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    • Ok thanks guys for all the help & advice I think I will go the DRO option but will open a new bank account somewhere else first etc.  The only other things im little worried about is reading on the DRO it says about I wont be able to apply for credit but what about things like my car insurance as thats classed as credit paying it monthly Plus they say i must not have assets or car worth over £1,000 so what about things like my car worth around 2.5k and as said before when my father passed away he left me his camper that I cant part with its worth about 4k and what about things in house and jewellery etc ?? Can they come to house and check and so on
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    • Since the last post on this thread I have sent a complaint to the FOS but have not heard anything from them as yet either, I'm guessing they're rather snowed under and on reduced staff so no real surprise.   Still had nothing approaching help from lending stream but today they emailed me default notices for the loans, again demanding I phone them and pay up in full or they will begin court proceedings.   Any advice as to how I should proceed please?
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londonking

Car Repo threat - Help!

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I had a 5 year agreement with Carlyle finance for a BMW which ended in June. I have about £1,000 outstanding on a £10,000 finance.

 

They have passed it on to an external debt collecting company who keep calling me. They want me to agree an appointment for their agent to come round my house, look at the car, check the V5 and agree a payment plan for the outstanding amount otherwise they will have no option but to apply to the courts for Repo. i am reluctant to have this agent snooping round.

 

I have just recently in last 6 months ran into difficulties and just making sure my mortgage and council tax are paid.

 

What would be the legal position since 90% of the finance has been paid?

 

Also i had another 5 year agreement with Carlyle for £13,000 for a Mercedes and I paid that off in 1 and half years just recently. i did ask them to consider that I paid that off quickly and write off the £1,000 for this particular debt but they refused.

 

Any help appreciated.

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Anybody help on this? :-)

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To Begin With, They Will Need A Court Order To Repo The Car,

If They Went To Court You Would Agree A Payment Proposal With The Judge In Your Budget And Keep The Car

 

Any Penalty Charges On The Account

Any Ppi

Micky Mouse Insurance

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So basically nothing to worry about and just try an get agreement from this debt collector who I know to be CCM. Anyone heard of them?

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ccm

 

whats there name this dca

 

i would not allow any dca near your property or car

do every thing in writing

 

remember

a dca has no powers, only a court does

and get every thing and i mean every thing in writing

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the company who is chasing me is CCM

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Here is an update, would appreciate comments.

 

I just had a call on my mobile from a person representing Close Credit Management in reference to the £1,000 outstanding on car finance.

 

I told him I don't want to make an appointment with him to 'look at the car' and will deal with them in writing only giving a payment proposal.

 

He said they never deal with cases in writing and only face to face as they have 'qualified negotiators'. i asked him why do banks and credit card companies negotiate on the phone? His reply was 'it is not a secured loan with them'. i said well how am I able to have a payment plan for my mortgage arrears? He then said 'look let's deal with the matter in hand.

 

Basically he said the best option is for the court to decide on a payment plan.

 

This chap rang from a mobile phone as my mobile has got the caller i.d.

 

Sounds weird?

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it does sound wierd

 

the thing is any agreement is not binding as its not in writing

 

i wonder why?

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So do i just wait for a court letter?

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i would phone them up

agree a realistic repayment proposal

get them to confirm in writing what the balance is

how much a month

over how long

 

them saying its face to face contact is rollocks

they dont want this to go to court any more than you do

 

you could allways send them a repayment proposal and see what they say

 

but on your terms, not the dca

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They are not interested in discussing payments on the phone and only want face to face. What i will do is send a letter to them recorded with proposal and see what they say. At least it will show the judge that I am showing a willingness to come to an arrangement rather than Close Credit.

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Just would like to update you all on this. Just had a call from Close Credit(their call centre) banging on about the same subject. Saying they want to book an appointment blah blah. Told them they I will deal with them in writing only. Bloke turns round and said that I only have 1 option available and that is to arrange a meeting with their agent at any address in the UK. Sent him packing.

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