Many thanks for all your help. Have a good weekend.

Sorry forgot to ask where can I find the telephone harrassament letter?

Ok thanks. Just worried in case they turn up at my works to try and take the vehicle. If they should try and do this what should I do? Should I show them the agreement and remind that they I have paid over a third of the finance?

HI thanks for your response. The finance company is Windor Leasing. Not sure what you mean by "take it the finance was not secured by way of a bill of sale was it". I have checked both Hire Purchase Agreements and they do state "Repossession: Your Rights - If you fail to keep to your side of this agreement but you have paid at least one third of the total amount payable under this agreement, the Owner may not take take back the goods against your wishes unless he gets a court order. If he does take them back without your consent or a court order, you have the right to get back all the money you have paid under the agreement". I know one time they told me they had a repossession order is this different to a court order? If they obtain a court order what happens next?

Hi can anyone provide me with some advice please?

I have two vehicles on finance with the same company. The first vehicle's finance was due to be finished being paid in September 2011, however I did fall behind with payments by a couple of months. I have paid over a third of the total finance and there is currently £426 owing, I have been making monthly payments of £200. The second vehicle's finance was due to be finished in June 2012 and again is a couple of months behind. Again I have paid over a third of the total finance and there is currently £419 owing. My monthly payments are £146.I have been making payments, but if I miss a payment or a payment is a couple of days late the finance company is straight on the phone to me (on my work phone) threatening to repossess the vehicle unless immediate payment is made. Also the garage I purchased both vehicles through ring me as well threatening that they have the men and a lorry ready to collect the vehicle from my works address. Do they have any legal right to just come and take the vehicles without a court order as I have paid over a third of the finance and are they allowed to keep ringing me and threatening me like this?Any advice would be gratefully received.

Thanks, could you provide me with Stephensons contact details.

I did reply to Cardiff Court with a counterclaim, but I never received a response to this, so not sure whether this was ever received. The next thing I received was notification from Slough County Court regarding an attachment of earnings being made.

I know I haven't posted on this thread for a very long time, but so much has being going on I haven't had a chance. I did send a CCA letter to GoDebt and received a reply. They also continued to harrass me at work and unfortunately rang my mother and got my new mobile number from her and also harrassed me on that. They then served a Statutory Demand to my work address. The man who delivered it to my work address apparently waited in Reception for over an hour, I wasn't available at the time, before being thrown out by security. I thought they weren't allowed to harrass you at work? They were obviously trying to make contact with me before this became Statute Barred.Anyway finally GoDebt did take the matter to court and I now have an attachment of earnings for £100 a month for a total sum of £6257.09 (this is for the original sum of £2,212 owing plus interest) and a CCJ on my credit file. The Claim form from Cardiff Counnty Court stated that the issue date as 6 June 2011 and the Date of Service was 9 June 2011, although I received it on 8 June 2011 so how is this possible?Is there anyway I can get this judgement put aside or still dispute it? I am trying to rent a private property and this CCJ is proving a real nightmare. Also having looked at a copy of the orignial contract I signed it on 2 April 2001, the actual date I went to Yes Car Credit and purchased the vehicle and therefore signed all the paperwork, but the date of signature by DAF is 5 April 2001. Also the deposit I paid was taken off of the insurance payments and I have been charged interest on these insurances.I appreciate any advice to try and get this matter resolved. Thanks.

Thanks for confirming this. I already have a copy of my original agreement, so do I still need to do this?

Thanks for your help on this. As I am new to this can you tell me what a CCA letter is?

