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      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
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      • 16 replies
Schmidlin

Private & Commercial & GODebt Recovery threatening bankruptancy

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Hi,

I currently have Go Debt recovery threatening me with Statutory Bankruptancy for a car finance agreement I had with Private and Commercial. I had the agreement and gave the car back, for resons i will post personally if required, I could not pay for a few months and then they told me they have sold the debt, I couldnt get an answer out of P&C of who they sold the debt to, then a year and a bit later, I get a letter through from Go Debt Recovery threatening me with Bankruptancy. I have cca'd the debt and they have sent me my signed credit agreement back and i have noe received a letter stating they will be issuing me with this demand on Tues (13/07/2010) I am now worried as I think they have proved the debt and will make me bankrupt. Stupidly, I offered to pay them in installments, but they flatly refused and then sent through thi letter a few days ago saying the will issue this demand whether I am at home or not.

Does anyone know what I can do about this at this late stage and what will happen next? I have no assets nor own my own home nor a car, any help will be greatly appreciated.


Barclaycard-Reclaimed all charges-A/c Closed

Burtons-Reclaimed all charges-A/c Closed

Citifinancial-Default removed-A/c Closed

Halifax-Reclaimed all charges-A/c Closed

Capital One-Finally, Default removed-A/c Closed!!!

:roll:

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Your final paragraph is your answer, these are nothing but threats to hopefully (for them) frighten you in to stumping up a large sum of money.

 

What they may send is a Statutory Demand, which is usually sent as a frightener as the first step towards making a Bankrupty Petition.

 

With help from others more accomplished in these matters than I, that can be dealt with.

 

Not too knowledgeable myself with regard to car finance, but I am sure others will be along shortly.


Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Can you post up the agreement removing personal details


I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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Hi thanks for your prompt replies, I will scan the document tomorrow night and will upload then, hopefully it will be legible. What shall I do if I receive the stat demand on Tuesday?


Barclaycard-Reclaimed all charges-A/c Closed

Burtons-Reclaimed all charges-A/c Closed

Citifinancial-Default removed-A/c Closed

Halifax-Reclaimed all charges-A/c Closed

Capital One-Finally, Default removed-A/c Closed!!!

:roll:

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Stop worrying you have 18 days to have it set aside. Go debt agreements aren't the best by a long way.


I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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Check this out, may be of use regarding GoDebt.

 

Edited by IdaInFife
commercial link removed

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Godebt

 

Makes A Change From Yes Car But Still Using The Sd

 

Wonder If This Agreement Will Be The Usual Lemon

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Hi, I've attached my credit agreement that Go Debt sent to me and also the Statutory demand they have sent me today (dated 01/07/2010!)

 

If someone can have a look at this and let me know where i stand, i'm getting really worried about having to pay the money and lose things that have taken me a while to get.

 

All your help is greatly appreciated.

Finance Agreement img001 - A.pdf

Finance Agreement img002 - A.pdf

Finance Agreement img003.pdf

Statutory Demand img010 - A.pdf

Statutory Demand img011 - A.pdf


Barclaycard-Reclaimed all charges-A/c Closed

Burtons-Reclaimed all charges-A/c Closed

Citifinancial-Default removed-A/c Closed

Halifax-Reclaimed all charges-A/c Closed

Capital One-Finally, Default removed-A/c Closed!!!

:roll:

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The only bit of advice I can give you is to reclaim the acceptance fee back.

However, Postggi is on the case and he is very well versed in these agreements, your in good hands there.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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usual godebt crap

 

how was the sd served

 

was it in person or by 1st or 2nd class post

 

was an affidavit on service enclosed

 

no probs in dealing with this one

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Hi, there was no affidavit on service enclosed and the sd was delivered in person posted through the letterbox, not handed to anyone


Barclaycard-Reclaimed all charges-A/c Closed

Burtons-Reclaimed all charges-A/c Closed

Citifinancial-Default removed-A/c Closed

Halifax-Reclaimed all charges-A/c Closed

Capital One-Finally, Default removed-A/c Closed!!!

:roll:

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phone the court listed on the sd and ask them if they deal with bankrupcy

 

is this court your local one or not

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It is as far as I am aware, someone has told me it's not there anymore, so I will need to check, I'll find out tomorrow and post the answer


Barclaycard-Reclaimed all charges-A/c Closed

Burtons-Reclaimed all charges-A/c Closed

Citifinancial-Default removed-A/c Closed

Halifax-Reclaimed all charges-A/c Closed

Capital One-Finally, Default removed-A/c Closed!!!

:roll:

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well if the court is no longer there or does not deal in bankrupcy

 

you have won allready

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Hi, I have checked the courts website and yes they are still there and they do deal with Bankruptancy, what do I do now?


