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Cls finance - advice needed


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Got a car on finance.

 

Was expecting 1st payment to be taken by DD but it wasnt and didnt realise.

 

2 days later got a default notice!!

Sent payment which they deny receiving.

 

I rang them to be spoken to in the most disgusting way and called a liar and was told i knew full well it was standing order as I had signed it.

 

And even though I have spoken to them and text them they still contacted my brother to ask him to tell me to contact them!

 

Im absolutely disgusted!

I rang them today again to be spoken to like dirt and was told its out for repossession!

Can they legally do all this?

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they are utter........

 

 

I take it you've a bill of sale 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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well that's a bit better

the usual MO for CLS is the finance is by HP agreement linked to a bill of sale.

 

 

shame you cant dump them

you are in for a horrible journey.

why the beep did you use them?

 

 

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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Share on other sites

they would be hard pushed to legally repo after simply one? missed payment

 

 

they've sent the default notice

which is all they need to do

but that really shouldn't be sent until the third missed payment under the Consumer credit Act

but this lot pull any stunt they wish.

 

 

use our search cag box

CLS finance

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

unknown... but they cant

they will only be repo guys NOT BAILIFFS

they have no legal powers at all.

 

 

but don't leave the car on the public road..then they can

 

 

locked in a garage or behind private gates they shouldnt legally be able to touch 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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Share on other sites

today ive received a letter dated 23nd Aug advising that the contract is terminated and they will be collecting the car.

 

The date of the default notice ended 22nd so is inclusive so they have acted before the end of the default notice.

 

I have sent them proof that it was paid on 6th Aug.

 

They omitted to set up a standing order anyway!! Then

 

Can they just come and take it off my drive?

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they shouldn't no as its private property

but its only a trespass issue

which after all the arm waving virtually means nothing.

 

 

a gated and locked drive is a different matter.

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

put a lock on the gates too.

 

 

you could apply for a tomlin order..

 

 

when did you sign the agreement?

when was the first payment due?

when was the payment made?

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

Whats a Tomlin order?

 

Agreement signed 1st July 17

First payment due 1st Aug 17

They didnt set up standing order so I made a fast payment on 6th Aug. They denied receiving it.

 

DN sent 3rd Aug, giving til 22nd to pay. Letter of termination sent dated 22nd.

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I'm pretty sure they cannot issue a default notice after one missed payment.

nor terminate on the back of a defective DN.

 

 

sorry I meant a time order

 

 

https://www.nationaldebtline.org/EW/...n/Default.aspx

 

https://cse.google.co.uk/cse?cx=part...car&gsc.page=1

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

they are utter........

 

I take it you've a bill of sale too?

 

dx

 

Sorry to hijack. Why are they so bad, is it because they want you to default then they get to take the car back and take you for the money too?

 

Reading through all the threads they just come across as atrocious.

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appears to be mainly bad management.

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

moneybarn are a close 2nd

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

moneybarn are a close 2nd

 

Last year I was able to persuade (beg) a friend not to take a loan from these. In the main this was based on the problems people had come to this site with.

 

I would rather walk than turn to this sub sector, a sharp lesson from Logbook loans in 2008 taught me that. Took my car as soon as they could and tried getting me to hand over 34k too.

 

Thing I took away was that I will never be in that situation again.

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standing orders are set up by you, not them.

Direct debits are signed by you and set up by them.

 

 

For a SO they must have provided you with their bank accout details so your bank can transfer the money,

with a DD you supply your bank details and they do the rest

 

 

if it was the former you are at fault,

if the latter they are at fault and any action they take as a result can be overturned without too much trouble.

 

 

You certainly wont owe them any money if they have screwed up a DD

 

Whats a Tomlin order?

 

Agreement signed 1st July 17

First payment due 1st Aug 17

They didnt set up standing order so I made a fast payment on 6th Aug. They denied receiving it.

 

DN sent 3rd Aug, giving til 22nd to pay. Letter of termination sent dated 22nd.

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well as provident are most probably going down the pan hole

I wonder if moneybarn will survive or be sold off.

 

 

cap1 have already turned down an offer to buy the Vanquis name

my spies tell me.

 

 

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... 

Link to post
Share on other sites

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