we requested VT in writing under consumer credit act with > 50% paid BH insisted it was a 'Loan Agreement' and we had no right to do so (even though agreement had a balloon payment, was linked to a vehicle, and they specifically registered a charge over the vehicle.. etc.. etc..)

Name of the Claimant ? - ME III Limited, Date of issue – 13 Apr 2017 What is the claim for – 1.The claim is for the balance of instalments due & unpaid under an agreement dated 27/03/2008 & under which BLACK HORSE LTD agreed to provide credit in relation to the purchase of goods payable by instalments ('the Agreement'). The Agreement was assigned to the Claimant. PARTICULARS 1. Amount due & unpaid 2890.44 THE CLAIMANT THEREFORE CLAIMS 1. Amount due & unpaid 2890.44 What is the value of the claim? £2890.44 ( + 105 + 80 costs) Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? - Loan Account When did you enter into the original agreement before or after 2007? March 2008 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. - Debt Purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? - No Did you receive a Default Notice from the original creditor? - Not sure Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? - Not sure Why did you cease payments? Loan was for a vehicle - agreement originally presented as a "Hire Purchase" but turned out to be a loan. Wrote to Black Horse to terminate and returned vehicle to them (have copy of letter written 7/11/11). What was the date of your last payment? Nov 2011 Was there a dispute with the original creditor that remains unresolved? Yes (see above) Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? - No I have filed acknowledgement of claim via Moneyclaim.gov.uk with intent to defend all of claim. I have drafted CPR 31.14 request (send to solicitor?) requesting copy of - agreement - notice of assignment - default notice Should I also do CCA to ME III ? hi all Black Horse Car Loan from 2008. Terminated in Nov 2011, I was under impression it was hire purchase and had paid more than half of the payments, so wanted to terminate. Then turned out it was a "Loan" - rightly or wrongly I wrote to BH to terminate agreement and returned car to them. They wrote demanding payment of a "balance"... I wrote back to them 24/11/11 asking for copies of original agreement etc which they never supplied. All went quiet 3 weeks ago received letter from dlc saying account passed to Cabot Financial (Europe) Ltd, and 'next step' was to pass to Mortimer Clarke Solicitors. On Same day received letter from Mortimer Clarke saying they were acting on behalf of ME III Limited giving me 14 days to pay before court action. Came back from an overseas trip yesterday to find the N1SDT claim form... de... Any suggestions gratefully received. I thought this one was going to end up SB so wondering if the date has triggered this action?

hi all am in a similar situation with ME III - what was the outcome here?