Jump to content

apples76

Registered Users

Change your profile picture
  • Posts

    39
  • Joined

  • Last visited

Everything posted by apples76

  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
  12. I am not sure about the reference number as I phoned the court to get the info... The judgement has still to be typed..
  13. Update and new question. the writ was removed by the bailiffs so thank you for the info. The case went to court and had the remaining defendants added to the judgement. although i did send a letter requesting the court did not do this and let my daughter pay the current amount by 31/08. the judgement was as follows: the remaining defendants (other students on the lease agreement) have now had a judgement against them for the current total amount owed plus additional costs and fees. in the judgement it states that they shall each make a set payment monthly and if one of them fails to pay then they shall become responsible for the debt in full. it does not mention the original order made by the bulk center where my wife (Guarantor) and daughter were given a CCJ. What i would like to know is where we currently stand legally with this and the original judgement. Also it appears that the bailiffs who came to the house have been appointed by the claimant and not the court, does this mean they have diffent powers to enter the home etc...? Thx. Worried dad.
  14. I have spoken with the bailiff and he told me to send proof of ownership to their office address. He would not tell me how to hold the collection proceedings so could someone please advise how I need to go about this. Thx
  15. Yes she lives at home, proof is not a problem I have the V5. What about the halting the collections pending the new date?
  16. I also need to add that this has been moved to another court from the bulk processing center to another court with an new hearing date. Is there a form that needs to be filled in to stop any further collection actions by the bailiff?
  17. I hope that someone could Point me in the right direction. My daughter has had a CCJ against her due to a student flats she didn't take up or pay anything to and just ignored..... I came home to find that a bailiff had called during the day and put a writ against my car that I had on the drive. What I. need to know is how do I contest this and get it removed.... Appreciate your help. Thx
  18. Hi, A few months ago my wife received a PCN from Euro car parks for overstayed by 19 minutes in a free car park. after reading advice on this website we duly ignored this letter and subsequent letter. however we today received a letter from Debt Recovery Plus Ltd. it says: "Our client has written to you previously explaining that your vehicle was parked in breach of the agreed terms and conditions regarding parking on their clients private land. As payment has not been received our client has instructed us to recover the above monies from you as the driver at the time the vehicle was parked. It is essential that payment is made to us within 7 days of the date of this letter. if you are having difficulty in making the payment then please contact our office on 0844 561 0965 to discuss your proposal for payment. We are a member of the British Parking Association (BPA) and it's approved Operator Scheme and we adhere to it's code of practice. As the registered keeper it is important that you inform us immediately if you have sold/hired the car. if you were not the driver, please provide us with the name and address of the person who was driving the vehicle at the relevant time. this is important so that we can avoid pursuing the wrong person. The BPA code of practice states that "the courts do not look favorably on motorists or consumers who try to withhold information from operators when it has been asked for with genuine, reasonable and proper cause". Accordingly, if we do not receive full payment or contact from you with your proposal for payment, this matter may be passed to our solicitor to commence County Court proceedings." can you please tell me where my wife stands as she wont go to court under any circumstances..... Thanks
  19. Hi Ganemede, unfortunatly my wife doesn't remember much about it.... it has been over ten years atleast probably 14 since she has heard anything about it...
  20. We have received a letter from Solicitors acting onbhalf of Triton Credit Services with regards to a debt which we believe to be statute barred. the letter is as follows: "We are instructed by our client, Triton Credit Services, who are instructed by The Royal Bank of Scotland plc in connection with the above liability. We understand that, despite formal demand for repayment, the above amount remains unpaid and we are likly to be instructed to commence court proceedings against you, without further notice. Howerever, bewfore we commence these proceedings, you have one final opportunity to make payment of the above amount within the next seven days. Please make cheques payable to Triton Credit Services and send them to our client, details we confirm below. Should our client not receive payment or acceptable proposals within seven days, it can only be assumed that you will not settle this matter on amicable and reasonable terms. We are then likly to be instructed to commence court proceedings against you on our clients behalf." this is not the first letter received, there was one back in September in which the reply we sent is below. to which we received nothing until the above letter. " September 30, 2011 Triton Credit Services PO Box 5827 Basildon SS14 1XS Without prejudice I do not acknowledge any debt to you or any other company or organisation that you claim to be representing. Dear Sir/Madam Account No: XXXXXXXXXXXXXXXXX You have contacted me regarding the account with the above reference number, which you claim is owed by myself. I would point out that we have no knowledge of any such debt being owed to The Royal Bank of Scotland We are familiar with the ‘Office of Fair Trading Debt Collection Guidance’ which states that it is unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. We would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods. Furthermore, ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment. We would further note that based on the information you have supplied, this account would also be statute barred under the Limitation Act 1980 Under the Limitation Act 1980 Section 5 "an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued". I would also point out that the OFT say under their Debt Collection Guidance on statute barred debt that "it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period". Furthermore that the OFT Debt Collection Guidance states further that "continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred could amount to harassment contrary to section 40 (1) of the Administration of Justice Act 1970". We would ask that no further contact be made concerning the above accounts unless you can provide evidence of both: (1) proof of my liability regarding this debt. and (2) payment or written contact from me in the relevant period under Section 5 of the Limitation Act. We await your written confirmation that this matter is now closed. Otherwise we will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions. I look forward to your reply. Yours faithfully" could anyone advise on the letter to respond with. Many Thanks
×
×
  • Create New...