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Bevsboy

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About Bevsboy

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  1. Many thanks for the reply. Unfortunately, there were only a few months payments made. (certainly not a third of the total borrowed).
  2. Hi Folks I'm pretty new to this game, so any help would be appreciated. My wife bought a new car in 2008 via a loan from RCI Financial Services (Renault). Due to the economic downturn, she wasn't able to keep up the payments. Despite trying to negotiate with RCI to come to an acceptable payment programme, they issued a default notice, which stated the total amount owing, less a rebate of future interest. To cut a long story short, they eventually repossessed the car, and sold it at auction. Despite several requests, she was never given any evidence of the s
  3. On 15th July 2010, The Financial Services Authority fined Redstone Mortgages £630,000 for unfair treatment of customers in arrears. The FSA identified a number of serious failings including the unnecessary use of litigation to secure arrangements to pay, applying unfair charges to custopmers accounts, sending repetitive, excessive and confusing correspondence, and failing to ensure that the servicing staff acting on Redstone's behalf had adequate understanding of treating mortgage arrears customers fairly. It is estimated that it will cost Redstone up to £500,000 to redress customers who were
  4. Thanks Loopinlouie. I thought you had to pay £75.00 to get the hearing transferred plus fees that the "other side" may claim additional fees.
  5. The first part of our sorry saga in our battle with RCI Financial Services was reported in a seperate thread last year. Thanks to all you guys who helped us at that time. Things moved on and we made a couple of offers of payment to RCI via their Solicitors which were both rejected. Case eventually went to Court, and despite the fact we submitted a statement of income and expenditure together with an affordable offer of payment, judgement was made for the full amount. We didn't actually attend the hearing as it involved a 150 mile round trip, train fares of over £140, which we could
  6. I'm having problems with a CO myself, and have done a bit of research on the subject. As far as I am aware CO only becomes payable on sale of property, and Judges are reluctant to force sale, so creditor will have to wait until you sell up. However, judging my experiences over the past few months, anything can happen in our wonderful "justice" system. I got taken to Court by RCI Financial Services, who obtained judgement for full amount claimed. Sent application for Variation of the order to Watford County Court on 16th September requesting order to pay an affordable monthly amount. On 1st Oct
  7. Sorry to have been so long in coming back to all you guys who have helped us. We made a couple of offers of payment to RCI via their Solicitors which were both rejected. Case eventually went to Court, and despite the fact we submitted a statement of income and expenditure together with an affordable offer of payment, judgement was made for the full amount. We didn't actually attend the hearing as it involved a 150 mile round trip, train fares of over £140 and was very thoughtfully scheduled on the day of our Silver Wedding anniversary! On receipt of the judgement, we made an application to the
  8. One further point that I would appreciate an answer to. My request that appeared to have rattled the solicitors cage so much was made under CPR 18. Should it have actually been made under section 7 of the CCA. Sorry to be a pain but the whole matter is having an adverse effect on my wife's health and she wants to just give up Thanks in advance
  9. Unfortunately, less than a third had been paid, so I presume they didn't need a court order
  10. Thanks for the quick response. I think that I am OK with timeframes at the moment - I returned the Acknowledgement of Service form back to the court yesterday which gives me a further 14 days, One point from the solicitors letter - I've pointed out on several occasions that the reason repossession took place was the fact that RCI did not respond to three seperate payment proposals which I made in writing (They have a history of not replying to correspondence - see other threads) The solicitor maintains that my letters do not place any obligation on either the client or the solicitor to r
  11. Thanks r&b, and to everyone else who is helping Will post Default notice, once I have worked out how to do it! In the meantime, more help needed please, if anyone can Wrote to solicitors using template letter from the forum which I've posted below CPR 18 - REQUEST FOR INFORMATION I have received a recent court claim from your clients. In order to file a defence and counter claim I require some information. Given that this matter is now the subject of legal proceedings, you are obliged to disclose under the Civil Procedure Rules, the information and documen
  12. I did have a trawll through all the correspondence from RCI/Solicitors over the weekend. The default notice was issued on 10th September, giving until 30th September to pay arrears. During this period, sent letter suggesting payment programme which was never replied to. Letter received from RCI 11th October saying agreement cancelled due to nonm-compliance of Default Notice. Sent another letter stating we could pay off arrears, and revert to contractural payments. Again no reply received, and car repossessed week later. Amount being claimed is £1500 more than on default notice. Can they
  13. Thanks trooper - I'll SAR both RCI and the solicitor tomorrow. How does this stand with returning the claim form to the court. (I've only seven days left) Can I ask for more time pending a reply to the SAR's Thanks also to Faza for your continued input - You're both a great help
  14. Thanks Faza - really helpful advice. One further point if anyone can help. The solicitor acting for RCI, gave the impression in writing that our payment offer was sent to RCI for consideration, but in reality, an employee in the solicitors office made the decision to reject our offer on the basis of a mandate that they hold from RCI. The rejection was not transmitted to us for 10 days, giving the impression that this had been referred to the original creditor. Isn't this deception? - Do I have any right to see the mandate they hold. Once again, any help would be gratefully received
  15. I am fairly new to this , so any help and advice gratefully received My wife bought a Renault Twingo about 15 months ago with a loan from RCI Financial Services. After a few months, our income situation changed dramatically, and she fell behind with her payments. Kept RCI informed of the situation, offering a payment programme to clear the arrears, but three letters that we sent them never received a response. (The words "customer" and "service" are fairly alien concepts to staff at RCI - see other threads!). My wife did telephone RCI during this period, and experienced a conversatio
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