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dooful

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  1. so I emailed varooma asking them to accept the car in full and final settlement. I was honest about the fact that it's broken down and they have now given me 5 days to get a mechanics report. do I have to do this? or should they just accept it? thanks
  2. Hi I have found all the documents given to me on the day I took out the loan. It doesn't mention on the pre-contract info anywhere about voluntary surrender. I have found it on another document titled what you can expect from us. It states "until we have terminated the loan agreement you may return the vehicle to us in full settlement of the debt to us, provided that instructions have not already been issued to an authorised person to recover the vehicle and you act in good faith and the vehicle has not been maliciously damaged." I have paid to date 985.21 of the 1250 borrowed.
  3. Unfortunately I can't move the car off road as it's stuck in gear and can't be moved. The rac towed it to my home address and just dumped it on the road. I'm not sure where my previous contract info is I've had a look for it but can't find it. Can I ask them to resend it?
  4. Hi I stupidly took out a logbook loan for 1200 last year. I lost my job in February this year and have been struggling to pay. I have missed a couple of payments altogether and they agreed to put the amounts to the end of the term. I now have a massive problem. Last week the auto gearbox on my car failed. The cost of repairs is more than the car is worth. I can't sell it on as they have the log book and they have refused to reposess it (they said they do not recover vehicles that are not roadworthy). Where do I go from here? I can't afford to keep your the ridiculously high repayments and can't afford to fix it. Meanwhile it's sat outside my house costing me money for tax and insurance.
  5. cant contact egg anymore and barclaycard still saying nothing on their records.
  6. I just called the court and its for GE finance who i dont believe are anything to do with egg? Not sure what it was for though?
  7. Hi taken from the registry its dated 17/07/2009 with no further info other than northampton county court the amonut and unsettled. No inf re who issued it.
  8. there is a ccj on my file but its for a lot less money and doesn't say where its from.
  9. They instigated legal action but i never heard anything further.They had my correct address when they instigated legal action so if they have been sending correspondence to an old address surely this is their fault not mine?I'll try calls again thankyou for all your help.
  10. The dmp was run for 2 years with cccs. I had an accident and was unable to work for 6months with no money coming in from anywhere (other than my husbands meagre salary) I called them and asked them to put it on hold.They were unable to do this so suspended the dmp altogether. most of the debts were paid off but the larger ones were still outstanding. I am currently paying off what i can afford each month. I am unable to find any paperwork relating to the dmp so its unclear if egg were paid off or not. I do know that there was a dsipute many years ago, regarding me paying egg whilst they had transferred the case to their debt collection agency. They did not tell me as all of my correspondence was sent to the old address despite me giving them my new one. The first I heard of it was when i recieved a court letter telling me of an impending judgement for non-payment. I did contact egg who confirmed that I had been paying them direct and that was the last i heard of it. i know i should have followed it up but as is was in a very bad place financially i dealt with it by the head in the sand method for which i am now paying dearly.With regards to letters from barclaycard the first i heard of it was when this letter from Marlin dropped through my door. I didn't even know that barclays had taken over old egg accounts until i saw it on this forum and the penny dropped.I did recieve a letter from marlin saying if i didn't pay within 7 days they would refer it to their solicitor and then take me to court which seems to be the route theya re taking.Thanks once again for all your help.
  11. I did call barclay card who have no knowledge of this account. They advised me to call Marlin which of course everyone else advises not to do.thats the only reason i sent a prove it letter. I am concerned about sending a cca as surely that is me acknowledging the debt?
  12. Thanks for all your help guys i'll keep you posted.
  13. thanks i'll do the cca request, what happens after that?Sorry i'm new to this and not sure what my rights are?Thanks
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