defaulted car loan with The Funding Corps

[Consumer dude]

I have had dealings with these people and they are not pleasant at all. I would say never to phone them at all. They can charge whatever they like, however wheter they can enforce it is another matter. If they are continuing to phone on a landline, I would make complaint to your phone provider to request they change your number due to harrassment..

[Consumer dude]

Sorry about the continous posting, but the postman just dropped a letter through the letter box and another letter from TFC with another £30 charge, this is 2 letters in 2 days at £30 each...i feel we have more charges on the account than what the actual debt is for, this does snot seem fair to me, any thoughts?

 

 

 

 

 

 

 

 

Your right, it is'nt fair, what I did was just ignored them for a while until I was ready to put pen to paper. Don't let them get to you and what I found was the more you respond to there silly demands the more they will make more demands of the same..

[Consumer dude]

Thanks doc for the reply, i do know that there are quite a lot of excess charges of either £30 or £40 on the account, with regards to quoting the SCJ about bank charges will the same apply to TFC and their letter fee charges, as i once had a phone coversation with an "operator" at TFC about those charges, they informed me that they are legal as they have to employ someone to write it, put it through a franking machine, plus i remember them saying the employee has to have a computor to type it up on, a desk to sit at and a chair to sit on, that is why they can charge the £30 penalty fee.

 

 

 

 

 

 

 

Save the letters, and write them a letter telling them that the account is in legal dispute..

[Consumer dude]

Hi Martin thanks for the reply.

 

I have a huge folder containing all the letters the company have sent to me in the past. (Including statements, letters of default, termination of contract and final notice letters amongst many many others)

I do understand that if they are not satisfied with my identity they can ask for proof of who i am, but considering the amount of letters i have received and the sensitivity of those letters, i am sure they do not doubt who i am. I refuse to send anything to them on this basis and requests for my signature seem suspect in the very least...

 

Oh and the company...

 

The Funding Corporation...

 

 

 

 

The Funding corporation, now don't get me going about them..

[Consumer dude]

Oh please do enlighten me, as i seem to be having a torrid time with them at the moment

 

 

 

 

 

 

 

 

 

I would as a matter of urgency change your landline number as they will never stop phoning. My OH had them phoning her as soon as she came in from work demanding money and putting pressure on her. I decided to change the number as the pressure was putting unbelievable strain on our relationship..

[Consumer dude]

We have considered changing our number also, but before my redunadancy they continually phoned my place of work also, which was not appreciated by my manager

 

 

 

 

 

 

 

Have they cashed the ten pounds up which I assumed you sent off as part of the subject access request ?

[Consumer dude]

Dude, yes they acknowledged the letter and have cashed the £10 postal order in which we sent back on the 7th June.

 

 

 

 

 

 

 

 

Well in that case, I would be saying that the fact they have cashed the money sent with the subject access request they have excepted your request for the data you requested.

 

Keep everthing in writing and do not talk to them over the phone at all..

[Consumer dude]

Thanks, i was on the understanding that if it was cashed they accept the request, but i was not surprised to see the "Prove It" letter in the post, i have not sent any confirmation as to who i am as i feel like i mentioned before they know full well who i am considering the phone calls i have and letters i keep receiving.

 

As i think the 40 days are up in the next few days what plan of action whould i now take with them...?

 

 

 

 

 

 

 

I believe you can take it up with the information commissioner.

 

Type that into your browser and it should take you to there site..

[Consumer dude]

Send them the non compliance warning letter.

Dont forget-a complaint to the ICO will need to be supported by their Comms to you (copies of) so the ICO will want to know why you didnt provide some proof of ID after they asked.

I know this is a pain in the A**

 

 

 

 

 

 

 

I would just say the fact that they had cashed the postal order is acceptance to me that they have accepted my request as the request with the money arrived together..