The Funding Corporation....URGENT HELP NEEDED

[enragedbos]

Hi all, wonder if anyone could please help me.

I have a bos with TFC, for a car that I had off them some 2 years + ago, I still have the car, and have been paying them every month an outragous amount of money, and had not missed a payment till a few months ago, to which they simply added on to the end of the agreement. However now due to unforseen financial problems, I am no longer in position to keep up these payments on my car, so have missed last month's payment, to which I have been unendated with calls, texts, and letters. I have on several occasions spoken to TFC, and advised them that I can not afford to make these payments, as I have the option of paying them, or feeding my 4 children for the month.

I offered them a sensible offer of payment and asked if they cpould reduce the payments and extend the agreement, so we could manage, but they declined, eventually after receiving a default notice from them, and having asked them 5 times to reduce payments, they agreed to send out a financial statement for me to fill in and send back, showing my incomings, and outgoings. This was faxed back to them with a offer for half of the amount I am currently paying.

When they called again , they made out firstly that they had not received the fax, then they were informed by us that we are not stupid enough to send a fax, and not retain a receipt for it showing the date and time it was sent/received. Miraculously it appeared on the guys desk, to which he began to question our outgoings, eventually the amount was agreed, and we were told to await a call for our card details, Monday arrived and still no call, so we called them, only to be told they had declined the offer. We have since discovered that we could possibly have a void BOS, due to the fact that there is no signiture on it for TFC, or date, no agreement number, and the witness that signed was actually the sales rep, however he has signed in a different name but there was myself, my hubby, and my dad present when this happened........Ideally we would like to keep our car, as we have paid over the cash price for it already, but TFC are saying we still owe just over £16,000. Also we were made to purchase the ppi, which has bumped up the costs involved, we have been told to find out if there is any finance attached to vehicle, and if not to sell it fast....we just dont know what to do, and are getting extremly worried that they will come and repossess the car.

someone please help...may thanks, sorry thread is bit long..

[postggj]

well if you have paid more than a third, they cant do a repo

 

ive seen a lot of tfc bos that are crap

 

still owe 16 grand

 

do you still have your agreement

[enragedbos]

Hi thanks for your reply.

Yes we still have our copy of agreement, but it seems to be an illegal copy as it has certain things missing from it.

Bearing in mind that they have rejected our offer of monthly payments,

What rights do we now have?

What advice would you suggest as next steps?

Are TFC encompassed under the same revokation of license as LBL?

thanks for your time.

[postggj]

I Need You To Post Up The Agreement, Minus Personal Details But Leave In The Figures

 

Google Photobucket And Use The Upload Link For Message Boards Without Thumbnails Option To Post

[enragedbos]

Hi postggj.

 

Thanks for your reply. I have followed your instruction and registered with photobucket, but can't see how to "upload link for message boards without thumbnails".

Where is this option and how do i do it please?

 

It may be staring me in the face, but I can't see the woods for the trees lol.

 

Thankyou

[postggj]

sorry

 

just use the share option

[enragedbos]

sorry

 

just use the share option

 

Hi Sorry for lenghth of time since my last post. I think I have it now....

 

 

 

Regards

enragedbos

Edited February 24, 2010 by enragedbos
LINK REMOVED

[havinastella]

Jesus ****ing christ!

 

Amount of credit £7600

 

Total repayable £27575

 

Theres a long way to go with this one, recaliming all that bogus Insurance for a start @ 39.9 compound interest!

 

I'm in shock at those figures!

 

Jogs

[enragedbos]

Guy came to repo today.....need help fast.....sent him packing, but he threatened to call recovery vehicle.....

help.....

[havinastella]

have you paid 1/3 of the total?

 

So about £9000?

 

Jogs

[enragedbos]

have you paid 1/3 of the total?

 

So about £9000?

 

Jogs

 

Balance outstanding = 16312.85

 

Just over 11000 paid to them.....not sure how much is actually paid against the car alone though?

My guess is that majority share is PPI cr@p etc?

Edited November 30, 2009 by enragedbos
further question

[enragedbos]

Have spoken to TFC today, they say basically they wont deal with us, and that the account has been passed to the collections agent, and therefore we need to speak to him, and pay him the two owed payments, or give him the car.......really dont know what to do ......

please help......

[trooper68]

Have spoken to TFC today, they say basically they wont deal with us, and that the account has been passed to the collections agent, and therefore we need to speak to him, and pay him the two owed payments, or give him the car.......really dont know what to do ......

please help......

 

 

Hi enragedbos

 

Don't give them the car, if you surrender that car they will sell it on the cheap. I've had a look at the paperwork quickly, you have paid more than a 1/3, so they have to take you to court to repo the car.

