sentinel DCA / Jeff Johson cars ltd finance - help needed

[dave006]

Hi, need some help please:

 

Had a loan for a car a few years ago.

 

 

It was a complete lemon, broke down time and again.

took it back and it broke down again the next week.

Paid a £500 cash warranty on it that was supposed to cover it for everything.

 

 

It broke down one last time about 3 years ago,

called them, said we had to get the car to them.

We couldnt, so it sat there for 10 months.

I told them time and again, and then eventually scrapped the car and informed them of that.

 

Borrowed £1500 to begin with for the car,

paid £800 (£500 for warranty) deposit for a car that was worth maybe £1200 max at the time (didnt know that then)

Paid £300 a month for about 20-24 months.

 

 

Yet this letter below says I owe £5110 still.

 

 

When you have disabled kids and no transport and cant get credit you are desperate and will use anyone,

know it was stupid but had no other options at the time.

 

Then 4 weeks ago go a letter from this firm saying they had the debt and were going to do a doorstep visit.

I called them straight away telling them I withdraw any right they have to visit me,

and that I dispute the debt.

 

 

We never had a credit agreement (there wasnt one, ever) and we did not owe the debt etc.

I was told that they didnt have a copy of the CCA!!

I was told to email them what I wanted and they would get back to me, this is what I emailed.

 

Re our conversation today:

 

no 1/ You have no right to access to my property,

you have no right to call at my property.

We do NOT have, and have NEVER had, a contract.

Any permission you believe you may have had from me is hereby withdrawn.

 

 

If you believe that you have power of attorney to act on my behalf,

you are hereby FIRED,

and any consent you believe you may have, tacit or otherwise, is hereby withdrawn.

 

 

If you feel so inclined as to enforce statutes as a consequence of this matter,

I will report your conduct to all relevant bodies and will pursue proof of claim in affidavit form,

under your full commercial liability and under the penalty of perjury.

Please also see the full attached notice of denial of access.

 

no 2/ You have been asked to only contact me by post from now.

Any attempt to call me by phone will be classed as harassment and will be reported as such.

 

no 3/ I am giving you 7 days from today to provide me with a copy of the credit agreement for this alleged debt.

If I do not receive it in that time I will consider the matter closed.

 

no 4/ I refute the debt, I do not owe that money and no payments will be made on it.

 

no 5/ I expect a confirmation email from you today that you have received this notice and that all points are understood.

 

This was on the 5th september 2014.

 

Today got a letter saying

" Accordingly a statutory demand is to be served upon you without further notice"

and threatening to try and make me bankrupt. I

 

 

m a full time carer with disabled kids so really wouldn't be a hassle for me as I have no asset's anyway!

 

 

But I dont owe this debt, I dispute it, I have informed them of that by email and on the phone, they dont even have a copy of the CA.

 

I need to do this the right way now. I know I need to send them a letter stopping the bankruptcy

(I really dont think they will, but the Mrs is really worried)

nd I need a letter to ask for Cetc.

 

Can anyone give me the correct templates to post asap plus any other advice re anything I need to do.

 

Thanking you so much in advance.

Edited September 27, 2014 by dave006

[dave006]

By the way, any help asap really appreciated, you have no idea how worried and upset my wife gets. Thanks

[havinastella]

Hi Dave, welcome to CAG.

 

Never conduct business on the phone, they will lie, cheat and threaten the very earth you walk on

 

Send this

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974

[dave006]

Thanks for that mate, appreciate it. Will get that letter sent by recorded delivery asap. What about the threat of bankruptcy action, do I need to do anything re that or send another letter?

[havinastella]

Thanks for that mate, appreciate it. Will get that letter sent by recorded delivery asap. What about the threat of bankruptcy action, do I need to do anything re that or send another letter?

 

At the moment it's just a threat, with help from the site, you should be able to easily defend the SD.

 

How was the original loan with?

[dx100uk]

what do you mean you never signed an agreement?

WHO was the finance company?

 

 

ignore sentinel they are a very low life DCA

 

 

they are not bailiffs

they have

NO SUCH LEGAL

[citizenB]

Wait until they actually serve the Statutory demand before worrying about it.. If they do, then please let us know IMMEDIATELY.

 

I don't understand this about the power of attorney ? How did this come about ?

