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    • Hi Honeybee13 No i 100% did not received reminder if i did it would have set alarms bells ringing that something wrong 
    • Hopefully Man in the Middle will be able to pop in today, but he does have a day job. Also the SJNP notes say they sent a reminder i did definitely receive this Are you saying you did receive the reminder or you didn't please? HB  
    • Thank you Man in the Middle, Everyone I know this may not make a difference but is it worth mentioning the fact i did believe i sent everything correctly but with all going on with my mother at the did not realise that stamp was not valid? Also the SJNP notes say they sent a reminder i did definitely receive this if i did it would have prompted me to realise something was wrong and rectified. I have to fill the form in online today so any more advice is gratefully received. The area is Gwent in South Wales it states on the form if i plead not guilty then send me the date of the trial Sorry as i've stated previously totally new to this and thank you for you assistance  i know you cannot say for certain but realistically by pleading the above what would be the most likely outcome be ? is it still likely to be 3 points and £100 fine ? or am i likely to receive higher and more fees?
    • Vennells evidence starts this morning at 09.45. Nick Wallis has made an interesting observation in his blog yesterday or today that yesterday's witness, Alwen Lyons, implied that forensic accountants Second Sight weren't doing a good job on their investigation of SPMs' complaints about Horizon. Nick's theory is that not being good at a job seems to be telling the Post Office things it doesn't want to hear. And that having been told things they didn't want to hear about the Horizon system, that training was terrible and their investigators and prosecuters weren't good enough, they decided the solution was to sack Second Sight and buy more expensive advice in the hopes of getting an answer they liked.    
    • Thanks for the quick response! the way they’ll have found so far is LinkedIn, I use this for business and work etc. I’ll have to look into the settings and see if I can make this more private I have no other social media.    so to confirm, best step is to directly mail my address to emirates and HSBC directly then ignore idrww and judge and priestly? should I be telling both the uk collection agencies that I’m only going to be dealing with the banks directly and not with them?    would you recommend creating a monthly payment plan to the banks or not?    Thanks, 
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Car Finance - Debt sold on 10yrs later...


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Well well well, almost 1yr to the day since my last post and guess who has another letter from Aktiv Kapital - this time offering a "New Deal" where I only have to pay £800, how nice of them!

 

Again I thought this was done with after last time, I just want to check if the advice given is still valid?

 

Should I call Yes Loans? Yes Car Credit? Aktiv Kapital?

Should I be writing to them or calling them (remembering the golden rule)

 

I am 100% going to try and get my money back - this thing needs to be put to bed as I have let it drag too long thinking it was done with, only to have the debt pop up again and again.

 

So could someone please point me clearly as to what steps I should take, and what I should be saying / asking in regards to following that plan.

 

Thanks in advance!

 

PS. dx: I have re-read your posts, and they are still like riddles to me haha!

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Send them the sb letter and ignore anything else.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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To claim unfair charges/PPI etc you would need to get full statements from them (SAR) and then fill in a spreadsheet to work out what they actually owe you. Then you send a specific letter.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I'm not claiming back PPI or charges, I would be claiming back all money paid by me upto the point the broke the agreement (by taking the car by force without a court order).

 

I was also told in this thread about the "deposit fiddle" on my agreement which basically makes it null and void, but not sure how this affects me claiming back my money as per the agreement?

 

I'm just confused as exactly what I need to do, in simple terms, to get the ball rolling on getting my money back - as there are so many things you should/shouldn't do and in the correct order etc.

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post 38

 

39 etc

 

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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Hey dx (riddler lol!)

 

OK so I should contact Yes Car Credit...or Yes Car Loans...or Aktive Kapital (the orig finance company)?

What should I be saying on the phone / putting in the letter?

 

Please tell me in full sentences as I find it hard to follow your style of writing, especially when I know one wrong move / phonecall/letter can cause so much trouble.

 

Thanks in advance.

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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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Thanks dx,

 

So I after reading that I think I should send Aktiv Kapital a SAR - and not phone them?

Aktiv are the company listed on the new letters I am recieving.

 

I still have all the letters from the last solicitors (Buchanan Clark and Wells) that tried this, and after I requested documents and sent the £1 PO I got it returned saying they wouldn't bother me again - but I don't think that was a SAR as that is £10...

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why are you contacting AK?

 

always the OC - original creditor

 

sar to them

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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  • Confused 1

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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Thank you mate, so just to confirm - I should send a SAR to Provident (as per your link) quoting the policy numbers etc from my agreement?

 

Once they reply is that all the ammo I need to reclaim monies paid due to the duff agreement / taking it without a court order.

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let see what happens

 

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'm also dealing with Yes Car Credit and I sent my SAR request to Direct Auto Financial Services, PO Box 1135, Bradford, BD1 9PU. They sent me a CD with all of the information I needed, including the agreement and a statement with all the payments that had been made. My agreement looks pretty much like yours, with the deposit taken off the insurance as well. It took them nearly all the required 40 days.

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We bought a car from them in 2002. It was completely paid off in 2006, but we are trying to reclaim the PPI and the other warranties that we were told we had to have when we bought it. I've already sent off the FOS questionnaire to them with the spreadsheet. They've got until the beginning of next week to come back to me. I'm just waiting for the letter now to tell me 'no' as, reading a lot of the other threads on here, that's exactly what they will do. As they weren't regulated back then, it can't go to the FOS, so it looks like it will have to go to court. Just been searching around for the legal argument that I need.

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Thanks for the info darrenfan - very similar cases indeed, hope we can both get our money back.

 

I'm now confused as to how you are dealing with Direct Auto Finance as dx posted a link to a thread saying they no longer exist?

 

Who should I send my SAR to?

Should I completely ignore the letters from Aktiv Kapital?

 

Thanks.

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give 'em a try 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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they are offering discounts

that 9/10 = they cant enforce the agreement.

 

ignore AK them.

 

yes try DAF.

 

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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