Barclaycard-Reclaimed all charges-A/c Closed

Burtons-Reclaimed all charges-A/c Closed

Citifinancial-Default removed-A/c Closed

Halifax-Reclaimed all charges-A/c Closed

Capital One-Finally, Default removed-A/c Closed!!!

:roll:

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i need you to phone godebt and ask to speak to this alyn thomas

 

do not give your details to the telephone muppett who answers the phone

 

just demand to speak to a mr thomas ref a stat demand

 

if they dont comply

 

hang up with immediate effect

 

f you do speak to him, ask him if he will send

 

1 /full statement of account

2/default notice

3/ termination notice

4/ notice of assignment

 

do it now and tell me if you got to speak to him

DO NOT GIVE ANY PERSONAL DETAILS LIKE NAME ETC TO THE TELEPHONE OPERATOR

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I won't be able to do this until tomorrow now as I am at work, sneakily using mobile phone now, but will do first thing, I have had sent through a statement of account and a default notice with the previous letters and will get mrs to upload tonight, but no notice of assignment or termination notice


Barclaycard-Reclaimed all charges-A/c Closed

Burtons-Reclaimed all charges-A/c Closed

Citifinancial-Default removed-A/c Closed

Halifax-Reclaimed all charges-A/c Closed

Capital One-Finally, Default removed-A/c Closed!!!

:roll:

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Hi, eventually got round to doing what I needed, attached is the Default notice and statement of account, I rang Go Debt and although I didnt get to speak to Alyn Thomas at the time, he has since rang me back and left a message asking me to ring him back.

Notice of Default - A.pdf

Statement of Account 1 - A.pdf

Statement of Account 2.pdf


Barclaycard-Reclaimed all charges-A/c Closed

Burtons-Reclaimed all charges-A/c Closed

Citifinancial-Default removed-A/c Closed

Halifax-Reclaimed all charges-A/c Closed

Capital One-Finally, Default removed-A/c Closed!!!

:roll:

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Bump?

 

Postggj, have you any other info for me? the 18 days is up soon and ive not got anything done? Can you please help?


Barclaycard-Reclaimed all charges-A/c Closed

Burtons-Reclaimed all charges-A/c Closed

Citifinancial-Default removed-A/c Closed

Halifax-Reclaimed all charges-A/c Closed

Capital One-Finally, Default removed-A/c Closed!!!

:roll:

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Hi,

Anyone? Can you help or do I just have to deal with it myself from now on? I have no idea what to do from now and so i think im just going to be made bankrupt?


Barclaycard-Reclaimed all charges-A/c Closed

Burtons-Reclaimed all charges-A/c Closed

Citifinancial-Default removed-A/c Closed

Halifax-Reclaimed all charges-A/c Closed

Capital One-Finally, Default removed-A/c Closed!!!

:roll:

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If you need urgent help you should hit the Triangle with the excalamtion mark in it, then the site team will be able to assist.

However, had a quick look and the DN is defective, as IMO it does not allow you enough time (14 clear Days) in which to rectify the account.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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What should i do about this now then? cos it has now gone past the 18 days to have it set aside and i havent got a clue what will happen next?

 

Also, When i hit the traingle with the exclamation mark, it says i have to right a message, all i have written is "can someone help with this asap please?"

 

Do i need to write anything else?


Barclaycard-Reclaimed all charges-A/c Closed

Burtons-Reclaimed all charges-A/c Closed

Citifinancial-Default removed-A/c Closed

Halifax-Reclaimed all charges-A/c Closed

Capital One-Finally, Default removed-A/c Closed!!!

:roll:

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Add a link to your thread so they can view your problem, how far past the 18 days has it gone?

http://www.insolvencyhelpline.co.uk/debt_factsheets/how_to_set_aside_a_judgment_in_the_county_court.php


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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DId you take an affidavit to the court to have the SD set aside ?


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Hi, No i havent taken an affidavit to the courts as i didnt know what to do, thats why im talking to you helpful people, its the only way i can do anything!

Ive had a look at the above website and it only shows me what i can do, but im not sure in what position im in so im not sure what to do next.

If you can help me out with this, it would be much appreciated, as being made bankrupt will cause me more problems than just money and bills, i will get hassle from my boss due to payments being taken at source etc.


Barclaycard-Reclaimed all charges-A/c Closed

Burtons-Reclaimed all charges-A/c Closed

Citifinancial-Default removed-A/c Closed

Halifax-Reclaimed all charges-A/c Closed

Capital One-Finally, Default removed-A/c Closed!!!

:roll:

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