Jump to content

nigelmihell

Registered Users

Change your profile picture
  • Posts

    14
  • Joined

  • Last visited

Reputation

1 Neutral
  1. Hi Guys I recently return a car at the end of its lease to RCI. It was in pristine condition, so much so that I had to show the collection guy where it had been repaired (by the dealership) . .The wheels were repaired and two slight scratch all sorted ...Yet they want to charge me £600 I have of course told them to whistle. They are also trying to charge me the incorrect excess mileage charge .. . again I have told them to whistle .. . now they marked on my Experian and indeed Equafax file that the loan agreement was settle in full and closed .. .but I have now seen that they have reopened the account and having it showing the ancillary balance that they are arguing with me!!!? I cannot believe this is legal!? I have made up my mind to take this to court and show the court all the pictures I took of the car and the invoices for the repairs carried out to dealers standard .. plus they told me the car sold at auction for more than the balloon payment I would have made to them if I HAD KEPT IT!! To be honest no matter what happens even if it goes to court and by some miracle I lose ,, ,, on principle . .I will NEVER pay them again .. I just wanted to see if anyone else had these type of issues ? Cheers Nige
  2. @unclebulgaria67 ... thank you so much for this ..very helpful indeed ..much appreciated
  3. Hi There! I am yet again being harassed by a company call Premium Collections based in Altringham, Cheshire. They are threatening to issue Bankruptcy proceedings against me for a Credit card debt I have in Switzerland ..(which is now over 3 years old) As far as my research allows, its seems that this not an option they can take as British Courts would not rule over a Swiss Credit Card account and there are all no cross country agreements in place between the UK and Switzerland to even allow for that Does anyone have any thoughts or experience to either prove or disprove this?
  4. Thanks again Cerberusalert ...it is more than £750 ... but I have mad it clear several times that I will to pay them when and only when I am earning again ... this guys letters are so badly written and the country court threat doesn't event contain an actual court name or reference ... I am stunned a global bank is using this guy
  5. Hi Cerberusalert, My interaction with the one man band form Altrincham Continues ... today i recived a letter from Premier Collections that if i did not pay in ful in five days they would be issue a Bankruptcy petition here in the UK sat followed by a photocopied notice to apply for a County Court Claim ...both of which I am told by others only hold water on UK credit agreements ... I am tempted to call him and tell him I know he is talking rubbish .. but I guess I will just continue to ignore him and communicate with the company in Switzerland directly
  6. Hi Cerberusalert Thank you for your continued input .. As you say the odds of them being able to have a case heard in a UK court using Swiss law are pretty much in impossible no?
  7. Hi Gerson Thank you fo taking the time to write such an all encompassing reply. I want to check though ...what you have written is I understand all relevant in Switz ... but not as I understand it here in the UK??
  8. Ok ... thank you my friend!! I appreciate it ... I will continue to correspond with the Swiss Bank themselves .. and react if they themselves decide to take me to court! Which from what you say would seem a hard thing for them to do given its a Swiss agreement .. the main thing is that these Premium Collections bods in Manchester have pretty much zero power ...
  9. Interesting ... so basically what is happening is said Swiss Bank is simply trying to get my account of its books by passing my account to a guy that has (it would seem) no legal recourse in this country? I am very impressed with your knowledge base ... did you work in the industry in some form?
  10. Thank you again ... seems strange a major credit card company would go down the route of using a company such as this ... particularly when I have been in communication with them ... mind you , said card company is part of a rather large swiss bank that has not showered itself in glory recently with its decisions or trading staff ..so who knows !!?
  11. ^ You sir are incredibly helpful!! thank you so much for your help! I am as I said earlier happy to resolve this directly with the Swiss company , but I am definitely not inclined to deal with these awful debt collection companies .. I think I will just ignore what actually appears to be a one man band trying to threaten me with something his company can't do !!
  12. they are called Premium Collections ... as I said I am not sure that a Swiss agreement is valid in the UK and so therefor I am confused how they can hope to get a CCJ in this country
  13. ^ Thank you so much for the quick reply ... it was actually a Manchester based UK debt collection company in there letter that threatened to register this with the credit reference agencies ... which I could not understand as I thought they could only register UK consumere credit agreements ... I am frustrated by this as I have made it clear to the Swiss credit card company that I will pay them once I am working again ... and I am really not inclined to even deal with this UK debt collection company .. as I am not sure what view a UK court would take of a Swiss credit agreement anyway?
  14. I have a question, can you tell me if a foreign credit card debt can be registered on a persons UK credit file? I have a credit card debt in Switzerland , which I fully intend to pay when I get back to gain full employment and I have communicated this fact to them. However I recently received a letter form a UK debt collection company saying that if I did not pay in 5 days etc that they would register this debt on my UK credit file, which I don't see how can be true given it is foreign credit card
×
×
  • Create New...