Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



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)


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  1. #1
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    Default BOS asset finance on car, DN question please.

    My husband has asset finance with BOSicon for his car, and over the last few months he has fallen behind with the payments.

    They have not issued him with a default notice - yet, but what I would like to check is, if a potential DN he may receive from them contains their outrageous penalty charges eg 25 per letter, would this render any default notice defective? I know this is the case with just about everything else, I need confirmation just in case!

    Thankyou all.

    L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*
    Capital One/Cabot - No CCA account irrecoverable.
    Citi/DLC Hillesden - No CCA account irrecoverable
    MBNA/Aegis - Unenforceable CCA
    B/Card/HFO - Unenforceable CCA
    Fashion World - No CCA account irrecoverable

    TRUECALL IS A GODSEND!!
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  2. #2
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    Default Chrystal Collections Ltd - attempt at repo!!

    I've just received the most unprofessional letter from a company calling themselves Crystal Collection Ltd - it's so bad, it makes you laugh!!

    The letter says: Would you please contact the sender of this letter as a matter of urgency on blah blah, to discuss the above agreement.

    Now, I have a copy of the agreement they are referring to, (a complete cock up as the figures do not add up!!) the account numbers are completely different, although the vehicle is the same, so I shall do a CCA Requesticon as I have no knowledge of the agreement number they are talking about!!

    A couple of other things. This account is in arrears, no fault of our own, just how things are business wise at the moment. The five year agreement is due to end in Jan next year, so not long to go, and as as a consequence we've paid more a third - so presumably they can't just come along and take the vehicle without a court order - we won't voluntarily terminate! The other thing is, we will be paying this off in full within the next month, so basically all I'm doing is fending them off.

    The vehicle is financed via BOSicon Asset Finance, with GAP which I understand is non cancellable. The account must have numerous charges, as they were charging 25 quid for a letter - so I will SARicon them and claim them all back, it must run into hundreds 's!!

    Has anybody else heard of this company - I've searched the forum and only found one thread. They are that thick, they don't know when you know who you are writing to, you end the letter "sincerely", there is no company reference number, and they surely they must have a CC licence, again, there's nothing on the letter. Should I complain to OFT??

    L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*
    Capital One/Cabot - No CCA account irrecoverable.
    Citi/DLC Hillesden - No CCA account irrecoverable
    MBNA/Aegis - Unenforceable CCA
    B/Card/HFO - Unenforceable CCA
    Fashion World - No CCA account irrecoverable

    TRUECALL IS A GODSEND!!
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  3. #3
    Basic Account Holder Windywoo Novitiate Windywoo's Avatar



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    Default Re: Chrystal Collections Ltd - attempt at repo!!

    Here's the

    L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*
    Capital One/Cabot - No CCA account irrecoverable.
    Citi/DLC Hillesden - No CCA account irrecoverable
    MBNA/Aegis - Unenforceable CCA
    B/Card/HFO - Unenforceable CCA
    Fashion World - No CCA account irrecoverable

    TRUECALL IS A GODSEND!!
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  4. #4
    Basic Account Holder Windywoo Novitiate Windywoo's Avatar



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    Default Oh dear, Crystal Collections Ltd!!

    I haven't ever heard of this company before, but I've posted this letter on another forum, but thought it could be appropriate here.

    Just look at the letter head - where is the company registration number, and if they are a DCAicon, where is their CCA licence number???!!!





    L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*
    Capital One/Cabot - No CCA account irrecoverable.
    Citi/DLC Hillesden - No CCA account irrecoverable
    MBNA/Aegis - Unenforceable CCA
    B/Card/HFO - Unenforceable CCA
    Fashion World - No CCA account irrecoverable

    TRUECALL IS A GODSEND!!
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  5. #5
    Basic Account Holder accesspwd Novitiate



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    Default Re: Oh dear, Crystal Collections Ltd!!

    Train hard...Fight easy
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  6. #6
    Basic Account Holder Windywoo Novitiate Windywoo's Avatar



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    Default Re: Oh dear, Crystal Collections Ltd!!

    As I've already said, I know what it's about, but that's for another forum. Surely their correspondence should display their licence numbers - that's assuming they have any!!

