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mysticf4lls

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About mysticf4lls

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  1. Thanks Guys, went to the council offices yesterday to sort out this years liability, have extended the payments over 11 months. They confirmed that my payment date is the 28th, I queried why I had received the 7 Day notice early?! They advised that the letters are automated and will look into the matter as they agree, letter should not have been received before due date. With regard to the ongoing complaint they have written in response to my MP letter and confirmed that SCS have denied any misconduct and state that SCS Bailiff never threaten 'forced entry' and I called the EA to make payment. Have given them all the evidence showing that Bailiff called me whilst at work, stated dates and times (47 calls in the space of 1 hour from EA to my mobile), included printoff of the threatening texts. stated call times to SCS offices and asked them to listen to the call recording where SCS operator also said they had a warrant to force entry and call time to Police with authorisation to access the 999 recording of my call or transcript She advised that the council has taken the position that SCS acted as instructed and at no time were they aware of the vulnerability of the customer and SCS are trained to ascertain this. My employers and GP have also submitted statements to the council. Was told that this is above the advisers pay grade and to continue to discuss through my MP. Asked that they check the notes on my husband and my file which clearly state my husbands condition, she confirmed that my husbands condition is detailed but is not classed as a vulnerable adult. What constitutes as a vulnerable adult? Council adviser said the she is no qualified to make that determination.
  2. Thanks brassnecked, Am going to the Council Offices on Wednedsya to discuss and apply for Council Tax Reduction, however I think my income will go against me as I earn £23.5k per year and my husband is only entitled to the National Insurance Credit of ESA and no payment. All the online calculators come back with no entitlement other than applying for PIP which we both have done and are awaiting assessment with CAPITAR
  3. Thanks Uncle Bulgaria, My MP has written to the council and Swift regarding they conduct and has also raised a complaint with the Local Government Ombudsman as Sift were working under instruction fro the Council. Have forwarded the letter received yesterday, it's just that they expect £1334 in one month from myself and my husband knowing that I am the only person working and that my income is circa £1400 per month.
  4. Update .... Yesterday received a Default warning from Swansea Council regarding this years council tax (2017-2018). They are demanding £124 payment (1st payment within 7 days) or they will pursue court proceedings in respect of this years liability. How can they act in such a way that is causing more harm to myself and my husband?! They got £1210 by force at the beginning of the month, I have had to rely on a food bank just to feed us this month as they have left me with no money to pay other essential bills and now they are threatening to take this years liability to court when it's not even the end of the month?! Am going to go and see them on Wednesday but any advice on how I deal with this would be much appreciated.
  5. So keep the information to myself till I get the results of the SARS request and if it turns out that the dealership hid GAP and RCI failed to disclose then take it up with FOS?
  6. Thanks DX, I have a sneaking suspicion that the missing £399 is GAP insurance as it was offered to me in 2014 when I signed for the car but declined to take it as the car was 2 Years old at the time of purchase. Have sent a SARS request to RCI to confirm my suspicions. If it is in fact GAP then what are my options as I have no paperwork relating to GAP insurance and there is nothing in the Pre Contract or Agreement other than the discrepancy between the sales invoice and the amount financed. Looking at the leaflet that was supplied 3 Years GAP was £399.00 and 1 Year GAP was £310.00, hence why I have a sneaking suspicion that GAP was added to the Finance amount without my knowledge. Is it worth my phoning to see if dealerlship or RCI will email with their Sales Invoice to ascertain this information more quickly?
  7. Thank DX, Anglia UK suggest a NWNF sol to take a look into it
  8. Hi Dx, When did I say I was cancelling the whole deal? I said the following in post 10 Update.. Guy from Anglia UK came this afternoon. Got to say the guy was a true gent and understood my pedictament and could not believe RCi behavior especially as he was sent to get me to voluntarily surrender the vehicle and waiver my rights. I gave him copies of the letters sent to RCI stating that I will not give up possession without a court order. He advised that I make sure the car is on private property as RCI may push their luck. He went through my HP agreement and explained my rights, he was ex police and had his fair share of dealings with unscrupulous Creditors. Will have to post up my Agreements and other Documents on Monday as he noticed an issue with my HP agreement. The values don't match the sales invoice. The values on the HP are more than the sales invoice I.e the part ex of my previous car has not been deducted. Also the default notice has incorrect amounts I.e payments etc What can i do regarding the incorrect amounts on the agreement as this would make the interest and total to pay less than what I am paying? The guy from Anglia also suggested getting a no win no fee sol to look at the documents also. Is this worth doing as I have legal cover with my home and car insuranceicon? Thanks for all your help so far, very much appreciated �� That's why I posted up the documents and question regarding the mis-matched figures on the HP agreement.
