Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE



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  1. #1
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    Default YES Car Credit Debt | Check CCA Please!

    Hi, I was written to by Hillesden Securities who claim to be Direct Auto Finance in a former life, anyway I asked for a CCA and they reacted prompty in sending me this, I was wondering if someone could tell me if this is a full valid enforceable cca please, thank you.

    Three seperate scans hosted on Imagevenue. thanks again.

    http://i823.photobucket.com/albums/z..._122_690lo.jpg

    http://i823.photobucket.com/albums/z...lesdencca1.jpg

    http://i823.photobucket.com/albums/z...llesdencca.jpg


  2. #2
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    Default Re: YES Car Credit Debt | Check CCA Please!

    hi smart
    having a look now


  3. #3
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    Default Re: YES Car Credit Debt | Check CCA Please!

    its a bit small

    can you google photo bucket and use the upload link for message boards with out thumb nails option to post

    if this is a yes car agreement i can tell you now it will be crap

    game over


  4. #4
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    Default Re: YES Car Credit Debt | Check CCA Please!

    http://www.consumeractiongroup.co.uk...yes+car+credit

    have a nose

    it will answer all your questions


  5. #5
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    Default Re: YES Car Credit Debt | Check CCA Please!

    Hi, Thanks for the replies, You can click the Imagevenue thumbs to enlarge them, I don't have a photobucket account. Can you see anything obvious in them which would make them unenforceable?, I checked out the thread you posted but wasn't able to see how he managed to clear the debt?


  6. #6
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    Default Re: YES Car Credit Debt | Check CCA Please!

    hi smart

    kiss the agreement goodby
    standard yes car agreement

    deposit used for the insurance, PPIicon etc

    thats a no no

    that link above will tell you what to do

    any questions , just shout

    hillesden aka direct legal and collections are well aware of this as this is thread number four ref yes car and hillesden ive delt with

    cretins


  7. #7
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    Default Re: YES Car Credit Debt | Check CCA Please!

    the debt still exsists,
    its just the debt agency cant enforce it

    just tell them to bog off

    there is sfa they can do


  8. #8
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    Default Re: YES Car Credit Debt | Check CCA Please!

    Do you happen to have a template letter as to what I can write to them regarding why they cannot enforce it? That would be great.


  9. #9
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    Default Re: YES Car Credit Debt | Check CCA Please!

    http://www.consumeractiongroup.co.uk...hlight=POSTGGJ

    sorry

    wrong link

    have a nose at this one


  10. #10
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    Default Re: YES Car Credit Debt | Check CCA Please!

    Ok thanks, had a look and I believe I will use the marlin method of informing them that it's unenforceable due to PPIicon Miss-Selling, wish me luck, I shall post any results here


  11. #11
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    Default Re: YES Car Credit Debt | Check CCA Please!

    Hi Smart,
    You have left personal details on show on agreement.


  12. #12
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    Default Re: YES Car Credit Debt | Check CCA Please!

    Quote Originally Posted by dawnytrish View Post
    Hi Smart,
    You have left personal details on show on agreement.
    Hi, Thanks for pointing that out, I have changed the links to Photobucket ones, and also edited the information out


  13. #13
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    Default Re: YES Car Credit Debt | Check CCA Please!

    New twist on this saga, got this Letter this morning.

    http://i586.photobucket.com/albums/s.../Untitled1.jpg


  14. #14
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    Default Re: YES Car Credit Debt | Check CCA Please!

    Thats The Normal Get Out Of Jail They Try And Use

    Just Because Its In The T&c, Does Not Make It LegaL UNDER THE CCA 1974 l Is My Normal Reply To This

    As Usual They Are Clutching At Straws

    I SEE THE ELUSIVE MY LOCKE HAS SIGNED IT THIS TIME
    NOT MR WHITE
    MR BROWN

    WHOEVER


  15. #15
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    Default Re: YES Car Credit Debt | Check CCA Please!

    Hi, is that all I should reply to them? or do you have "official" sounding wording I can use to reply?


  16. #16
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    Default Re: YES Car Credit Debt | Check CCA Please!

    no wories

    ill do a letter

    done it many times


  17. #17
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    Default Re: YES Car Credit Debt | Check CCA Please!

    Ok thanks mate, you're help is hugely appreciated.


  18. #18
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    Default Re: YES Car Credit Debt | Check CCA Please!

    dlc are quite easy to deal with on yes car agreements


  19. #19
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    Default Re: YES Car Credit Debt | Check CCA Please!

    I love your confidence regarding them lol, thanks again for the help with the letter I'm useless at things like that tbh


  20. #20
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    Default Re: YES Car Credit Debt | Check CCA Please!

    my total on yes car stands at 7 out of 7

    thats marlin
    dlc
    godebt

    its not even a challenge anymore

    you just have to go through the postal crap



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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE