Daniels Silverman and the Stuart Darling

[blackgloves]

EDIT: DANIELS SILVERMAN (sp error in title)

Feels like im always complaining, but this time its SERIOUS

 

In the summer of 2006 my mum got Stuart Darling, and got a TV to pay up which would eventually be hers. Late 2007, 2008 we got behind in payments but paid the best we could. We couldnt afford to pay etc and they them claimed we owed thousands.

 

We can't find the original credit agreement, although i requested one and i got the HPA, detailing the following:

 

Amount of Credit : £2350.25

Total Amount Payable : £3007.86

APR: 29.40%

Commencing on 21/5/08

 

Description of Goods, it says Balance Transer, cash pric £2350.25

 

Wow - now hang on a minute. Where is the ORIGINAL HPA agreement, and as far as we are all aware, we did not sign another one (which i dont think would be legal any way).

 

On a seperate letter it states:

 

Total Loan : £2751.99

Total Paid : £454.00

 

OMG moment, we've had the TV and paid well more than that. Sadly we did not keep every receipt they gave us, but we do have a collection from 2007 and 2008, which total to over £1400+

 

When my mum obtained a Freezer from Stuart Darling, the HPA for that showed a balance transer for 3805.56, dating back to October 2006. The TV we got was when the World Cup was on.

 

My points are :

My mum does not recall signing another HPA ust for the TV. The HPA dated 21/5/08 has my mums signature on it though, although it does not match on the other signed documents we have signed to them.

 

We have receipts stating we have paid well over £1300+ for the TV, so how can they claim we only paid £454.00

 

Any help on this would be much appreciated.

[ScarletPimpernel]

Changed the title for you...

[blackgloves]

Thank you

[blackgloves]

Can anyone help ?

[dx100uk]

so are you still paying them?

 

i'd follow the advice giving with the other debts you have.

 

lets SAR them and have the works out of them.

 

it would also be useful if you could post up the CCA [scan it, use photobucket and post the link here After removing pers details.

 

 

let us decide.

 

it maybe it is unenforcable & if you are paying you can stop.

 

dx

[vjohn82]

 

We have receipts stating we have paid well over £1300+ for the TV, so how can they claim we only paid £454.00

 

Any help on this would be much appreciated.

 

They have done that for one reason... they would need an order of the court to take the goods away/enforce the agreement as your have paid more than 2/3 of the purchase price of the item.

 

They won't go to court because they will not be able explain their extortionate APR etc.

 

Best thing to do is put as much correspondence on here from them that you have... we can take a look at it and then advise. Difficult to help with only very vague details etc but judging by the amount you claimed you have paid I suspect what I said above applies.

[blackgloves]

I totally forgot about this thread. I've not heard back from them since August. This forum has helped me a lot, when i asked debt companies to see proof and make a request they simply stop trying which is good.