  9. Ah Ok Dx, with regard to the difference of figures from Sales Invoice, Pre Contract and Credit Agreement where would I stand with that and RCI?
  10. Hi Dx, What do you mean repo fee? I still have the vehicle, no repossession has taken place.
  11. Hi Guys, Attached are the copies of all documents received to date, I have high-lighted the relevant areas: The 1st page is my original sales invoice for £7425.00 (£7825 - £400.00 part ex) On the 2nd page is my pre contract information: Total Amount of credit £7824.00, Total to Pay £10643.48, Cash Price £8224.00 . There are 2 interest rates of 15.14% and 17.28% not sure which one is applicable On Page 5 is my HP Agreement: Total cash price for goods £8224.00 less cash deposit / part ex £400.00 Amount of Credit £7824.00 plus Interest 2472.48 Finance Facility Fee £198.00 Option to purchase £149.00 Total Charge for credit £2819.48 Total Amount Payable £11043.48 My observations so far are as follows: The Cash Price for the vehicle should have been £7825.00 not £8224.00 and after Part Ex £400.00 should be £7425.00 not £7824.00 The Pre-Contract states Total to Pay £10643.48 however the Agreement states Total to Pay £11043.48 By using a loan calculator 7425.00 at 15.14% APR over 4 Years is £9765.25, Interest 2340.25 plus £198 (Finance Fee) and £149.00 (Option to Purchase) comes to £10,112.25 & 7425.00 at 17.28% APR over 4 Years is £10111.98, Interest 2686.98 plus £198 (Finance Fee) and £149.00 (Option to Purchase) comes to £10,458.98 My question is what was the total amount of Finance was it £10643.48, 11,043.48, 10,112.25 or £10.458.98? On Page 11 is my Default notice for the arrears of £858.04 and Page 12 shows the breakdown and 1/3rd clause: Total amount payable £11,043.48 Total amount that you have paid £6247.26 Less rebate allowable* £376.16 Total amount to be paid £4420.06 However on the 6th October I received the last page accepting my post termination agreement Outstanding Balance £4,504.71 to be paid in £240.00 installments. The Outstanding balance has increased by £84.65. No breakdown provided as to how they arrived at this amount. I have paid 5 payment of £240.00 equaling £1200.00 my understanding is that my outstanding balance £3304.71 however I have been advised that the balance is £3156.58 by Anglia UK. Hope this isn't information overload, but there seems to me and to Anglia UK that there are a number of errors in the HP agreement and tbh I'm am now unsure as to what the amount of credit was and what is actually remaining to pay. RCIInvoice2PostTerm.pdf
  12. Thanks guys. Feel really stupid for allowing them to extort money from me, but at the time was terrified for my husband and the dogs. I totally believed what was being threatened and with it being a rental property was in fear of them forcing entry and having to explain to my landlord. Met with my local mp today and he is disgusted by the actions of the bailiff and council and is writing to both parties in formal complaint. He is also going to sort a reduction in Council Tax in light of my situation and apply for a refund of all bailiff charges etc He has also arranged for the police to take a statement and requested details of the dog handling unit. Will keep you updated. P Need to draft letters to Swift and council myself over the weekend to support the mps letters.
  13. That would be great. Thanks dx Will upload the documents on Monday when I'm back in work
  14. Update.. Guy from Anglia UK came this afternoon. Got to say the guy was a true gent and understood my pedictament and could not believe RCi behavior especially as he was sent to get me to voluntarily surrender the vehicle and waiver my rights. I gave him copies of the letters sent to RCI stating that I will not give up possession without a court order. He advised that I make sure the car is on private property as RCI may push their luck. He went through my HP agreement and explained my rights, he was ex police and had his fair share of dealings with unscrupulous Creditors. Will have to post up my Agreements and other Documents on Monday as he noticed an issue with my HP agreement. The values don't match the sales invoice. The values on the HP are more than the sales invoice I.e the part ex of my previous car has not been deducted. Also the default notice has incorrect amounts I.e payments etc What can i do regarding the incorrect amounts on the agreement as this would make the interest and total to pay less than what I am paying? The guy from Anglia also suggested getting a no win no fee sol to look at the documents also. Is this worth doing as I have legal cover with my home and car insurance? Thanks for all your help so far, very much appreciated
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