Hi, I wonder if anyone can help? Today I received a letter from Mortimer Clarke Solicitors acting on behalf of Cabot Financial and tyring to get a charging order for an unpaid debt. attached to the letter is copy of the county court judgement dated 6th July 2017 and a copy of the intermin charging order dated 7th September 2017 it states I have 14 days from the date of this to send in reconsideration and unless the judgement debtor o any other person files and serves their objection to the continuation of the charge in writing, within 28 days from the date of service fo the order, the application will be considered by a district Judge no later than 26th October 2017.. Firstly, I have no clue as to what this debt is for, had no clue that it had been to court (until today). The debt is for £4,895.22. What do I do? As in how do I go about finding out what this debt is for, overturning the judgement etc? Any help would be much appreciated. Many thanks Hannah

Hello, This is my first post on this forum so I hope I have posted into the correct area, apologies if not! I recently received a CC Claim Form and a Judgement for Claimant (in default) after picking up post delivered to my old address. The CC Claim Form was dated August 2014 and the Judgement dated September 2014. I managed to pick up this post at the start of February 2015 having moved address in January 2011. Until I opened the post I had no idea of what this contained. The Proof of Claim details are:- Claimant - Cabot Financial (UK) Limited, 1 Kings Avenue, Kings Hill, West Malling, Kent, ME19 4UA Address for Sending Documents & Payments - Mortimer Clarke Solicitors, Worthing, West Sussex Particulars of Claim:- "By an agreement between CitiFinancial ("CFE") & the Defendant on or around xx/11/2007 ("the Agreement") CFE agreed to issue the Defendant with a credit card upon the terms & conditions set out therein In breach of the Agreement the Dedendant failed to make the minimum payments due & the Agreement was terminated. The Agreement was assigned to the Claimant on xx/09/2010. THE CLAIMANT THEREFORE CLAIMS: xxx.xx" The amount is between £700 & £800. As I did not know of any claim I did not have any chance to defend myself and therefore the Judgement was made on xxth September with additional costs of around £150. I called the Court to request further information and guidance and later checked out this website and decided to apply to have the CCJ Set-Aside - this cost me around £150 for the service. Before attending Court I received a letter with a draft order from Cabot agreeing to have the Judgement Set Aside and I attended court earlier this month where the Judge granted this as below:- 1. The Judgement against "me" dated "xxth September 2014" be and is hereby set aside 2. The registration entry be cancelled 3. The Defendant shall send to the court and to the claimant fully particularised defence by 3pm xxth April 2015 4. If the Defendant failed to comply with paragraph 3, the claimant shall be at liberty to enter judgement against the Defendant I have submitted a CPR 31.14 Request to Cabot with a copy to the solicitors and also sent a CCA Request to both. Earlier this week I received a letter from Cabot saying that "they acknowledge receipt of my request under section 77/78 of the Consumer Credit Act 1974, however it would appear that the address you were writing from differs to the one which is held on our records". " In order for us to provide you with the information you have requested whilst protecting the data of our customers, I would be most grateful if you would provide by return proof of your address. Acceptable forms are copies of a utility bill or driving licence." "Upon receipt if this information and provide it matches the details on our records, we will be happy to provide the information you have requested". How can I provide them with proof of address when I don't live there any longer? I'm confused as to how this works and concerned that I've not done the right thing! The CCA Request and CPR 31.14 Request was sent by me from my present address with the reference number on the Court Order etc. I've got to put a defence together for the first week of April and I'm under the impression that a CCA Request provides them with 12 days to respond, this is fine if my original requests are valid or does to recent "address differ" throw a spanner in the works and reset the time clock again? Can anyone help me please? Do I need to do anything regarding CCA / CPR? Thanks Simon

