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jules79uk

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  1. Well i have had two responses now from capquest. Advising simply, they will amend my account once payment is made! I have sent a reply stating that if they can confirm in no uncertain terms that the default will be reomved i will pay in the interests of resolving quickly, and my response from capquest is the same "we will amend your account accordingly once paid" As per the original request for the CA from capquest they have not been able to provide this so im sure they cannot legally request monies owed now i think? as its now been over 30days. I'd still rather make payment to get default removed but doesnt look like the guy who is now responding directly to me within a couple of days (woohoo) is going to agree to anything! any ideas?
  2. Right i have an update, Thanks to Bankfodder who drafted a letter for me, I sent letter to both experian and equifax only received a response from Experian, and they missed out the main question about if it is correct that multiple defaults can be applied on you credit file if they all relate to the same alledged debt. On a plus note however if a alledged debt is bought by a DCA then they must use the same dates in respect to when the credit was opened or when it was defaulted. I have subsequently sent a return mail to Experian asking them directly if multiple defaults can be logged in relation to the same debt when sold on to DCA's i will update upon reciept! Still alittle surprised that Equifax couldnt respond especially as i sent by recorded delivery!
  3. Urgent help needed - I am in the process of applying for a Mortgage, i have been in alot of communications with a recommended advisor who has looked over all my defaults however doesn't know value of debt. He has some good news which i never expected he can get me a mortage with all my defaults 3XExperian 7xEquifax however they have alimit of £3k. Experian=£1716 Equifax=£4785 however without multiple defaults on file for the same debt Experian=£1716 intresting that experian have correct info Equifax=£2238 Is it worth calling up Equifax and ask them direct what policy they have for tghe same debt being defaulted as i really could do with this sorted ASAP now!
  4. Well Car has gone back into the Vauxhall Dealership to have the waterpump replaced then got a call advsing me that they now needed another part to fix the car which happened to be the belt auto tensioner. Went to collect car and technician comes out to speak to me advsing the issue has not gone away..... however for the first time ever Vauxhall seem to be taking me seriously and advised they spoke to head office for a fix and they advised it could also need the a complete new air conditioning unit and if this doesn't fix the issue then they will have to keep the car and await a visit from a special technician from germany as they have no idea whats wrong with it!! just awaiting delivery of the unit. Looks like GMAC have pulled their finger out and kick some Vauxhall butt - lets hope the car gets fixed now or even better recalled!
  5. Thanks for the message i have copied the letter and printed and will send to Experian and Equifax, i will let you know once i have an update. I have held off logging a dispute on my file untill i get the reply - looks like that mortgage application will have to wait for now!:-|
  6. Letter to Capquest has been sent pretty much as above, lets see what they say to that! Yes multiple defaults have been logged once with original creditor and one with the DCA:(
  7. Thanks BankFodder, Please see below frafted letter due to send to Experian, will this do? Equifax has more than 7 defaults logged against me compared to experians who only have 3 so am still drafting that letter but will also be asking the same questions. ******************************************************** Removed ********************************************************
  8. I have the following responses from the DCAs REDdebt/Lowell - Have agreed that debt is now statue barred Rockwell/Tessera - Have closed case as Capone unable to produce CA Capquest - Are requesting CA however have offered me a once in a lifetime opportunity 70% off the debt pay £16 they say they have logged a default against me and if i pay they will contact the CRAs and advised them i have "short settled the account" does that mean they will remove the default!? My question is... Now the above companies agree they cannot claim anything from me and have closed the account can i get the defaults they have logged against me removed?? I have searched for a template letter to enter a dispute with the CRAs but i cant find anything can anyone help?
  9. Iv searched and search but cant find a template letter for disputes with CRAs over multiple defaults
  10. Thanks Ray for your response, I am uttely shocked that Vauxhall can get away with claims of MPG like this if its a common complaint as youve said in your post. Especially as it is often the main reason for purchase as it was in my case. Where does it say that the consumer should take no notice of MPG figures as printed in sales brochure as far as im concerned this is a case of mis-selling? Granted i never expected the car to do the quoted figures but the MPG im getting is not even close. Well the follow up letter has been sent today so i will let you know of GMACs response.
  11. I am calculating my MPG at the pumps i.e run the car down to empty, i fill up and zero the odometer once down to low i refill and record milage average 300miles on a full tank and how many litres used to fill back to full around 38litres. I was even advised my Vuaxhall to fill up to top drive a 10 mile flat motorway run near i live and refill and record which i did without driving above 60mph and i averaged 38mpg i long way off the supposed figure og 56.5mpg If the only thing that transpires from my letters is that they fully investigate issues/mpg and resolve i will be a happyman!
