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About skintandbroke

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  1. Hi Apologies for hogging someone elses thread, but in response to your question Unitedfront, I did write to the original company in February 2007 requesting copies of the credit agreement etc. They responded to me in March 2007 and then I wrote back to them requesting further information (see next paragraph) in March 2007 and never anything back from them at all. The account was then sold to one other company who sent some nasty letters but the debt was not acknoweldged and it has since been sold to Buchanan Clark and Wells who say they will come round to the property, and up till now we have ignored their letters as we still haven't had the issue cleared up from the original company. The issue with us is that we missed a few payments on a vehicle which was repossessed, and sold to someone else - i know this because it's being driven in our area. The credit agreements clearly state that the overall finance is for £7k, and we paid off almost £4k. However, the credit contract says that if we have paid over £2388, then the vehicle could not be repossessed without a court order or we will get all of our money back. So I wrote to them stating this, and asked for a copy of the court order and said that the vehicle has also been re-sold, so I believe according to their paperwork that they owe us the money, and that's why we haven't heard from the original creditors since. I don't think the new company is aware that I have written this to the original one but don't think I would get anything back from them. Many thanks in advance for you assistance.
  2. Hello I'm new to this thread but just thought I would say "well done" (or whatever else is appropriate) in relation to the letter from AK confirming the account is now closed. I came on here for some advice on whether my account was statute barred - and having read your discussions above, I believe it is, and am now sending a copy of letter M (from the templates page) on the expiration of accounts under the Limitation Act 1980, and also a letter informing the collector that a personal visit is not granted too. However, just to be sure that I am correct in this, would someone kindly give me a simple yes or no answer in relation to my situation please:- Default activated in January 2004 Default on credit file 16th March 2004 Last payment made on 24th March 2004 vehicle repossessed May 5th 2004 Default removed from Credit File March 2010 Still being chased for payment July 2010 My case is definitely statue barred isn't it? Many thanks in advance for your assistance Skinty
  3. Thanks for your help. I'm happy to go with option 4. Cheers
  4. lol - we redirected with the post office - just didn't tell new owner
  5. Hello I'm sorry if this subject has been tackled on here a trillion times, but i'm having issues with the lovely Cabot. A good few years ago they wrote to me informing of an outstanding debt for a store card. I sent the SAR and heard nothing from them - nothing infact for possible 3 or 4 years. However, recently they have started once again to send letters to me in relation to this account. I began printing my credit reports in April 2008, and none of them have details of this account on them. The letters from Cabot are becoming quite threatening and nasty now. I've since moved house, and as far as i'm aware the new owner doesn't have a forwarding address. Can anyone advise what to do please? I don't want to contact Cabot and tell them that there's nothing on my credit report because I don't trust them to leave it at that! Thanks very much skintandbroke
  6. Hi I went to Salford County Court, but can't remember the Judge's name without referring to my papers which are at home.
  7. Hello Well, to cut a long story short, there'd been a massive mix up with the papers and 3and a half claims have been settled. Went back to court this morning and sat with a Judge, no rep from [problem]/ Lloyds turned up because it would appear that they believe all 4 cases are closed, but the Judge and I agreed that one was still open. Anyway, the Judge explained to us that he is actually in favour of the banks, and had we not have already had 3 claims settled then it was very likely that he would've thrown the case out! PHEW to early settlements is all I can say!!!! Anyway - he's going to get the paperwork sorted out and inform [problem] / Lloyds that case no4 is actually still live and not closed. I have sent the part payment letter to LLoyds and am awaiting a response. I hope they settle in full before the next court date, because if they don't then my case will be thrown out and i don't want that - obviously! Will keep you posted!!
  8. OH, Recieved 4 refunds now, for 4 bank claims, but [problem] refer to the court reference number and not the account number, but when the court gave use the papers with the reference numbers on they didn't link them to the account numbers either, so we don't know which accounts have recieved what amount. Does that make sense? We need to contact [problem] and see which accounts received which refund, as altogether the refund money is about £1,500 less than what we ask to claim back. Why is it such a long drawn out process? Will keep you posted as/when things happen. Cheers
  9. Hi Sanpez I was in a similar situation to you, and didn't receive the response from Lowell witihin the time period, so I wrote to them informing them that they had committed the offence and they could chase me through court but as their fine would be 5x more than what they were chasing, it really wouldn't be in their best interests. I never heard anything back from them at all, but then I checked my credit report and found there was a default on there, so I wrote to them asking them to remove the default, and copied my previous letters and within 7 days they wrote back saying the default had been removed and the alleged debt was closed off. Therefore, stick with it - they know the law and rights etc, and although they are aboslute ar****les in what they do - they should sort it out for you in the best way possible because obviously they want to continue trading and making people's lives further misery. Good luck anyway, but do give it a go.
  10. Thanks PatD and Gallen for your comments. They have the car back and are repairing the damaged parts, and will return it to us when this is done. It took a bit of disputing to get this far, but glad we read up on trading standards site - and quoted them the law!! Cheers Pat for answering Gallen's points, no MOT isn't the same as unroadworthy, and sold as seen means nothing at all if a dealer willingly sells an URW car. Anyway - we're getting there now and should be able to use our new car soon. Thanks again, your help is much appreciated. Have a good bank holiday
  11. PS does 'sold as seen' allow the car to fail MOT on 7 counts some of which are illegal??????
  12. Hi Please help as soon as poss - having problems as we speak!! Impulse buy of vehicle yesterday - reduced price by dealer by £300 for MOT and Tax. Went for MOT today, it failed on 7 items. Was advised by garage not to drive it - some things are illegal (they say). Contacted the dealer we bought car from. He said that the invoice said 'sold as seen' and 'no warrenty' (their spelling!) and that a refund cannot be offered. Was told by dealer that if we returned it to them (over 50 miles away) that they would give it an MOT. Now,(a) as the vehicle is not roadworthy we should not drive it. (b) there is no tax so do these two combined invalidate the insurance that i got yesterday?- and paid in full for the year © Do we have to get it repaired where they say, or do they have to get it repaired (MOTd) at a garage of our choice (they said they will pay for the MOT - as long as it less than the £300 they reduced the price for. (d) are they able to refuse a refund within less than 24 hours of selling? Please help as we need to contact this garage/dealer soon. Cheers for your help
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