Hi, I would be thankful of some advice please. In 2012 I defaulted on a Studio account and my debt was sent to a debt collection agency/solicitor dept due to low earnings due to illness a £10 a month payment plan was set up, this went without fault for nearly 3 years and I used to make payment by phoning up every month and paying via debit card over the phone. The company name I used to pay the £10 a month to now escapes me however for the final month I phoned up to pay there was an answer phone message stating that the company no longer operated due to being removed from some kind of authority to practice in the collection for debts, I forget the exact terminology but when I googled the company it seems they had been struck off for some kind of illegal practices. There was a phone number of a company that were now dealing with this struck off companies affairs and when I contacted them they could not find a record of my debt on their system and advised me to speak to the original creditor, I called Studio to ask them for information regarding the outstanding debt and was told the debt had been sold and they no longer had any recourse on the funds that were owed. I felt I was going round in circles and could not do any more so I forgot about the debt assuming when somebody wanted the money they would write to me. In November of last year (2 months ago) I received a letter from Restons solicitors demanding the full balance of a little over £600 by way of a "letter before action" I called them immediately and explained the situation regarding the struck off company and the payment plan I had in place and was told if I wanted to set up the same payment plan I had to complete an expenditure form on their website to show affordability which I did just before Christmas. I expect to receive some kind of response when they had analysed it but not the response I did get: Today I have received a claim pack from Northampton county court, This is new to me and after a bit of research I figure this is the start of a CCJ they want to get put on me. Now I have a few questions. Firstly how do I resolve it at this stage so I dont get a CCJ, Its only for a relatively small figure inc fees a total of £800 and if possible I dont want to get a CCJ for this amount, I have read if I pay the balance within 30 days It does not get recorded on my credit file, is this 30 days from the date on the claim form or from date of judgement against me? I have tried calling Restons to get some answers as to why they did this, however i get through to an answerphone message that states they will call me back but they havnt yet and Id like to be informed of my next moves before I do actually get to speak to them, thank you in advance for any help. I would like to add on the claim form it shows Cabot as purchasing the debt in march 2016 yet the first I heard about this was November from Restons, Cabot had not even wrote to me to try and get a payment plan set up.

Bit of help/advise needed. during a recent search through the credit file I came across a default registered by Lowell Financial a former Provident debt. following some threads on here first thought was to CCA them CCA'd them on 14.06.17 finally received a copy of a credit agreement and statement of account on 29/07/17. however I am dubious as signature doesn't look like mine, the agent I was dealing with back then was named Joan and never had any contact with the agent named on the credit agreement. also on the statement of account it states I made a payment of 10.00 on 16/05/2013 however I did not make this payment. having checked the default date its 23/01/2012 so suspect they are trying to get around the stat barred rules. can anyone give me an opinion on the attached and also how to go about dealing with this. As 100% the agent signing is not the one I dealt with there was no payment on 2013 and statement looks abit iffy at best img011_LI (2).pdf img012_LI.pdf

Today I received a claim form from Cabot Financial with docs to be sent to Mortimer Clark Sols. Name of the Claimant ? CABOT FINANCIAL Date of issue – 24 JULY 2017 Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) - 26th AUGUST 2017 What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. By agreement between CAPITAL ONE BANK (EUROPE) PLC & the Defendant on or around 24/07/2014 ('the Agreement') CAPITAL ONE BANK (EUROPE) PLC agreed to issue the Defendant with a credit card. The Defendant failed to make the minimum payments due & the agreement was terminated. The Agreement was assigned to the Claimant. THE CLAIMANT THEREFORE CLAIMS 307.59 What is the value of the claim? 392.59 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? CREDIT CARD When did you enter into the original agreement before or after 2007? 2014 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. ASSIGNED Were you aware the account had been assigned – did you receive a Notice of Assignment? NO Did you receive a Default Notice from the original creditor? Not that I can remember Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? became ill and went on benefits What was the date of your last payment? unsure Was there a dispute with the original creditor that remains unresolved? no Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management planicon? no

Hi Quick bit of advice needed regarding filling out financial statements which has been requested by my ex local authority. Basically we have outstanding council tax debt with North Herts Council from around 6+ years ago. they got a court order and we was paying this off at £20 a month which we agreed with them. About a year ago they decided that they wasn't going to accept £20 a month any more and wanted £40, well we told them this was unaffordable and payments ceased. This has now escalated to Bailiff levels so we contacted the Council to say we weren't going to give the Bailiffs anything and that it's in their best interests to take the debt back and accept the original payment of £20 which was all we could still afford. They said we had to fill out a financial statement so we visited CAB who gave advice and provided the forms to send them. filled these in and emailed them off and the council have come back saying these forms should have been filled out by CAB themselves (never had to do that in the past) and they are not accepting what we sent them! Personally I think they are just being bloody minded, so they've been told as it's school holidays and I'm on my own all day with three kids, two of whom are Autistic, and the fact my Husband has moved out as we've now split up, this won't be possible till September. Is this correct that CAB have to do this form? Thanks Lisa

