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    • First of all you should understand that there will be nobody around who will be interested in this mess which you have managed to get yourself into. Citizens advice, trading standards, the police – none of them will be able to give you any practical advice even if you can contact them and attract their attention. It's either not what they do or they don't have the resources. You say that you were "forced" to pay by credit card – but of course this is not true. They simply refuse to accept any other form payment and you went along with it because you wanted the vehicle. You could have refused and have gone elsewhere and then you wouldn't have this problem. The problem here is that although you know of a trading name – you have no idea who apparently owns the business. The only name you seem to have a somebody called Amir – which is simply an Asian first name. You have no address other than the trading address of the business and we don't know if it is a well established firm or if they have assets there. You could certainly see them simply on their trading name – and if that's what you want to do then we will help you. I have no doubt that on the basis of what you say that you will win your judgement easily. They may even not respond to the claim and you would get a default judgement. However, getting the judgement is only the first part of the problem a much bigger difficulty – especially with used car dealers – is enforcing the judgement. It's easy for them to change their name and to say that they are simply another firm, or to say that any cars on their forecourt belong to somebody else blah blah blah. At the end of it all, you have a duff car, a bill for court fees, a meaningless court judgement and a bill for enforcement. The only thing you would have gained will be a valuable lesson for the future but it's rather a hard knock and I'm very sorry about it. We are happy to help you start an action. It's no problem but I have to be very pessimistic about the eventual outcome – that you would have a successful enforcement and you will get your money back. Have you had a quote for the repair of the vehicle?
    • Thanks for replying. We rent a large plot consisting of the house and outbuilding with a fence surrounding a really large outside space front and back. There's plenty of room for many more than 4 cars, in fact, we bought a 16ft swimming pool which is at the back of the house but, as I explained, one of the cars is being returned to Motability this week and one of the cars belongs to a visitor who stays a few days each week so really there are only two cars here all the time.   It's essential, in the countryside where there is no public transport, for my daughter to have a car to get to work etc and for my son in law to get to his work. My granddaughter is 16 now and as soon as she passes her driving test, (she can take it now as she is disabled) she will have another Motability car, again essential for her independence and if she gets a job.   There was no specific mention of how many vehicles we could have when we signed the lease.
    • We purchased a Candy hob in September 2021 and it was purchased early as we were concerned about possible stock issues, it was installed on December 2nd 2021 when the new kitchen was fitted (a receipt can be provided to confirm this date) and this appliance started to give problems almost immediately but we struggled on with it until the intermittent fault got unbearable in that we did not know if it was going to work or not.   Upon contacting the customer service department at Curry’s I was automatically put through to Candy service and after 59 minutes on hold I had to disconnect the call as after this period of time my provider then charges me for the call so I have to start again and again and yet again to try and get through.   I have had email contact with Curry's ‘let us know’ but all I got was ‘it’s not our problem – it’s Candy’s problem’ so that was even more time wasted.   Meanwhile on Jan 8th 2022 we purchased another hob from Curry’s as we could no longer rely on the Candy one nor could we be without a cooking appliance, eventually I got through to Candy and an engineer called yesterday (Jan 24th) and he has to order four new circuit boards for this almost new Candy hob.   So if this appliance is repaired in say 14 plus days time what are we expected to do with it as we have already indicated that we have replaced it so that we would not be without a hob.   I do have all of the paperwork here to submit to the Small Claims Court as this appliance was not fit for purpose and the court would not expect me to be without a cooking appliance for any period of time.
    • Quick update on this. I finally received the statements from Overdales. I received the paperwork for the SAR from Three a while back.    Essentially, the debt is almost entirely an "involuntary cancellation fee" according to the invoice sheet Overdales sent through.   So now I guess I just wait for the next step...
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warrant of eviction


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hello ell-en just been down to court and been given a date 5 days before eviction. it worry me as if i lose case i wont have enough time to organise a move. can i get the date sooner asked lady in court but very unhelpful thanks

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Hi there, I can understand your concern, but based on the information you have given I would be very surprised if you did not get the eviction suspended. Judges do not want to put people out of their houses if there is a good chance of them making payments towards the arrears.

 

You say you have made a payment of £1430 and another one for the same amount today? How much of these payments were towards the arrears?

How much is your normal monthly payment?

 

Kind Regards

 

Ell-enn

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my normal monthly payment are £1380 so paid £50 but made numerous payments of £100 so the order the courts made i year ago is met. but missed a couple of payments. my arrears after these payments will about £4800. do you think this wil be problem do i need to pay more

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Hi, you should continue to make any payments you an afford to between now and the hearing, but if your arrears are now £4800 I don't think you'll have a problem. When is your next normal payment due?

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Hi, if you make the payment before the hearing it will reduce the arrears, but your payment on 1st August will still be due on that date, and if you don't make it you will be in arrears again. You should only make payments towards the arrears if you have surplus money before the hearing date.

 

I honestly think you will be ok - you have an income and can show the judge you can afford the extra payments of £150 per month. You have also reduced the arrears in the last week which will go in your favour.

 

Kind Regards

 

Ell-enn

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Hi there, if you make any payments before the hearing, let me know and we'll do an up to date statement for you to take to court to hand to the judge.

 

Have you asked GMAC for an up to date statement? that would be helpful to take to the hearing.

 

Also, remember to get the transaction numbers for any payments you make.

 

I am on holiday next week, but will be back on line on Sat 26th so will catch up with you then.

 

Stay positive, it will be OK.

 

Kind Regards

 

Ell-enn

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Dont forget the payment due on the Ist is in advance not arreas like some GMAC take the money in advance on the Ist of the month you must get a statement from GMAC Im around next week if you have a peoblem I cannot do as ellen does but I fought GMAC for 8 years

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  • 2 weeks later...

whoo hoo just been to court and got aggrement for my offer of paying of arrears. SO A BIG BIG THANK YOU TO ELL-EN AND BONA. THE COURT PULLED GMAC APART FOR LACK OF COMMUNICATION. SO ALL I CAN SAY TO PEOPLE IN SIMULAR SITUATION IS TO GO ON FORUMS LIKE THIS TAKE WHAT ADVISE YOU CAN GET. MAKE SURE YOU WRITE TO MORGAGE COMPANY AND KEEP COPY. AS I FOUND TELEPHONE CONVERSATION HAD CONFLICTING ADVISE. I KEPT ALL MY LETTERS AND SHOWED JUDGE. SO THANKS AGAIN TO EVERYONE WHO HELPED. AND BIG KISS TO ELL-EN (hope your a girl):D

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Brilliant News! I'm so pleased for you - and well done for being brave and showing the judge what GMAC are like.

 

Thanks for the Kiss - (and yes, I am female) :D

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Hi there

 

Just read your post and wanted to say CONGRATULATIONS. Well done and live happy

 

olivesxx

Next Directory £215 NO CCA ***WON***

 

Littlewoods Visa*** WON ***

 

Littlewoods evenmore£496.47 COURT CHARGES£296.84 PPI £575.52

Littlewoods LX £0.00 COURTCHARGES £327.68

Choices for you S.A.R owe £362.02

Additions Direct £1400 NO CCA

 

HUBBY

Bank of Scotland Prefernce account £296

Capital One £300CHARGES£1135 TAKING COURT ACTION

 

also owe big to

Bank Of Scotland £10000 sending cca reqest

British Credit Trust £6000

 

Fighting For Family

MUm,***WON ***Barclays for hardship just need to get the last little bit. Chasing LLOYDS TSB for hardship

Bro, HBOS PPI mis selling ***WON***

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