Help with default removal - van finance

[postggj]

got the message to drop by

 

need some questions answered first

 

who is the finance co

who was the baliff co

very much doubt was a baliff, prob a repo outfit called country wide

when the suspended repo was granted, did you bring the account up to date

 

thy are in big trouble from what you have stated but need you to confirm my questions

[taximan]

Hi Postggi

I think it is a repo outfit, but not countrywide.

Am I ok to name them on here or should I pm you

[postggj]

its ok post everything

 

if suspect i will tell you

 

it helps others

[taximan]

Ok Finance co is adams & Sons finance, and repo is burlington credit,

[taximan]

And yes I complied with the suspended order in Jan 07, and brought the account fully up to date in September 08 year

[postggj]

well if the account was brought up to date then the suspended repo order is history

 

give me an hour while i check this lot out

 

if the car is repo, you will get back every penny plus a new car for free

 

its called recession of contract

 

done it three times so far

[postggj]

post up the agreement

[taximan]

Ok Will do, Not sure how to do it thou

[postggj]

to small

 

do again with out attached thumbnails or use the link to share photobucket

[taximan]

hope this works am struggling a bit with photobucket

 

http://i775.photobucket.com/albums/yy34/taximan14/adams.jpg

Edited November 29, 2009 by taximan

[postggj]

No Panic

 

Keep At It

[taximan]

think ive done it now, just edited the post above

[postggj]

Well Done On Photo Bucket

 

I Take It You Had Ppi Etc

[taximan]

Yes I did but cancelled it after the court case on the recomendation of the judge, I also claimed back the premiums that I had paid, perhaps thats why they are being awkward with me,

There is one other thing, the details on the agreement do not agreee with the details on the sales invoice, there is £1000 less on the invoice

[lordcrocket]

Hiya yeah i know what you are saying no problem to sticking to your rules sorry if offended in anyway

also theres this website might be some use to anybody

Screw The Bailiff

 

 

I had an encounter this week with some nice company

[postggj]

That Will Be Commission THE THOUSEND POUNDS

 

So You Claimed Back The Premiums

 

Was That With Interest At There High Apr

 

Was The Rebate Credited Back Into Your Account/ Do Statements Prove This/ Or Cash Rebate

 

Did You Then Sign An Agreement To Modify The First Or Any Other Agreement

[taximan]

Under the court order, I had to maintain payments of the monthly premium, which i did.

When I claimed the PPI, They credited my account with 1149.40( The arrears prior to Court) and paid the rest to me by cheque, inc interest.

No I didnt sign anything to modify the agreement as far as I can remember, although the payments since have reduced by the ppi amount.

[taximan]

The thousand pounds was the garage making out I paid a bigger deposit I think

[postggj]

Was The Interest On The Total Balance Of The Ppi Or Just The Remaning Balance They Sent You

 

 

As The Ppi Formed Part Of The Original Agreement, The Ppi Was Then Removed, A New Agreement Would Then Be Needed

 

Thats Another Nail In There Coffin

[taximan]

I have the letter in front of me from when they made the refund ,

 

the final paragraphs of it read

"Therefore without acepting any lability whatsoever,

we wil refund vthe premiums you have paid including interest,

the figure 0f £3346.94 is not correct as tis is the full mount of the premium

and interestshould the agreement have gone its ful term.

 

You have in fact made 32 payments of £69.73, which amounts to £2231.36.

To this we will add simple interest at 8% pa making a total refund of £2714.97.

 

We have cancelled the policy forthwith and your monthly payments are reduced to 308.34.

 

As yyour account is presently 2 payments in arrears we suggest that these are deducted

from the above figure before we send you our cheque "

[postggj]

No

 

They Repay You 22231.36

 

At 22.85% Contractual Interest

 

Not 8 %

[taximan]

Ah I see yes,, but its probably too late for that now after my acceptance of their cheque,

[postggj]

Did You Sign A Letter As A Full And Final Settlement

[postggj]

The thousand pounds was the garage making out I paid a bigger deposit I think

 

DONT YOU BELIEVE IT

 

WITH INSURANCE PPI ETC, THE FINANCE CO WILL SEND THE GARAGE A NICE FAT COMMISSION CHEQUE FOR THE CAR AND INSURANCE SALE

 

YOU THEN END UP PAYING FOR THAT COMMISSION

 

ITS ILLEGAL

 

WILSON V HURSTANGER AND INVALIDATES THE AGREEMENT ALSO

[taximan]

So it looks very much like this agreement could be invalid, what is my best course of action