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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 en
  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'
  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
  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
  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 24
  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 a
  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 unscrupul
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