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About mark12

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  1. Hi dx, Yes, its quite a mistake sending me all of this person data. But well see if that means anything later on. I'll check with regards to the repo costs, it was a flatbed they sent to collect it though. Yes, thanks for informing me on the fronting info. I'll certainly keep that in mind and look into this further. Not really sure where to go from now. I think I might get in touch with the FCA and see if there's any grounds to proceed on the miss selling front. It's just a miserable situation when you finally realise the implications of these
  2. Thanks, there's no figures on the agreement that I can see. Only on the threat letter which states £5,745 not £5,187 in their original email. The collection was sort of mutual don't think there was any dodgyness to it Do you think we have any leeway to complain about my brother being accepted for me. I'd much rather have the debt put on to me than him?
  3. Hi dx, Yes, it does say on the letter 30 days to reply. Sorry, it was addressed to him, I just said I received it in my initial post for simplicity, really. His name is on the agreement. In hindsight there was a lot wrong with the sale: he only has a provisional license, appropriate affordability checks weren't carried out etc, you know what car salesman are like, they're only interested in the sale. Yes, I rang them up and said I had lost my job. I asked if the payments could be reduced or that the finance term could be extended but they would only accept
  4. Hi dx, The letter does not have any title but, it does have attached to it a reply pack with an income and expenditure form included. No problem, I'll scan and upload the agreement tomorrow so you can have a browse. Just as an aside, the agreement does say on the top of the page hire agreement regulated by the Consumer Credit Act 1974. So I was wrong. Thanks!
  5. The agreement started 11/02/2019 for 47 monthly hire payments Threat-o-gram : We are instructed on behalf of Hyundai Capital UK Limited T/a Hyundai Finance Contract Hire. This is inaccurate, as on my hire agreement it says - Owner Santander Consumer (UK) plc trading as Volvo Car Financial Services. Hyundai must be who this other persons agreement is with. The only will is: Should you fail to make payment of the outstanding bablnce of £5,000, or alternatively provide realistic payment proposals within the next 30 days, we are instructed to issue County Court pr
  6. Hi dx, Thanks for the quick reply! Unfortunately the history is a tad complex but I'll give it a shot: I originally had a PCP contract on a Volvo. The PCP was coming to an end so I went to renew for a new car. When I went for this, unbeknown to me, my credit rating had slipped so I was declined. In a panic, as I was going to be without wheels for work, the salesman asked if anybody would be willing to take the finance out on my behalf. Again, in a panic, I asked my brother to and he did not hesitate to take the finance. At the time of the sale, the contract
  7. Hi, I received a letter today from a debt collection law firm threatening CCJ action on behalf of Volvo/Santander for a voluntary termination of a vehicle. (I did request Volvo/Santander that a complaints procedure be started as I think the terms of the contract were miss sold but alas, they ignored me and went straight to CCJ action via a debt collection law firm!). I digress, the letter was addressed to me, it included my original signed contract, but, there was another document inside. This document was another hire contract with some other person details on it!
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