Hi did this go anywhere?

HI any update from the 2nd??

Hi I can't claim to be an expert but I've managed to claim back nearly 10k bank charges thanx to the help of the people on this site, you'll get plenty of help here, and more importantly support, I know it's not easy but when is anything worthwhile easy? I'm sorry that I can't offer you the advice you need but I am absolutely certain that you will get the help off someone who knows there stuff SOON, don't give in just yet. regarding the calls, either don't answer them if you don't know the nuber or have some fun, quote the Data Protection act to them ot the CCA, or just talk about irrelevent sh1t to them. have a read of this it'll cheer you up http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/131475-dealing-dcas-phone-calls.html

OK will do, be back in about 40 days, thanx again

yup I thought so, and it is a pity, i found this site about 2 months after they took the car, I might try the sar anyway, you never know they might of lost it;). So no point me trying the under duress angle? Them lying? claiming to have rights they didn't?

Hi thanx for your response, unfortunealty the only paperwork I can find is the "Voluntary Surrender Authority" which has my sig:eek:

Hey why are you giving up? From everything I read on this thread your still along way from beaten!! Come on, forged sigs on credit agreements = no credit agreement! end of, you've already won mate, they just don't know it yet;) I'm not really in the know about all this yet, i'm just finished with bank charges but there are plenty of people around who do know and they'll help you win, so don't give up, it takes time, but you will win in the end, just keep fighting, one step at a time:D

But I will say that we asked and asked for a repayment plan or if there was any way we could get to keep the car but we were told the they were taking it there and then and if I didn't give it up they would call the police to get it, I was very very upset at the time and could barely focus for the tears, it was my only why of earning money as I work mobile! And when they sold it for £1000 ( MG had just gone bust). I borrowed about 12k, paying back about £220 pre month, I think I missed about 4 or 5 payments although I don't remember if they were just late payments or if I totally missed them.. I found a letter of a solicitor asking me the pay more than the £5 per month I'm currently paying;). It's an agreement with First National Motor Finance. Is it worth me CCAing and SARing them or should I just drop it now.

heres your other thread:D http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/182268-monument-sars-letter.html

Hi all, correct me if i'm wrong ( could be cofusing one thread with another) but didn't you get a letter off shoo's saying that they didn't attach docs to original claim form, as it was through northamton? if so how can they claim that you received them with the claim pack? if that makes sense;)

Oh yes and don't forget that there was an agreement in place with the OC for payments at a reduced sum and that nopayments where missed, I don't know how relevent this is but I feel there must be a case that this claim should never of been brought?

Hi all, I've just read this thread and from my understanding the OC issued the default in 2006?, and terminated the agreement in 2007? The DCA hasn't issued a default The crux seems to be,,, insufient time on default notice, only given 14 days from date of letter, no time allowed for service, then terminated unlawfully. Sorry if I've misunderstood whats been said over the last few pages but it seem to have got bogged down with inaccureses (ok my spellings cr4p but it is 5am) I'd defo SAR them ( the OC) for the original agreement and anything else they might have, at least then they have to provide a true copy of the SIGNED original! And get working out how much, if any, unlawful charges have been made, don't forget that the original default notice is void if the arrears include any charges or interest, so thats 1 more way the destroy the default notice, please feel free to flame me if i'm wrong

Hi I thought I still had the credit agreement but Ican't find it so I think I'll S.A.R them, rather than a CCA request, i'm in no rush, so a SAR will get me more info, I could do we some help with this, as I want to be specific what I ask for the ensure they are in no doubt what is required. Ay ideas?? thanx Jimi

quick update........ 6 days after sending my letter, the spoil sports at CSS have withdrawn from the field saying...... Dear Sir or Madam they don't even know which sex they were demanding money from, never mind have a name. Thank you for your letter dated 5 th March 2009 received tody 10th March 2009. todays the 11th, WOW, they were really quick to get rid of this! We confirm that when we were instructed by out client to write to in this matter and were not aware of any dispute which related to this matter. We confirm that we have now closed our file and we apologise for any inconvenience caused to you and confirm that we have forwarded your letter for them to deal with directly. Boring b*ggers. Oh and they sent it 1st class:eek: I suppose that they have sorted it out between the three parties, and ScotCall have drawn the short straw and are dealing with it. Oh well, it's all evidence, I wait with baited breath for the letter from scotcall,,,,,,NOT

