Car Cashpoint (CCP) & their collection agent

[Robono2]

I've been contacted and asked to pay £1030 for the outstanding £580 that I owed CCP.

 

I have no intention of surrendering the car as I use it for work daily & it is my source of income to support 3 and pay off the money I borrowed.

 

I accept it's my fault defaulting etc & I'm ok that their are fees involved too.. but I need a little time to get this money together.

 

My question is

- Is there anything the collection agent can do if they can't physically get hold of my vehicle?

I park it on private land at work (I'm not sure they even know where this is) & I don't park outside my house at home.

 

I'm just unsure if there is further action they can take if they can't actually get the car off me... 

 

Also is there anything I can do to delay them for a few weeks as they won't accept a payment plan of anything other that £500 now & the rest 7 days later which is ridiculous! (Can I demand proof of fees/costs in advance?)

 

 

 

[dx100uk]

cant add any fees to a LBL DEbt.

 

there are 2 very recent CCP LBL threads just below yours 

read both and all your Q's will be answered.

 

have you checked the BOS was registered in time?

have they sent a DN?

 

repo guys are NOT BAILIFFS!! and are powerless

just don't leave the car on the public highway

[Robono2]

I've just had a good read of melissa's thread. Seems if i push back a but CCP might get a little but of slack. It would appear I have less debt & much greater means to clear it.. so I think they might come round to my way of thinking.

 

I'll do a check on the BOS now to see when it was registered.

 

Keeping the car off a public highway isn't so easy round my way, but I can park it away from my house easy enough.

 

I'm guessing its against data protection/GDPR for them to pass on my employment records

[dx100uk]

Get all the statement s via an sar

also have you pulled the covid string?

 

was your credit file shot when you got this?

[Robono2]

I think anyone that resorts to these have a shot credit file unfortunately.. 

 

I've not pulled the covid string, they offered a holiday early pandemic which I think it took a couple of weeks worth but non since... but I have missed the further action 7 days notice letter, hence they passed the account on. 

 

I'm not sure if my best course of action would be to write a nicely worded email offering to negotiate terms a little if they will talk to me OR whether to go heavy handed and keep my car out of sitght and see what they come at me with.. 

 

 

[dx100uk]

If your credit file was shot with defaults and late payments then they Should not have loaned to you

Irresponsible lending complaint time.

[Robono2]

Without sounding dumb, what would that achieve? I know in the grand scheme it would mean they would maybe have to operate better but it wouldn't write anything off my debt would it?

[dx100uk]

Why not?

[theoldrouge]

Before you dismiss bringing a Formal Complaint ....

 

I suggest you read this link from the FOS

It requires time and effort to do your research but the financial reward can be substantial , not to mention putting you in a strong position for negotiation 

 

https://www.financial-ombudsman.org.uk/businesses/complaints-deal/consumer-credit/logbook-loans

 

 

[Robono2]

Got a nice text message today... 

 

“Please call regarding collection of the Skoda Fabia if contact is not made within 24-hours the vehicle will be reported”

 

doesn’t mention anything who it will be reported to, no mention of settlement... classy company doing the collections. I assume the lack of detail is down to the fact there’s nobody to report to it just sounds convincing to scare you??

[dx100uk]

did you read the other threads here on them.

twill be their powerless guys with a flatbed or a fake debt management advice company that wants to charge a fees to advise you.

 

so what have YOU done since asking for our advice

CCA?

checked BOS is registered?

started a IRL complain?