I have recently found out you can ask the court to make a veriation on the amount you pay against the suppened order (let them know things ahve changed and you cannot afford £235.48) it would then be upto the judge to acept this but it would be worth a try

Thanks for the reply scarydays. 1. subcontractor did work and supplied goods for a client of my company went in white label as my company engineer. 2. over the next couple of months i got lts of fault reports eventually the system went faulty and stopped working after 4 months 3. i made calls and sent 3 letters to subby asking for repair or replacment 4. i got no reply form him 5. as my comitment was to my client first 12 months free support and they had a faulty telephone system i replaced the goods and sent the subby a letter with invoice for replacement. 6. subby used rbs invoice finance and was paid within 24 hours of completing the work back in may 07. 7. RBS through its agent are now chasing me for the debt £3400 8. RBS never sent me a welcome pack or contract to sign they did not send an assingment of the debt to me. 9. RBS sent an invoice to me 6 months after the job was completed not within 30 days. this invoice was in my old ltd company name not my current. hope this sorts the points out can anyone help

I run a sole trader company Tel Communications, in may 2007 i employeed a subcontractor to do some work for me. He supplied an office telephone system and installed it for me to a new customer of my company. He told me he used invoice financing through RBS and that they would send a into pack and invoice for the work he did and that i was to pay them direct. After about 2 months i got complaints from my customer that the system was not working properly i tried to contact the subby who installed the system all his numbers were dead i wrote to his last address i had on file and got no reply. this went on for a further 2 months. in all this time i had not received a welcome pack or invoice from RBS. My customer was not pleased. After trying agin to contact my subby after 5 months i took maters into my own hands and had the system replaced. I sent a final letter to my subby explaing his goods no longer worked proplery and that i had replaced them i also sent an invoice for the replacement costs which were the same. In october of the same year i got an invoice from RBS in the name tel communications ltd ( this was the old company trading style changed in dec 2006 from ltd to sole trader) i rang up RBS and explained the situation about the work and equipment been faulty and that i had changed out the system and had the work re done i aslo told them the invoice was in the incorrect name. They have since instructed optima legal to take me to court over the debt my subby has passed over to them he has been paid through RBS invoice finance. I have defended the case at county court it has now been pass to a small claims case for february next year. My question ar is there anything under contract law which cover this, as i had no contract with RBS what so ever they did not invoice me for 6 months after and in the wrong name can anyone help? the claiments are saying the contract was passed to me by my subby help

raymond thanks for reply I am based in the UK the finance for the car was on HP with BMW, taken out sept 2005. The local district judge allowed me to keep the car on the basis i paid a sum over each month to the solicitors acting on behalf of BMW i missed a couple to they have a taken the car back. they had a suppended return of goods order 1. have they followed the correct proceedure ie did they have the right to take the car with no paper work no recpiet or did they have to go back to court to get an order for posession? 2. I have paid well over half the value of the vehicle within the old agrrement i was allowed to hand the car back do i loose my consumer rights because i entered into this agrement with the court as i have had no HP contract cancellation paperwork from BMW under this agrrangment have i seem to have lost all of my consumer rights this cannot be right? let me know your thoughts

Can anyone help, I had a bmw car on finance over 4 years from 2005 with a balloon payment at the end, i got into difficulties bmw delfaulted this went to court as a suppended return of goods order. the court allowed me to keep the car if i paid a sum each month to BMW solicitors. i missed a couple so they have asked for the car back. I handed the car back last week. I had paid on the original agreement well over £17000. I spoke to the BMW solicitor they said i would still be liable for the shortfall balance once the car had sold as my original agreement had been cancelled. They guys that came to pick the car up had no paperwork I just spoke to the solicitor on the phone to verify who they were. Should they have given me a receipt for the vehicle? did they need to go back to court to get an warrent or order for me to return the vehicle? where do i stand on the legal side if the car is sold at auction will I be liable for the balance even though i have paid well over half of the value. did they have the right to take the car? can me agreement be cancelled when i still have the car. the suppended order arrangement did not give me any consumer protection. please help if you can