Moneybarn - 2 months behind - Repo man showed up

[Willy Wonker]

Hi thanks for the replies

 

dx100uk - have looked at your message this isn't a log book loan it a HP agreement I took out so would the same apply? '' just remember you've yet to verify that BOS is registered too!''

 

 

I will go back through all my Moneybarn paperwork now and will work out how much in late fees I have paid - along with the fee they made me pay for the time the last repossession company attended.

 

Just off the top of my head I would say that the 356.00 (which turned into 371.00 after adding a further 25.00) which threw the arrears at 1.10.13 to 2 months would be wiped as I have at least had 6 x 25.00 plus the 200 + vat repo fee.

 

So potentially I would say I owed this month - am I barking up the wrong tree here and how do I put this in a letter to them without jeopardising me keeping this car as they are quite rude you know and just love getting one over on me I am sure - I am terrified of the knock at the door - feeling very unwell again.

 

Thanks

 

WW

[havinastella]

You are correct and that is why I asked what you have paid towards the 'real' amount owed.

 

What deposit did you pay?

[Willy Wonker]

Hi havinastella,

 

I paid just £420 deposit and agreed £370 a month.

 

I am behind this month - October £370 and also there was £356 which became £371 (with another £25) - 1st payment I made to them was 1st December 2012 so I have paid 9 months approx. £3330, so nowhere near 1/3 I'm afraid.

 

WW

[dx100uk]

the key here is the Bill of sale

 

is it registered

 

once you get that answered

 

well go from there.

 

you have an HP agreement secured by a bill of sale

 

the BOS still MUST be registered.

 

if you wish scan up the paperwork that you have:

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

*************************************************************

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

[Willy Wonker]

Thanks, I'll do that now - didn't tie up the HP agreement with a Bill of Sale - thought BOS related to log book loans so apologies

 

Off to dig out everything from them

[Willy Wonker]

Hi apologies I am having issues uploading the docs - have scanned and copied onto word docs and have tried to upload them using the advanced tool below but not happening for me - will keep trying

[dx100uk]

convert the word doc to pdf.

 

this is going to be interesting

if its a Conditional Sale Agreement

it cant be an HP agreement

and it wont have a bill of sale.

 

but they cant repo if PRIVATE land/property /drive without a court order.

 

dx

 

 

dx

[Willy Wonker]

Hi again,

 

Hopefully this is ok and these will upload

 

Hi, am just about to upload the documents.

 

Just wondered if you would like me to attach the Creditplus paperwork which clearly states 'Hire Purchase Loan Details & Payments ' with figures on it (which I signed), yet the welcome letter from Moneybarn does say this is a Conditional Sale agreement.

 

Didn't know if any of this would be relevant.

 

Just wondered if you would like me to attach the Creditplus paperwork which clearly states 'Hire Purchase Loan Details & Payments ' with figures on it (which I signed), yet the welcome letter from Moneybarn does say this is a Conditional Sale agreement.

 

Didn't know if any of this would be relevant.

 

If it is I will attach that also

 

thanks

 

I will dig the original agreement out this evening and upload - sorry if I included any numbers there that I shouldn't have.

 

I don't have the BOS as I will need to apply as per a previous post - will I get this over the weekend or is it a Mon-Fri department?

 

I'll be back as soon as I have the other info for you.

 

thanks

 

here goes - hope this helps.

 

I applied through Credit Plus as my credit was much less than perfect should I say.

they tried to palm me off with cars they had found

- sending examples through by email and when I did a bit of digging the same car was on ebay for a lot less money.

 

to cut a long story short I sourced the car myself (in a garage) and they spoke with that garage.

 

Here are the documents for you to have a look at

- still jumping up when a car pulls up outside

- just a matter of time till the guy turns up again I suppose,

would be great to know what I can say/do

- as a woman living alone it can be quite scary sometimes.

 

thanks for all your help so far guys I really really appreciate it

- I was feeling like a duck out of water with no idea what to do next

- at least opening up about it is helping

- so thanks again everyone.

 

WW

 

 

please upload everything you have..- dx

[Willy Wonker]

I should point out that since the 1st letter was sent I made a payment of £800 on 30 Sept which they have acknowledged and I have the receipt to hand.

