Car finance agreement

[littlefatbudha]

Please could somebody look over these agreements for my car finance, as i think they are now starting court proceedings,thankyou

Edited August 10, 2009 by littlefatbudha

[42man]

The first sheet says 'pre contract'.....is the document unsigned ? Also did you check the default notice ? was it compliant ? dates ?

[littlefatbudha]

There has been no default placed on Experian it only states that i am 4 payments late, i have just paid £150 of arrears and have sent two letters asking to come to a payment deal and to freeze interest etc, to which they have not replied.

This is the copy of the agreement i was given on the day at Evans Halshaw.

Do you think i should send SAR for original agreement

Edited August 10, 2009 by littlefatbudha

[42man]

The default notice looks ok to me they have given you 17 days to remedy....

[littlefatbudha]

would it be worth sending for credit agreement to make sure eveything is ok with it, as starting to worry now ?

[littlefatbudha]

Hi there, have been looking at the Default letter, should this not have their name and address on this paperwork, and if so , woiuld it be invalidated due to this,please help.

Edited August 10, 2009 by littlefatbudha
to upload default notice

[postggj]

if the default notice is defective, it opens up all doors but only works in court

dont tipp them off

 

can you repost the default notice , it keeps saying

 

attachments pending approval

[littlefatbudha]

Dont know why it is doing that, will try again

default 2.pdf

[postggj]

same again

 

can you post using photobucket

[littlefatbudha]

not sure if i have done correctly

Edited August 12, 2009 by littlefatbudha

[postggj]

got it

 

ill have a look

[littlefatbudha]

Thanks.

[postggj]

well no creditors name and address

certain parts need to be underlined like

 

BEFORE THE DATE SHOWN NEEDS TO BE UNDER LINED

 

ILL DIG OUT THE RELEVENT THREAD FOR YOU

 

DEFAULT NOTICE IS CRAP

END OF

[littlefatbudha]

So does this mean if it went to court, do i take it they would not be able to carry out repossesing car etc, i have had letter this morning saying agreement terminated, can they terminate agreement with invalid default notice ?Steve

[postggj]

http://www.consumeractiongroup.co.uk/forum/legal-issues/170345-tale-dodgy-dn.html

 

SAY NOTHING TO ANYBODY

 

ONLY WORKS ONCE COURT ACTION HAS STARTED

 

NOW HOW LONG HAVE YOU HAD THE CAR

HOW MENY PAYMENTS HAVE BEEN MADE

 

ITS IMPORTANT

 

AS A TERMINATION NOTICE HAS NOW BEEN ISUED

ALL THE BETTER

[littlefatbudha]

I will upload all recent docs regarding this, give me 10 mins, further details, i have had agreement since sept 2007, and i have paid over 1/3 just, hope this helps.steve

Edited August 10, 2009 by littlefatbudha

[postggj]

Even Better

 

Keep It Comming

 

I Like Things Nice And Easy

[littlefatbudha]

 

 

 

 

 

 

Edited August 13, 2009 by littlefatbudha

[littlefatbudha]

Hi there, sorry it took so long,hope these are ok,thanks.Steve

[postggj]

They Will Need A Court Order To Repo The Car

 

Dodgy Default Notice

 

Its Looking Good

 

Let Me Know What The Solicitors Say

 

Say Nothing About The Default Notice

 

Thats Your Ace In The Hole

[littlefatbudha]

Hi there, what should i do about payments etc,i have read dodgy default notice, and should i follow suite,as the agreement is now terminated ?

Thanks,Steve

[postggj]

The Dodgy Default Notice Only Works If They Put In A Claim In The County Court

 

Dont Tip Them Off

[littlefatbudha]

No worries about that, what should i do re payment,if i can pay anything,that is?

[postggj]

Its Up To You

 

As They Have Now Terminated The Account, And Defaulted It

 

I Would Say Go And Swing

 

But Thats Me

 

If This Went To Court All You Would Be Liable For Are Any Arrears Up To The Default Notice

 

Pay That With In 30 Days And No Ccj

[littlefatbudha]

Only the arrears up to DN ?, what about the arrears that will occur after the date of the DN up to court date ?.

Do you think at looking at the letters i posted, i would have a good chance when it goes to court, sorry but i am a bit of a worrier, and quite new at all this,thanks.Steve