Hi I also need some advice regarding GoDebt. I brought a car from Yes Car Credit on 2 April 2001. When I orginally phoned them a few days before I was told that the car I had could be used as full deposit. On arriving at their garage in Acton, I picked a Vauxhall Astra and started going through all the necessary details. When they took down the details of the car I had brought in for part exchange as full deposit and checked its details, they said there was a query on the licence plate because it had had personal number plates and therefore the car to them was probably only worth £1. However, they agreed to give me £500 for the car and take it off the price of the car. The car was £5557.00 (although this was not displayed on the actual vehicle), they sold it to me for £5057.00 and this is the cash price listed on the credit agreement. After much discussion and them sorting out the credit I was told that I would also need to pay a deposit. I said I wasn't expecting to have to pay this as I was told previously that the car I was exchanging would be accepted as full deposit. After some discussion I agreed, probably foolishly, to pay a £450 deposit. On checking my agreement this deposit is listed as a down payment towards the additional insurances. Although I didn't want the additional insurances I was told I had to have them otherwise I wouldn't be able to get the loan. The loan was for a period of 48 months, and I regularly made payments on this loan for the first 38 months until I got into some financial difficulties. I have received correspondence from GoDebt intermittently over the last few years and have had some phone calls to my work number requesting that this issue be resolved. I have now received a letter from them again stating that I owe £2212.00 but they would accept £500.00 in full and final settlement of my liablity. I am also receiving regular harassing phone calls to my work phone from various people at Go, including Sherrie and now regular harassing calls from Stuart Barns. He also rang my mother yesterday, as she was down as one of my original character witnesses, asking for my personal contact details, which unfortunately my mum gave to him as she didn't know what it was relating to. Someone has also rang my parents again to do and know all their details and have said this matter needs to be sorted today, although they couldn't tell my mum or dad what it was regarding. Surely them having these details is some sort of breach of the Data Protection Act? So as well as receiving harassing and threatening calls at work I am now receiving them at home and on my mobile including text messages. I was sent a text message saying "a process server will be attending at my place of work to serve you with a statutory demand in bankruptcy. Failure to address this matter today will start proceedings against you through the *** county court. Please note your employment and home may be affected. Please take this final opportunity to contact us on 02078312161 asking for Mrs Morris or Mr Barns" Stuart Barns has also sent me an email to my work address. He spoke to one of my colleagues yesterday and demanded that I be pulled out of a meeting to speak to him. He also rang this morning, when I was out of the office, and asked that he be kept on hold until I returned to my desk. My colleague told him that she didn't know how long I would be and he insisted that he be kept on hold as he had all day. He also said he would go on the works website to find out who the person in charge was to send them an email. I am desperate to sort this matter out and to stop them harassing me, especially at work. Should I reply to his email stating that after seeking legal advice I have been advised not to discuss this matter with yourselves on the phone and that I have put something in writing to them. Please can you advise

Hi I also need some advice regarding GoDebt. I brought a car from Yes Car Credit on 2 April 2001. When I orginally phoned them a few days before I was told that the car I had could be used as full deposit. On arriving at their garage in Acton, I picked a Vauxhall Astra and started going through all the necessary details. When they took down the details of the car I had brought in for part exchange as full deposit and checked its details, they said there was a query on the licence plate because it had had personal number plates and therefore the car to them was probably only worth £1. However, they agreed to give me £500 for the car and take it off the price of the car. The car was £5557.00, they sold it to me for £5057.00 and this is the cash price listed on the credit agreement. After much discussion and them sorting out the credit I was told that I would also need to pay a deposit. I said I wasn't expecting to have to pay this as I was told previously that the car I was exchanging would be accepted as full deposit. After some discussion I agreed, probably foolishly, to pay a £450 deposit. On checking my agreement this deposit is listed as a down payment towards the additional insurances. Although I didn't want the additional insurances I was told I had to have them otherwise I wouldn't be able to get the loan. The loan was for a period of 48 months, and I made regularly payments on this loan for the first 38 months until I got into some financial difficulties. I have received correspondence from GoDebt intermittently over the last few years and have had some phone calls to my work number requesting that this issue be resolved. I have now received a letter from them again stating that I owe £2212.00 but they would accept £500.00 in full and final settlement of my liablity. I am also receiving regular harassing phone calls to my work phone from various people at Go, including Sherrie and now regular harassing calls from Stuart Barns. He also rang my mother yesterday, as she was down as one of my original character witnesses, asking for my personal contact details, which unfortunately my mum gave to him as she didn't know what it was relating to. Someone has also rang my parents again to do and know all their details and have said this matter needs to be sorted today, although they couldn't tell my mum or dad what it was regarding. Surely them having these details is some sort of breach of the Data Protection Act? So as well as receiving harassing and threatening calls at work I am now receiving them at home and on my mobile including text messages. I was sent a text message saying "a process server will be attending at my place of work to serve you with a statutory demand in bankruptcy. Failure to address this matter today will start proceedings against you through the *** County Court. Please note your employment and home may be affected. Please take this final opportunity to contact us on 02078312161 asking for Mrs Morris or Mr Barns" Stuart Barns has also sent me an email to my work address. He spoke to one of my colleagues yesterday and demanded that I be pulled out of a meeting to speak to him. He also rang this morning, when I was out of the office, and asked that he be kept on hold until I returned to my desk. My colleague told him that she didn't know how long I would be and he insisted that he be kept on hold as he had all day. He also said he would go on the works website to find out who the person in charge was to send them an email. I am desperate to sort this matter out and to stop them harassing me, especially at work. Should I reply to his email stating that after seeking legal advice I have been advised not to discuss this matter with yourselves on the phone and that I have put something in writing to them. Please can you advise

