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We returned the car as per the contracts stated, and have proof it was returned to the Auction that told us to take it to on 03/04/18.

 

We also sent off the V5 with Barclays now named as new owners.

 

They are now chasing us for payments.

 

The account was up to date with no missed payments in 3 years when we returned it.

 

They have now passed us to a debt agency and marked our credit file as non payment.

 

What do we do next please ? so frustrating, we have followed every step to the letter as instructed by them.

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how did you return the car VS or VT??

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 such thing

 

was this V surrender or V termination

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

We read through the ts ancs and if we had paid so much after so many months you could return the car without paying anything more as long as the car was in good condition.

 

It was in excellent condition, with full 12 months mot and 12 months tax.

 

The point is they are not asking for any kind of extra payment for the return,

they are asking for the monthly payments when we no longer have the car and they are now registered owners with the DVLA.

 

And obviously as we no longer are responsible for or have the car we have not made the payments.

Edited by dx100uk
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so you read about Voluntary termination on the agreement

but DID YOU send in a letter 1ST stating VT and section 99/100 etc?

 

else its VS aND YOU ARE LIABLE TO THE FULL AMOUNT MINUS AUCTION RETURN.

 

what letters did you send them?

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, yes,

letter sent in,

they then sent a letter and a form for us to fill in relating to the condition of the car and send it back, which we did.

 

As I said earlier, we have complied with all the conditions of the ts and cs and have sent and complied with everything they have asked for relating to this.

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post up the letter you sent and their reply to PDF

read upload.

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

post 8 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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As dx has indicated the content of the letter that you sent Barclays is of great importance here

 

Please post it up

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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