  12. So the S.A.R. will send me all copies of the default notice from Natwest and Cap1 then i presume, if they cant provide me this does that mean they have illegally applied the defaults to my Credit File? I have already sent a S.A.R. to cap1 14/08/08 including £10.00 PO no reply as yet. Also you say i shouldn't mention anything if they ask, what are they likely to ask? Sorry for all the Qs just want to get this correct first time
  13. I have sent the letter after advice fro trading standards i was advised to continue using the car by the dealer to assess the issues. I have no contract with Vauxhall as the car is Hire Purchase, dealer sell the car to Finance company and Finance company sell to me at least that is my understanding which was also confirmed by Trading Standards. In regards to MPG i understand how figures are worked out however the difference of almost 25mpg on an urban cylce is non camparable and is almost 40% error, i have upon many times advised that the engine is not running smoothly or performing at optimum performance and as a result is que to the reason why the mpg is so bad, which i may point out Vauxhall themselves advised was due to the faulty brakes originaly. I have recieved a reply from GMAC advsing they had investigated and Vauxhall advised the car has never been in the Garage?? and so have temp closed complaint. However i have of yesterday sent all supporting Documentation/Evidence that said vehicle has been in on a number of occasions. I have heard of similair issues with upmarket car dealers such as BMW taking customers seriously at MPG complaints and have attached a device to record mpg for a week and then looking at the data, at no time have Vauxhall offered this solution, i could understand if i lived in a hilly area however it takes me 3mins to get to the dual garageway with one stop start if im unlucky then i have a 20min on a dual garageway which i regular drive at 60miles an hour to try and optimes mpg to no avail, i have also driven a 250mile round trip on the motorway driving at 65miles an hour with no stop starts due to time of traveling granted hills are on the journey and i get 35mpg - now the intresting thing is if i drive around my local towns with lots of start stops i also get 35mpg, i also have a collegue who also drives the Vauxhall Corsa and he returns 48mpg mpg combined and 56 on motorway runs..... so why is my vehicle different!?
  14. After contacting Trading Standards I am attempting to return a Vehicle I feel a) Has been miss-sold due to fuel consumption levels b) Being faulty since purchase Basically upon collection of vehicle a mechanical droning noise was notice coming from engine and brakes where excessively noisy upon braking. Original Dealer was immediately advised and vehicle was returned for investigation, garage cleaned brakes and stated couldn't hear drone/whine. The car has since been back to partner franchise 5 times (due back in again next week) where I have been told that excessive noise from brakes is actually a known fault with some Vauxhall Corsa's and there is no fix at this time. And the drone/whine was at 1st V-pulley belt which after a 2 week wait for the part was fitted and now due to continued drone/whine they have advised a complete brand new water pump is needed. I have been advised that MPG on my CORSA 1.4sxi of 35mpg (90% motorway usage) is fine even though advertised brochure states 45mpg Urban and 58mpg Extra Urban IIRC this is what sold me the car due to the increasing cost of fuel so was looking to downgrade from a Honda Civic VTEC 1.8 which was returning 30mpg. Apparently as advised by the helpful clerk at Service desk I should never have taken to much notice of printed claimed figures as these don’t represent real world figures and my Honda is a bigger engine so I cannot compare even though Honda only claim 32mpg 2mpg off I was experiencing!? I have since contacted GMAC demanding to return the car and all monies paid to be returned under the Consumer Credit Act 1974 and supply of Goods Act. My original response from GMAC is had investigated my claim and temporarily closed this as Stockton nor Darlington had no details of said vehicle ever been worked on apart from pre-delivery inspection. Luckily I have kept all the job documentation and sent another letter to GMAC outlining the full extent of the issues and attaching all Documentation. This has been an on going issues that has gone on now for over 5 months now mainly due to Dealers not being able to book car in for 3 weeks and then not having parts in garage as so taking another 2-3weeks to deliver. I am tired of dealing with Sherwood's and not getting a resolution and im utterly dismayed at the fuel consumption figures which I have kept regular logs of which no one takes seriously. What is the likely outcome and is this likely to go to court, I have been told by Trading Standards that because the car is valued at 11.5k it cannot go to small claims not sure what this actually means? Thanks for reading and let me know what you think!
  15. Any car purchased under Hire contract can be given back 1/2 way through its agreement it is to protect the consumer or the creditor depending on how you look at this. Basically the Credit Company can take the vehicle from you 1/2 way through your term if they believe that said vehcile is actually worth more than the outstanding balance this never happens, however the flip side is that you can return vehicle, as in most cases the O/S balance you owe is actually alot more than said vechicle's actual value and is your consumer right under the hire purchase agreement, as i'm led to believe.
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