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.
Hi all, wonder if anyone could please help me.
I have a BOS with TFC, for a car that I had off them some 2 years + ago, I still have the car, and have been paying them every month an outragous amount of money, and had not missed a payment till a few months ago, to which they simply added on to the end of the agreement. However now due to unforseen financial problems, I am no longer in position to keep up these payments on my car, so have missed last month's payment, to which I have been unendated with calls, texts, and letters. I have on several occasions spoken to TFC, and advised them that I can not afford to make these payments, as I have the option of paying them, or feeding my 4 children for the month.
I offered them a sensible offer of payment and asked if they cpould reduce the payments and extend the agreement, so we could manage, but they declined, eventually after receiving a default notice from them, and having asked them 5 times to reduce payments, they agreed to send out a financial statement for me to fill in and send back, showing my incomings, and outgoings. This was faxed back to them with a offer for half of the amount I am currently paying.
When they called again , they made out firstly that they had not received the fax, then they were informed by us that we are not stupid enough to send a fax, and not retain a receipt for it showing the date and time it was sent/received. Miraculously it appeared on the guys desk, to which he began to question our outgoings, eventually the amount was agreed, and we were told to await a call for our card details, Monday arrived and still no call, so we called them, only to be told they had declined the offer. We have since discovered that we could possibly have a void BOS, due to the fact that there is no signiture on it for TFC, or date, no agreement number, and the witness that signed was actually the sales rep, however he has signed in a different name but there was myself, my hubby, and my dad present when this happened........Ideally we would like to keep our car, as we have paid over the cash price for it already, but TFC are saying we still owe just over £16,000. Also we were made to purchase the PPI, which has bumped up the costs involved, we have been told to find out if there is any finance attached to vehicle, and if not to sell it fast....we just dont know what to do, and are getting extremly worried that they will come and repossess the car.
someone please help...may thanks, sorry thread is bit long..
Hi thanks for your reply.
Yes we still have our copy of agreement, but it seems to be an illegal copy as it has certain things missing from it.
Bearing in mind that they have rejected our offer of monthly payments,
What rights do we now have?
What advice would you suggest as next steps?
Are TFC encompassed under the same revokation of license as LBL?
thanks for your time.
Thanks for your reply. I have followed your instruction and registered with photobucket, but can't see how to "upload link for message boards without thumbnails".
Where is this option and how do i do it please?
It may be staring me in the face, but I can't see the woods for the trees lol.
Have spoken to TFC today, they say basically they wont deal with us, and that the account has been passed to the collections agent, and therefore we need to speak to him, and pay him the two owed payments, or give him the car.......really dont know what to do ......
please help......
Have spoken to TFC today, they say basically they wont deal with us, and that the account has been passed to the collections agent, and therefore we need to speak to him, and pay him the two owed payments, or give him the car.......really dont know what to do ......
please help......
Hi enragedbos
Don't give them the car, if you surrender that car they will sell it on the cheap. I've had a look at the paperwork quickly, you have paid more than a 1/3, so they have to take you to court to repo the car.
Did the repo guy give you a card? If they do return ask to see HIS baliff warrant. If he is repo without one he breaking the law.
let him repo the car but dont surender it voluntry and sign nothing
as soon as he has done that it will be illegal recession of contract
you will get back all you have paid with 8% apr, they will have to give you the car back or pay replacement cost on top of your payments allready made
ask for id and make a note of name and company
dont give him the keys
no fuss or argument please
it will then be pay back time and you deserve it
and i thought welcome were bad
its time to go on the offensive
Hi and thanks for reply...
...but where did you get this advice from?
....how would I be able to recover the monies you say they would have to repay me?
....what time span am I looking at?
....Am conscious of digging ourselves into a deeper hole here....
Trooper says "don't give it"....you say "do"????
Which way please?
Have read this link.......wow..
even more confused now.....
Trying to move on with our own issue, but at the same time, trying to link in any similarities from other links....bamboozled....am now blinded by words..:grin:
Without any lack of respect to anyone willing to help us...(we really do think you guys are a godsend, and all help thus far has been amazing door-opener )....please can we work at a pace where my aching brain is able to understand and take in any advice you may have for us?
The Funding Corporation....URGENT HELP NEEDED
with TFC, for a car that I had off them some 2 years + ago, I still have the car, and have been paying them every month an outragous amount of money, and had not missed a payment till a few months ago, to which they simply added on to the end of the agreement. However now due to unforseen financial problems, I am no longer in position to keep up these payments on my car, so have missed last month's payment, to which I have been unendated with calls, texts, and letters. I have on several occasions spoken to TFC, and advised them that I can not afford to make these payments, as I have the option of paying them, or feeding my 4 children for the month.
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Re: The Funding Corporation....URGENT HELP NEEDED
Re: The Funding Corporation....URGENT HELP NEEDED
Originally Posted by postggj
Re: The Funding Corporation....URGENT HELP NEEDED
)....please can we work at a pace where my aching brain is able to understand and take in any advice you may have for us?
Re: The Funding Corporation....URGENT HELP NEEDED
