Hi people, Firstly this website has been a godsend, with all the posts and help i have decided to take my head out of the sand and fight. I hate motormile, they are abusive, threating and pray on peoples lack of knowledge.... so i done my research and sent them this as they keep threating to come to my house. This was even after i sent the "Tort of Trespass" and repeated requests to stop harassing me as i take panic attacks Anyway i hope this helps others. Dears Sirs, Further to my email here are the OFT guidelines on Debt collection visits as i feel you may be unaware of them; Debt Collection Visits; 3.11 Those visiting debtors must not act in an unclear or threatening manner. 3.12 Examples of unfair practices are: a. not making the purpose of any proposed visit clear, for example, it is not sufficient to merely state that collectors or field agents will call and not state what they want to achieve by visiting the debtor b. visiting a debtor when it is known they are vulnerable (by reason of age or health or disability), for example, when a doctor's certificate has been provided stating that the debtor is ill c. not leaving the property when it becomes apparent that the debtor is distressed or otherwise vulnerable, for example if it is suspected that the debtor might have insufficient mental capacity to make an informed repayment decision at that time d. entering a property without the debtor's consent or an appropriate court order e. not leaving a property when reasonably asked to do so f. visiting or threatening to visit a debtor without his prior agreement when the debt is deadlocked or disputed g. not giving adequate notice of the time and date of a visit h. visiting debtors, unless requested, at potentially inappropriate locations such as work or hospital. These guidelines further substantiate my claim of harassment and if your current practice of threats continue i will file a complaint on these guidelines. Good Luck http://www.oft.gov.uk/news-and-updates/press/2012/21-12

Hi there, I am new here but it this looks like the place to find an answer to my question. My g/f wants to settle/terminate her car's Hire Purchase agreement as we are leaving the country (not known at the time of taking it out). The key facts are... Cash price of car = £11,667.77 Advance payment = £855.48 Rate of interest on credit = 7.72% Total charges = £3,011.31 (interest of £1,826.31, acceptance fee of £125 and option to purchase fee of £60) Finance term = 36 months Monthly payment = £208.36 Early settlement figures Quarter of duration = £9,567.55 Half of duration = £8224.71 Three quarters of duration = £6,796.16 Termination = half the amount payable under this agreement (£6,839.54) She has paid the following... 15 months @ £208.36 Advance payment of £855 Totalling £3980.40 There is a Final Payment (I understand this is also known as a balloon payment) to pay of £5406 at the end of the 36 months, but we understand that is optional. If she opts not to pay this, she can give the car back. I have heard about the Voluntary Termination and cannot work out if we can invoke it in this instance. As part of this agreement, is she liable for the whole 36 months - or can she pay 50% of the amount due over the 36 months and then give the car back and have to pay no more? Or is the Voluntary Termination only applicable when 50% of the WHOLE amount (i.e. 36 monthly payments + balloon payment) has been paid. VWFS have said that she needs to pay the difference between total paid to date (£3,980.40) and the termination cost (£6,839.54) which is £2,859.14, JUST TO GIVE IT BACK TO THEM. The car is in good condition and is under annual mileage allowance. Any help would be very much appreciated, including anything i can quote. Many thanks in advance, Themanlike