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    • Hello fellow Gaggers.   I did what you all suggested and asked for my CCA from all the Companies/DCA’s involved. These were sent by first class to sign for on 6 June 2022. They all received and signed for these letters on either 7 or 8 June 2022.   None have come back with a signed by me CCA or relevant documents. Here are the replies I received are as follows:   BPO Collections, received a reply on 17 June with their letter dated 14 June, no CCA received by 27 June.   Dear ***** Please find your postal order for £1. Unfortunately, we are not able to accept this as we don’t charge for this. I have requested all the information you have asked for, once our client has responded we will send this over. Yours Sincerely, John McNamee.   Cabot Financial, received a reply on 17 June with their letter dated 14 June, no CCA received by 28 June.   Dear ***** Thank you for your request for information under sections 77-79 of the Consumer Credit Act 1974. Unfortunately, we do not have the relevant information on file, so we will be requesting a copy of the credit agreement and terms and conditions from your original lender, as well as a statement of your account. This may take some time, but we will write to you within the next 12 days with an update, (their 12 days regarding an update is today 4 July, no post from them has been received).   You still have an outstanding balance of £****.** and you currently do not have a plan in place with us. We would like to discuss the available options with you and find you an affordable solution for this account. Yours Sincerely, Stephen Shaw.     NCO Europe, received a reply on 13 June their letter dated 8 June, no CCA received by 27 June.   Dear Sir/Madam (can’t even get my gender right). Thank you for your request and payment for a copy of your CCA which we received today and have forwarded to your creditor. Your creditor has advised us that they no longer require payment for this (postal order for £1.00), therefore we are returning it to you. You will receive the CCA in due course If you have any queries blah blah blah……………… Yours Sincerely, Joanne Perry.   PRA Group, received a reply on 17 June with their letter dated 14 June, no CCA received by 28 June.   Dear ***** I am in receipt of your letter in relation to the above (request for my CCA) and have requested the required information. Until this is received, I have placed your account on hold which will cease any further collections activity until further notice. PRA Group UK Ltd do not charge any fee to carry out this request, I am therefore returning this payment (postal order for £1.00) to you. We will contact you to provide an update as soon as possible but if you have any questions, please contact us blah blah blah……………………………… Yours sincerely, Carissa Rae.   Idem Servicing, received a reply on 18 June with their letter dated 16 June, no CCA received by 27 June.   Dear ***** Thank you for your request pursuant to sections 77-79 of the Consumer Credit Act 1974. Unfortunately, we are unable to supply a copy of the credit agreement at present and acknowledge that until we do so the agreement cannot be enforced. We have contacted the original lender for a copy and if available it will be sent to you under separate cover in compliance with your request.   The balance of your account is still outstanding and we will continue to pursue this debt which will include any arrears and defaults with the credit reference agencies. We can confirm the balance of your account of £****.** remains due and payable and we will continue to contact you to discuss repayment proposals. In the meantime, we attach a statement of account detailing the transaction history. You are free to take whatever action you consider appropriate but we will not be releasing you from any obligation under the agreement. Yours sincerely, Rebecca Harper.   Rather than scan and post the letters I have received from the DCA’s I have typed out the main points of each reply I received. All have failed to send me a true, signed by me, with attached terms and conditions (at the time of signing) a valid Consumer Credit Agreement. Most of each letter seems to contain bluff and bluster, and veiled threats. One note of concern, would any of this come to bite me in the rear end, should I fail to pay them any more money, with regard to the credit reference agencies? I await your more knowledgeable responses.   Allets.
    • Well done. Different shops have different staff.  For customer service in future look at sainsburys. I know the CEO is the same. 
    • Hiya, just to update you, they've now posted another enforcement notice - with a deadline of next week before action - to my new address. Presumably found that via the court document? I've not had any acknowledgement from the court of my new N245.    I need to check whether the deposit that was in dispute is still sitting with mydeposits so I will dig out the paperwork this week.  Also wondering whether it is worth going for an IVA if the court don't agree to my recent offer.   Meanwhile, if they turn up I will talk to them through the door.    
    • Include they dont know you received it.    
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VT & claiming back insurances cost


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hi Guys,

Hope everyone is well,

Basically my half way point is coming up to VT the car however ive been going through some of the docuements and im a bit confused.

I took out the finance on May 2008 and im currently paying £196.23 a month. If i times £196.23 by 24 months (196.23 x 24) the total amount adds upto £4709.52 but under the section for 'Termination: your rights' it says '£4336.10'

So by having that on the contract i can VT at 22 months which is when i will reach £4336.10. After that im guessing that is all i owe or would i have to also pay for the insurance after?

I havent miss no payments.