    L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*
    Capital One/Cabot - No CCA account irrecoverable.
    Citi/DLC Hillesden - No CCA account irrecoverable
    MBNA/Aegis - Unenforceable CCA
    B/Card/HFO - Unenforceable CCA
    Fashion World - No CCA account irrecoverable

    TRUECALL IS A GODSEND!!
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  7. #7
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    Default Re: Oh dear, Crystal Collections Ltd!!

    corrrrrr flashy letterhead NOT done an inkjet printer by the looks

    just doing a company search on them now 4 U

    Kip

    comes back as

    International Legal Network


    08448460600
    5b Bernard Road,
    ROMFORD,
    RM7 0HX

    wainting for full details

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  8. #8
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    Default Re: Oh dear, Crystal Collections Ltd!!

    Their contact address above is different to their registered address.
    Company Profile Report (CPR)

    Commercial debt managementicon
    Company Name: CRYSTAL COLLECTIONS LIMITED




    Previous Name(s): NO PREVIOUS NAME HAS BEEN RECORDED DURING THE LAST 20 YEARS

    Registered Number: 03344014

    Registered Office: DEVON HOUSE
    CHURCH HILL
    LONDON
    N21 1LE

    Incorporation Date: 02/04/1997

    Country Of Origin: United Kingdom
    Company Type: Private Limited Company

    Accounting Reference Date: 30/04
    Last Accounts Made Up To: 30/04/2009
    Next Accounts Due: 31/01/2011

    Last Annual Return: 02/04/2010
    Next Annual Return Due: 30/04/2011

    Company Status: Active
    Type of Accounts: TOTAL EXEMPTION SMALL Accounts

    Nature Of Business: 7487 - Other business activities


    Filing History


    28/04/2010 02/04/10 FULL LIST
    28/04/10 STATEMENT OF CAPITAL;GBP 2
    28/01/2010 30/04/09 TOTAL EXEMPTION SMALL
    30/04/2009 RETURN MADE UP TO 02/04/09; FULL LIST OF MEMBERS
    17/02/2009 30/04/08 TOTAL EXEMPTION SMALL
    22/05/2008 REGISTERED OFFICE CHANGED ON 22/05/08 FROM:
    GISTERED OFFICE CHANGED ON 22/05/2008 FROM
    314 REGENTS PARK ROAD
    FINCHLEY
    LONDON
    N3 2LT
    15/05/2008 RETURN MADE UP TO 02/04/08; FULL LIST OF MEMBERS
    17/12/2007 TOTAL EXEMPTION SMALL ACCOUNTS MADE UP TO 30/04/07
    04/06/2007 RETURN MADE UP TO 02/04/07; FULL LIST OF MEMBERS
    12/01/2007 TOTAL EXEMPTION SMALL ACCOUNTS MADE UP TO 30/04/06
    16/05/2006 RETURN MADE UP TO 02/04/06; FULL LIST OF MEMBERS
    16/11/2005 TOTAL EXEMPTION SMALL ACCOUNTS MADE UP TO 30/04/05
    06/05/2005 RETURN MADE UP TO 02/04/05; FULL LIST OF MEMBERS
    15/10/2004 TOTAL EXEMPTION SMALL ACCOUNTS MADE UP TO 30/04/04
    23/04/2004 RETURN MADE UP TO 02/04/04; FULL LIST OF MEMBERS
    SECRETARY'S PARTICULARS CHANGED;DIRECTOR'S PARTICULARS CHANGED
    21/11/2003 TOTAL EXEMPTION SMALL ACCOUNTS MADE UP TO 30/04/03
    05/04/2003 RETURN MADE UP TO 02/04/03; FULL LIST OF MEMBERS
    SECRETARY'S PARTICULARS CHANGED;DIRECTOR'S PARTICULARS CHANGED
    08/10/2002 TOTAL EXEMPTION SMALL ACCOUNTS MADE UP TO 30/04/02
    10/04/2002 RETURN MADE UP TO 02/04/02; FULL LIST OF MEMBERS
    SECRETARY'S PARTICULARS CHANGED;DIRECTOR'S PARTICULARS CHANGED
    20/02/2002 TOTAL EXEMPTION SMALL ACCOUNTS MADE UP TO 30/04/01
    22/05/2001 ACCOUNTS FOR 'SMALL' CO. MADE UP TO 30/04/00
    15/05/2001 RETURN MADE UP TO 02/04/01; FULL LIST OF MEMBERS
    09/12/2000 PARTICULARS OF mortgageicon/CHARGE
    14/04/2000 RETURN MADE UP TO 02/04/00; FULL LIST OF MEMBERS
    05/03/2000 ACCOUNTS FOR 'SMALL' CO. MADE UP TO 30/04/99
    28/04/1999 RETURN MADE UP TO 02/04/99; NO CHANGE OF MEMBERS
    23/03/1999 ACCOUNTS FOR 'SMALL' CO. MADE UP TO 30/04/98
    03/07/1998 RETURN MADE UP TO 02/04/98; FULL LIST OF MEMBERS
    20/08/1997 REGISTERED OFFICE CHANGED ON 20/08/97 FROM:
    G OFFICE CHANGED 20/08/97
    61 HIGH STREET
    ROMFORD
    ESSEX RM11 3LA
    09/05/1997 REGISTERED OFFICE CHANGED ON 09/05/97 FROM:
    G OFFICE CHANGED 09/05/97
    372 OLD STREET
    LONDON
    EC1V 9LT
    09/05/1997 NEW DIRECTOR APPOINTED
    09/05/1997 NEW SECRETARY APPOINTED
    09/05/1997 DIRECTOR RESIGNED
    09/05/1997 SECRETARY RESIGNED
    02/04/1997 INCORPORATION DOCUMENTS
    CERTIFICATE OF INCORPORATION
    STATEMENT OF DIRECTORS & REGISTERED OFFICE
    DECLARATION OF COMPLIANCE
    MEMORANDUM OF ASSOCIATION
    ARTICLES OF ASSOCIATION


