the funding corp worst company ever!!!

[whitevanman1965]

hi drob

what a day ive had today. silent phone calls and txts on the mobile all day. has anyone contacted the police with regards to the constant harrasment these muppets inflict and if so what was the outcome?.
i am waiting for the supposed stamped bill of sale to arrive so that my solicitor can see if it is legal, but i doubt it will ever get here.
if they turn up for the car and they dont have the paperwork then it wont be going anywhere, they also promised me a statement of my account, im still waiting for this.

i will update you all tomorrow

good luck and keep up the fight

[stitchcrazy]

Originally Posted by whitevanman1965

hi drob

what a day ive had today. silent phone calls and txts on the mobile all day. has anyone contacted the police with regards to the constant harrasment these muppets inflict and if so what was the outcome?.
i am waiting for the supposed stamped bill of sale to arrive so that my solicitor can see if it is legal, but i doubt it will ever get here.
if they turn up for the car and they dont have the paperwork then it wont be going anywhere, they also promised me a statement of my account, im still waiting for this.

i will update you all tomorrow

good luck and keep up the fight

Hiya, I too had this problem and contacted the Police. Their advice was to notify telephone providers that you have reveived nuisance calls from TFC's number, then contact Trading Standards, although the later drag their feet a bit. You can also log all calls on a sheet noting times and dates and visit the OFCOM website and look under the guidelines for nuisance and silent calls. It tells you how many calls they are allowed to make in a set period of time. If they go above the specified number you can complain to them, as they may be breaking the rulings of computer generated calling systems. I have complained to them but they will not reply to any complaints you make. You could also try the other thing that I did in the end......... I turned my phone off to get a bit of peace, also friends no if I don't answer my phone to leave a message for me. These guys don't leave messages. Hope this helps you.. Stitch

[whitevanman1965]

hiya stitch

thanks for the advice, these people are relentless, they must have rung my mobile about 8 times today, and every time i answered they put the fone down. yet when i get home and check the landline theres at least 3 messages all from different tfc staff telling me to contact them asap.

why should i ring them when they havnt got the common decency to speak to me when they phone me. these people are rude,obnoxios, and damn right annoying.

thanks again stitch

wmv

[whitevanman1965]

hi all

well they never turned up for the car, instead they rang me and actually spoke to me.
they offered to cut my payments down but lengthen the term for another 5 years, this means even more interest.
you can guess what the answer is that i gave them.
i took stitch`s advice and i now keep a log of all the silent calls and the text messages.

i will let you know of any future developments

wvm65

[drob]

I wonder why they didn't turn up??? possibly due to an un-enforcable BILL OF SALE!!!!

[andyw76]

Morning all

Well I am still here after my court appearance lol. Yet again The Funding Corporation assigned an agent solicitor who they had not briefed properly so looked rather stupid. The Judge branded their response to my defense as "Wholly Inadequate". He also ordered that the CCJ is removed from my property and that the interim charging order is removed with immediate effect and that costs thus far are payable by them (unless we end up in court at a further date)

They have been ordered now to respond to my defence again (properly) within two weeks. If this is not achieved then the matter will be kicked into touch. If they do respond then he has ordered 42 days for us to sort the issue between ourselves otherwise back to court and it will be dealt with once and for all.

I still stand by the fact that I owe them nothing having handed the car back. Further investigation has revealed that I am only liable under the consumer credit act for any policies I may have taken out alongside the finance of the vehicle which i did but I reckon there is only £1k of that left but they have failed to apply the sale of the car £800 odd to the balance, so I reckon £1k - £800 is £200 I owe them but when you take into account the amount of time I have had to have off work etc... and the stress I think they owe me.

I live to fight another day and they have till 6th June to respond so lets see what happens.

A

[drob]

Hi Andy,

Excellent news!!! It's so nice to see the Judge having a go at The Funding Corporation and gives me hope in my ongoing battle with them.

I now have a firm of Solicitors looking over my Credit Agreement with them and is also acting on my behalf reclaiming my PPI. My Solicitor for some reason has taken an instant disliking to The Funding Corporation and is working on a no win no fee basis for me.

