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Close Brothers Motor Finance - Doorstepped after ONE late payment


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Hi, long time no post- I've been just about keeping my head above water.

 

I'm due to make the final payment on the agreement tomorrow - hooray!!

 

However, there's now circa £1000 of late payment etc charges on the account.

 

If I tell them to shove these up their backside could they still default the agreement?

 

It's over four years since my last default and I really don't want another registering!

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get reclaiming

 

if you've already had a default notice then you cant have two!!

 

the debt will vanish on the 6th birthday of the defaulted date.

 

you need to get a reclaim in.

 

have you all the statements

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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The account has never been defaulted, I've always managed to remedy it within the time period.

 

I haven't paid any of their fees, they've simply accrued, so nothing to reclaim.

 

However, are you telling me that the charges for letters / notices of default etc etc are all unlawful charges?

 

Thanks :)

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yes they are PENALTY charges!

 

pop them ALL in a SOC at THEIR int rate

 

fire it off.

This fourth spreadsheet is useful in calculating a regulatory based compound interest award for PPI on a Revolving Credit Account. Or for a PENALTY charges Reclaim. Not all statements are required for this sheet because it will work out the compound interest on the PPI payments you do know about. It will not work out the additional 8% interest, to do that you will need spreadsheet three above AND all of your statements.

 

FosCISheet v101.xls

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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i havent said you have.....

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

but you are expected to pay then though.....

 

so, you prove them a penalty, get them off the balance then...

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Ah, right, ok.

 

As they aren't part of the agreement, and usually show in the form of a separate invoice / statement, I was going to play the 'they're unlawful penalty charges and I'm not paying them, issue proceedings if you really want the publicity' card.

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  • 3 months later...
  • 1 month later...

Hello everyone,

 

Can someone help me with this please?

 

I've finally managed to make the last payment on my car. It's been a very hard 60 months as the wife was diagnosed with cancer and I made loads of payments late.

 

Close are now telling me they won't release the title of the vehicle as there are £800 of 'charges' - for late payments, DN's (that have ben aid before due date) etc.

 

As far as I'm aware, these are all illegal charges, but they won't budge.

 

How do I handle it?

 

Thanks :)

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I don't think they can actively pursue them as they need to give a breakdown of each charge.

 

 

They may be able to claim interest which would be minimal, but I doubt if they would try court for the charges.

 

 

As your wife is vulnerable, this may strengthen your position.

 

 

If you do ever receive court papers come back on here immediately.

 

 

In the meantime advise them of the Protection from Harassment Act 1997

and Unfair Terms in Consumer Contracts 1999.

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Thanks for that Surfer :)

 

My point is, though, that in theory I would never be able to sell the car; they're holding title to it despite me having made all f the payments. Isn't that outside the CCA?

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  • 2 weeks later...
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That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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