    Mortgages

    No. mortgageicon Charges: 1
    Mortgage Charges Outstanding: 1
    Mortgage Charges Part Satisfied: 0
    Mortgage Charges Satisfied: 0


    Charge No: 1
    Creation Date: 04/12/2000
    Registered: 09/12/2000
    Satisfied: Outstanding
    Description: DEBENTURE
    Person(s) Entitled To Charge: HSBCicon BANK PLC


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  9. #9
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    Default Re: Oh dear, Crystal Collections Ltd!!

    snapshop of the first page etc , I have the other details etc

    Company Name
    CRYSTAL COLLECTIONS LIMITED Company Number 03344014

    Registered Address

    DEVON HOUSE CHURCH HILL Trading Address 314 Regents Park Road
    Finchley
    London
    N3 2LT
    LONDON
    N21 1LE
    View More
    Website Address


    -
    Telephone Number Fax Number
    TPS


    Yes FPS No
    Incorporation Date


    02/04/1997 Company Status Active - Accounts Filed
    Previous Name Type


    Private limited with Share Capital
    Filing Date of Accounts


    27/01/2010
    Date of Change


    - Share Capital 2
    Sic Code


    7487 Currency GBP
    Sic Description


    OTHER BUSINESS ACTIVITIES
    Principal Activity
    Credit Rating & Limit
    Commentary
    Last 3 Years Credit Rating/Limit
    58


    Todays Rating [0-100] 58 Previous Rating [0-100] 9
    Todays Limit


    20,000 Previous Limit 0
    view rating / limit history
    No exact match CCJs are recorded against the company.
    The company's credit rating has increased from 9 to 58 which indicates good creditworthiness.
    There is insufficient data to indicate a change in this companies percentage of sales.
    In the previous 12 month trading period Net Worth increased by 8.2%.
    A 35.4% growth in Total Assets occurred in the previous 12 month trading period.
    There is insufficient data to indicate a change in this companies pre-tax profit.
    The company saw an increase in their Cash Balance of 19.9% in the previous 12 month trading period.
    The company is exempt from audit.
    No recent changes in directorship are recorded.
    The company is not part of a group.
    The positive change in the P&L Account Reserve suggests that the company made a profit after tax and other appropriations.
    The company has changed its registered address recently.
    The company was established over 12 years ago.

    Date Rating



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  10. #10
    Basic Account Holder Windywoo Novitiate Windywoo's Avatar



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    Default Re: Oh dear, Crystal Collections Ltd!!

    WW waves to the guests!!!