Hi, This is my first post here, so forgive me if I am covering old ground. I have a Barclaycard debt of just over £1500, that unfortunately went into default when I lost my job a few years back. I had been paying BC an agreed amount of £22 per month ever since without any problems. However, I recently received a letter from BC telling me that they had assigned the debt to Link Financial and that I should now make payments to them. I haven't done anything so far, as I have read in various places that I shouldn't have to pay anyone other than the company I owed originally. Is this the case? I have read about sending them three templated letters followed by an Estoppel notice - is this the correct course of action to take? I also understand that they could have bought the debt at a greatly reduced cost - should I offer something like £250 to try and settle the debt? Or, is everything I've read false and I should just start to make payments to Link in the future? I'm getting unbelievably frustrated with the worry of this, but I don't want to pay anyone who's not entitled to it. Surely if BC are prepared to take a far smaller amount to settle the debt, they should offer this to the person owing the debt first?

Hello financial guru's Today I received a letter from BC saying my account is to be transferred to Link Financial. This account has been on a repayment plan for the last 15 years, this was set up by Citizen Advice and I was paying £10 a month with no interest, this went on for 10 years with no hiccups. About 5 years ago BC decided to up my payments to £40 a month with a 3% apr, I've had the occasional nag letter about going to full apr but after some phone calls they have agreed to stick with the plan. 15 years ago the debt was about £4000, now it's down to 1200 so I'm not sure why they have done this. I remember a few years ago when we was having trouble making the new payments there was added late fees on top and when I first could not pay 15 years ago there were plenty of lates. I am not sure what to do now, shall I wait for the transfer over to LF and see what they want? my wife is all for re-financing it onto a new 0% card just to get rid of them? Any advice will be gratefully received. mutts

Start saving your money under the mattress !! Mark Carney, Governor of the Bank of England says... https://www.theguardian.com/business/2017/jun/25/booming-stock-markets-distract-from-threat-of-excessive-lending

Hi I'm not sure where to post this so hoping it's ok. We have a part interest and repayment only mortgage and not sure what to do! Also my husband and is in a work based pension but would like to know how or if he can increase it. We have rang a few places but still not really found out what's best to do. Can anyone advise the best route as we are considering an independant financial advisor but do they cover all the things like mortgages, pensions and some debt(credit cards, loan) advice would be great, thanks

been Paying a dca for the last 8 yrs for a barclay card loan:-x however with encouragement from this site i said enough is enough i stopped my direct debit and sent them a CCA today got a reply saying that my direct debit been stopped and to make alternative ways of paying however nothing about the CCA my plan is to wait and see what comes next:-( any avice:?:

Reading the advice about non-priority debts and what you should offer those creditors... it says, You cannot split your surplus, between credit cards, and then pay a loan.. (basically).. however, what do you do in the case of a joint loan?

I don,t know if this is on the right forum, but its a weird one I got a parcel today of two interior lights for a car from a company called www.autobitsuk.com I never sent for these , I looked at the address and it was from Flexzon Llp in bridgnorth Shropshire i l googled them and found the phone number (01746 767696) I dialled it and no answer i looked at my phone anti virus app and it came up as ND financial sevices ("the R is missing) but in the yellow pages it comes up as car parts shop , the questions are does anyone know them or heard of them? ,and why did they send the lights?, I have checked both paypal accounts and nothing there ?? its a puzzle to me any help or information would be great thanks

