Go Debt - help needed

[Theowlhouze]

Hi postggi

 

I'm tugmistress's other half. Thanks for all the help you've given her on this just wish I'd found you earlier. Had a read through the links you put up and I was wondering although I have paid them as from what I've read it was for an unforceable/missold agreement could I claim this money back or is it too late now.

 

Thanks again

 

Stuart

[postggj]

my own opinion would be to leave well alone on that score

at the end of the day you did have use of the finance agreement and a court may well not be to pleased if you go down that road.

its called unjust enrichment

 

just be satisfied you are getteing rid of a mile stone around your neck and put it down to life lessons.

 

i dont blame you for wanting to get your money back as from the beggining they were conning you.

 

keep me informed

regards

[tugmistress]

OK letter received this morning from Go Debt --

 

Dear Mrs XXXX

ref direct auto financial services ltd - £1281.28

Thank you for your letter of 12th August 2009.

We do not agree with your view and believe your account is enforceable.

Yours Sincerely

Carwin Humphries

 

 

....................................

 

What's next please?

[postggj]

Not Unexpected

 

Thats Just A Template Reply

 

You Need Now To Write Again By Recorded Delievery

 

Ask Them To Clarify Why They Consider The Account Enforceable

AND TO COUNTER THE POINTS RAISED IN LAW

 

Remind Them Until They Comply The Account Is Still In Dispute

 

Request A Reply With In 14 Days Or You Will Be Handing The File Over To Stephensons Solicitors To Act On Your Behalf

 

No Panic

This Is Normal

[tugmistress]

ok, i don't suppose there is a template for such a letter? i am crud at composing them myself

[postggj]

Ill See What I Can Do

[tugmistress]

Thank you - you are a total star

[tugmistress]

Hi postggj,

you manage to draft anything for me please? i been trying to sort out what to put and really have no idea what to write.

[postggj]

YOUR ADDRESS

GO DEBT

ADDRESS

 

 

ACC NO

OR REF NO

 

 

DATE

 

 

DEAR SIR/MADAM

 

 

THANKYOU FOR YOUR LETTER DATED XYZ FOR WHICH THE CONTENTS HAVE BEEN NOTED.

 

 

I SENT YOU A LETTER ON THE XYZ WITH REFERENCE TO A YES CAR CREDIT AGREEMENT FOR WHICH THE CONTENTS ARE BELOW

 

 

 

 

 

 

after Having An Audit Of My Agreement , I Have Been Informed The Agreement Can Not Be Enforced

 

any Deposit Or Trade In Has Been Used For The Ppi Insurance, Not For The Purpose Intended.

as A Result The Agreement Is Unenforceable

 

if You Maintain The Agreement Can Be Enforced, I Will Have No Alternative To Turn The Matter Over To A Firm Of Solicitors Called Stevensons.

 

as You Have Had Prior Dealings With These Solicitors, Costs Now Become An Issue

 

i Expect Your Reply With In 14 Days

 

 

 

 

 

YOUR REPLY TO THIS ON THE XYZ WAS AS FOLLOWS

 

 

 

 

 

 

Dear Mrs XXXX

ref direct auto financial services ltd - £1281.28

Thank you for your letter of 12th August 2009.

We do not agree with your view and believe your account is enforceable.

Yours Sincerely

Carwin Humphries

 

 

 

 

 

 

AS STATED, UNLESS THE ACCOUNT IS TERMINATED, I WILL HAVE NO ALLTERNATIVE BUT TO TURN THIS MATTER OVER TO STEVENSONS SOLICITORS TO ACT ON MY BEHALF.

 

 

IT IS MY BELIEF THAT GODEBT ALONG WITH ANOTHER DEBT COLLECTING AGENCY PURCHESSED NO ENFORCEABLE AGREEMENT THAT HAVE BEEN PUT BEFORE THE

 

 

 

 

 

 

 

 

COURTS TO DEEM THEM UNENFORCEABLE.

 

 

COSTS WILL BECOME A MAJOR FACTOR IN THIS AND I REQUEST YOU CONSIDER YOUR POSITION BEFORE I INSTRUCT STEVENSONS.

 

 

IT WILL BE ALSO MY INTENTION TO MAKE A COMPLAINT TO THE FINANCIAL OMBUDSMAN OVER THIS MATTER. AS YOU ARE AWARE I NEED YOUR REPLY TO MY COMPLAINT BEFORE I CAN ESCALATE IT TO THE FINANCIAL OMBUDSMAN.

 

 

I HAVE INFORMED YOUR COMPANY THAT THE AGREEMENT IS UNENCORCEABLE DUE TO THE FACT ANY DEPOSIT OR TRADE IT HAS BEEN ADDED TO THE INSURANCE PRODUCTS AND NOT FOR THE PURPOSE INTENDED, THE VEHICLE.

THIS HAS PREJUDICED MYSELF IN REGARDS TO THE TERM OF THE LOAN AND THE TOTAL AMMOUNT REPAYABLE DUE TO THE INCREASED INTEREST PAYMENTS.

 

 

I REQUIRE AN EXPLANATION WITH STATUTE LAW LEGISLATION TO COUNTER THIS DEFENCE BEFORE THIS MATTER IS ESCALATED TO THE FINANCIAL OMBUDSMAN OR CIVIL ACTION.

THIS REPLY WILL ALSO BE USED IN ANY LEGAL ACTION INSTRUCTED BY YOUR COMPANY IN THIS MATTER.

 

 

UNTIL GODEBT OFFER COMPLIANCE IN THIS MATTER OR BY WAY OF A FINAL RESPONSE, THIS ACCOUNT REMAINS IN OFFICIAL DISPUTE AND I EXPECT NO ENFORCEMENT ACTION TO BE TAKEN EITHER BY CORRESPONDANTS OR THROUGH THE COURTS

 

 

 

 

 

 

 

 

 

 

 

 

FEEL FREE TO ADD OR DELEATE

 

YOU GET THE IDEA

[tugmistress]

thank you ever so much postggj - i'll print that up after first shift this morning and post recorded

i'll let you know what they come back with

[tugmistress]

ok just posted this recorded delivery, will keep you updated as i'm sure it ain't over yet

[postggj]

its going through the motions with godebt

 

marlin would have threw in the towell by now

 

take my word on it

 

its over bar the shouting

[tugmistress]

just a quick update, got a phone call yesterday from that carwin humphries guy, he started wittering on about the account on hold, i just butted in and said i had sent another letter recorded to him and he asked when, i said last week and he said he hadn't received it yet and said something it had better arrive tomorrow ? then i put the phone down.

[postggj]

I Take It That Humphries Gut Was From DODEBT/ Cretin

As Far As You Are Concerned The Account Is On Hold And In Dispute And As You Sent The Letter By Recorded Delievery, They Can Sod Off

 

Its Nice Knowing The Boot Is On The Other Foot And Well Done For Standing Your GrounD

This Chap Knows Exactly What The Situation Is

 

Its All Over Bar The Shouting

 

They Have To Try, Dont They,

But You Know Better

[tugmistress]

haha yes he's from go debt, each time he rang before i found this board he was very officious it was nice hanging up on him

[postggj]

Knowledge Is Power

No Commission For Him On This One