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About severina

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  1. thankyou. I will write to Phil Newland (CEO) and make a complaint to the ICO
  2. I had a bill from Inter-credit international demanding £275 for an outstanding water bill on behalf of south staffs water. I paid it in full on 31/3/17 as it was an oversight. However, they have not passed the payment on to SSW. They are being very awkward and wont help me trace the payment. I spoke to SSW today and they confirmed they HAVE NOT passed my account onto Inter-credit??? why did Intercredit have my details? Is this a breach of Data Protection? provided SSW with the bank acct and sort code and bacs ref again and they said they would sort it o
  3. i dont really know which one, you are correct i used the term vt loosely. i couldn't make the payments, i called them they told me to take the car to a drop off point with the documents, they then sold it at auction. i will post the full credit agreement for you. thanks
  4. i voluntarily surrendered the car which was then sold at auction for £1821.
  5. no, nothing like that and i definately voluntarily surrendered the car.
  6. I have told them i will only communicate in writing not ovr the phone.
  7. Hi There was absolutely no damage to the car as it was hardly driven to be honest. Thanks
  8. Hi, i have just had a call - mackenzie hall have now sold the debt onto Idem. I told them i have sent a SAR to blackhorse and am awaiting a reply. Thanks
  9. I am sending a SAR to them. the reply was a bit confusing because it states 'payments only i believe' then says 'you've paid more than half so they can go swivel!!' I will let your know how i get on with the SAR. Thanks for your help
  10. Hi Its a hire purchase agreement. Thanks
  11. I bought a car via black horse in march 2011. the amount of credit shown on th credit agreement is £5499.85 over 60 months. I VT'd due to loss of employment in jan 2013 after making £2859.89 worth of payments. The car was auctioned for £1821. My halfway payment on the agreement shows as £4611.22. so total received by BH is £4680.89 (more than the halfway payment) I am now being chased for £1203 by mackenzie hall. My question is can i include the sold price to the halfway point or is it payments only? also, they have charged me a £25 'repossession fee'
  12. thankyou for your reply, i shall get in touch with the family credit.
  13. Hi my husband (a self employed builder) has had no work now for 2 months. i started a part time job in november 08 (15 hours) and this is our only scource of income at the moment. however, i started a sewing business in june and at the moment earn virtually nothing (i mean nothing!). we get £500 per month family credit and have 3 children, we claim no other benefits and have a mortgage. What i want to know is do i contact the family credit people about this? i am afraid to in case they stop that money as well. are we entitled to anything else. we have managed so far as we thought
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