 

Did the repo guy give you a card? If they do return ask to see HIS baliff warrant. If he is repo without one he breaking the law.

 

trooper68

[postggj]

bloody hell jogs

this is criminal

 

ok

 

enraged

 

this is what i want you to do

 

let him repo the car but dont surender it voluntry and sign nothing

 

as soon as he has done that it will be illegal recession of contract

 

you will get back all you have paid with 8% apr, they will have to give you the car back or pay replacement cost on top of your payments allready made

 

ask for id and make a note of name and company

 

dont give him the keys

 

no fuss or argument please

 

it will then be pay back time and you deserve it

 

and i thought welcome were bad

 

its time to go on the offensive

[enragedbos]

bloody hell jogs

this is criminal

 

ok

 

enraged

 

this is what i want you to do

 

let him repo the car but dont surender it voluntry and sign nothing

 

as soon as he has done that it will be illegal recession of contract

 

you will get back all you have paid with 8% apr, they will have to give you the car back or pay replacement cost on top of your payments allready made

 

ask for id and make a note of name and company

 

dont give him the keys

 

no fuss or argument please

 

it will then be pay back time and you deserve it

 

and i thought welcome were bad

 

its time to go on the offensive

 

Hi and thanks for reply...

 

...but where did you get this advice from?

....how would I be able to recover the monies you say they would have to repay me?

....what time span am I looking at?

....Am conscious of digging ourselves into a deeper hole here....

 

Trooper says "don't give it"....you say "do"????

Which way please?

Edited November 30, 2009 by enragedbos
add on

[postggj]

http://www.consumeractiongroup.co.uk/forum/repossessions/150726-car-repossession-welcome.html?highlight=caz

[enragedbos]

http://www.consumeractiongroup.co.uk/forum/repossessions/150726-car-repossession-welcome.html?highlight=caz

 

Hi again.

 

Have read this link.......wow..

even more confused now.....

 

Trying to move on with our own issue, but at the same time, trying to link in any similarities from other links....bamboozled....am now blinded by words..:grin:

 

Without any lack of respect to anyone willing to help us...(we really do think you guys are a godsend, and all help thus far has been amazing door-opener )....please can we work at a pace where my aching brain is able to understand and take in any advice you may have for us?

Edited November 30, 2009 by enragedbos

[postggj]

evening al

 

thought you would like it

[enragedbos]

evening al

 

thought you would like it

 

ha ha....my god!!!!

 

Made very interesting reading and can see why you would put link in thread ;-)

 

What would you advise us do then please mate?

 

Really appreciate your thoughts here mate.

Edited November 30, 2009 by enragedbos

[enragedbos]

Bump....

 

more help needed please

[postggj]

do as stated in page 15

 

but thats my opinion

 

the decision is yours

[enragedbos]

Bump

Hi all, thanks for all your advice, you have all been great.

 

I have more news.......i finally received my copy of BOS from TFC....I have checked through it and have seen that although it is court stamped, and therefore registered, the court stamp date is actually 17 days after we purchased car, making it 10 days after the 7 day required period.......Is this right for registering the BOS and having it stamprd at court?

Also the agreement number on every sheet has been hand written on the top of the pages, almost like it has been recently added, as they have sent a photo copy of the BOS to us, is this legal? or does it have be typed in like the rest of the document?

 

Many thanks

[postggj]

Well The Agreement Is Not Secured By A Bill Of Sale

 

Have I Seen Your Agreement

 

Do You Still Have The Car

[enragedbos]

Well The Agreement Is Not Secured By A Bill Of Sale

 

Have I Seen Your Agreement

 

Do You Still Have The Car

 

Hi postggj...how are you?

 

My wife started this thread off, and the posts are hers....I have scanned and stored all copies of agreement on photobucket as you requested in an earlier post within this thread.Link below...

 

 

As yet, the BOS has not been posted as I have only just got in from work, it will be up in due course.

 

BOS is actually 12 days from agreement date...not, as stated, 17.

 

Yes, we still have the car...although it is hidden at the moment.

"Collector" has been round twice now for money or car - no ID - no paperwork at all, other than a black & white letterheaded letter from TFC.

 

He became very uneasy when I demanded to know who he worked for...was he a bailiff....can I see his ID....he disappeared very quickly!!!

 

...input please??

 

Thankyou in advance..

Edited February 24, 2010 by enragedbos
LINK REMOVED

[postggj]

Thats Not An Agreement

Its A Pre Contract

 

The Second One Is A Bill Of Sale

 

You Have Not Signed An Agreement/ Its Pre Contract

The Bill Of Sale Is Crap

 

This Cant Get Any Better

 

Goodby Agreement:-D:-D