not have got a car loan but my work closed unexpectedly sreducing my income they still want me to pay the same weekly amount and im also going to college interviews job centre child to school look after my ill nan i really need my car i got in total £1100 loan and am paying £4000 back and what ever else they bang on top the manager prior to getting loan made me feel so reassured that they will be helpful blah blah i fell for it but since getting the loan every email i have sent to manager never gets replied too its like he got what he wanted me getting a loan but now he cannot be bothered with me probably moving onto next poor person who will fall for his speil

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I will upload tommorow and i appreciate all your help thank you

hi is they anyway i can attach the documents so you can look at them i cannot see any where in the terms and conditions any mention of a £60 payment it just looks like the amount of credit is £460 and the interest £1656.92 total owed £2116.92 no mention of a payment of £60 in terms and conditions just the seperate on i mentioned earlier xx also in the witnesses of deeds where the line says in the presence of : that is blank is this allowed to be left blank

just gone through paper work the agent had a form with him states that agent visit fee for completion and sign up of loan agreement £60 and i give car ash point to deduct the 360 from my loan advance as payment for home visit. so because i wnted £400 they issued me with £460 so they can then pay me £400 and give the agent £60 so its another way they can add more interest because the loan contract is actually for £460 even thugh i only got £400 in the bank shocking. Do you know the complaints time process x

i was asked if i wanted to pay the £60 to the agent which obviously if i had £60 lying around i wouldnt need a loan so they added the £60 on as the the loan so in reality im paying their agent to come to my house and then paying interest as its added to the loan being £760 instead of just £700 same with the second car loan £400 but paying agent totally loan is £460 i was shocked at the £60 i had to pay their agent shocking Also i emailed my complaint to them on the 19th July but not heard anything what is the process of complaints anyone know i went on their site and left a message about a week ago asking for the complaints process and still no one has replied also though out ive been emailing a certain person i sometimes tagged the manager in them and not once has he replied to them

i understand the Sar link thank you x

??????? what sar car cash point mean lol x

Also i emailed my complaint to them on the 19th July but not heard anything what is the process of complaints anyone know i went on their site and left a message about a week ago asking for the complaints process and still no one has replied also though out ive been emailing a certain person i sometimes tagged the manager in them and not once has he replied to them

car cash point i had one loan which i have defo paid 1/3 i still owed money to the first loan being £700 dd the £60 for agent £760 i got a second one in january only because the mot cost was £350 i got a £400 the second time well £460 with the cost for the agent added to get the money from mot so im not sure what i have paid on the second one but still have a debt outstanding for £274 in total i do not have a clue what i owe in total or what i have paid

Yes my advisor asked me to get them to send the courts stamp which was registered in the 7 days i have to do as they say or lose car so unfair i didnt ask to be laid off gutted i have complained to the company about all the above as they did not follow what's stated in the contract such as the 30 day freeze and the fact of no default was issued the treatment i received no compassion etc but i am guessing nothing will come of it also i live in accent housing flats and when you enter the carpark it says private carpark are they still allowed to clamp cars

So they can use the address of company as i read somewhere that doing the wrong address is not allowed

hi i dont know if someone will reply but if the agent who is the witness on the bill of sale uses the company address as their address on the bill of sale is this void or not please help they turned up to take car but as i had paid an amount a few days prior they did not take it as phoned company and asked whats going on firstly the person i phoned giggled and said i bet you were scared and that they forgot to cancel the repossession also the day before the people turned up for the car i had come to an arrangement with the same lady who i spoke to on the phone and i still had no idea that the next day they planned to repossess as i never received a default at all. Also the agent who was the witness on the bill of sale used the address of the company and their own is this allowed please 1) can the agent who is the witness on the bill of sale use the company address as their address. As i read somewhere that it must be their home address as they dont live at the company. 2) Secondly the people turned up to take car and i did not have a clue this was happening i did not receive any default letters but as i borrowed some money to clear some debt as i had lost my job no fault of my own i phoned the company asking what is going on in which the person giggled and said bet you were scared i was in utter despair getting laid off work and found this comment was a punch in the heart. this same person said sorry we forgot to cancel the repossess order so they never took car but over a three day period prior to the people turning up i had been making arrangements with the same person who giggled at my distress we had made arrangement which were accepted but i was made to pay over half my income now being jobseekers allowance which is paid fortnightly of £143 in which they wanted a fortnightly payment of £76 i begged for some compassion because this amount i am expected to pay is set up for me to fail as i was going without food sometimes but this amount is taking food from my children they didnt care 3) when i was first laid of i sought help from citizens advice who phoned the company a nd to lower my payment which thy did for a month my adviser asked if i could pay £20 per week in which they wanted £25 but still in same situation im now forced to £38 per week. Even though prior to getting the loan a manager made me feel so secured in getting the loan including how they would help me if a financial situation did happen which i now feel was false information just so i take the loan 4) it also states in the contract to allow 30 days to get over the shock of a loss in finance which when my advisor from citizens advice was not informed about no one offered me any offer of a 30 day hold on payment. i am now in a constant state of worry that my car will just disappear if i do not manage these payments in other words take food of myself and children. i really need my car for job interviews children to school help take are of ill nana. i would not of got the loan if the manager hadnt have been so reassuring in how much help they would give people and i did not know i would be laid of my job which is not my fault please help