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Everything posted by fightingthefight

  1. Complete communication silence from both parties now.....
  2. No response from ccp about the 30 day hold on the account either. Last update the dca had from ccp was 14th January also....
  3. Yes, sar's are in.... No response from ccp acknowledging the request, dca have confirmed receipt of the request.
  4. Never received it as it was sent to a previous address but they have ignored requests for a copy. I complained about the bill of sale being incorrect, that is the only official complaint I lodged, and the only one that had received a final response
  5. Have tried to reach a settlement but they are ignoring all communication, refusing to reply or even acknowledge complaints /offers. To be fair to the dca, they've been more than helpful and have placed a hold on the account their end and are trying to get info regarding the default notice, but they haven't received anything back either. Ccp have said to the dca that the default notice was issued in January last year when in fact it was August this year, and there were definitely no default notices issued before that. Made an sar with the dca also which they are more than happy to
  6. Yea I understand what you mean, but the difficulties with paying etc didn't arise until July, everything was grand up until then. Its just strange that with chartsbridge usually being quite prompt in replying, they've done the same and blanked me when I highlighted the issues with the default notice, and ccp giving them wrong information.... Will submit a sar for sure...
  7. Thought I'd give this a bit of a bump, car cash point now refusing to reply to emails, complaints or return calls. Also refusing to supply me with a copy of the default notice, the sar and refusing to acknowledge the fact that they are duty bound to place an account on hold for 30 days when I am in discussion with a debt help organisation. Bit the bullet and rang chartsbridge. They've placed the account on hold whilst I speak with the debt advisor etc...bur here is where it gets interesting... They contacted ccp who were quick enough to reply to them, despite ignoring
  8. But they can't take it from your drive? Nor move another car that would be blocking the car in question in? And would it need to be a paper stamped copy of the bos? The guy that called at my house only had a tablet he left before I even had a chance to ask for the bos
  9. Sorry for the delay, will get my bos uploaded as well as the credit agreement in the morning. I received an email from advice ni regarding the account and the bos and they said if there were errors on the bos there would be grounds for complaint and also that if I advised ccp and chartsbridge that I was in discussions with them they would have to place a hold on any activity for 30 days. I emailed ccp this morning and cc'd chartsbridge into it, stating that I was in discussions with a debt advice company regarding the account and as such requested that they put the acco
  10. My understanding is that bills of sale aren't regulated hence they say they can repossess, but does the fact that its tied in with a regulated agreement not make a difference?
  11. I don't mean to pipe in,, but surely, regardless of what instructions they're acting under, the dca is still bound by the fca's rules?
  12. Many thanks dx, will have a good read at it. Will get loan/bill of sale documents gathered up also.
  13. Yea I thought that.... Good luck to them trying to repossess the car though
  14. Hi all, I am yet another victim of these vultures. To cut a long story short I fell foul of repayments and the account subsequently defaulted... It was a mixture of severe stress, mental health issues relating to the pandemic and relationship difficulties. I didn't receive the default notice which was issued in September as it had been sent to a previous address, I contacted them apologising and have made several offers to try and rehabilitate the account and get back on track, to no avail, they refuse to accept any form of payment plan but are demanding an extortionate settlement
  15. car cash point LBL - Burlington/Marstons wants car Urgent help _ Live in NI - Page 3 - Log Book Loans / Bills of Sale - Consumer Action Group Hi Melissa, I'm pretty much the same boat as you, they refuse to accept any form of repayment plan to get the account on track, now refusing to acknowledge emails. My bill of sale states the Apr rate rather than the annual interest rate, also incorrect details on the schedule of goods. A fella from chartsbridge called at the house with some random punk in a flat bed truck... Told them the bill of
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