Miss-sold a product, received final response from ombudsman whom stated that we were an accidental landlords, the Financial Ombudsman went onto say that the bank, Yorkshire Bank, had missing paper work. They ruled in the favour of the bank, we fought back, by saying it was an unfair process, as they had missing paper work but the financial ombudsman said they had treated us fair, so would not re-open the case. We went back to the ombudsman and stated this was an unfair process, as it was not true and Yorkshire Bank is misleading. The ombudsman stood by their decision but said we could take them to court, in which we have just started court action. I later found information in our own filing cabinet that showed upon mortgage application that the house was tenanted by our daughter and we had made it clear and it was stated clearly on the application. As we went through that information it became clear that the bank had mislead the ombudsman, they had not informed them that we already had a mortgage on our own property from the same company, when we were filling in paper work, we agreed to questions like, are you paying for a residential mortgage, we answered yes thinking it was this property we live in as the advisor had just been speaking about it. The product we had wanted was a buy to let, on interest, we ended up getting a residential mortgage on payment plan, we didn’t know what this was as no information was provided, so never questioned it as thought it was a buy to let. They also mis-sold another product at the same time, which was a signature account once that complaint was made we received a final response from Yorkshire Bank admitting no liability, however, we took this case to the financial ombudsman also a year before this one and they found in our favour on that particular case, which was sold to us at the same time as this residential mortgage was, for a tenanted property. We have recently found out by Yorkshire Bank that this was not just missing paper work but the mortgage file is lost. Yorkshire Bank got out of this by saying but we have system files, it was these system files that were produced to the financial ombudsman, obviously missing out the information that we already had a mortgage before application and with themselves at our home address. Our home address is residential. Missing out the information that the property was tenanted before mortgage application, missing out information that we wanted a buy to let on interest. Yorkshire Bank mis-lead the Financial Ombudsman, plus the discussions with Helen, which they can’t keep on system files. I have been writing to them for months by recorded delivery, they would not respond, i used the last method I possibly could use, it was facebook multimedia site, we got them to speak to us, however it was transferring letters we had already sent to them via facebook. We then got a call from Yorkshire Bank, stating they found the letters in a closed file and don’t understand why they went in that particular file. During the call the lady made a mockery of the complaint, when I mentioned our daughter was a tenant in that property, she said, “oh your daughter”, although it was clearly documented. We have since then had four tenants who are not related or friends. That same advisor then started to tell us on the phone what the original advisor would have said to us at the mortgage application appointment, I said, “hold on a minute” your putting words in our mouths, that was not said at all. We have asked for a copy of the call but they said they will play it in a branch near us but we can’t have the recording. They admitted fault in another letter today with regards to no correspondence and put £100 in our bank without asking us if we would accept, we don't want the money, we want justice. Hence the court case. Is there any information you could supply us with or support us on, as I am doing this court case myself as we can't afford to employ a solicitor? We have also asked the bank permission as we are going to auction on the property but they said we need a valuation, we said it has to be quick and urgent as the auction is June 2017. We waited so long on them responding but never received a reply from them in three months, we have had to take the next course of action to help ourselves as the Bank has turned their backs on us at that point. I don’t mind the valuation, but June is fast approaching and this valuation in case there is a shortfall on the mortgage (all of this knowledge has been sourced by me from the internet) is not only our problem, Yorkshire Bank has contributed to this by not supporting us or responding to us, when we were desperate. We have also asked for email correspondence from them, they have refused, saying letter only. Because they did not respond to our other previous letters they have placed us in a bad situation dragging us along while times are getting difficult and trying to not get into the area of repossession, and now they think they can pull the strings and tell us what to do after all this time. We are not going to be able to afford the full mortgage and the council tax, our limitation is June 2017, hence the auction. We need some help or some area of support to reach to, we will do the work, this is not an issue, but please, some light at the end of the tunnel would be greatly appreciated. Thank you x

I defaulted on an MBNA Credit Card Debt in 2011. It was sold to Link Financial in 2012. It is showing on my credit file as owned by Link Financial. I have been making a token payment monthly. Reading the forums I see that settlement can possibly be made with a F&F. I made a CCA request and received the signed loan agreement. I made a SAR and reclaimed the charges back in 2011 before default (unable to work). A family member has offered to gift me 25% of the total to settle it. I want to check before I go ahead - am I doing the right thing looking at F&F ? Should I proceed by making an offer to Link?

Hi i have received a letter from Argos Financial recovery services requesting the full balance of my account or they will consider passing my account to a third party who may commence proceedings against me in the county court or sheriff court. I see this as very threatening and intimidating. I lost my job just before xmas 2016 and spoke to Argos to explain that i couldn't afford payments but am now at present back in full time employment and my direct debit has been reinstated and a payment was made on the 12th of April with the letter from Argos dated the 16th of april. I phone Argos to explain that i was now in a position to keep my monthly payment up but they were not even interested as it had been passed on to the recovery department. and demanded i fill out a personal financial statement to see how much i can afford although i am paying anyway. I feel that they are just trying to frighten people like myself into making full payments. Any advice would be appreciated as i am very frustrated with these complete Muppets.:-x:-x:-x:-x:-x

