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The Car Finance Company


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Hi, Haven't been on the site for a while but i need some advice!

 

I bought a car through The Car Finance Company about 18 months ago, over 36 months.

 

I have never missed a payment,

nor has any payment been made late,

 

around September 2017,

i was involved in a road traffic collision and the insurer said it was a total write off.

It was a low speed impact so no injuries thankfully.

 

I have spoken to the insurers and have retained the car to make the repairs before i re mot it.

It is only bodywork, nothing mechanically wrong with the car.

The insurers paid the Car Finance Company and i thought was that.

 

Since the accident though i have been thinking about replacing the car with another,

i thought with the way i have handled this agreement that would improve my chances of getting further finance.

 

i checked my credit file and noticed, at first, 1 Default Notice, then a further Default Notice added the following month.

 

I have contacted TCFC and raised a complaint

so far i am getting passed from pillar to post and getting nowhere!!

 

I have been informed by TCFC that as the car is a write off that the agreement was cancelled and the shortfall must be made and any payments would be subject to Default?

 

Since the accident i have maintained the payments

now i am doubtful whether TCFC are doing things legally.

 

I have 2 payments left on the agreement and i am not sure whether to pay them or not.

 

I have had no letters or any contact with them until i raised the complaint

 

My questions are,

Can they add a Default Notice on my Credit File without letting me know,

even if the payments have been made to the correct time and date they fall due?

 

What would be my chances of taking Legal Action against them being successful?

 

Look forward to your advice.

cuzznx

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the are not default notices

they are markers in the calendar section D?

 

there no defaulted date listed in the summary I bet?

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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so you go by the date.

what date did they terminate the agreement you should have gotten a letter.

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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send them an sar

 

do they have your current address?

 

if there is a defaulted date in the debt summary

then they must have sent a default notice

 

so you've done the lot by phone to date?

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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So far,

But i decided from now on i will only write and only accept written communication from them.

All the information about me, including the address, is all valid and they have all that!!

I thought it was just a mistake at first, that's why it has all been by phone,

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