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CONFUSED45

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  1. Hi Long time since I posted a thread but have been back and forth from various debt collectors, I am now back with IQOR. I have requested another copy of my agreement but only been sent statements, as my Husband was looking at it and the signature at the bottom of the agreement is not his. So we then spent the next 20 minutes seeing if his signature could look like the one on the agreement but no, the way it has been signed is very similar to the person who initialed the agreement. So this throws a totally different light on the matter. I did report them to the OFT for the default. No
  2. help needed I filed my defence papers and acknowlegement papers requesting extension, but was advised by court that the case would still go ahead any in a weeks time, but today I get home to receive a letter from Toyota's Solicitors enclosing a copy of a witness statement which has been received by the court. In this statement they request the Car back plus the original amount on the claim form in excess of £3k, can they do this and if I lose will I then have to give them back the car plus £3k which I don't have, I am so confused!. Also, they ask me to acknowlege this letter, I was going
  3. can someone please help me, as not sure what to as court case is in a weeks time!
  4. Hi Thanks for coming back to me, I have tried paying but they don't want to know, I did phone their solicitor when I received the court papers to ask if we could try and settle this out of court and come to some arrangement with regards to arrears but she said that Toyota want the car back and that what she was going to do. Then 3 days later I get this witness statement in which she now wants the car plus £3k costs. confused.
  5. Hi help needed I filed my defence papers and acknowlegement papers requesting extension, but was advised by court that the case would still go ahead any, but today I get home to receive a letter from Toyota's Solicitors enclosing a copy of a witness statement which has been received by the court. In this statement they request the Car back plus the original amount on the claim form in excess of £3k, can they do this and if I lose will I then have to give them back the car plus £3k which I don't have, I am so confused!. Also, they ask me to acknowlege this letter, I was going to write t
  6. Hi I am dealing with someone called Julian, who has not replied to letter sent on 11th January 2011, can't believe it for 2 missed payments especially as I have already paid back £7k out of £10k, they just want the car. Not sure how the Judge will see it as I have tried to make instalements but they refused to take my money. I will defend it. confused
  7. Hi have today received in the post a N24 from the local county court issued on 27th jan hearing on 22nd feb, return of goods reasons given breach of agreement 2 missed payments totalling £331.56, stating total charge for vehicle £10531.80 total paid up £7132.20 unpaid balance £3339.60. I did write to Toyota finance in January2011, but they have not replied to my letter stating that I was happying to carry on with the instalements and could we come to some agreement over the arrears. Could somebody please help me as I do not know what to do next. confused45:-(
  8. Hi I have read your thread on time orders, sounds good but the £150 charge is putting me off at the moment as I have sent cheque to toyota not sure if they are going to cash it, so don't want it returned and the bank charges! Which is the reason I am in this mess in the first place. I did request of my refund of what I believe are unfair bank charges £3400 over 18months but cause of the high court ruling earlier on in the year told they were well with their rights.
  9. Hi I didn't let him in, I stood outside and spoke to him. it's all happened so quickly just for 2 missed payments, must admit I was shaking like a leaf when he had gone. Will wait to see what the new year brings and hopefully Toyota may see sense. regards confused
  10. Hi I had a visit from AC Anglia today, about the car. Told him a court order was needed to repossess the vehicle as I had already paid over 3 quarters some £7k. I explained that I had spoken to Toyota, trying to pay this months instalement by debit card but they did not want to know and that I had since written to them with a cheque enclosed for this months instalement. He said he would get AC Anglia to get in touch me in the new year to sort out the arrears on the account. He asked if I had any money I could pay today but I said no as I wanted it in writing to know exactly what I was pay
  11. Hi When I spoke to Toyota, with my debit card in hand to pay this months payment as they had cancelled the direct debit and have no other way of paying them unless I pay by cheque. The Lady advised me that this was no longer anything todo with Toyota Finance as the matter had been passed over to their outside collections people. Therefore, Toyota Finace would not deal with me until the account had been brought upto date. Tried explaining that was teh reason for me phoning but she didn't want to know. I have written to Toyota Finance but not holding up much hope and have not received an
  12. Hi They have defaulted me and terminated my account and passed me over to their agents, but they have to get a court order to repossess the car as I have already paid back 7k, the outstanding balance is 3k. I have been made aware of their dirty tricks of trying without a court order the garage is getting cleared today and it will be locked away out of sight. I have written to Toyota but don't hold up much hope. confused
  13. Hi the car is parked on the drive, but no one is here during the day, so could they come onto the drive and take the vehicle while we are not here ?
  14. Hi the settlement figure on the default notice was £3108 cars worth about £3800 if sold privately and trade price is £3530.00, but I would have difficulty with this agreement still outstanding on it. I will write to Toyota tonight explaining how I plan to catch up on the arrears. regards confused
  15. hi I have just got off the phone to toyota finance, trying to sort this out but the young lady was not very helpful and advised me the account had already been passed over to their outside collection agency and it was no longer anything todo with them. She gave me the telephone number of the collection agency, I have had no communication as yet, tried to give her my new address but wasn't interested. I have not telephone the collection agency yet. Not sure what to now, help! confused
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