NatWest reveals most common financial scams http://www.nwemail.co.uk/news/NatWest-reveals-most-common-financial-scams-265e30b4-d606-4361-9fd1-ff8449f6a521-ds Along with the usual scams there are a few new ones - This article worth a read, especially for businesses

When I purchased my house I used the services of a financial advisor who also sold me health insurance policy to cover the mortgage at that time. Recently on speaking to a colleague at work, she has the same cover for a quarter of the price I am currently paying. I feel like Ive been pressured by the FA to take out a policy that was far more expensive than I needed to be paying. Is it possible to get my premiums refunded for this, or do I have to forfeit them if I cancel it and move to a cheaper product? Feeling really let down by someone I thought was giving me sound advice.

Hi everyone, please be patient with me as i am new on this site. My partner divorced his ex wife a couple of years ago and it cost him over £1000 but at the time did not have more money to be able to resolve the financial side of things ie selling the property and a clean break order, so we spoke to a solicitor a couple weeks ago and she said that it can cost him between 3 and 5 thousand pounds to go back to court to sort out the financial side of things. we can't afford this kind of money as we dont have any savings etc, so we are going to attempt to do this ourselfs, the story is as follows and thankyou in advance for any help offered on here as we dont have a clue on what we are doing:-D... As mentioned he divorced her, she lived in the mortgage free property as they paid the mortgage off before he left her due to her drinking, her abusive and unresonable behaviour 8+years ago, he also did alterations and extension to the property before he left, they have a son together that also lived in the property with his ex wife up until over a year ago when she kicked out her 17yr old son and tried to get him done through the police for actual or grivious bodily harm, the police took the minor to court and she was basically laughed out of court by everyone as her allegations were unfounded and it turned out that she had smacked him and he tried moving her of him when she struck him but because she was severely drunk she fell and hurt herself, the child then went to live with my partner at the grandparents house, she has been harrassing with callls and messages for a number of months now wich has been reported to the police in the past and she got a telling off from them but she keeps doing it, anyway we just want her completely out of our lives now and my partner wants to sell the property that she is in still so that he can secure a home for himself and his son who is now 18yrs old . I went to the courts today and they gave me a CPR Part 8 claim for to fill in. My questions are: 1. Is this the correct form? 2. Are there any templates that i could follow to fill it in as there is not much space where it says details of claim. 3. The deeds of the property shows them as joint tenants and he is entitled to half of the house in theory, so how quickly and likely is it that he will get a house sale order? 4. We know that if the judge agrees to him having the property sold so he can receive his share we know that she will try to put prospective buyers off, so can something be added by the judge stipulating that she is not allowed to put prospective buyers off and can he be there when people go to view the property?. 5. Can we send a estate agent round to value the house as we dont have a clue how much its worth so we can add this to the claim. 6. We were also told that after this he has to apply for a clean break order so that she wont be entitled to any of his finances, pensions etc, any ideas on how we go about doing this? Any advice will be very welcomed as we cant carry on with this situation any longer she is making our lives a misery, we have even offered her mediation so that they can come to some form of agreement to sell the house but she point blank refused as in her eyes its her house and he is not entitled to any share of it!!!

Hi guys, hoping to get some advice - if anyone has a bit of spare time to read through and make any suggestions it would be very much appreciated. Please see the info below for the current situation: Claim issued by Cabot Financial (UK) Limited Date of issue – 8th Feb + 19 days = 26th Feb, + 14 days = 4pm Friday 10th [revised - dx] Particulars - "Monies due under current account overdraft. 1.THe claimant's claim is for the balance outstanding under a Bank account facility Yorkshire Bank agreed to maintain for the defendant. It was a term of the Bank account that any debit balance would be repayable by the Defendant in full on demand. The defendant has failed to repay the amount due. The debt was assigned to the Claimant." Value of claim - £1000 - this includes the overdraft amount of £850 and court and legal representative costs of just under £150 Overdraft from a basic current account Account opened 2013 Were you aware the account had been assigned – did you receive a Notice of Assignment? Not sure, went through a phase of not opening letters and moving address Context - this was a basic account with no arranged overdraft facility. I was suffering from an addiction at the time which meant I uncontrollably spent all money effectively as soon as it was available, however I was able to go £900 overdrawn on the account (not a planned or arranged OD, this would definitely have been rejected if applied for). Account has not been used since 2014. I have sent no communication to either Yorkshire Bank or Cabot. Is the first step to send a CPR31.14 to Mortimer Clarke (listed as solicitors on the form)? I don't expect to be able to defend it successfully as I do owe the money, if I am going to lose the case my best option seems to be to try and delay any judgement for 3/4 months, by which time I will have saved the money and then can pay it within a month after the judgement which therefore it means it won't show on my credit report - is this correct? Many thanks for any help.

