Bramber DR - DAF LTD T/A Yes Car Credi

[kh41]

A Company Called Bramber Debt Collecion ae handling the account

[clemma]

I would remove your reg plate number from the documents........

[GamekeeperToPoacher]

Hey KH,

 

I noticed that there is an 'insurance' payment in there.

 

You would be advised to check that as I should hate you to lose your cover.

 

In addition as Clemma has pointed out there is lots of personal identifying info there - some DCAs are known to use this site!

 

GK

[kh41]

Thanks 4 your help guys

 

Ok so if ive understood correctly agreement is unenforceable due to deposit being used for insurance not finance ?

 

so do i now just ignore them or do i need to send some sort of letter, also im sure this account must be nearly or already is statue barrred agreement signed november 2002 las payment made would of been around march/may 2003

 

sorry to be a pain

 

KH41

[postggj]

Dont Tip Dlc Off About The Crap Agreement

Thats The Final Nail

 

Just Send Them The Statute Barred Template And See What They Come Back With

 

You Can Then Say About The Crap Agreement

 

By The Time You Get A Reply It Will Be Statute Barred

 

Dont Forget To Put I Dont Acknowledge The Debt At The Top Of The Letter

 

I Love Yes Car Agreements

 

Its To Easy

[kh41]

How Can i Find out when last payment was actually made ?

 

im Just worried i send Statue Barred letter and it turns out last payment was in July/August or something

 

Many Thanks

 

KH

[postggj]

Its Been A Few Years Since The Demise Of Yes Car

 

How Does Yes Car Apperar On Your Credit File

 

Is It Infact There

 

Also. If Not Statute Barred, Agreements Are Tosh Any Way

[kh41]

have looked on 2 credit files nothing mentioned just need to sign up for equifax then check there

[kh41]

hi all recieved this response to the statue barred letter i sent them

 

bramber.jpg picture by lickjo - Photobucket

 

 

is this good news ??

[cerberusalert]

They're having to check with the original creditor to see whether it's SB or not.

[postggj]

You Have Them Worried Big Time

 

By The Way

 

Bramber Is A Dca By Another Name

 

Marlin Financial Services

 

They Got All The Yes Car Accounts Along With Go Debt

 

They Are Fully Aware That The Agreements Are Crap:D:D

[kh41]

yes Marlin were chasing me before Bramber i just assumed was part of same company

[kh41]

Morning All

 

AN update to my staue barred letter sent, and the nice people at marlin have sent me this nice document,

 

1.jpg picture by lickjo - Photobucket

 

2.jpg picture by lickjo - Photobucket

 

 

have i gone mad here or ddoes this statement sheet say balance is zero ?? if so how can i owe them £5000+ seeems to me this manipulaed doc has been ballesd up lol, i know i wasn, paying them £30 & 25 oken paymennts and even if i was after the 1st of september it is deff statue barred as that was paymen made

 

next step anyone ??

 

KH41

[mr.ton]

They have no legal powers to money off you whatsoever, only a county court does.

Tell them to get lost & report them to the OFT/trading standards.

[pmhcfc]

Morning All

 

AN update to my staue barred letter sent, and the nice people at marlin have sent me this nice document,

 

1.jpg picture by lickjo - Photobucket

 

2.jpg picture by lickjo - Photobucket

 

 

have i gone mad here or ddoes this statement sheet say balance is zero ?? if so how can i owe them £5000+ seeems to me this manipulaed doc has been ballesd up lol, i know i wasn, paying them £30 & 25 oken paymennts and even if i was after the 1st of september it is deff statue barred as that was paymen made

 

next step anyone ??

 

KH41

 

The repossession payment on 27/2/04 would actually count as a payment toward the account...meaning it wouldn't be Stat Barred until end of Feb next year, however there is the issue of the validity of the Original Agreement....I'm sure you can play postal Table Tennis re this until it is officially stat barred

[kh41]

But what about the balance showing £00000 if is showing zero how can i owe £5000+

[postggj]

The repossession payment on 27/2/04 would actually count as a payment toward the account...meaning it wouldn't be Stat Barred until end of Feb next year, however there is the issue of the validity of the Original Agreement....I'm sure you can play postal Table Tennis re this until it is officially stat barred

 

 

THATS AN INTERSTING COMMENT PMHCFC THAT I WOULD LIKE CLARIFICATION ON.

 

YES THE REPO AMMOUNT HAS BEEN ADDED TO THE ACCOUNT, BUT NOT BY THE CAGGER BUT YES CAR.

 

SO THE CAGGER HAS NOT ACKNOWLEDGED THE DEBT

 

NEED CONFIRMATION ON THAT ONE

 

EVEN THOUGH MARLIN ARE CLUTCHING AT STRAWS, THE AGREEMENT IS CRAP REF DEPOSIT PAID TO PPI NOT THE CAR

 

SUCK EGGS MARLIN, YOU KNOW THE SCORE

[pmhcfc]

THATS AN INTERSTING COMMENT PMHCFC THAT I WOULD LIKE CLARIFICATION ON.

 

YES THE REPO AMMOUNT HAS BEEN ADDED TO THE ACCOUNT, BUT NOT BY THE CAGGER BUT YES CAR.

 

SO THE CAGGER HAS NOT ACKNOWLEDGED THE DEBT

 

NEED CONFIRMATION ON THAT ONE

 

 

If it came down to it, it would be argued that by the CAG member giving the car up for repo, he would acknowledge it would be sold to pay monies toward the clearing of the balance...It doesn't need clarifying any further than that...It's a shame, but that's the way it is.

 

The balance showing as zero is normal practice when a debt is sold on. It's an argument that's raised its head on these boards before, it's just normal standard practice for the industry.

 

Again, none of this should matter as the agreement itself leaves a lot to be desired.

[kh41]

Thanks guys for he sound advice, what is my next step how do i fend em off for 8 months lol. ??

 

any letters would be much appreciated

 

thanks Kh41

[postggj]

Did You Ever Get A Default Notice

Can You Post It If You Did

I Think We Can Drag This Out For Eight Months

 

Next To Welcome Finance

Marlin And Yes Car Deserve All They Get

[kh41]

As far As i know ive never had it, there is nothing on credit files regarding debt so assuming i have never had one or it would show up

[postggj]

Knowing Yes Car Like I Do, There Prob Is No Default Notice

 

Lets Do This Right Then

 

Send The Dca A Letter Requesting A Copy Of The Default Notice

Send Recorded

 

Tell Them That As They Are Now The Creditor, They Have An Obligation To Provide It

 

Should Give Them Some Thing To Think About

 

Thats Six Months Gone All Ready:lol:

 

Tell You Now

 

100% Sure You Have This In The Bag:-D:-D:-D:-D

[kh41]

wont they default me if i ask them for one ?. seem to be trying everyhing else

[postggj]

For Yes Car To Sell The Account To Marlin, Yes Car Would Have To Terminate The Agreement By A Default Notice

 

If No Default Notice, Shame, They Had There Chance.

 

And No, They Cant Default You As Yes Car Have All Ready Defaulted You

[kh41]

erm think i got lol.

 

thanks will get letter sent off monday, watch this space thanks postggj

 

p.s what happens if by chance there is a default notice lol ?