OK i'll have a look through my paperwork and let you know, thanx for your reply

Hi all, just a not so quick question:p,,,,, I bought a MG zr in 2002, I had an accident, not in the car, so had to close my business about 3 years later, so couldn't keep up the repayments, after several months we were told that they wanted the car back (fair enough). We asked about catching up as we were now in a position to pay, they said no, all or nothing! They arranged a visit from a very nice man and a tow truck, again asked about alternate payments but he said the same, I pointed out that we had paid of almost 2/3 off the car and he said that it didn't make any difference to anything, and off went my lovely car:( Ok my question is, I read yesterday that if you've paid of more that half then they need a court order to repossess, and then only a court bailiff can take it, if they don't follow this process then i can claim all the money I paid for the car. I was and still am very upset about this as I feel I was decieved into thinking that I had no rights/chose in the matter. Can anyone tell me more please, my computer crashed as i was reading the thread were this was posted and have been unable to find it again, or anything else on the subject. I remember it had something to do the CCA, coming into play once you'd paid X amount of it and I'm trying to read the CCA but it's in legalise which I struggle with:confused: thanx in advance Jimi

I once had a "doorstep collector" turn up at my door, it went something like this,,,,, monkey, Hi is XXXX ( my sister)there. me, who's asking, monkey, thats private, the sound of a door slamming. 30 seconds later,,knock knock. me, oh your still here? monkey, ok we've got off on the wrong foot, me, no, like you said it's private and so is xxxx's whereabouts, the sound of the door slamming again:D he gets into his car and gets on the phone, 5 mins later I see him walking back up my drive so i go to the door, me, your trespassing go away, monkey, can I leave a message for XXXX, me, NO, NOW Fxxx Off I'M RINGING THE POLICE! I don't know why but I've never seen him since, I had not long before found this site and would of cr4pped myself before i had, so thanx again for all the great advise given out. I should explain that this is a new account i'm using as the other was in my real name.

HI all, my G/F is a member here with another account but it's in her real name so I decided to open this so it's harder for "guest's" to work out who she is. I will write this as if I'm the debtor as I find it easier and I'll be dealing with this as I'm between jobs at the moment so loads of spare time:(. I have absolutely no idea where this alleged debt comes from, namely which business address, could be 1 of 2 addresses as I moved shops about 1 year before I closed the business, I don't know when the alleged debt is from, I was trading for about 6 years, or whether it was for gas, electricity or water. I should say that when I left both shops I paid ALL bills upto date, so I've got to say that I owe nothing to anyone with regards to that business. I have had nothing to say that I owe money from United Utilities whatsoever and until these letters I have never heard of this alleged debt:-? OK I recieved a Threat/letter from CCS Debt Terrorists claiming I owe United Utilities a small amount, they have addressed it to a business that ceased trading a number of years ago ( though probably not time barred), but sent it to my home address. They are laughingly threatening me with court action. Then 1 week later the lovely monkeys from ScotCall send me a threat/letter for the same amount allegedly owed to UU, These monkeys are threatening me with "doorstep collection":rolleyes:. I've sent a letter to both saying I don't aknowledge any debt to any of the 3 parties, I told them that there seem to be issues about who owned the alleged debt, so I gave then each others phone numbers and told them to sort out who's threats i should listen to:p (not that I will take them seriously anyway). I also stated that I strongly dispute the debt and I listed proof of the debt I want to see, i.e. 1. A copy of the bill where the debt originated. 2. Address where this alledged debt originates. 3. what the debt cosists of. i.e. for water, electicity or gas. 4. proof of the debt not being paid, 5. a default notice, 6. any copy of any letters that have been sent to the me regarding this alledged debt., 7. a deed of assignment or whatever you call the contractual right you claim have with regards to you rights to claim this alledged debt, or to take legal action with regards to the alledged debt. I told them that I expressly forbid anyone coming to my door. I said that I believe that there has been publicity about this sort of thing being a [problem]. I also informed them of the costs I will apply should this debt prove to be in error or unenforceable in any way. i.e. charges for me to write to them or e-mail them or if I answer the phone to them:D. I told them that if they contact me in anyway, without including ALL the information I've ask for, then that will be proof of thier acceptance of these fees. I told them that i'm being treated for anxiety and depression(both true) and if they make a threat then they MUST follow it through or I will start a county court claim for damages for there attempts to cause me mental distress and harm. So let the fun begin lol, sorry it's such a long post. ps, and I open a hotmail account in the name of the ex company and gave them my phone number, like I said I have loads of spare time and I am a fan of Fuzzybobble:D