Hillsden and yes car credit really need help please

[mummyemma]

Sorry this may be long. Quick overview we had a car with yes car credit which we handed back to them as was our right under our agreewment after half the term. Now yes car then chased us for outsanding PPI they took us to court and judge ruled that they needed to provide more information. So we took them to court for mis selling us the PPI now before it got to the court stage we both agreed that we would withdraw action and cover our own cost and they would remove all information from our credit file.

 

Now nearly a year on they still havent done this despite us asking serveral times on the telephone and them saying this will be done. Not only that they have registered a defualt against us and then sold it onto a DCA hillsden who have also registered a default against us. Now they are not chasing us for money but I want the defaults removed as they are incorrect and they have broken their agreement.

 

I know I need to write a letter and I am wondering if I can take court action against them but I have no idea where to start and who to ask for help. Any help would be gratefully recieved.

[42man]

Do you have anything in writing from them at all to agree to what was said...?

[mummyemma]

We have a letter from the court thats say they agreed to drop the case each bearing own cost. Thats all

 

Thanks

[Captain Spaulding]

The removal of the default should have been written as part of the terms. Without the evidence of the agreement I cannot see how you can get it removed

 

Anyone...?

[mummyemma]

The problem is that on my credit file it shows that I still owe them over £2500 which is not true cause it was agreed we would both drop the case. Sorry i probably wasnt clear. I just want it all marked as statisfied I dont care so much about the default but I would like that gone to

 

Thanks

[Captain Spaulding]

Does the written agreement state that the balance shall be marked as zero or closed?

 

If not then write to them (the creditor) and explain the situation and advise them what outcome you want. Can only take it from there....

[mummyemma]

Will write them a letter today and tell them what I want. Am i in my right to recommence action against them if they dont do what I want???

 

Thanks for your help

[Captain Spaulding]

Cool, get the letter sorted and get it in the post. Personally, I dont think negotiations start well with threats so I would not recommend to threaten action...

 

Give them the background, the outcome (what was then) and then what you want to happen now. Keep the letter simple, based on the facts and at this point - polite (theres plenty of time later)

[mummyemma]

Thanks for thank. I will try to be polite but as this has been going on for a long time am starting to get a little annoyed. I will gte someone to read my letter to check not impolite

 

Thanks

[Captain Spaulding]

Appreciate its been going on for a while, horrible whilst these things are outstanding (I know!!) but there seems to be a gaps that need filling at the minute, once they are filled then take the offensive!