Keep up the fight Andy!!!!!

[andyw76]

Thanks Drob

Best of luck for you too !

[drob]

I received a letter from The Funding Corporation today, they have agreed that my BILL OF SALE is Invalid !!!!

[whitevanman1965]

hi guys
i received a letter today from tfc, its a copy of my bill of sale and it has been stamped by a solicitors office, and not the high courts of justice. so i guess this is not the correct document and it is not enforceable.
they are also dragging there feet with regards to my statement that i asked for over a week ago.
they have granted me a seven day amnesty against them collecting the car, and offered to reschedule the payments.
what happens next i wonder.....

[drob]

I received exactly the same back from them whitevanman1965. I then sent them the following letter and 7 days later they wrote to me confirming that the bill of sale is invalid.

Write back to them .....................

Dear Funding Corporation

Reference: xxxxxxxxxxx – BILL OF SALE

I recently requested a true executed copy of my BILL OF SALE which I have now received. I am now of the understanding that the BILL OF SALE is not enforceable.

The BILL OF SALE must be filed with the High Court of Justices within seven days of execution; you have merely sent me an affidavit sworn at a firm of Solicitors, which does not constitute a true executed BILL OF SALE. A bill of sale can only be enforced if it was properly registered.

I have now written to the Judgment and Orders Section of the High Court of Justices in London to confirm if The Funding Corporation has executed the BILL OF SALE correctly.

As the BILL OF SALE is regulated by the Consumer Credit Act. The terms of the BILL OF SALE must be consistent with the credit agreement; unfortunately this is not the case.

In Summary and after seeking professional advise The BILL OF SALE is totally unenforceable and I now require you to confirm this by way of written reply within the next 7 working days.


Yours faithfully

[whitevanman1965]

hi drob
thanks for the info mate, the letter is on its way as we speak.
Its funny how after standing my ground the silent calls have stopped.
lets wait and see what happens after they recieve the letter.

if it comes back as unenforceable whats the next step?

keep up the fight and lets sort tfc out so no one else has to go through the same stress as we all have.

[drob]

The Funding Corporation have confirmed that the BILL OF SALE is unenforceable and that the can't repossess my vehicle although the Consumer Credit agreement is still enforceable.

I have just had a HPI check done on my vehicle and the report has come back with outstanding finance on it. How can this be as i do not have a HP agreement only a Consumer Credit Agreement.

It just one thing after another with this outfit

[whitevanman1965]

hi drob

so is the consumer credit agreement for the gap insurance and the motor warranty?,if so is there anyway out or is this enforceable.
i want to do a hpi on my car but im not sure how to go about it, even though like yourself it will probably come back with outstanding finance.
like you say its one thing after another

[drob]

The CCA included GAP, PPI & Warranty and i have found a loophole in the agreement in regards to the PPI, which im looking into at the moment.

If you want to check your car for outstanding finance, you can do it online Car history report by RAC

It does cost £5 but that is the cheapest i have found so far.

[andyw76]

Do you think Trading Standards have ever been informed about these muppets?

[drob]

Hi Andy.........

Im sure Trading Standards have heard of The Funding Corporation and i think we all should stand up to this outfit and report them........

To be honest i am begining to run out of steam fighting The Funding Corporation, but im sure that is exactly what they want!!!!

[Number1annie]

Hi drob,
ive just read your post about the HPi check. We are having mega probs with this, as you said the BILL OF SALE is not enforcable so they cannot re=posses but yes the credit aggreement is enforcable. We have asked them to remove the vehicle from the HPI register but all they did was ammend it changing it to 'credit sale' which is just re-worded. oes anyone know how to get a vehicle removed from the HPI list????
Regards Annie

[drob]

Hi annie .......

Im looking into this at the moment, there must be a way of contacting the people who regulate the HPI database, as of yet i am still searching.

[Number1annie]

Hi drob,
if you haave any luck plz let me know. I have no idea who to contact.
annie