    L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*
    Capital One/Cabot - No CCA account irrecoverable.
    Citi/DLC Hillesden - No CCA account irrecoverable
    MBNA/Aegis - Unenforceable CCA
    B/Card/HFO - Unenforceable CCA
    Fashion World - No CCA account irrecoverable

    TRUECALL IS A GODSEND!!
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  11. #11
    Basic Account Holder cctv engineer Novitiate cctv engineer Novitiate



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    Default Re: Chrystal Collections Ltd - attempt at repo!!

    with a BOSicon you are best hiding the car as soon as you can your ca and a BOSicon are two differant contracts. so hide the car.

    also the company you have listed you need to do a check on with oft to see if they have a credit licence. the company you have listed is not on company house (bells ringing)


    Name & Registered Office:
    CRYSTAL COLLECTIONS LIMITED
    DEVON HOUSE
    CHURCH HILL
    LONDON
    N21 1LE
    Company No. 03344014



    Status: Active
    Date of Incorporation: 02/04/1997

    Country of Origin: United Kingdom
    Company Type: Private Limited Company
    Nature of Business (SIC(03)):
    7487 - Other business activities
    Accounting Reference Date: 30/04
    Last Accounts Made Up To: 30/04/2009 (TOTAL EXEMPTION SMALL)
    Next Accounts Due: 31/01/2011
    Last Return Made Up To: 02/04/2010
    Next Return Due: 30/04/2011


  12. #12
    Basic Account Holder Windywoo Novitiate Windywoo's Avatar



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    Default Re: Oh dear, Crystal Collections Ltd!!

    Their website says they are members of the CSA, surely they would have a CC licence, wouldn't they? I can't find it on OFT website!

    L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*
    Capital One/Cabot - No CCA account irrecoverable.
    Citi/DLC Hillesden - No CCA account irrecoverable
    MBNA/Aegis - Unenforceable CCA
    B/Card/HFO - Unenforceable CCA
    Fashion World - No CCA account irrecoverable

    TRUECALL IS A GODSEND!!
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  13. #13
    Basic Account Holder Windywoo Novitiate Windywoo's Avatar



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    Default Re: Chrystal Collections Ltd - attempt at repo!!

    So are you saying that they've changed the agreement number to one of their own?

    BTW, can't find their credit licence number.

    L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*
    Capital One/Cabot - No CCA account irrecoverable.
    Citi/DLC Hillesden - No CCA account irrecoverable
    MBNA/Aegis - Unenforceable CCA
    B/Card/HFO - Unenforceable CCA
    Fashion World - No CCA account irrecoverable

    TRUECALL IS A GODSEND!!
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  14. #14
    Basic Account Holder cctv engineer Novitiate cctv engineer Novitiate



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    Default Re: Chrystal Collections Ltd - attempt at repo!!

    Quote Originally Posted by Windywoo View Post
    So are you saying that they've changed the agreement number to one of their own?

    BTW, can't find their credit licence number.

    Hi just done a check on the phone numbers and it comes back as a recovery company hide your car today. you need to see a solicitor but your main thing is hide the car. it looks like your finace company have acted on the BOSicon side of your hp. if they get your car you will lose everything to come.

    Crystal Collections - Secured Asset Repossessions


  15. #15
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    Default Re: Chrystal Collections Ltd - attempt at repo!!

    Just for clarification Bank of Scotlandicon are the finance company, the finance was taken out with them direct.

    As far as the repo is concerned, and from reading around the forum, I would have assumed that I would have had a notice from the courts - I haven't. In order for them to make a bona fide reposession, then, if and when they attended my property, they would have to produce a court document, or would they chance their arm that there would be nobody at home!! Or have I got this all wrong???

    Right, just read the agreement: Repossession: Your Rights.

    "If you do not keep up to your side of the agreement but you have paid at least a third of the total amount under the agreement (we have), we may not take back the goods against your wishes unless we get a court order"

    Right, so panic over - I'm at home 99.9% of the time, so if anybody does turn up, they can sling their hook!!

    L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*
    Capital One/Cabot - No CCA account irrecoverable.
    Citi/DLC Hillesden - No CCA account irrecoverable
    MBNA/Aegis - Unenforceable CCA
    B/Card/HFO - Unenforceable CCA
    Fashion World - No CCA account irrecoverable

    TRUECALL IS A GODSEND!!
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  16. #16
    Basic Account Holder cctv engineer Novitiate cctv engineer Novitiate



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    Default Re: Chrystal Collections Ltd - attempt at repo!!