I also recieved a statement from welcome, it does state all the paymentsi made but under '14th may 08' it has 'principal credit adj' for £299.00 does anyone know what that was for?

I have been thinking about trying to reclaim the insurances sold to me... i took out Mechanical breakdown insurance & Total loss insurance, does anyone think theres a chance in reclaiming back the amount they charged me for the 2 insurances?

I know i was mis-sold the insurances by the usual sales talk 'you have to take it out if you want to get the car' and also with the sales man being pushy. I know its my fault for accepting it in the first place, but whats done is done and i have learnt from that mistake :wacko:


If i did try to claim back the insurances, who would i write to? welcome finance @ ruddington or to direct warrenty?

And would it be wise to VT and try to claim back the cost of the insurances at the same time?



Also the car is pretty much in bad condition, driving wise, would they actually test drive the car or just look at the interior and bodywork. The airbag lights turn on meaning it doesnt work and also when i turn left it makes knocking noises which was there when i brought it. The bodywork wont be such a problem as i will get someone to fix up the dents.



Details of finance:

Amount of credit for the goods £5658

amount of credit for the insurance £1070

Total amount of credit £6728

Duration of agreement: 48 months

Total amount payable for the goods £8673.20

total amount payable for the insurances £1498

total amount payable £10,171,20

Cash price of goods £6409

total cash price of insurances £1070

total cash price £7479

Deposit £750

PX allowance £1

total deposit £751

Finance charges for goods £2263.20

option fee £1

Chrage for credit for goods £2264.20

charge for credit for insurances £428

total charge for credit £2692.20

Thanks for your help

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im in a similar situation with regards to the insurances. im trying to claim back the shortfall and mech breakdown.


I contacted Direct Group to get all my documents as I have never received them and then wrote to Welcome at the Ruddington address to claim the refund. im still waiting on an official response as they sent me some stuff on PPI which i dont have. (stalling tactic i think). im claiming back under the 30 day rule whereby i can cancel 30 days from purchase or received the documents, whichever is the latest.


I believe Dawnytrish has been successful in claiming back insurances so far.


Also, just be careful how you work out the the amount to VT. the figure they quote is normally the amount paid for the car!! therefore your payment of £196.23 covers both car and insurance. you will need to work out the element of that total payment and attribute it to car and insurance separately. Well thats how it works out on my agreement.


its a bit crafty of them.


Also looking at your figures, it seems that the VT amount of £4336.10 does not take into account the deposit of £750 and is actually half of the total payable ie £8673.2 / 2 = £4336


I will have a closer look at the figures when i'm home later so I can concentrate and get my head round the figures to see what they have done.

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Thanks for your help, much appericated. I will await your reply.


Any idea where i should start with the letter regarding claiming back my insurance cost?

I see a template online @ http://images2.moneysavingexpert.com/attachment/ppicharges.rtf


But not sure if its the correct template to use?

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ok having a look at the figures.


you are paying each month for the car £165.02 and £31.21 for the insurances.


the VT amount of £4336.10 is half the £8673.20 which is the total cost of thr car + interest on the car.


in order to reach the VT amount of £4336.10, you have already paid £750 + £1 for deposit and part ex. therefore leaving £3585.10 to pay. this equates to approximately 22 payments.


On the insurances, did you ever receive the insurance documents such as a policy schedule and certificate? this is most important!


If you didnt then you need to ring Direct Group and ask them to send you them. Once you have received them, you can then contact the Welcome at the ruddington office to ask for them cancelled under the 30 day rule.


If you did received the documents more than 30 days ago, then you can go the mis-selling route, Have you noticed the number of months the Mechanical breakdown cover is for? mine was for 24 months yet I am forced to pay over 48 months for it. this is mis-selling for a start as I was not aware that it would not cover the whole of my agreement. Thats probably why they didnt send me any documents out because they know I would of cancelled it straight off.



Have you paid 22 months yet?

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i think 22 months will be in March. as i took out the agreement in May 2008.

Im thinking about starting the VT now as i heard story how it can take them 1-2 months to get sorted. I dont even mind paying the £600 upfront for Jan, Feb and Mar.


Yes, i did recieve the documents for the 2 insurances.

I dont have them infront of me at the moment but i do know one of the insurance was only covered for a period of 24 or 36 months. I will have a look when i get back from work.


I think i will look for a VT letter and insurance reclaim letter templates online and send it both off next week.


Has a lot of people been successful in claiming back their insurance cost + interest by them mis-selling their products (e.g Saying its only possible for you to get the car only if you take out the insurance, being pushy, by not telling me i could get the cover from another company, not telling me i was only covered for 36months.)


Thanks for your help again and good luck with your claims.

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