Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    Default Approved Car Finance/Funding Corp CCJ/CO after 6k car repo - They want 27k to settle

    Hi

    I bought a car from Approved Car Finance in 2008 for around 6k,

    Back then I couldnt afford it and it got repossessed (illegally according to Stephensons Solicitors).
    The Funding Corporation took me to court,

    Back in those days there was no websites like this to help so I hid my head in sand and lost....

    I had the odd letter from them,
    a year or so later a solicitor sent a nasty letter which I wrote back with a load of complaints,

    I trying to rebuild my life, as my wife passed away a few years back

    I met a lovely lady and we started a family together,
    but we need to move on,
    I decided to sort all my debts out and look to move...

    today this is in tatters as Funding Corporation want 27k to settle this debt, which I truely believe is all miss selling.

    PPIicon, Warranty on Car which was not fit for purpose, GAP Insurance, I was without the car for the first month as it was faulty, illegally repossesd...

    Where can I go from here, the CCJ was recorded in 2010, and they put a charge on my house.

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  2. #2
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    Default Re: Approved Car Finance/Funding Corp CCJ/CO after 6k car repo - They want 27k to settle

    well, you can reclaim the PPIicon and so forth.
    as for the charges added at the time that were unlawful or without foundation you will find hard to get rid of because they took you to court and won.

    I presume that they claimed interest as well that is still being added.
    I dont think they can do this for more than a year after the judgement if you havent paid them anything at all.

    illegal repossession
    - well, agian you are too late as you have 6 yearsicon after the event to take action so that has passed by as well.

    you can claim interest on the PPI and that will claw you back a goodly amount from that time
    but you are likely to ony get 6 years worth
    but if they have added interest to your bill then they will have to reduce their debt accordingly
    so after this time the amount the PPI is worth will be double what you paid out.

    Others may know more about the illegal repo and whether you have any comeback there after all this time.

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  3. #3
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    Default Re: Approved Car Finance/Funding Corp CCJ/CO after 6k car repo - They want 27k to settle

    Is the debt solely yours but the home jointly owned with your late wife?

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    Default Re: Approved Car Finance/Funding Corp CCJ/CO after 6k car repo - They want 27k to settle

    Go check that charge. Check if its an actual charge or something like restriction K. You can check it at the land registry.

    Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..


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  5. #5
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    Hi
    it was a joint debt with my wife, as I Was doing the process of getting ready to sell,

    I had to have her removed from the land registry, which I did last week. id
    This is a full charge on property so has to be cleared with any sums.

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  6. #6
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    Default Re: Approved Car Finance/Funding Corp CCJ/CO after 6k car repo - They want 27k to settle

    Aw that's a shame
    Why was it an unlawful repo..
    Expand that and your complaint s

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  7. #7
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    Default Re: Approved Car Finance/Funding Corp CCJ/CO after 6k car repo - They want 27k to settle

    CAGicon was founded in Jan 2006 .

    Have you retained the original court claim N1 ...in particular the the particulars of claim ?

    Also a coy of the Judgment Order informing you of payment ?

    This is important to check the validity of this interest being charged.


    Andy

    We could do with some help from you

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  8. #8
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    Default

    i do have the original court paperwork and a draft letter fro Stephenson solicitors, but at that time I couldn't afford for them to represent me, and I think that's when I gar up and stupidly did nothing.

    I dig it all out and scan it and uploadicon here


  9. #9
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    Default Re: Approved Car Finance/Funding Corp CCJ/CO after 6k car repo - They want 27k to settle

    Quote Originally Posted by TimeToStandUp View Post
    i do have the original court paperwork and a draft letter fro Stephenson solicitors, but at that time I couldn't afford for them to represent me, and I think that's when I gar up and stupidly did nothing.

    I dig it all out and scan it and uploadicon here


    We could do with some help from you

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  10. #10
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    Default Re: Approved Car Finance/Funding Corp CCJ/CO after 6k car repo - They want 27k to settle

    One multipage PDFicon please
    Read uploadicon

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  11. #11
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    Default

    uHi guys,
    I attached some documents,
    the original application,
    Bill of Sale,
    the clients Court application form,
    the court order,
    some debt collectoricon letters,

    I have another box with loads more info and later I will add my full breakdown of what I feel is wrong with the wholething,

    including the shocking info I found from the car once it had been repossessed..

    Please find the docs attached to view.

    Attached Files

  12. #12
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    Default Re: Approved Car Finance/Funding Corp CCJ/CO after 6k car repo - They want 27k to settle

    Great work
    Keep scanning!!

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  13. #13
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    Default Re: Approved Car Finance/Funding Corp CCJ/CO after 6k car repo - They want 27k to settle

    Agreement is void under the CCA?
    Insurances are not mentioned nor broken down anywhere
    Go get all your moneyback and todays worth for the car you no longer have?

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  14. #14
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    Default Re: Approved Car Finance/Funding Corp CCJ/CO after 6k car repo - They want 27k to settle

    thread tidied
    corrected uploadicon in post 11

    dx

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  15. #15
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    Default Re: Approved Car Finance/Funding Corp CCJ/CO after 6k car repo - They want 27k to settle

    So how do I go about this, it's been a burden on me...

    what gets me is that a car finance company repossessed the car and then Acf at same car at auction for a pittance..
    when they could of sold it in their own dealership to another mug like me for the Same price...

    I also discovered that someone has been playing around with the mileage !

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    Default Re: Approved Car Finance/Funding Corp CCJ/CO after 6k car repo - They want 27k to settle

    I have asked someone to pop in when they have time re my post 13 thoughts
    but its the holiday period

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  17. #17
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    Default

    hi, is there any advice on this on how I should proceed?


  18. #18
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    Default Re: Approved Car Finance/Funding Corp CCJ/CO after 6k car repo - They want 27k to settle

    DX already gave youa dvice. Go get reclaiming. Theyre cash cowing you hard.

    Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..


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  19. #19
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    Quote Originally Posted by renegadeimp View Post
    DX already gave youa dvice. Go get reclaiming. Theyre cash cowing you hard.
    Do I go back to court to overturn the CCJ


  20. #20
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    Default Re: Approved Car Finance/Funding Corp CCJ/CO after 6k car repo - They want 27k to settle

    if I were to be totally honest
    that's why I asked someone in the know to pop in..
    the Court order was from 2007
    but if it now appears the Agreement was void as I point to p'haps the case above

    i'm not sure if there is a route or not to over turning the whole thing and getting money etc back out of them..

    not seen a case like this

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