Capital Bank Car Repossession

[IdaInFife]

so RBS have updated it to settled

[lewis94]

Yes the RBS bit now says settled

[ITDonk]

Bit of a bump of an old thread but I have had a similar issue.

 

I gave my car up in 2009 and Capital Bank passed the debt to Imperial, I paid a lump sum to settle (I think around 50% of the balance).

 

Suddenly on August 2010 DLC wrote to me demanding the outstanding balance, I spoke to them explained I had made the payment and the account was closed, they wanted a copy of my bank statement. I didn't do anything and never heard anything until last week they started the harassing phone calls again.

 

I wondered if Capital had sold on the debt again after Imperial seems not to be trading any more but when I rang them my account isnt on their system, but Capital now seems to be Black Horse Finance so they have also gave me a couple of numbers to chase up.

 

What I think has happened though is Imperial have sold on their debts to DLC as part of their closing down. With my account still having a balance they are chasing even though I thankfully have found my letter from Imperial stating the account is settled.

[lewis94]

My account with Imperial was brought by DLC. This they confirmed. I owed £11k and in December 2010 they wrote saying we are going to court. I sent back correspondance saying this is what I am paying and this is my CCCS statements. I also included in the letter that I would not accept any further telephone calls and all correspondance was to be in writing - any further calls would be treated as harassment (advice taken from forums on here). I had no more calls since.

 

Then last week I contacted DLC and offered a reduced full and final settlement, explaing that a solicitor letter would accompany payments to prevent any further chasing of money. Two days of negotiations later and they have accepted 38p in the pound as settlement. I have had this in writing.

[lewis94]

Having checked my credit file

 

I have noticed that my score has dropped due to Hillisden adding a default and partially settled claim against my file.

It shows up as Hire Purchase from Hillesden Securities

 

I have never had a hire purchase agreement with Hillesden and

in fact it was with Hire Purchase from Bank of Scotland.

 

Both carry the same reference number and both show up that a default and settlement has occurred.

 

I did originally default with Bank of Scotland and then Hillesden wrote to me threatening to take me to court etc which I know is common practice.

I agreed a reduced full and final payment to clear the debt and Hillisden sent me an invoice to pay, which I did.

 

I contacted Hillesden and

they said they took over the debt which I dont doubt

but I have never had an agreement with them

nor did I default on anything they sent me as it was paid straight off.

 

Anyone help with advice how to either remove one of the duplicate file notes

or ensuring that Hillesden remove it completely.

 

Do they have to prove they had an agreement with me in the first place ?

 

Thanks

[citizenB]

I think you will need to contact both RBS and Hillsden.. only one of them should be updating the file.. so one needs to come off.

[lewis94]

Thanks for the reply. Is there a template type letter or information I should note in particualr

[citizenB]

I am going to flag your thread for more input from others.. so hold tight for at least today, see if others can offer more detailed advice for you.

[BRIGADIER2JCS]

Having checked my credit file I have noticed that my score has dropped due to Hillisden adding a default and partially settled claim against my file. It shows up as Hire Purchase from Hillesden Securities

 

I have never had a hire purchase agreement with Hillesden and in fact it was with Hire Purchase from Bank of Scotland. Both carry the same reference number and both show up that a default and settlement has occurred. I did originally default with Bank of Scotland and then Hillesden wrote to me threatening to take me to court etc which I know is common practice. I agreed a reduced full and final payment to clear the debt and Hillisden sent me an invoice to pay, which I did.

 

I contacted Hillesden and they said they took over the debt which I dont doubt but I have never had an agreement with them nor did I default on anything they sent me as it was paid straight off.

 

Anyone help with advice how to either remove one of the duplicate file notes or ensuring that Hillesden remove it completely. Do they have to prove they had an agreement with me in the first place ?

 

Thanks

 

Hi, Once Hillesden aquired the debt they took

on all the rights and obligations of the original

agreement, so changed the deault entry to their

name, what the have done is updated the files

to show that the BOS account has been settled

when the debt was bought by Hillesden, there

is always some misunderstanding about the status

of a F&F payment (partially settled) reduced payments

etc., ALL constitute a default under the original terms

and conditions so as it stands the entries are imo correct.