    Quote Originally Posted by Windywoo View Post
    Just for clarification Bank of Scotlandicon are the finance company, the finance was taken out with them direct.

    As far as the repo is concerned, and from reading around the forum, I would have assumed that I would have had a notice from the courts - I haven't. In order for them to make a bona fide reposession, then, if and when they attended my property, they would have to produce a court document, or would they chance their arm that there would be nobody at home!! Or have I got this all wrong???

    the royal Bank of Scotlandicon do not issue bill of sales. did you get a lone from RBSicon direct (go into a bank)

    you have had a contact letter from crystal. give them a call see what they say. but i would hide the car. you need to look at bill of sale. dont think you have rights (you do) but a repo company will take and you will have a bigger fight later. your car could go at 2am in the morning or next time you go shopping. you do need to hide the car TODAY.


  17. #17
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    Default Re: Chrystal Collections Ltd - attempt at repo!!

    Quote Originally Posted by cctv engineer View Post
    the royal Bank of Scotlandicon do not issue bill of sales. did you get a lone from RBSicon direct (go into a bank)

    you have had a contact letter from crystal. give them a call see what they say. but i would hide the car. you need to look at bill of sale. dont think you have rights (you do) but a repo company will take and you will have a bigger fight later. your car could go at 2am in the morning or next time you go shopping. you do need to hide the car TODAY.
    You have misconstrued the OP's original post. There is no bill of sale, BOS stands for Bank of Scotlandicon in this case so is a standard credit case, not a bill of sale case.

    Also royal bank of scotland are completely different to bank of scotland!!!!!


  18. #18
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    Default Re: Chrystal Collections Ltd - attempt at repo!!

    Sorry CCTV, but I think we are talking at crossed purposes, it's not a bill of sale agreement, it's an HP agreement, I have it here in front of me! I think we were slightly confused with BOSicon - it's Bank of Scotlandicon!!lol

    It clearly states that they need a court order to repossess - so not going to worry too much at the moment. Thanks for your advice anyway.

    L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*
    Capital One/Cabot - No CCA account irrecoverable.
    Citi/DLC Hillesden - No CCA account irrecoverable
    MBNA/Aegis - Unenforceable CCA
    B/Card/HFO - Unenforceable CCA
    Fashion World - No CCA account irrecoverable

    TRUECALL IS A GODSEND!!
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  19. #19
    Basic Account Holder cctv engineer Novitiate cctv engineer Novitiate



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    Default Re: Chrystal Collections Ltd - attempt at repo!!

    Quote Originally Posted by Windywoo View Post
    Sorry CCTV, but I think we are talking at crossed purposes, it's not a bill of sale agreement, it's an HP agreement, I have it here in front of me! I think we were slightly confused with BOSicon - it's Bank of Scotlandicon!!lol

    It clearly states that they need a court order to repossess - so not going to worry too much at the moment. Thanks for your advice anyway.

    yes confused sorry. so this is a company loan BOS Asset Finance. 50.000 and above ??? . you still need to hide car. dont wait for a court order.


  20. #20
    Basic Account Holder Windywoo Novitiate Windywoo's Avatar



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    Default Re: Chrystal Collections Ltd - attempt at repo!!

    Quote Originally Posted by cctv engineer View Post
    yes confused sorry. so this is a company loan BOSicon Asset Finance. 50.000 and above ??? . you still need to hide car. dont wait for a court order.
    Haha, I wish, and no not a company loan - it's just plain old HP. If a court order materialises, I'll ask for time to pay, you never know, it might be less than we are paying at the moment.

    Have sent off CCA Requesticon to Crystal, and SARicon to Bank of Scotlandicon, that should stall them for a while.

    L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*
    Capital One/Cabot - No CCA account irrecoverable.
    Citi/DLC Hillesden - No CCA account irrecoverable
    MBNA/Aegis - Unenforceable CCA
    B/Card/HFO - Unenforceable CCA
    Fashion World - No CCA account irrecoverable

    TRUECALL IS A GODSEND!!
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
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