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I've just been looking through all the paperwork I have from homebuy regarding the tv and video dvd combo we got from them in 2006.

The credit agreement for the tv was for a company called blackfriar ltd.

Who the hell are blackfriar??? Can homebuy chase me for any possible outstanding money if the agreement wasn't made with them?

 

All do homebuy have an obligation to provide regular account statements as we don't recieve them and when i request a statement they simply say they do not do statements.

 

Please help as they are ripping us off big time and i want to know where we stand with them!!

My opinions are my own and not those of anyone else :D

 

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http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/82443-homebuy-wanting-gf-sequestrated.html

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/130164-homebuy-tv.html

 

urm, these people sound like they no longer exist and are solely DCA owned debts and they are ripping people off.

 

there are sev threads also whereby CCA have been fired off and nothing further has been heard.

 

i'd do that i think.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I've done a little research and found out that they do exist although not as they used to.

Since the other threads were started on here the company has changed twice.

The last time was a management buy out.

 

We still have the collector come once a month to empty the coin meter.

Everytime i ask for a statement and everytime he just says i need to contact the office. The office are the one's who say they do not provide account statements. Want i want to know is... are they in legally obliged to provide regular staements and what can i do if they are.

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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The company that own it now are called Cobco 834 Trading as Everyone can buy with homebuy!

So do this company have a legal right to persue us as the credit agreement wasnt made with them

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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yes they will as they took on the co. assests i would assume.

 

i'd fire off a cca request as i bet there are holes!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Can you give us a few more details ben.

 

How much per week are you paying and what was the actual date you took out the finance?

Do you have the optional insurance?

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we are paying £28 per month. the agreement was taken out in nov 06 at a cost of £1800 roughly. over £300 of this was for maintenance vouchers which we have never used.

hope this helps.

I've contacted homebuy this morning and requested statements. They said its not a problem but they may take a couple of weeks. So all i can do at the moment is see wether they actually send them.

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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This warranty, does it say what it covers?

 

Was it explained to you when you took out the agreement what it was and what it covered, or didn't they mention it?

 

We might be able to claim all the premiums back on this.

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hte warranty was not really explained at all. All we were told was that we would get maintenance vouchers which we would have to use should the tv or vhs/dvd combo become faulty.

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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Sorry I need some info. I haven't heard of this system for donkey years and didn't know it still existed.

 

The collector comes and empties the box, does he take his £28 and give you the remainder or if there isn't enough, you make it up to £28?

 

You would only need these so called maintenance vouchers for accidental damage. Any other faults would be covered by the manufacturers warranty and soga regulation.

 

If you have household contents insurance you don't need them either as all accidental damage should be covered by that policy.

 

I think you should do as suggested by dx and request a cca (£1) or better still a sar (£10).

If they fail to send it to you within 12 days, the agreement is in dispute and you can stop paying.

 

When you get the information, you should be in a position to claim back for all these maint vouchers.

Edited by Conniff
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Sorry I need some info. I haven't heard of this system for donkey years and didn't know it still existed.

 

The collector comes and empties the box, does he take his £28 and give you the remainder or if there isn't enough, you make it up to £28?

You hit the nail on the head!

 

You would only need these so called maintenance vouchers for accidental damage. Any other faults would be covered by the manufacturers warranty and soga regulation.

What does this mean to us then?

 

If you have household contents insurance you don't need them either as all accidental damage should be covered by that policy.

 

I think you should do as suggested by dx and request a cca (£1) or better still a sar (£10).

I will be sending a cca request this week.

If they fail to send it to you within 12 days, the agreement is in dispute and you can stop paying.

Whats happens next then?

 

When you get the information, you should be in a position to claim back for all these maint vouchers.

 

 

Just so you know, I have requested full statements for the account (on monday) which i am still waiting for!!!

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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sounds like these maint vouchers are stealth PPI to me.

reclaim them + int

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

You would only need these so called maintenance vouchers for accidental damage. Any other faults would be covered by the manufacturers warranty and soga regulation.

What does this mean to us then?

 

It means that any damage is aready covered by your own policy so you have been mis-sold this insurance they call 'maintenance vouchers'.

 

If they fail to send it to you within 12 days, the agreement is in dispute and you can stop paying.

Whats happens next then?

 

They cannot legally chase you for any outstanding amount until they do send you the agreement.

This will give you time, if possible, to work out how much you have paid in rental purchase and how much in insurance. Do you think you can do that?

 

Just so you know, I have requested full statements for the account (on monday) which i am still waiting for!!!

 

If you don't get what you want, the next time the man calls, tell him that this is all one-sided and that you are sorry but you cannot allow him entry until you get your statements.

 

Does he not mark a book or collection card each time he visits?

Edited by Conniff
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I have had a look at the credit agreement and the maintenance vouchers are on their as being £315. This is plus the intrest at 60 odd %.

 

The collector gives us a printout of how much is owed that month and how much he has taken.

 

Other than that he (allegedly) has no idea how much is owed on the account.

 

I've heard of 'extortionate credit bargain' would this be a route worth considering??

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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Hi guys,

Recieved statements from homebuy this morning. Haven't seen them for myself yet but my partners had a look at them. She says they are a complete mess.

Would it be ok to post them on here for you guys to have a look at and see if you can make sense of them? (i'll remove any identifying info).

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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  • 4 weeks later...

**REMOVED**

 

Finally managed to get put CCA up. Would be grateful for any help.

Edited by ben1305

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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Share on other sites

postage stamp sadly

 

put it on photobucket then post the link

 

also all sides will be needed i suspect

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

hi dx, my partners just sorted it for me so you should now be able to view it ok.

let me know if you need the other side too and i'll get it scanned.

Thanks

Ben1305

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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I would be grateful if someone could take a look at this for me.

I have a couple of questions regarding this agreement but i'd rather not ask them in the main thread. Feel free to pm me if you are able to help at all.

thank you

Ben1305

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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has anyone got any advice as to whether this agreement is enforcable or not???

I'm desperate to sort this out now.

ANY help would be greatly appreciated

 

Ben1305

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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bump

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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Can ANYONE help with this as the collector has visited today (2 weeks after the last visit). Stating that there wasn't enough in the meter last time and that she needed tocollect the contents today.

I wasnt home but my oh was.

The collector stated that she will call again in 2 weeks to collect a months payment (there won't be a months payment in the meter as she emptied it today!!!!!)

We're getting desperate now and p*ssed off that they think they can bully my OH into letting them in the house.:mad:

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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The agreement is still a bit hard to read, but as far as I can make out, you took out the agreement in July 2005. So now it's July 2009, that makes it 4 year which is 208 weeks.

 

Your agreement says payment over 165 weeks which is just over 3 years.

 

If you have stuck to the agreement and not gone in arrears, then you have overpaid.

 

Do as I told you earlier, make no more payments until you receive a full statement of accounts.

You are entitled to this, so demand it.

 

Make you oh aware that he 'must not' let the collector into the house again unless you are there.

 

Do you have an address for the company receiving the payments?

If not, then get it from the collector, he must be passing the money he collects to someone.

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hi conniff, i've pm'd you

 

Ben1305

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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