i have another thread which is the only one i am bothering with as the others i havent heard from in years. no one is replying to it though and im going to ring the DCA in a minute as todays the deadline

all coming up to that now to be honest, within the next 8 months, only one is chasing me.

does anyone know how changing your name due to marriage can affect your credit file? ie, if i have bad debts in maiden name from a long while ago, does changing my name on current credit accounts which are being ran well mean that my score etc should get better?

really need someones help here, id love to drag this out until march 2010 but i think im going to struggle to keep it going that long?

hi all right after reciving all that bumph i then got a letter stating they were trying to locate the documents, they would be in touch within 28 days, then another stating that, the last one i had saying that was in mid may, now ihave had one offering a payment plan, and now one stating if i dont respond by today (recievedf yesterday) that they would start legal proceedings im not sure what to do? do i need to pay?

i would also remove your personal details from your scan!!

not sure if it helps but why not start putting some money aside to buy a new car outright? rather than needing credit? x

the statement of account shows that that was the last payment before they started to bounce, its from egg themselves, im sure its correct.

i think i would now request a copy of there formal complaints procedure and again advise them that the account is dispute. They havent provided anything at all. bunch of cowboys! some clever person will be able to post a letter.

can anyone help?

also yes it is my signature, anyone help??

to be honest i thought it was longer ago than that as i would have been 20 then?

sorry if these are huge and not in right order? the top paragraph on page 1 states this agreement which incorporates the loan agreement terms and conditions supplied to you with your copy of this agreement contains the terms on and which we provide this loan to you

right then, ive finally had a response from capquest regarding this egg loan The contents of the enevelope are: a copy of notice of assignment an account statement sheet (stating last paid in mar 04, bum!) A signed credit agreement, which is two pages, internet agreement by the looks of things (please dont ask me to scan as i dont have a scanner, but i am happy to describe very fully!) A stapled together printed off of the web set of terms and conditions which are definately seperate i dont really know what to do with it now, other than i was charged PPI i never needed, and also the balance at close with egg has DOUBLED with capquest. any suggestions welcome!

bump!

subbing with great interest

hi everyone my partner recently (last thursday) passed his car back to the finance company as it had gone over half way and he had the right to terminate because he no longer used the car, so he did! The car was in okay condition, a few surface scratches, a small hole in the door which would be easily fixed, and he also spent £900 on a brand new engine about 8 months back. anyway, he was informed that within 10 days GMAC would contact him to discuss any work or outstanding balances etc. Today he has come home to a letter from close credit managment ltd stating the following: Dear Sir/Madam Further to your recent communication with our client regarding the termination of your financial agreement and a recent inspection of your vehicle we have been instructed to deal with this matter on their behalf. We can confirm your oustanding liability relates to an amount remaining due under your contractual agreement confirmed by our client together with damage charges relating to the condition of the vehicle. it is now extremely important that you contact our office as a matter of urgency to make arrangement to pay the amount oustanding. yours faithfully On the other side of the letter it has a breakdown as follows: 23/2/09 Damage 701.50 26/1/09 Insurance 100.40 26/1/09 Finance 486.00 now as far as we were aware any finance outstanding is cancelled when you return the car under your right to cancel waiver, and also what insurance?!! as for the damage thats a ludicrous amount, its £150 at the most. not to mention the fact that trading standards told us we were sold a dud by them anyway, and under the sale of goods act we should fight for the engine rebuild cost as it should not have blown at 50,000 miles. we also havent had a default notice, or deed of assignment... where do we stand on this and what should he do? he is absolutely livid!

im sure its verging on 6 years. ive had ANOTHER letter today, basically saying the same thing, and informing me they will not pass it to any third party and wont take further action. how delightful.

bump! someone??

right then i sent the prove it letter to capquest last week of Feb, and so far ive had 3 replies. The first acknowledged my complaint letter, and included a copy of the complaints procedure. the second a few days later, stated that my letter had been passed to the relevant dept and outlined the timeline i could expect a reply the third recieved today states that they are making enquiries with the originating company, that the acc is on hold for 28 days in the meantime and if i could supply any documents or proof of payments to the account that may assist with my query would i please forward them ASAP. yeh righto. Anyone smell a stat barred? :grin:

whats the date of last payment?

yeh i wasnt sure how to go about saying prove it, but thanks! do i need to send to HL Legal or Capquest or both?>

Hi everyone i have recieved the 2nd letter in the threatogram cycle from capquest this morning, from HL Legal. i now am certain they arent fishing and have somehow confirmed my residence, so its time to send the statute barred letter. now do i send this to Capquest AND HL Legal or just one of them? oh and what would happen if i didnt reply at all. also can they then start legal proceedings (or will they) whilst i dispute this debt which is very old. thanks for any help, ive already got Letter M in word.

i think what you would need to do in that case is send a letter stating that you appreciate their offer but you are not in a position to do so at the moment, enclose a ten pound payment and state that is what you can afford to pay, which will complete the account within 6 months, if they cash the payment they are accepting your terms. they would never take anything this small to court anyway x

find the money from friends family or back of sofa and pay it, then its done isnt it? thats what i would do.