Apologies, I wanted to start this as a new thread but couldn't find the button to do this. Can someone help?

Hi I also need some advice regarding GoDebt. I brought a car from Yes Car Credit on 2 April 2001. When I orginally phoned them a few days before I was told that the car I had could be used as full deposit. On arriving at their garage in Acton, I picked a Vauxhall Astra and started going through all the necessary details. When they took down the details of the car I had brought in for part exchange as full deposit and checked its details, they said there was a query on the licence plate because it had had personal number plates and therefore the car to them was probably only worth £1. However, they agreed to give me £500 for the car and take it off the price of the car. The car was £5557.00, they sold it to me for £5057.00 and this is the cash price listed on the credit agreement. After much discussion and them sorting out the credit I was told that I would also need to pay a deposit. I said I wasn't expecting to have to pay this as I was told previously that the car I was exchanging would be accepted as full deposit. After some discussion I agreed, probably foolishly, to pay a £450 deposit. On checking my agreement this, is listed as a down payment towards the additional insurances. Although I didn't want the additional insurances I was told I had to have them otherwise I wouldn't be able to get the loan. The loan was for a period of 48 months, and I made regularly payments on this loan for the first 38 months until I got into some financial difficulties. I have received correspondence from GoDebt intermittently over the last few years and have had some phone calls to my work number requesting that this issue be resolved. I have now received a letter from them again stating that I owe £2212.00 but they would accept £500.00 in full and final settlement of my liablity. I am also receiving regular harassing phone calls to my work phone from various people at Go, Sherrie and now regular harassing calls from Stuart Barns. He also rang my mother yesterday, as she was down as one of my original character witnesses, asking for my personal contact details, which unfortunately my mum gave to him as she didn't know what it was relating to. So as well as receiving harassing and threatening calls at work I am now receiving them at home and on my mobile including text messages. I was sent a text message saying "a process server will be attending at my place of work to serve you with a statutory demand in bankruptcy. Failure to address this matter today will start proceedings against you through the County Court. Please note your employment and home may be affected. Plaese take this final opportunity to contact us on 02078312161 asking for Mrs Morris or Mr Barns" Stuart Barns has also sent me an email to my work address. He spoke to one of my colleagues yesterday and demanded that I be pulled out of a meeting to speak to him. He also rang this morning, when I was out of the office, and asked that he be kept on hold until I returned to my desk. My colleague told him that she didn't know how long I would be and he insisted that he be kept on hold as he had all day. He also said he would go on the works website to find out who the person in charge was to send them an email. I am desparate to sort this matter out and to stop them harassing me, especially at work. Should I reply to his email stating that after seeking legal advice I have been advised not to discuss this matter with yourselves on the phone and that I have put something in writing to them. Please can you advise.