urgent help please.

[rocky09]

sorry i am new to all this.. not sure its in the right place, anyway.

we brought a car from yes car credit back in 2002/2003. go debt are really keeping on at us, at work and home. thing is we gave the car back, we paid over half for it ,that was one of the conditions if you pay over half back then decide you dont want the car thats the end of it...nothing more to pay. yes car credit go bust then go bebt start harrasing us.. hes phoneing back at 3pm today,if we cant come up with anything they are sending someone around... i am really scaered... oh and the £3000 they say we owe, will go upto £5000 if we cant pay today.

[rocky09]

anyone ? any ideas? please.

[volvodriver]

No one will come round

 

Tell him you will not discuss any more financial matters on the phone.

 

Refuse to answer their security questions.

 

Tell them that uyou will not respond to anything unless its in writing.

 

If you do speak to them tell them they have no right to send anyone round without your invitation, and if they do you will call the police as they will be trespassing.

 

Be really strong, they have NO rights, only a court can order you to pay money.

 

Someone with more experience will clarify the legal issues.

 

Dont panic, dont be scared, dont talk to them.

 

If need be tell them to go away in whatever words you want to use.

[volvodriver]

And the statement that the 3 will go to 5 is a joke so bad its not even laughable.

 

Tell them so!

[bazaar]

OK dont panic, first get a draft of the Harrassment letter of to them sharpish.

If they do want to come round, a nice hosepipe squirt should do the trick,

Keep a copy handy for anyone that turns up , ( they probably wont)

Do you have your original paperwork that states you could give the vehicle back? You'll statements as well.

So, try to stay calm.

They are just hassling you for the money at this stage, you need to get on the front foot with these cretins.

[Crocdoc]

Ask for advice from your local CAB, they will stop the harrassment and investigate the details for you. One important point never ever talk to the braindead on the telephone or engage with them if they call at your home.

 

Alternatively, if you can scan the original agreement (Deleting Your personal details) I will have a look at it and pass an opinion. In addition, if you don't have details of the payments made, write and ask for a setailed statement of account.

 

And importantly stand up to them if they call in the interim period.

 

Remember DCA's are not the brightest buttons in the box and depend on fear tacticts over the phone.

[rocky09]

i keep asking for copies of any paper work, but nothing yet. we did have the original paperwork somewhere, been decorating.. cab said we have to pay it as its the insurance we need to pay back. we didnt take out any insrance that i know off.

[bazaar]

Rocky, what way have you asked for documents? If its by telephone then you'll get nothing, everything you do from now on will need to be in writing. On what authority did CAB say you have to pay this back? Did they have a copy of the original paperwork? I think not. So has this company threatened you with court in any way? If so, you can use CPR request to get the documents. If not, then maybe a SAR will get what you need.

[rocky09]

Rocky, what way have you asked for documents? If its by telephone then you'll get nothing, everything you do from now on will need to be in writing. On what authority did CAB say you have to pay this back? Did they have a copy of the original paperwork? I think not. So has this company threatened you with court in any way? If so, you can use CPR request to get the documents. If not, then maybe a SAR will get what you need.

 

yes we showed them the paper work,

they just phoned, and i said i did not want to speak on the phone and to put anything in writing..hung up.. he phoned straight back and said that was rude wasnt it!

he said right i am sending someone round to the house. i said good the police will be waiting.. he said fine phone them now if you want... he also said we will get our money..

[volvodriver]

When they have issued court papers you can take their threats seriously, til then is all hot air and bluster to scare you into paying.

 

You've just won your first round, you are in charge now, keep it that way!

[bazaar]

Yes this twerp sounds like he needs his ar*e kicking, well try to enjoy the conversations, call into question parentage or sexual preferences if you wish, Other than that, as Volvo says, until they issue court papers its not too serious.

[rocky09]

what happens if and when they do issue court letters? when we took the car back 3 hour trip away,, we said right now you have the car and its all signed over to you, is that it we owe nothing now, he said yes thats it you owe nothing.. so i dont know where any of this has come from?..

[volvodriver]

They are probably trying it on on the back of some less than good records from yers car credit.

 

If you get legal papers you will be looked after here.

[rocky09]

thankyou for your help... will keep you informed..

[Conniff]

Go Debt purchase old and delinquent and non existant debts, the sort that there is no hope of collecting and then try to frighten and harras to get payments.

 

As said above, stir them up if they continue to phone and if they say they will send someone around, ask if he take sugar in his coffee and will he be wanting biscuits.