 

thank you all for taking the time to look at this with me

[dx100uk]

default notice is invalid as its lists

 

penalty fees & default sums in the total

 

so they've terminated on the back of an invalid DN

 

gameover.

 

if they repo now

you'll be able to sue for every penny you've paid

 

dx

[havinastella]

So they have sent you a default notice to pay arrears you owe on charges that are unlawful. PRICELESS.

[renegadeimp]

One thing to note. They state a repo fee (unlawful charge) of 200 + vat. Now, are they actually paying that vat to hmrc, given that its an unlawful charge? How many other people have fallen for this trick?

 

Perhaps an anonymous tip off is in order....

[dx100uk]

yea but to list them ON THE DEFULT NOTICE what MUPPETS!!

 

why have you no copy of the BOS

 

that's a legal document

 

have you lost it or they never sent it....

 

 

dx

[dx100uk]

I've done the attachments guys so's you can now see them

 

all docs in post 33

 

take a good look at the default notice

I've found five things that make it invalid

 

dx

 

 

dx

[renegadeimp]

Haha nice of them to state you will be paying an unenforceable penalty fee right at the start of the agreement.

[dx100uk]

urm this is not looking good for credit plus

 

you signed up for an HP agreement

you got a conditional sale agreement.

 

sadly there are SO many reports of like things wit this company

 

where did you sign the docs [both of them]

 

this is beginning to smell

 

dx

[Willy Wonker]

Hi,

 

Everything was emailed to me and I had to print, sign, scan and email back to them. (both CreditPlus & MB). This included my ID, front and back of my debit card, wage slips, bills etc.

 

I wasn't asked to send anything by post.

 

When I turned up at the garage to collect the car I had to sign for it and pay £220 (I had paid £200 over the phone previously to the garage to secure the car)

 

I left the garage with a receipt which was stating details of the car, amt paid (deposit) and balance paid by finance.

 

I don't recall signing anything else (I may well have but it was a Sunday, my train was late so garage stayed open for me- this was a 3 hr train journey to collect the car and the garage was closing so they were keen to get me out of the door).

 

I certainly didn't leave with any other paperwork other than the log book part that I had to send off to DVLA.

 

Hope this helps.

 

Can I please ask , as I know that the repossession company will turn up at some point - possibly before tomorrow before MB get back into the office and see contact from me (I haven't emailed them as yet as waiting for advice as to which angle I need to use).

 

Thanks again everyone - this looks like a can of worms but I am at a loss as to where I go with this. I want to keep the car but if I can get the charges they have levied taken off then it will reduce the £700 + they are asking for in arrears which will of course make it much easier for me.

 

WW

[Willy Wonker]

Hi

 

Just an update - there is a van outside my house - Wrights Recoveries - they are now knocking the door.

 

Have just looked them up on the internet and they are vehicle repossession company.

 

What do I do - I'm afraid to answer.

 

Thanks

 

WW

[Willy Wonker]

And as they had no answer from me they have been speaking to one of the neighbours - so I am sure they will be back at some time today. The car isn't here at the moment but is likely to be later on, any advice here please.

[renegadeimp]

They came on a sunday? Not even bailiffs can do thay.

[Willy Wonker]

Well they have - the note that they left on Friday evening said that they would call at unsocial hours - so I presume they have warned me that they are prepared to come.

 

I am sure they will come back at some point today. What should I do at this point - answer the door and tell them to go away and tell them they need to speak to MB tomorrow?

 

Its just awful when you are terrified to be in your own home - the guys in the van looked quite heavy.

 

WW

[renegadeimp]

Dear oh dear. That hole gets deeper and deeper.

 

Keep that car a good 10 min walk away and IGNORE them. If they do catch you unawares, then walk into your house and close the door.

[Willy Wonker]

I have just been looking at all the payments I have made - bearing in mind the instalment is £370.87 and payments started on 1st January 2013 - I should have paid a total of £3708.70

 

Looking at my receipts (so all including the charges levied) I have paid them £3809.62

[renegadeimp]

Sadly you are dealibg with a company that has no morals. Like weve already advised, keep that car a good 10 min walk away from your house.

[Willy Wonker]

Thanks I will - but how do I deal with MB when they open tomorrow as I am sure that the visits will continue.