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tinkerbellshell

Please could you help me with Go Debt!

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Hello, Please could you help me with Go Debt!

The saga began in 2000, when I purchased a car from Fiat. I defaulted on the payments due to loss of both mine and my husbands job. Fiat subsiquently repossed the car and I thought that was the end of it as I did not receive any correspondance to say that anything was still owing. I have since been hassled by Go Debt who have phoned and written letters to state that they want to either make me bankcrupt, take county court action, charging order or failing this send the baliffs in!! I have followed your advice and sent the letter to request a copy of my original credit agreement together with a list of payments that I have paid since they have been chasing me for the debt. They have replied today, and have not received a copy of the original credit agreement, it looks like something they have put together themselves - is that legal or do they have to provide the original? Also on the document which they have put together it states that the debt was written off in Aug 2001, then in Mar 2004 it reads Reopened Litigation Agreement of £4501.63. It does not state how much is owing now!

I have been paying monthly installments since 2007, to start with it was £20 pcm and that rose to £25pcm in May 2009. I am still paying the £25 but they are not willing to allow me to continue this. I am now a stay at home mom and do not have any savings to make an offer to Go Debt to clear this account.

HELP Please!!!!

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First thing here is 'When did you make your last payment ?'

 

Disregard that, I see.

 

They will accept what you offer because they can do no other. They can't send in bailiffs, only courts can do that, it will cost them a lot to make you bankrupt.

 

When you sent for the agreement, did you send the £1 fee ?

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Hi

 

Thanks for coming back so quick. I did indeed send them the £1.00 postal order at the time of sending the letter.

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Ok - so that makes it a legal request and gives them 14 day to send a copy to you. If more than a couple of weeks have passed since your request, then the account is in default and you need pay no more installements until you receive the copy agreement.

Even then if they should be able to get one (very very doubtfull), it has to comply with the regulations.

If after a further 30 days from the end of those 12 + 2 days they have still not sent you a copy then they have committed an offence for which they can be reported.

 

What was the date you sent the request ?

 

Do you have the guts and determination to go all the way with this or will threatening letter scare you into paying?

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Hi, Go Debt actually signed for the letter on the 27th Sept, the letter I sent was dated the 25th Sept, Go Debt have even actknowledged the letter was dated the 25th! In the letter from Go Debt it states "that it notes that I had been sent a copy of the credit agreement in previous correspondance", this is not so.

 

I am in no position to pay anything more to this company other than the monthly payments, which I am now loathed to do!

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Ok, so not 12+2 days yet. You don't have to do anything at present until the end of the 12+2 days and then you will write telling them that failure to send a copy of the 'original' agreement on request is a legal requirement under the Consumer Credit Act 1974 and that they have failed to do this and as a consequence, the account is now in dispute and no further payments will be made until you receive an Original copy.

 

That is a bit in the future but puts you in the picture.

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ok thanks for all your help so far, I will keep you posted as to what happens when the 12+2 days are up and the next letter is sent.

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So that your thread don't get lost in this huge thread, I will ask the site team to start one of your own so then we will always be able to find it.

  • Haha 1

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Hi, tinkerbellshell.

 

I have started a new thread for you, please continue to post here.

 

Regards.

 

Scott.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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So you now have your own thread - thanks MD - remember the name 'Please could you help me with Go Debt' so if it goes off the page you will be able to find it when the time to receive the agreement has expired and/or you want to update at any time.

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Hello, Just a quick update. I have today written another letter to Go Debt to advise of their failure to provide the Original Agreement and that the account is now in dispute with no further payments being sent. Will let you know if I have anything from them.

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It is now the 29th October 2010 and I still have not heard anything from Go Debt since sending my last letter on the 12th October. Does this now mean they have forgotten or given up chasing the debt? I have also cancelled the DD so no more payments will go through.

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