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    • more detest the insurrectional ex variety dx
    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now. PS  Yes I meant to say that the keeper did not have a licence therefore it was wrong of them to assume he was the driver and the keeper. Thanks for picking that up.
    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
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Vehicle Finance - car repo'd , now Debt Sold On To Dca - illegal repo?


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Hi,

Had a vehicle on finance and defaulted in the last year of the loan.

The vehicle was repossessed but even though its value was more than was owed the finance company sent me a demand for over £2000.

Presumably the vehicle was sold at auction and was sold for less than it was worth

Didn't respond to the demand and didn't hear again for about a year or so.

The finance company finally made contact and again demanded payment.

I did respond but never paid anything.

About 6 months later I got a letter from a debt collection company to say the debt had been sold on.

They are now getting very pushy and I said I could only afford £50 a month and emailed a copy of monthly expenditure.

Have now received a letter asking for copy of wage slips, proof of benefits etc.

I have been reading on this site about others in a similar situation where debts have been sold on and the advice is to request copy CCA in most cases.

However, other cases studied all seem to be for bank accounts and credit cards.

Should I still request CCA for a vehicle finance loan?

Any help greatly appreciated.

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Hi Hogie,

 

Moving this to the General Debt forum where I hope you'll get appropriate advice.

 

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I'm sure that I have read read that if you had paid 2 thirds off the car agreement, then the car could not be reposessed. I'd do a search through the various forums, but hopefully someone may be able to confirm this.

 

Pete.

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That's what I was fishing for.

If you had paid at least one third of the total amount payable under the agreement then they needed either a court order or your consent.

If they had neither then you have the right to get back any money that you have paid under the agreement.

(In Scotland they may need to get a court order at any time).

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Thank you all for advice and support.

 

Paid off 3 years of a 4 year agreement. We were warned that veh would be reposessed if we couldn't pay so agreed that they could come and take it. But no written proof of this as all verbal.

 

If we had known it would be sold for less than its value we would have sold it ourselves and probably been able to settle all or nearly all of what we owed.

 

Am I entitled to ask for evidence of how much the finance company sold the vehicle for so that I can verify the amount of debt which was sold on to the debt collector?

 

Many thanks.

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Get a £1 postal order & send them this Recorded Delivery:

 

 

The Finance Coy

Address

 

Oct 13th 2008

 

 

 

 

Account No: 123456 CarCredit

 

 

Dear Sir/Madam

 

With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement and a full breakdown of the account including any interest or charges applied.

 

We understand that under the Consumer Credit Act 1974 [sections 77-79], we are entitled to receive a copy of any credit agreement and a statement of account on request. We enclose a payment of £1 which represents the fee payable under the Consumer Credit Act 1974.

 

We understand a copy of any credit agreement along with a statement of account should be supplied within 12 working days and that under the Consumer Credit Act 1974 creditors are unable to enforce an agreement if they fail to comply with the request for a copy of the agreement and statement of account under these sections of the Act.

 

We look forward to hearing from you.

 

 

Yours faithfully

 

 

Hogie (Dont sign )

 

Then chill a little & start counting 12+ 2 days.;)

 

Just re-read your last post - send the letter to the DCA.

  • Haha 1
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Thank you so much for the advice and support.Letter sent today.12+2 days and counting!!!

 

That's what CAG is about.

 

I'll be posting tonight looking for some help myself.

We learn a little & then pass it on.:wink:

 

Don't forget to confirm via the Royal Mail website that it has been signed for.They all have a nasty habit of never receiving mail.

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Thank you POSTGGJ for directing me to CAZ's story.

However, the CCA and statement request I have just applied for is in respect of a car that I gave back with consent because I could not afford the rest of the payments.

Sent my CCA and statement request 5 days ago.

Today have received a post card requesting that I telephone to arrange a personal visit from a representative.

Should I reply and remind that I have sent the CCA request?

Can they send somebody without having made an appointment?

Would appreciate advice please.

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i take it that this will be a welcome rep,

they dont do this unless they are woried over something

this smells like welcome dont have an agreement

also they may not have a default notice either

 

send them a letter saying that you will have no further comunication with them until they comply with your cca request

 

this visit, another tactic, is to re-wright the loan

 

they can bog off till they comply

 

did you get a default notice and how old is the agreement

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Thanks for replying so quickly POSTGGJ.It is *******who I am dealing with, the debt was sold on to them. The Agreement was with *** taken out in 2002 and yes *** issued a default notice.However I will send a letter as you suggest.Thank you.

Edited by Hogie
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I wouldn't reply - they could be sweating having received your request and trying to panic you.

Anyone can knock on your door but you dont have to answer.

Chances of them paying someone to call "on spec" are pretty thin.

If anyone calls then tell them you are awaiting the CCA to see proof of the debt.

Then ask them to close the gate on the way out.;)

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they dont do this unless they are woried over something

this smells like welcome dont have an agreement

also they may not have a default notice either

 

 

 

I wouldn't reply - they could be sweating having received your request and trying to panic you.

 

 

 

Great minds think alike postggj ;)

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OK so I won't reply. As long as they cannot make anything of the fact that I am effectively ignoring them. Have edited and removed names of the companies involved as I have just seen a warning that they are likely to read our threads. Paranoid or what!!!Thanks once more for the advice.

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You shouldn't owe them anything,you have paid enough off the finance agreement.If the car was sold for £1 once they had taken it back thats their probelm.Provided the car was in reasonable condition ie not a wreck.Unless they went to court and got a repo order? you will not be liable for any monies owing.

All commnication via letter don't talk to them on the phone.

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and screw the consumer again

same old story

i am in agreement with the chancellor on this one

it will be odds on that the finance company will have no info on returning the vehicle,

they would be more interested in the repo

cant comment any more until the results on the sar are back to confirm things

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Update - 5 days ago I requested copy CCA and statement from the people who bought my debt from original vehicle finance company. They have sent 2 things - a copy of the Hire Purchase Agreement Form which I and the finance co. signed and a spreadsheet list of payments made, printed onto their own headed paper.

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