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GARY68

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About GARY68

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  1. Hi all it’s been a long time since being on here but would like some advice from you lovely people as I’ve been out of the game for some years and not sure what legals have changed. my daughter worked for the nhs (north Manchester) and still does at a different hospital. Back in 2017-2018 she received many parking tickets which she hadn’t told me about but left in her glove box with the advice from other staff was told to ignore. now lately. She has received one after the other-on one occasion 12 letters appeared she is now worried and I would have adviced. T
  2. Hi Dickturpin I feel for you my friend as I have been in a similar debt situation with nram You will find that your going without and robbing peter to pay Paul all the time and when you make the payment the interest and charges will cancel all this out and indeed they will require more money I have had times when contacting there "customer care" they are totally unsympathetic and have myself been before a judge twice,firstly in your situation which I agreed an extra £40 a month and secondly when they brought me back in to claim more money, they lost this and the judge threw it out and as
  3. Ahh this one Originally Posted by : Dear Sirs Account No: XXXXXXXX ​On XX/XX/XXXX I wrote requesting a true copy of the executed credit agreement for the above account. In response to this request I was supplied an application form, a copy of which is attached, which did not comply with the requirements of the consumer credit Act 1974 (CCA1974). I would like a copy of the actual agreement. I appreciate that as per Carey v HSBC, a reconstituted agreement can be provided, however I am disputing the actual existence of such an original which means the Carey case is irrelevant as wit
  4. Hi Dx/fkofilee Thank you for your input, I've been searching similar threads and although it's been some years since I have put all mine to bed-albeit silenced anyway, I'm convinced this simply application form although has complied with the 77/78 we maybe able to keep the account in a dispute state and fend off the oc for a time, Getting my friends credit file may take sometime but to be honest looking over the last 6 months Debt is still with cap one after agreeing a monthly payment which he didn't miss the debt was passed to fredrickson for a more aggressive approa
  5. Hi unfortunately he has sent the last payment to fredrickson, after getting a threatogram from Bryan Carter I was hoping to put the account in dispute and go from there regarding any future payments and seeing off all collectors/phone calls etc, Can anyone please advise on the attached application form and where he stands now with enforceability with the Capital One letter he has received (attached in previous post) Regards Gary
  6. Hi All its been a long time since using this forum so if someone can help along the way than that would be great, My friend has got into debt and hes worried so i thought i would try and help with the advice i have received in the past, together i think we can assist hopefully, History information i have is that he is In debt for a capital One credit card -Now with interest and all charges adds up to over £8000, this was taken out in April 2002, he has gradualy made infrequent payments due to his financial circumstances and has recieve the usual default/su
  7. I dont know much about termination notices and been trying to find a good thread, but am i clutching at straws to assume that the Termination notice was delivered to me on the 8th Nov as the date of issue of court papers was the 7th November like i said not up on this ,
  8. Agreement, hope you can read http://i407.photobucket.com/albums/pp160/gary68/black%20horse%20car/agreementpg1001EDIT.jpg http://i407.photobucket.com/albums/pp160/gary68/black%20horse%20car/agreementpg2001.jpg
  9. Thank you Mould for your input I was hoping there was a fault on the Default notice but thought it was slim , if this were the case and the arrears at the time on page 2 of the default according to them would be £2,281.10....and i have paid more than they have accounted and the rest are arrears....and charges for court etc. Regarding the Agreement, i will post up but think its all above board
  10. Other documents available, Im worried about being stung here for a mass of charges that i will never payback, i m not a fan of Blackhorse or Scm and we have history, but can anyone tell me what my best options are, Firstly i have to fill in the acknowledgement form i think i have paid more than they are claiming, second what does this mean if i go to court do i give them the car and the figures claimed, or will the figures they are claiming be deducted after car sale at Auction etc.. Firstly Can i Defend Can someone give me any advice please i have a couple of days for the ackno
  11. last statement sent http://i407.photobucket.com/albums/pp160/gary68/black%20horse%20car/laststatement001EDIT.jpg Witness statement http://i407.photobucket.com/albums/pp160/gary68/black%20horse%20car/witnessstatementbh001EDIT.jpg
  12. Default http://i407.photobucket.com/albums/pp160/gary68/black%20horse%20car/default001EDIT.jpg Default page 2 http://i407.photobucket.com/albums/pp160/gary68/black%20horse%20car/defaultpg2001.jpg termination notice, arrived after court papers http://i407.photobucket.com/albums/pp160/gary68/black%20horse%20car/terminationnotice001EDIT.jpg
  13. http://i407.photobucket.com/albums/pp160/gary68/black%20horse%20car/poc001EDIT.jpg
  14. http://i407.photobucket.com/albums/pp160/gary68/black%20horse%20car/claimformbh001EDIT.jpg
  15. Hi All Advice needed please on to defend action by BlackHorse/SCM whom have lodged papers with court not sure how to approach this in the first instance so any urgent advice would be very helpful. First a bit of background needed, i purchasd a car back in June 2008 from a dealer on Finance, after a couple of months i missed a few direct debits and was late with some due to other financial difficulties but got back on track for a few months then again payments became a bit erratic, i paid some over the phone and eventual set a lower payment agreement up which was agreed then went onto fu
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