I have got an ccj against me from Cabot financial we have had a visit from an county court bailiff regarding this of which I refused to deal with him and certainly did not get entry into my property I have now received a final notice letter stating that they have no alternative but to attend with vans and porters to remove our goods for sale am I right in thinking that unless they gain peaceful entry this will not happen I do not own a car and they is nothing of any value outside Thankyou for any advise in advance.

My friend has a CCJ attached to her house. She would like to make an offer to clear this and would like to know what % to offer?

Hello, I am writing here on behalf of my mum. My mum works for one of the major food retailers. One day, in the store canteen there was an independent advisor who had set a desk for the day to talk to staff about tax relief/rebates etc. The main points were about how you can claim back allowance for washing your own work uniform and stuff like that. The company that were allowed by the retailers was called UK Tax Refund Limited. As you can imagine, many staff members at the store, and at 3 other stores around the area were interested in this advice. Unfortunately this has since turned into a bit of spoof, in that people were asked to sign forms in which they were assuming they were giving permission for the person to act their behalf to claim back rebates/ allowances ect. However it now appears that the extra small print on the forms gave up far more than that. I dont have the exact details as this is third hand information, but it appears people have signed away certain rights etc. What I want to ask is, surely the retailer has liability here for any loses suffered from this. The retailer allowed the company in and set up on their premises. From a staff point of view, they did not seek out the advise, it was brought to them. the staff all made the assumptions that this was something sponsored by the employer, and was therefore safe. at this moment the retailer is washing their hands of it, stating that any member signing a form accepts responsibility for their actions. Surely that cannot be true. What would be the best course of action for the staff here to get the retailer to acknowledge their liability in this by allowing a company on their property without checking credentials, or, even telling the staff that this was an independant company and in no way affiliated with the retailer? Is there a class action here? we are talking about lots of people across multiple stores that were miss-sold advice.

Hi there I had a old outstanding debt from 2008 that has gone through various collection companies and at no point have acknowledged them. It is now held by cabot who have instructed their solicitors to make a county court claim i intended to challenge the claim based on the debt being statute barred and so filled out the acknowledgment of service giving me time to challenge this. I have since received a reply from cabot who have agreed that it is now statute barred and they will cease any further collections of the debt and Also inform there solicitors to stop any collections. The problem is that the 28 days is up on Tuesday and im worried that the solicitors wont stop the court proceedings in time and i will end up with a ccj . Does any one have some advice please on what to do next. Cheers.

Hi all Hoping for some advice. I recently returned my Peugot 208 following the end of my PCP agreement. The car was well looked after and unmarked inside and out with the exception of two small stone chips on the bonnet. Mileage was well under. On the day the car was collected, I was there in person, the inspector went through it with a fine tooth comb, checking everyting off. The weather was dry and sunny so any marks would have been visible. The inspector actually stated that the car was in perfect condition and the best he had seen. He took photographs of the stone chips and logged them and I signed to say that I agreed with what he had found. I asked him at the time where he was taking the car as it was quite late on a Friday afternoon. He said that he was taking it home for the weekend and then taking it in on Monday. Surprise, surprise a week later I receive a letter from RMS Receivables indicating that there were dents on both front doors and that there was a charge of £50 to pay for the damage! This is absolutely not the case. There were no dents or any other damage on that car other then the 2 small stone chips when the car left me. I have emailed both RMS and Peugeot Financial Services today to say that they are wrong, there was no damage other than what I signed for and suggested that if there was damage they should speak to the inspector who collected the vehicle as he took it home for the weekend and that there was no damage when it left me. I have told them that I reject this claim in its entirety and ask them to confirm this. I haven't received anything back from them as yet, but I'm not expecting them to say "Oh sorry our mistake". I flatly refuse to pay this out of principle. If there was damage then fair deal but there was not! Does anyone have any experience of dealing with these people and any idea what I can expect next please? Any advice would be gratefully received. Thanks Jan