IM not ...i feel like a bear with a sore head and want to growl at the world......and eat the bad ppl....but if i dont lol.....i might go insane....

Thank you....need one...x

what made me swear today...mmmmmmmmmm this is a biggy..getting up to discover that my lovely silver car had been spray painted with black paint.....and all my 4 tyres slashed.........and before anyone asks...no i havent upset up anybody.....lol...i might have to now though.....girrrrrrrrrrrrrrrrrrrrrrrrrrrrrrr......

Im sure you could answer us both. ..lol. .but to be honest theres so much conflicting advice on here about.stuff. ..and its hard to make head or tail of it ....thats why i got other advice also.... ....and yes i know some of the points i made arrnt there in full. ....im past caring about it all now.. .its made me be i,ll in the past through stress.... ..so now i look at it like... .its a debt., ,,,,,no debt is worth making yourself i,ll over......

good luck to you.....

no one witnessed mine... ..the only person who signed mine was the car salesman and the solicitor... .as long as it got legal stamp that seems to me all they care about. ...but like i say get trading standards to check it out.. ...ive found that no matter what anyone tell you... ..you need confirmation face to face...

it should only cost 5 quid...i got a copy a few months ago...enclose a stamped address envelope......

hi there.. ..im not really an expert on this.. ..but there should be a clause about bankruptcy. i mean how are you suppose to pay if you have no money court should decide that one if your going bankrupt.... .....and normally they usually reposses car.. ..has that happened? as you know with the bill of sale they dont need a court order for repo....,, ,my advice would be to go to your local trading standards . ...usually have them in local council offices. they looked over mine there and then and told me that it was legal even though the date didnt match... ...and it doesnt matter if who signed what .. ..i asked about that myself....

how come you think the credit agreement isnt enforceable ?..have they already repossesed car ?

Hi dx Im off work at the moment so going to try and find a library where i can do it....i didnt forget..,asked about ...and no one i know has got a scanner...printers and that but no scanners....girrrrrrr.....i dont know anyone where i live so no one to ask,,,,,although a kind gentlemen on this site offered me a scanner for free but lives to far away sadly.... I know i have things on agreement that im paying for as trading standards looked through it breifly and told me.... I will try my utmost best to get this done... Thank you

O by the way...they did say they would continue phoning because they are a phone based company....but obvioulsy someone can type ..because theyve wrote to me also....

Thank You so much,,, I will copy and write this out,,,ive wrote to them and sent my income and outgoings.....but today some big burley blokes turned up with out prior notice teo reposses car.felt intimidated.....wrote to company 4 months ago to pick it up....but to give me 7 days notice ,,but no......just turned up and spoke so the whole street could hear.....wasnt happy..but they said they would phone me when they arrange to pick it up with van......got to say be glad when its gone....debt still there....but im not the only one with debt.,,.Thank You for the letter....

Very Good.....lol...

HI Monx I think it depends on personal choice,,if you are brave enough to have one and feel that its your only option left...then speak to doc and see how you feel then. I have been overweight and i know how it can make you feel both mentally and physically. I saw a picture of myself at my sisters wedding...and was shocked.it was at that point that i decided to change. I wasnt brave enough to consider surgery,,,i joined slimming world....i was 16stone 3.....i ended up at 11stone 4....and have been like that for over 3years....it changed my life .and weight...and i have every confidence in my abilty to maintain this weight...mind you though its now a way of life...i dont think about oo i cant eat this and that...i just get on with it.however...this plan may not be for you, I wish you every luck in the world which ever route you decide to take....take the one thats right for you....not what anyone else wants for you...x

No one should have to live like that in this country...Bet the person who decided stop your jsa wont be wondering what to have for their tea will they...shame on them...keep your chin up...and good luck x

I went to the post office and got a V62 and a V10 form....i also had the little slip that comes off the log book for the new keeper....the car is insured in my name...and i was told i could tax it at post office...but went to local dvla office.....and they wanted a 25quid fee for a new log book.....but dvla sent log book to someone else,s address in my name...so wasnt my fault...didnt pay fee but car got taxed....as long as you have little slip off log book and insurance for car...and the V10 and V62 shouldnt be a problem..as far as im aware...

Just a quick message to dx.....i havent forgotton about documents being scanned and put on here for you...just trying to get it sorted....thanks for your patience...kittex

How long have you got left before agreement ends? I suppose with arrears that would depend on how much you owe...( im not prying lol ) you could always offer to continue with what your paying now till it ends.depends on how flexible company is really...my finance comp not the best to deal with so i may have a long hard slog on my plate as a bit complicated. As for the cab im hoping to get some insolvency advice or bankruptcy advice . Pretty scary stuff but ive nothing to lose except maybe pride..! Now then ..bank robbery...mmm not sure id make a good bonnie.....lol.....but banks...daylight robbery in my opinion....lol Ive got laugh otherwise i might go mad with all this stress...Good Luck to you

Have you done an income sheet? In reality you can only afford to pay what you have got left after priority bills.e Ive taken some advice from trading standards and going to see cab for them to make appointment with money advisor.I actually wrote to my finance company and offered them £10 for the next 6 months to see if my financial situation improves,,in reply to that they sent me income and outgoing sheet..which when done ive nothing left.. As for winning lottery....lol..i put euro millions on last night ..didnt even get a number....lol....think thats just the way my lucks going at the moment....aaaaa well....someone once told me theres a soloution to every problem...and im sure there is..,,,heres to finding it eh...lol.

Yes i know what you mean about not earning .my hours have changed at work and losing money in working tax ...that was what was paying for car...I take it your car wasnt bought on a bill of sale then if theyve not been for the car as they prob would have taken it and sold it regardless of price...the thing that gets me about some companies they dont seem to understand that if you havent got the money..you havent got it and no amount of pressuring and mithering it going to get money....sad fact of life ..me and you wont be the only people in this situation...

Im sorry if it felt like i was prying also by asking about your car...was just curious...mine an 04 megane..that i bought in 2008...and now when i look at everything...wasnt worth it......240 a month....but yes your right... thats where they have us isnt it with credit stuff....sadly....and my credit rating....well ...im might as well forget it...lol..

well no it isnt really,i just wondered because in a way im in the same boat and i think .....well i know..... i was paying very much over the odds for what really is a bog standard car and was just curious ...i hope things work out for you ..theres plenty of ppl on here with great advice and help...

Thank you for reply..dx...i will try and get it done over the next couple of days. as i will have to get someone to do it for me as im not very computer friendly...but its not a problem..thank you...

..can i just ask out of curiosity ...what kind of car did you get..? and your not on your own with situation not affording the payments....im there myself with that one ,,,,,,,good luck to you and hope you get it sorted..

you have done right with this...i had a similar thing...even though it was my fault...didnt put hand brake on proper....rolled down a little hill,,,into an icecream van..( no kids about ) the woman demamded 100 pound for nothing....there wasnt even a mark....i gave her my insurance details...and said go through them...she went on about no claims bonus...so i said im not bothered....if you want the money...for invisible repair....go through insurance...never heard a thing again...