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ACF/TFC BOS HP Agreement - illegal? repo- now cabot Chasing HP shortfall


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Sorry, thought CCA was the right thing to do. Already on its way via recorded delivery so too late now anyway.

As mentioned before, spent last few years repairing credit and a CCJ would really set me back to square 1.

Attached letter

cabot.pdf

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oh god you fell for that old chesnut letter...........

referring to older letters and the slipping in of what could happen if legal action were taken and if you failed to pay a CCJ..

 

now go read it properly....

it actually says NOTHING of the sort.

 

it says they will take the highlighted action in 14days

that highlighted action is actually back on the first para...

 

our last letter highlighted the consequences of not contacting us, nothing about legal action at all.

 

so apart from the top line and the last line

 

the middle bit can be totally ignored as they don't actually refer to it at all

its just there to frighten you.

 

if these at the types of letters you have been getting

then you totally ignore stupid DCA's that send them./

 

they are NOT BAILIFFS

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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no I doubt that.

 

just a lesson to be learned when dealing with DCA's

 

your key here is that sar info

 

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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Grim....

So now I am stuffed like a turkey?

 

 

Nowhere near, if all goes well you may end up in pocket.

 

As dx says

 

Don't fire any more ammunition until we've seen the SAR

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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  • 2 weeks later...

Just an update

 

TFC has responded with a request of proof of address, current address is different than when I originally took out the agreement. I assume its ok to send utility bill or some kind of statement (this is what they are asking for)?

 

Cabot haven't responded to the CCA request, since advice seems to be that I shouldn't of sent it, shall I just leave it alone?

 

Hope everyone had a great Christmas and enjoy the last days of 2016.

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Yes fine for the OC for the SAR

 

Completely ignore Cabot for now

They know what they have to provide

 

And a happy new year to you

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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does say about that in the SAR

send a CTAX bill

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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  • 4 weeks later...

Right got the SAR, lots of paperwork lol!

 

From what I can make out so far....

 

There is paperwork present for BOS stamped by court,

guess I should check the validity of this with the court?

 

Last payment on account by me was 02/2011

although the account was credited in 06/2011 with the auction sale of the car.

 

No paperwork regarding seizure of the vehicle nor auction receipt evidencing the proceeds of sale

 

Lots of admin fees on the account statement

 

No notice of assignment

 

Strangely enough,

the screen notes of account show that they collected the vehicle from a different address (a few doors down), all correspondence then went to that address, obviously I didn't receive any of it.

 

Let me know if you want anything

but looks like i'm in a bad position here,

any suggestions would be greatly appreciated.

 

Guess cabot will come back soon with the CCA request

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go find the answers to post 24 questions 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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Please upload every doc mentioned in post #24 and the SAR comms log

 

minus personal information

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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Hi

 

The pre contract information

- nothing in paperwork titled Pre Contract information

. Anything else I should be looking for?

 

The agreement to determine its type

- Credit Agreement linked to Bill of Sale by looks of it

 

A copy of the BOS - BOS is present with court stamp

 

The Default Notice - there are several notices on the account due to late payment on some months.

 

First notice served on 17/10/2010 and last on 04/04/2011.

 

Any charges and add ons

- account statement shows £300 in admin fees linked to default notices

 

The SAR narrative ( comms log) - sorry can you clarify what you want here?

 

Sorry all, not really good with this stuff

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There should be sheets containing a log of what they did and when

 

Sure it says default notices?? I bet not it says notice of default sums

There will only be one log mentioning default notice

That will be near repo date I bet

 

Why can't you scan it all up?

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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Yeah its definitely Default notices,

it changes to notice of sums arrears starting 27/10/2011

and send nearly every 6 months to the incorrect address.

 

I have the notes of the account which appear like a computer account log of their notes and attempts at contact, mail sent, contact be me, etc.

 

You want this all scanned up?

May take a while to redact, etc.

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they cant serve multiple default notices only ONE.

 

unless the previous one whereby you rectified what the default notice stated within the stated time, then yes that one gets nulled

and if you have issues again you get a new one.

 

yes scan it all up to PDF [ONE MULTIPAGE DOCUMENT

 

if you READ the UPLOAD guide

it tells you how to easily do it.

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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Hi

 

Apologies but took a while to scan to redact, there is a lot there but most are duplicates of defaults and sums of arrears. Have split the uploads to keep the file sizes down.

 

Things missing from the SAR that I thought I would see, if it makes any difference at all?

 

1) No copies of Seizure Notices, although does say sent in the notes

2) Notes show auction price of vehicle but no receipt

3) No notice of assignment, is TFC meant to send this?

 

Anyway, please let me know your thoughts.

 

Many thanks, appreciate any advice

 

Additional items due to file limit

SAR.pdf

Edited by dx100uk
62Mb of files merged to one file of 1Mb - dx
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I can see why they issued so many default notices

they did it for a late payment and then you made it so that nulled the DN as you paid by the date it was needed

 

 

still reading

 

 

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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Hey

 

I know its only been a few days

but wondered if you have any suggestions on how to proceed?

 

 

It looks to me that TFC had relevant paperwork so not much I can do there unless there is any suggestions otherwise?

 

Still nothing back from DCA regarding CCA request as yet

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Takes a longtime to go through 60 pages

still reading

 

Unless/ until Cabot provide the s77 request

 

do nothing

 

then Formal Complaint time

for the charges ,lack of sale details,

interest rebate etc etc

 

Get the account into dispute

 

and stall cabots progress

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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  • 3 weeks later...

that's wasn't surprising.

 

I'm pretty sure you can go after ACF for a voided agreement here and get all your money back & financial worth of the car at the time...

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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read post 23

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

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