mazel01
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Everything posted by mazel01
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I need to answer the finance company today, so any help will be really appreciated.
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Just need someone to tell me whether I need to send the letter first...
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How should I handle this, they know that I wish to voluntary terminate my agreement and hand the vehicle back. Do I take the vehicle to them and hand over the letter or send the letter first and wait for a response before taking the vehicle back.
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Thanks Priority One that will be great if you could draft something up for me....I can afford to pay £50 a month
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I don't know if they will accept instalments for the balance.....They are waiting for me to take the car back and pay this balance. I want to take it to them first thing Monday. How should I handle the arrears?
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Taking these charges off leaves £400, that they say are arrears.
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Hi Priority One, I have just been reading through it and I am amazed! Its made up of telephone call costs & letters....each telephone call is a £5 and letters £10.....
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Just received the statement of account by email from them. It shows arrears for £400 & collection charges & default notices £600.....what should I do next?
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I have now asked them for a statement of account, will update you when it arrives
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Whats the best way forward now?.....
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Update on situation: I wrote a letter to the finance company stating that I wanted to voluntary terminate my agreement. They have responded by saying that I need to pay £1000 before they can the termination......I have paid over 50% of the original agreement, so I don't understand what they are talking about?
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With regards to the PPI cover, how do I handle that? This equates to £4500 of the oustanding amount they are asking me for.
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I am still receiving at least 40 calls a week from DLC, should I write to them again and remind them that I am still waiting for the CCA I requested?
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Thanks again Rory for all your help, I will get these letters off tomorrow and keep you informed.....
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Is there a standard letter for requesting statement of account from Weightmans?
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Help with dealing with Moorcroft please
mazel01 replied to mazel01's topic in Debt Collection Agencies
Thanks Curlyben. Will send that off tomorrow to Cabot.... -
Mercers keep ringing me...what should I do?
mazel01 replied to mazel01's topic in Debt Collection Agencies
Received a letter yesterday from Moorcroft, saying that I have got 7 days to pay up or else legal action. Do I write to them and tell them that I have asked Barclaycard and many others for a copy of my CCA but to date recived nothing? -
Help with dealing with Moorcroft please
mazel01 replied to mazel01's topic in Debt Collection Agencies
After hundreds of calls from Cabot they have now wrote to me saying they own the debt and I must call them immediately to discuss repayment proposals. Whats my next move? -
Ok, just to recap.... I send the SAR first thing tomorrow to HFC to see what charges have been added to the account & ignore Weightmans letter regarding the voluntary charge for the time being. I presume that Weightmans have added on huge fees and thats why this balance is so high. Can those fees be removed when I receive the SAR?
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I was making a reduced monthly payment(50%) of the original amount to Weightmans. I was being helped out by a family member at the time.
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Thanks Rory. You mention disposable income. Well I lost my job last year and am now in the process of starting my own business. At this moment in time I don't have any disposable income. What would happen there?
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Do I send the SAR request to Weightmans or HFC? Also they mention a deadline in the letter to sign the voluntary charge, what happens to that?. Finally once I send the SAR in to them can they still continue with there legal action or do they have to answer me first?
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Getting worried now...
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The deadline from Weightmans for me to agree to the voluntary charge is 22nd February.....
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I hope someone can help me on this one, I am so so worried!!
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