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pembsdai1

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Everything posted by pembsdai1

  1. Hi, I'm trying to contact on:line finance regarding an HP taken out in 2001 that ended in early 2003. The website just says that they're now part on GMAC and just gives an email address. I've emailed asking for the postal address for the part of GMAC that now deals with on:line finance cases but haven't had a response. Does anyone know where I should be writing with an SAR request. Thanks for your help Dai
  2. Sorry to hi-jack but was just wondering how i get hold of on-line finance - i want to send an SAR to them but I understand they've become GMAC. I've looked on GMACs website and have no idea where to send the SAR to, I dont want them to use the excuse that i posted to the wrong addess. Any help would be greatly appreciated. Regards, Dai
  3. Thanks for that. The debt has been sold to a company called DLC i think, my brother is currently paying around £50 a month to them. What letter should i send to them, is it the one under section 77-78 of consumer credit act 1974? and should i send to the new owners of the debt or the original hp company -who I know have changed names at least twice since 2001.
  4. Hi all, My brother bought a car on hire purchase 5 years ago for £7k, unfortunately after he had a few problems it was repossed a year and half later. Since then he has been sporadically made payments to different debt collectors chasing him but he has told me the debt is still more than £6k. I know for a fact that he paid more than £1k to the original hire purchase company and since it was repossed he has paid almost £2k to debt collectors. How can they be chasing more than £6k?!! I've looked through all his documents and he has nothing relating to it apart from a couple of chasing letters from debt collectors. To help him, I want to go back to the beginning and try and get hold of the Hire Purchase agreement - to do this, do I need to write to the original company or the debt collector? What letter should I use, is it SAR letter with a £10 fee? If they are unable to provide a copy of the agreement does that mean they are unable to enforce the debt? I really want to help my brother get this off his back and I can't see how it can be fair that the debt is only a few hudred pound cheaper, considering all that he has paid and they must have received a few thousand for selling the car. Therefore I would be greatful for any help at all. Thanks, Dai
  5. Hi all, I really hope you can help. After going a bit OTT in university, i've recently got an ok job and have been trying to sort out my debts. It had been going quite well until I had some more bad news today. Before I sold my car to save money in May 06 I received a £45 parking ticket, it was a bit harsh as the car was outside my house and a couple of months earlier we had checked with a trafic warden that it was ok to park there. I didn't pay the ticket and as my car was registered to my parents address, a bailiff from Swift Credit turned up there today to claim fees of £170 made up of the £45 original fine, 2x £25 admin letters and £75 for todays bailiff. I recieved a letter from the court back in June saying that I had to pay £45 but being absouletly brassic and having other companies chasing me for money I was stupid and ignored it and hoped it would go away, which i thought it had until today. Swift say they sent 2 letters over the past couple of months but I have not received them (they had my parents address and trust me i would have known about it if they'd received them). I accept that I should have just paid the fine even tho i had misleading advice from the trafic wardens but now I have no chance of paying £170; therefore i was hoping someone could give me advice on how to avoid/reduce the charges that Swift have added. Thank you D
  6. Hi all, I really hope you can help. After going a bit OTT in university, i've recently got an ok job and have been trying to sort out my debts. It had been going quite well until I had some more bad news today. Before I sold my car to save money in May 06 I received a £45 parking ticket, it was a bit harsh as the car was outside my house and a couple of months earlier we had checked with a trafic warden that it was ok to park there. I didn't pay the ticket and as my car was registered to my parents address, a bailiff from Swift Credit turned up there today to claim fees of £170 made up of the £45 original fine, 2x £25 admin letters and £75 for todays bailiff. I recieved a letter from the court back in June saying that I had to pay £45 but being absouletly brassic and having other companies chasing me for money I was stupid and ignored it and hoped it would go away, which i thought it had until today. Swift say they sent 2 letters over the past couple of months but I have not received them (they had my parents address and trust me i would have known about it if they'd received them). I accept that I should have just paid the fine even tho i had misleading advice from the trafic wardens but now I have no chance of paying £170; therefore i was hoping someone could give me advice on how to avoid/reduce the charges that Swift have added. Thank you D
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