mranother v BCT HP Agreement-Court filed.

[postggj]

afternoon all

 

first thing i need is to see the agreement

 

do you have it

 

that is a copy i can read

[postggj]

Your Address

 

Date

 

Dear Sir/Madam

 

Re:− Account/Reference Number 4563210025897412

 

This letter is a formal request pursuant to s.77 to s.79 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77(6) will apply.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

We look forward to hearing from you.

 

Yours faithfully

 

 

print your name

 

 

send recorded delievery

 

sending a fax agreement does not satisfy any request

only a true copy of the original will surfice

 

after 14 days of no reply, the account will fall into default and bct will be unable by law to enforce or demand payment until they comply

 

when and if we get the agreement, battle plans will be drawn up

[postggj]

well they need a court order to do a repo

if they did you would get back every penny paid them

 

what do you want at this stage of things

 

daft question i know

[postggj]

ive answered that question above but if they come and do a repo

 

sign nothing

[postggj]

sign it over

thats right a voluntry surender, then come after you for the shortfall

 

have you considered doing a voluntry termination, thats half the agreement

 

they will need to go to court to get a repo order but you just request from the court a time order to carry on paying and keep the car

[postggj]

bct are ntoriouse just like welcome finance for undisclosed commission payments

 

have you done an sar on bct

[postggj]

undisclosed commission payments invalidate the agreement

 

dont want to tip them off

 

if you need help with the sar, just shout

[postggj]

i need to see the agreement

take out all personal info but leave in the figures

 

google photo bucket to post

[postggj]

can you use a scanner and upload

 

the links are not that clear

[postggj]

from what i can see is the cost of the car

amount of credit £8995

 

can some one tell me what the apr is

 

agreement link is on page one

 

realy need glasses

[postggj]

you have 14 days to acknowledge the claim and then its another 14 days from the time you acknowledged the claim to send in a defence

 

acknowledge the claim after about 10 days to give plenty of time on the defence

 

is this a money claim online from northampton bulk center

 

if so, you will have a password on the claim form to log inn to the court service

[postggj]

i realy need some one to confirm the apr

 

it looks like 34.1 and not 31

 

any caggers got eagle eyes to confirm apr

 

also, how many many months is the agreement over

[postggj]

Thats Good News

 

So If You Are Paying The Gap In The First Payment

Interest Will Not Be Applied So I Will Leave The Gap Out Till The End

 

Ime Now Doing Your Figures

 

Please Confirm You Have No Other Insurance

Ppi Etc

[postggj]

This Is One Bad Agreement

 

Do You Have A Seperate Agreement For The Gap

 

I Cant See It On Your Agreement Posted

[postggj]

If The Gap Has Been Added Into The Loan

 

It Must Be Listed

[postggj]

I Now Have More Than Enough For A Defence

What Is The Date On The N1 Claim Form

Have You Acknowledged Service Yet (plenty Of Time)

[postggj]

No Worries

 

The Claim Form Needs To Be Acknowledged, But We Have 14 Days So Acknowledge The Claim On Friday The 12 March,

Send Back To The Court By Recorded Delivery WitH

 

the Intention Of Defending All The Claim

 

That Will Then Give Us A Further 14 Days To Do A Defence

[postggj]

When You Have Time, I Need You To Write Out The Agreement With All The Figures

 

Thats Amounts And What The Figures Are For

 

Amount Of Credit Xxx

Apr Xxx

 

How Long Agreement Over

Repayments

 

Etc Etc

 

Get The Idea

 

Thats A Poor Copy On The Agreement And As Its Court, I Need To Be Sure On My Figures

[postggj]

Just What The Doctor Ordered

 

Ill Get Cracking On With The Defence

 

With Out Fail

 

Get The Claim Acknowledged On The 12 March By Recorded Delivery

[postggj]

No Probs On Repayments

 

Yes

 

Have You Paid More Than A Third In Repayments

[postggj]

No Worries On The Repayments Statement

 

Sorry If Asked Before

 

Do You Still Have The Car

[postggj]

Well The Default Is Made Up Of Penalty Charges So The Default Amount Stated In Incorrect

[postggj]

Well I Spotted Loads Of Things Wrong

 

There Figure Just Do Not Add Up

 

Leave This With Me For A Few Days And Ill Put A Draft Defence Up Which We Can Add To As Needed

 

Remember

 

Acknowledge Claim By Recorded Delivery On The 12 March

 

Most Important

No Later

[postggj]

you have left this very late to bump your thread

 

ill start on a defence today

 

can you please phone the court like yesterday and enquire the last date the defence needs to be submitted

 

give them your claim number

 

you realy should have bumped your thread before the weekend but

 

ill get cracking on it and post up a defence later so you dont get a ccj by default

 

can you post up the default notice not default sums

the actual default notice giving 14 days to rectify the default

Edited March 23, 2010 by postggj

[postggj]

Thats The One

 

Ill Be Back On Line Later

 

Regards