As DX says everything in writing only and advise them of that

Keep clear of the phone and emails

I've received a reply to my complaint.

They've listed some dates when Burrington came to my house and the car wasn't sighted. This could be the case as on the dates mentioned I wasn't home, however no calling card was left which they claim.

They now state they will accept £50 a week if I pay £300 by Monday, I don't have £300.

still doesn't matter. what they did

the repo fee even if they did collect the car is an unlawful penalty

dx

Suggest you inform them that you will not be paying the 300, as it is subject to a formal complaint with the fos

But you are prepared to offer £xx per week against the arrears/ regular payment

An update on this. They have stated they will accept £125 a month if I send them my sick note? Otherwise I would need to pay the £300 plus £125 a month.

I don't have a sick note, I'm on a phased return. I paid them £125 yesterday anyway, I also asked my doctor if they would write a letter but they said this isn't something she would do. Any suggestions on where to go from here?

your health is none of their business you don't have to prove anything to them.

I take it you are persuing your complaint with the FOS regarding this charge, and your treatment in general

Have you read the CCTA link I posted above

Further on and this is still a massive issue.

I have today made a complaint to the CCTA however today a company has also been to my address to take my car, luckily I wasn't home.

I have been looking at the bill of sale and wondered if anybody who has any expertise in this area could check it to see if everything is correct. The only issue I can see is someone from their company has signed as a witness however there is also room for 'signed by deed on behalf of carcashpoint limited by' and nobody has signed.

we need to see all the documents

we asked that a year ago now

read upload.

did you go check the BOS was registered in 7 days with the court?

if the BOS is stamped and registered with the court in 7 days signature issues makes no odds

it does have a stamp which says high court of justice bill of sale and the date which is within the 7 days.

then no dice there for you

so what have you done in the last year?

update us

I have made some payments however they generally try to get me to agree to more than I can afford and once again due to illness recently and only receiving ssp have ran into difficulties.

The majority which is now owed is their charges they added for repossession which never happened.

I borrowed 750. To date I have paid 1,257.18. I still owe 1,091.76

included in the above are 150 recovery admin charge and 300 bailiff costs

well they cant add anything as you've been told before

and theres no such thing as bailiffs costs, its never been to court so no bailiffs.

pop the scan up as a PDF please

read UPLOAD

And the fos complaint?

Hi,

Sorry I never got back about this. I suffer from depression and go through bad spells.

Anywhere just to keep me from dealing with anymore stress

I've been paying £100 a month which they have accepted and haven't bothered me recently.

However I recently got a breakdown from them to find that I borrowed £750. Have so far paid back £1263.66 and still owe £1583.83

A lot of this is charges as they tried to reposes the car twice, they never took it as I was never home when their agents called.

They say they can still charge me for this as they still instructed and paid agents to call at my house.

I have complained to the CCTA once previously, other then an acknowledgement I never heard anymore.

Then I made a further complaint in January and whenever I ask about it I just get told the legal team are looking at it.

I am in a much better frame of mind at the moment to now tackle this but really don't know where to go from here.

Would it be better to contact the ombudsman than the CCTA?

Also as Car Cash Point state that in the documents I sign it said that if recovery action is taken, even if not successful, costs are added to the account, therefore can I still dispute this?

Thanks for all your help.

yes you can send everything to the FOS

So I know it's been while but as advised I complained to the Ombudsman and after waiting for a very long time they've basically advised me that they will not peruse it as I didn't contact them within 6 months of receiving the final response to my complaint from CCP.

Any advice where to go from here. I have been sticking to the agreed payment plan and paying £25 a week, it will be paid off in May (thank the lord!). However I still don't agree that all of the charges they stuck on are correct. Yes they say they attempted repossession twice but 'I was never home' apparently and yet they've charged almost £700 a time. It says in the agreement they can charge their costs but it doesn't state what they are.

what does the contracts ay and is it fair? you have been advised that the add ons arent lawful so you can pay off the loan and then give them warning you intend to recover the monies shelled out on their unlawful add ons, recovery activity etc. but you will need to add all of this up and be able to say why it isnt a lawful charge and then demand they pay it back plus interest. If you dont have it clear in your own head it will be harder to put onto paper.

they cant charge for failed repos's

just like any other 'penalty' charge they are unlawful.

at the time of the repo attempts were you passed the 1/3rd stage?

Sadly not.

I've asked for a statement of account. Is there anyway to post a PDF on here, it has no personal details on.

Click upload and follow the instructions

I'm confused by the statement a bit, I think it's just arrears and charges as I still owe £383

013300.pdf

How much was the finance and how much have you paid. Ignore the charges.

Borrowed £750, need to double check but I've paid around £2200

SAR them then tell them to bugger off. Theyd never go to court for UE charges, and if they did, theyd hope for judgement by default.