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R&J Auto Finance/GB finance and investment claimform


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  • 3 years later...

Sorry for re opening an old thread but thought it would be easier than starting a new one to explain whats already happened.

 

 

I sent this company a SAR, and have never heard anything back and when i did a company check they were dissolved in 2014.,

 

 

however a couple of weeks ago i received a letter from a GB finance and investment ltd claiming they have been instructed to collect the debt. This happened on the 16h of Jan 2017, the day the owner died.

 

 

This GB finance and investment ltd is owned by his son, and says he can legally collect the debt.

Up until this point i've never heard of them, and i've asked for proof of ownership of the debt which is just typed on a piece of paper dated 16.01.17. He is now threatening to take me to court.

 

I emailed him and said thats not proof of ownership as i could of typed that myself

but he says if i want to sort it out and see oroginal contracts then i need to go down and see him face to face, in his mobilty shop.

 

I have no issue in paying this debt so long as it is paying off this debt and isnt some kind of con.

I'm at a loss from where to go from here.

Can anyone help please?

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IMHO ignore let him goto court.

the judge would eat him for breakfast

theres not signed agreement with him nor his 'company'

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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what this lot..

 

 

http://fca-consumer-credit-interim.force.com/CS_RegisterSearchPageNew?accId=636022

 

 

says their licence has lapsed

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Ignore as dx advised

 

He hasn't got a hope

In the meantime send a full report

on his actions to the FCA

with copies of his letters and emails

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Permissions

Firm name: GB Finance And Investment Limited

Interim Permissions reference number: 636022

 

Permission

Description

Status

Limitation Against Permission

Permission End Date

Consumer credit business Entering into a regulated credit agreement as lender; and exercising, or having the right to exercise, the lender's rights and duties under a regulated credit agreement. Inactive 31/03/2015

 

 

Consumer hire business Entering into a regulated consumer hire agreement as owner; and exercising, or having the right to exercise, the owner's rights and duties under a regulated consumer hire agreement. Inactive 31/03/2015

 

 

Credit brokerage Credit broking

Or

Credit broking limited to credit intermediation Inactive 31/03/2015

No right to canvass off trade premises

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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BANG..

 

 

wonder how many more of his fathers old customers he is fleecing too.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

Good afternoon,

 

ive ignored all correspondence

 

today i get a county claim form which i rang up and checked the legitimecy of.

 

It states that they are claiming for money borrowed from R&J auto finance fca registeration number 716425.

 

States they were instructed on the day his dad dies to collect the debt.

The fca number comes back to his and his mothers name, trading as R&J auto finance as of 27.02.17.

 

hes asked me for 3 different amounts.

 

To be quite honest i dont know where i go from here,

i rang citizens advice but they cant help on the phone

 

i need to make an appointment to go and see them which is going to be difficult since i work all the hours god sends

 

I have never denied owing someone the money,

i stupidly borrowed it,

i begrudge paying back an amount that seems to be plucked out of the air,

just to line somoene elses pocket.

 

It clearly isnt going to the company that it was owed to so i dont know what to do.

 

I asked him for a copy of all the contracts and he has only sent me one dated april 2014.

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Name of the Claimant ? GB investment

 

Date of issue – 21.04.2017

 

What is the claim for –

 

 

Name & name borrowed money from R&J auto finance (fca registration number 716425)

there total outstanding is £8,800.00.

The loan is now significantly in arrears and GB finance and investment limited were appointed on the 16th January 2016 by R&J auto finance to collect the loan.

 

GBFI have tried to work with name and name on this matter and GBFI have indicated a willingness to agree a structured payment plan but name and name have refused to cooperate.

 

Given the fact that name and name refuse to cooperate with GBFI on this matter then there is no alternative but to seek recourse via the courts.

 

What is the value of the claim? £9,200

 

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Loan account

 

When did you enter into the original agreement before or after 2007? After 2007, 2014 was the date on the last agreement.

 

Has the claim been issued by the original creditor

or was the account assigned and it is the Debt purchaser who has issued the claim. By his son through a different company.

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? Only on the same day he sent me a letter asking for the money.

 

Did you receive a Default Notice from the original creditor? No.

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No.

 

Why did you cease payments? Late 2014

What was the date of your last payment?

Not exactly sure because it was paid cash.

Was there a dispute with the original creditor that remains unresolved? Yes.

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes, i sent him a SAR and never got the paperwork and i found out he had dissolved the company.

Sorry forgot to mention in regards to a default notice, i didnt get anything on paper, but he did text saying payment is due on a weekly basis for a while.

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need the EXACT text in the particulars of claim box please

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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The POC should be interesting

 

No need for worry or panic

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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twas what I was thinking.........

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Name & name borrowed money from R&J auto finance (fca registration number 716425) there total outstanding is £8,800.00. The loan is now significantly in arrears and GB finance and investment limited were appointed on the 16th January 2016 by R&J auto finance to collect the loan.

 

GBFI have tried to work with name and name on this matter and GBFI have indicated a willingness to agree a structured payment plan but name and name have refused to cooperate.

 

Given the fact that name and name refuse to cooperate with GBFI on this matter then there is no alternative but to seek recourse via the courts.

 

 

I should also add ive just noticed the court papers say he was instructed in 2016 but the initial correspondence states 2017.

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still have to have a non existent notice of assignment!!

 

 

no hope mate..he's dead!!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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does the poc really say there when it should be their? oh dear illiterate as well. as stupid.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

funny how the Consumer credit act is not mentioned too

 

 

anyway..

 

 

pop up on the MCOL website detailed on the claimform.

.

register as an individual

note the long gateway number given

then log in

.

select respond to a claim and select the AOS box.

.

then using the details required from the claimform

.

defend all

leave jurisdiction unticked.

click thru to the end

confirm and exit MCOL.

.

get a CCA Request running to the claimant

leave the £1PO blank and uncrossed

.

get a CPR 31:14 request running to the solicitors

.

don't sign anything

.

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Will do, sorry for sounding daft but whats a cpr31:14 request?

I'm not sure who his solicitor is as its not written anywhere?

 

Yes, he did put there. He also spelt my husbands name with a ph, and im a daniel.

 

Thanks,

Dan.

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