 

 

 

If you believe that you have power of attorney to act on my behalf,

you are hereby FIRED,

and any consent you believe you may have, tacit or otherwise, is hereby withdrawn.

[Old Cogger]

what do you mean you never signed an agreement?

WHO was the finance company?

 

 

ignore sentinel they are a very low life DCA

 

 

they are not bailiffs

they have

NO SUCH LEGAL

 

 

Maybe their Office????

[dx100uk]

Wait until they actually serve the Statutory demand before worrying about it.. If they do, then please let us know IMMEDIATELY.

 

I don't understand this about the power of attorney ? How did this come about ?

 

 

sadly I think the OP has visited a FoTl site

 

 

I recognise that letter

 

 

dx

[dave006]

Hi,

the original finance agreement was with a very samll company called Leigh Car finance.

 

 

It was even them really,

just one of their directors who did small personal loans so people could buy a car.

 

 

It was a very much copy and paste doc, and we weren't given a copy.

 

 

The DCA dont seem to have a copy either.

 

So all I do for now is send this letter? Then what?

 

What do you think the chances are that they will go for the bankruptcy route?

[dx100uk]

they can serve / do what they like

 

 

nothing will mean anything if you never signed an agreement

 

 

and no-one can produce a copy of it.

 

 

they can willy wave all they like.

 

 

pers I'd be ignoring them.

 

 

or send a CCA request

 

 

upto you.

 

 

dx

[theoldrouge]

I would send them a CCA request, and have a read of the FCA guidelines in CONC 13.1

 

What type of loan was this eg personal loan, hp, conditional sale etc?

[fkofilee]

Yes that letter is from the FOTL site... Which is slightly worrying...

Yes a CCA request would be in order.

 

Dave please promise me you will not go back to the FOTL site... They get into tremendous amounts of trouble!!

[dave006]

I would send them a CCA request, and have a read of the FCA guidelines in CONC 13.1

 

What type of loan was this eg personal loan, hp, conditional sale etc?

 

Im really sorry, I really dont know as I dont have a copy. I thought it was an HP loan, but it was probably a log book loan. Does that help.

 

CCA being sent special delivery Monday morning.

[dave006]

Yes that letter is from the FOTL site... Which is slightly worrying...

Yes a CCA request would be in order.

 

Dave please promise me you will not go back to the FOTL site... They get into tremendous amounts of trouble!!

 

Didnt even know I had gone to one! It was the first template I found. Thought I would do it the right way through here, thats why I posted. Thanks for the advice, all of it is much appreciated.

 

I will send the CCA tomorrow, what happens next?

 

1/ they dont have a CA, end of story?

2/ They magically find the CA, what then?

 

Thanks

[havinastella]

Didnt even know I had gone to one! It was the first template I found. Thought I would do it the right way through here, thats why I posted. Thanks for the advice, all of it is much appreciated.

 

I will send the CCA tomorrow, what happens next?

 

1/ they dont have a CA, end of story?

2/ They magically find the CA, what then?

 

 

 

Thanks

 

We cross that bridge when we come to it

 

See what they return, then we may want to send the SAR.

[fkofilee]

** Note to site team **

 

OP above mentioned above he wasnt sure what type of finance this was.

 

http://www.leighcarfinance.co.uk/

 

This is the company and it is a Car Finance Company, not a Logbook Loan Company

[dx100uk]

didn't think it was for £5k!!

[dave006]

we couldn't get a car loan with them.

 

 

they said we have a bloke who lends people who we cant lend to, money to buy a car.

 

 

It was sold as like a personal loan.

 

 

And im sure when we asked them to honour the warranty they said it was a logbook loan.

 

 

Until we see the CA I am not sure what type of loan it is.

 

and this is the bloke who owns Sentinel debt recovery:

 

Google Wade Johnson Chorley and you will read all about the big cat who manages Sentinel and it's smoke screen Company areyouowedmoney

Edited September 29, 2014 by dave006

[dave006]

** Note to site team **

 

OP above mentioned above he wasnt sure what type of finance this was.

 

This is the company and it is a Car Finance Company, not a Logbook Loan Company

 

sorry gave you the wrong company its is Jeff Johson cars ltd in leigh, sorry not allowed to post a link yet!

[dx100uk]

thread title changed

 

 

dx

[dave006]

right just posted CA request by special delivery. Is there anything else I need to do now?

[theoldrouge]

Wait for reply i

 

Stop worrying