My girlfriend had a letter from godebt about 7 weeks ago for a debt from 4 years ago. After being quite persistent for a couple of weeks, we sent a holding letter telling them we were getting legal advice and would contact them shortly (which we are). Its been 5 weeks and we have been really surpised not to have heard from them since. It seems really odd, given the aggressive reputation that they have. We obviously dont think for one minute that we have got rid of them, but do you think we might have been put to the bottom of their priority list, so to speak, since we mentioned a legal team? Or is it standard for them to wait 6 weeks or so?

Hi guys My girlfriend bought a car on finance in the showroom four years ago and attempted to return it within 4 days, which at the time they refused. Obviously as it was in the showroom no cooling off period was given. However, we have been made aware that under the consumer credit act, if we attempted to voluntarily terminate the agreement and return the car within a week, we would be liable for only half of the agreed price. In our case the total payable was £120000. The finance company sold the car for £5000 at auction and removed that amount from the amount payable, making us owing £7000. Now, my girlfriend believes that because of the above rule in the consumer credit act, she is still liable for £6000, rather than £7000, as that is half the original amount. I, however, believe that as we atempted to return the car in 4 days that at that time the debt should have been halved at that time to £6000, and thus when the car was sold for £5000 it should have reduced to £1000. This is causing a great deal of argument between us and obviously the difference between the two possibilities is tremendous. If anyone can settle this argument for us we will be very appreciative. regards

Hi Guys, thanks so much for all the responses. Since our last post, my girlfriend has been finding out quite a lot about godebt and we have a few avenues to pursue. However, since sending the letter proposed in this thread, we have recieved a snappy response from godebt with a copy of the agreement. Our next step is to go to citizens advice and also a law firm who have a great success rate with godebt. However, that aside, what would be the next step generally upon recieving this confirmation letter from godebt? many thanks Mr Shoelace

Wow, thank you so much for such a quick and thorough reply, very much appreciated

The following is a question from my girlfriend which I would appriecate advice on, many thanks: 4 years ago at the age of 18 I walked into a car sales dealership (Stoneacre) and purchased a car worth £6995 on credit. At the time I was a student, only had a part time job and the salesmen were aware of this. A week later we attempted to return the car (within what assumed was the cooling down period) to them and they would not accept it. What followed was a lengthy debate between me and my parents and the dealership, eventually they took the car back within the month and sold the car at auction for about £5000. At the time they informed us I now owed them the £7999, which is the interest on the car as per the credit agreement. My mother, whom I had appointed as acting on my behalf, replied to them many times in writing, explaining why I could not pay it off, including signed letters from my doctor explaining I was not of sound mind at the time of purchase and should never have been allowed to buy the car (I was suffering from OCD and Depression at the time) and because I was within my rights to return the car as it was in the cooling off period. We have all the correspondence in our files and up until yesterday, did not receive a reply to any of these letters – we therefore assumed the matter was over. Today, 4 years later, I received a letter from godebt.co.uk (whom were not the original creditors) telling me I had 48 hours from the date of their letter to return the funds to them. The letter stated that they had acquired the debt in June 2007, however this is the first correspondence I have received from them. This is obviously a great concern to me, can anyone give me an idea of what my rights are on this matter? After all, we: · Returned the car within 7 days and they would not take it back initially · They accepted the agreement after knowing I only had a part time job and couldn’t afford it in the first place · Have sent many letters to them, including a doctors note explaining I was not in the right state of mind to buy the car, that have not been replied to for four years · The letter from this new creditor comes nearly a year after they acquired the debt, and have now only given me 48 hours to reply. I’m sorry for such a lengthy post, but I am very concerned and all the citizens advice/debt help lines are closed on account of the holidays.

New here and not sure this is technically the right forum, however there seems to be so much knowledge here there is no harm in asking. I put a couple of cheques in the bank last month and didnt notice that the cheeky chuffs had post dated them (by quite a long amount of time). The cheques therefore were not processed and I got them back in the post today. Obviously they have a few stamps on them. Are these cheques reusable (once they are no longer post dated) or will new ones have to be drawn up? Its been a pain just getting them from the payees in question, dont fancy my chances of getting another one.