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ronin666

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About ronin666

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  1. This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. Hi all Trying to help a friend out and not sure what advice to give him. A few years back he traded in his Honda Civic and paid some cash for a 56 plate Golf Gti from a local dealership. This week he went to px the Golf for another car at a different dealership and they are saying that there is finance owing on the Golf it is in someone else's name and was taken out a month after he bought the Golf. It's with Black Horse and they won't talk to him as he's not the name on the finance document. Any idea's as to what he can do. cheers
  4. Anyone have any advice on this situation?
  5. Oh well it was just a silly thought pity there is no way of finding out cos it would really show what kind of people these DCA's really are.
  6. Right have sent a S.A.R - (Subject Access Request) to Amex requesting copies of my statements because i know there are late payment fees on there and i'm gonna fire off a CCA to Allied, although i did try this with Newmans who were trying to chase me previously and they sent a very bad photo copy so maybe Allied will respond as well. Altho from what i've read about them on here about them maybe not. Edit just a thought when Amex reply to my SAR should it not include details of how much they sold my debt for? Just a silly thought but isn't that data regarding to me! Please feel free to shoot me down on this point lol
  7. Just received a letter from these boozo's in which they have stated that a referral fee of £570.63 is included in the outstanding balance. A bit confused as to whether they can do this or not.? Is this not a unlawful penalty? Any help much appreciated.
  8. Need a bit of help with Black Horse. Have a HP agreement with them for a car which i have fallen behind on and owe about£1200 in arrears. Sort of stuck my head in the sand about it because i was remortgaging and would have got the funds to pay off the loan in full but this fell thru, and now they have issued court proceedings. Stupid of me i know. From the documents they have sent the court i can see that i am only £200 or so short of having paid 50% of the agreement. They have also listed just under £300 pounds worth of Accrued Late Payment Interest and Fees. Now my queries are as follows. 1. Can i just pay them the £200 pounds to make it 50% and return the car to them. Or do i have to pay the arrears as well? 2. Can i stall the proceedings by claiming back the fees they have added claiming they are unlawful? 3. Is there anything else they have added like Acceptance fees and Purchase Fees that are considered unlawful that i could claim back. I can burrow the amount required on the Particulars of Claim to cover returning the car from my parents but really need more time to sort out another car. Any help and advice appreciated.
  9. Just a quick question about maybe accepting a settlement from Barclays. Have just sent in my bundle to the 2 other parties and altho its a few days late i'm hoping that the judge will accept it. Anyway recieved a letter from barclays this morning stating that they thought my claim was weak and was destined to fail but they were willing to offer me a settlement. This figure falls about £200 short of the figure i reckon they owe me in charges about £400 short of the figure including court costs and about £600 of the figure if i included the 8% interest that would be applied by the court. Now i'm wondering what i should do. I'm not worried about going to court but if i could avoid it would be nice. Now would i be within my rights to negotiate with them for the full amount including court costs and maybe the 8% interest i would get if i won in court. Or does anyone think thats being a bit to cheeky. Now i'm pretty confident that i'm gonna win in court and this is just them trying to get out of going to court. Any advice would be appreciated.
  10. Can anyone help me or at least point me to the correct thread on this forum Today i received a Notice of Allocation to the Small Claims Track (Hearing) for a hearing on the 22nd of december at southampton county court. Not to sure what i should be putting in my statement to the court and what documents to send with it. I would just like to make sure that i don't leave anything out. And present them with an easy win. Also as anyone else got to this stage with Barclays?
  11. Been a bit busy of late so haven't posted regarding my progress with barclays. No real response other than the usual to my LBA so filled in the moneyclaim form and sent it off. Recieved a response saying they intended to defend. Their defense and the AQ form turned up last friday. Have filled that in as well and will post it off this friday when i get paid. Tho tomorrow i will phone them and see if they will negotiate a settlement because they seem quite willing to do this.
  12. Just got a letter from the customer relations team. Saying my comments are receiving attention and a member of his team will contact me shortly enclosing a copy of their complants leaflet and thanking me for my patience. No mention of a time scale which some people have receivied. Gonna wait for my 14 day period is up and then send an LBA. Wonder if they are finally getting the message.
  13. recieved a letter from cahoot telling me just what my charges are and saying that they have sent me this instead of providing volumes of paper that do not relate to my queary. what a cheek! Any way just sent the prelim letter asking for £595 back and the defalult to be removed from my credit report so fingers crossed.
  14. Got my statements today and just been thru them. Bit disappointed cos it's only £1215 in total could have sworn they were taking money more often! Well guess i'm not as bad with my money as i think i am. Gonna post the 1st letter tomorrow and now the long wait begins.
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