Thanks, will tell them that on the next phone call that they are charging me twenty five pound a time for!!!

[ATTACH]7370[/ATTACH]Could you please advise what i do now?

Thanks Have composed a letter stating that after receiving the Statement of account from them I am not making any more payments or taking any more phone calls from them regarding this account until they comply to my request for a CCA, as their statement does not acknowledge that second agreement made by them, therefore the balance owing is considerably more. Thanks will keep fingers crossed

If they have to go to court then thats fine I can do that i have all agreement etc and receipts for all payments made. Last post if you can confirm that they have to go to court in order to seize my car!!! Thanks in advance:smile:

Mr.ton, sorry but im not sure where you are coming from here, the first agreement was signed by me in their showroom when purchasing a car., after not being able to keep up with the finance agreement i negotiated a second agreement with them in full payment (which was considerably less) still secured on the vehicle. Now i have defaulted on this agreement the statement that they have sent to me appears to be the amount owing from the first agreement and they do not acknowledge the second agreement anywhere within the statement. None of this has been done through court so i really dont know where i stand:confused::confused:

Anyone?

Their statements confirm what i have paid Im not explaining this very well this is why its confusing My original debt with welcome finance was for a greater amount that £5400 but due to problems in work etc I managed to get them to agree that 36 payment of £150 which is £5400 would clear the debt in full, but i only paid 31 payments. Because i defaulted on the 36 payments have they got the right to re-enforce the original amount?

Thanks I am going to send of the CCA tomorrow, what i need to know is if they send back the original agreement, and say that the second agreement i made with them in order to clear the debt is invalid as i didnt pay all of the 36 payments as promised do they have the right to reinforce the first one?? This is where i am confused:confused:

What worries me is that this agreement was for 36 consecutive payments as i didnt do 36 only did 31 can they then come back with the original debt?

CCA them? is their somewhere on here that i can find out how to do this?

Hi On the 01/09/2005 made an agreement with Welcome Finance that they would accept 36 consecutive payments of £150 as payment in full of a hire purchase agreement no 1523039. which is £5400 - luckily i kept of copy of this agreement as they lost theirs!! I managed to pay 31 of these payments then defaulted. leaving a balance of £750 When welcome finance contacted me about this they said I owed them £3,585.97. I made another payment of £150 at this stage and asked for a statement of account to be sent to me as i disputed the amount. To me the balance is £600. I have received the statement and they never changed the amount owing at the 01/09/05 when i made the agreement with them so in their eyes i still owe £3585.97 as they have the amount totally wrong and I still have the agreement that I made with them am i still liable for the difference? If not how do I go about this???? Any help would be appreciated as I have to ring them on wednesday with further payments. Thanks Shaz:(

It worked Settled in full yesterday :) :) :)

It Worked Settled in full yesterday :) :) :)

Thanks everyone, i feel a bit easier now Fingers crossed then !!!!!!!!!

Thanks I am a bit confused over one thing. The court gave us until the 17th January to provide all parties with any defence they would be using, so i sent my bundle of to the court & barclays, but i have received nothing from Barclays at all. does this mean that they will just use the defence they entered previously? shaz

I really do hope your right as i dont fancy my chances in court Thanks:mad:

Hi I have had my court date, its the 1st of Feb, have sent off the court bundle etc as best i could as to be honest i dont understand it!!!! Have heard absolutely nothing from barclays since they offered me £105 right at the beginning. If i do end up in court i don't think i stand a chance Help please!!!

Well it all went quiet, so i ploughed through them and hopefully sent off what i thought was relevant. My court date is the 1st of february and Barclays had until yesterday to provide me & the court with any defense also. I have received nothing from them does this mean they will just use the defence form that they sent before? Advise please

Well it all went quiet, so i ploughed through them and hopefully sent off what i thought was relevant. My court date is the 1st of february and Barclays had until yesterday to provide me & the court with any defense also. I have received nothing from them does this mean they will just use the defence form that they sent before? Advise please

Decided im totally blonde now, do ant of these pages make sense to anyone , im really worried that if i do end up in court i wouldnt have a clue where to start with them, also i dont want to include anything that isnt relevant as ill just look daft!

Thanks for that, ive just had a look at it and to be honest i havent got a clue where to start!! im ok with copying my statements of charges correspondence etc but looking through all these pages non of them make any sense to me at all, how do i work out which ones are relevant? sorry to be blonde:)

Finally got a court date!! 1st February, just going to try and fill in this basic court bundle has anyone got any tips as this looks well confusing?

Thanks for that will wait for the dreaded paperwork to appear Shaz

Defence now entered, not heard a bean fron them, i was at least hoping they would have tried to up the offer!! am i right that i now need to find another £100 when the paperwork comes through? Shaz

You were right they acknowleged on the last day!! awaiting the defence now.