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  1. Hi DX, why wouldn't I? What about the money they say I owe and confirming the drop off location..?
  2. Thanks theoldrouge. I need to respond, can someone help put it together. Also how can they accept I owe nothing then tell me I owe them £15.... or am I being thick..
  3. Hi DX thanks for your reply explanations below: _|0 = £0 283.32 267.58 15.74 is what I am supposed to owe them.
  4. i have received a response today by email, (only posted the letter on Friday). edited response below. could you please advise if what they are saying is correct? "Please read the full contents of this email carefully. Further to your recent enquiry regarding the voluntary termination of your above numbered agreement, please find below important information outlining the required arrangements. Upon termination of the above agreement you will need to pay: 1. The outstanding arrears on your account (applicable if already paid 50% of the total amount payable) = 」0 2. At least one half of the total amount payable as stated on your Hire Purchase Agreement. This sum takes into account payments you have already paid, any deposit you paid at the start of the agreement and any arrears not shown in (1) above = 」0 3. Any outstanding collection charges = 」0 The total you will need to pay under this section is 」0 If you purchased any insurance products, other than GAP insurance, at the same time as your motor finance and they have not already expired, they will be cancelled upon termination and a pro-rata refund will be applied to your account. In the case of GAP insurance the policy will be cancelled upon the termination of the agreement and a pro-rata refund will be applied, which will mean that no further sums will be payable (other than arrears) in respect of the policy. Any other outstanding sums (e.g. payments for expired policies and/or any overdue installments) will remain payable under the terms of your insurance agreement. In order to settle the insurance element of your agreement and claim any rebate to which you are entitled, you need to pay the amount set out below. This will also ensure that you have no further liability under the insurance element of the contract. The amount required to do this is 」xxx.xx Less Rebate 」xxx.xx Total amount payable under this section 」XX.XX (i owe them apparently) Condition of Goods The goods must be returned in a condition commensurate with their age and mileage, both mechanically and cosmetically. Should the goods not be in this condition when returned you will be required to pay to us the amount required to return the goods to such condition. This amount will be in addition to any sums detailed above (please refer to the terms and conditions of your Hire Purchase Agreement). Our definition of good repair and condition is that the vehicle must: Require minimal refurbishment to be ready for resale Have a current MOT certificate or require little or no work for the issue of a new certificate Be free from mechanical or body damage Be in its original paintwork, trim and specification (as at the time of purchase) If you are in any doubt as to the condition of the vehicle, you may choose to obtain an independant report from an organisation such as the RAC or AA to confirm the above. The goods must be returned to us within 21 days of this email to complete the Voluntary Termination. In order to obtain details of our nearest agent to you please contact us on 01472 586360. Alternatively, we can arrange for the goods to be collected from your address. An upfront fee of 」80.00 will be payable for this. We look forward to hearing from you."
  5. Thanks DX100UK. I have modified the letter and will post today. could you or another confirm the following points please., 1: Will i have to pay the next instalment due mid February 2: As i paid for the GAP insurance will any refund be due? Thanks
  6. Hi All, I have just received a large tax bill and i need to free up some finances to make a payment arrangement with the beloved HMRC my Hire Purchase Agreement was started in January 2015 on a 42 month agreement and i did opt for the GAP policy. can you please confirm if i can Voluntary Terminate the agreement and if so how. i did have arrears but these have been cleared and everything is now up to date. Thanks in advance.
  7. I believe it is to do with the AoE as it is dated the same (both 17/12) would you agree?
  8. it's hard to give you all of the facts when I am not in possession of them myself....
  9. Hi Andy, thanks for replying. We accept the debt, so will be filling in the form. from your replies I take it there is no way of getting an extension whilst we seek professional advice?
  10. it was due to be filed on 25/12 notice is dated 17/12. (also point of confusion is a letter "notice of transfer of proceedings" also dated 17/12 from Northampton CCBC. how can this be transferred and form issued on the same day? un defended credit card debt
  11. Hi, My wife has told me she received a N55 form(attachment of earnings order). I have discussed this with her and I believe we need to seek professional debt advice. is there a way of delaying the due date (received before Christmas) so we can get advice? also where is the best place to go for impartial advice and help...? Thx
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