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    • Having looked through the paperwork, I note they have sent 3 seperate LBCs. Two are in the name of FCA Automotive (1st one issued 21 Jan 2020, 2nd one 21 Sept 2022) and the last one (issued 12 Sept 2023) is under CA Auto Finance UK Limited. In the first one, they did send a copy of the default notice, but this was not sent with the 2nd LOC and neither was it sent with the last one either. The LOC is under the name of FCA Automotive.  A quick look at the default notice and I see it states the agreement start date was not the same day as the original agreement was signed. It's a day different but do not know if that makes any difference. Also, I note we received a letter on the 16 Nov 2023 which states of a 14 day notice of intention to issue claim form. Heard nothing since this court claim,  Having looked through the paperwork, I note they have sent 3 seperate LBCs. Two are in the name of FCA Automotive (1st one issued 21 Jan 2020, 2nd one 21 Sept 2022) and the last one (issued 12 Sept 2023) is under CA Auto Finance UK Limited. In the first one, they did send a copy of the default notice, but this was not sent with the 2nd LOC and neither was it sent with the last one either. The LOC is under the name of FCA Automotive.  A quick look at the default notice and I see it states the agreement start date was not the same day as the original agreement was signed. It's a day different but do not know if that makes any difference. Also, I note we received a letter on the 16 Nov 2023 which states of a 14 day notice of intention to issue claim form. Heard nothing since this court claim,  Having looked through the paperwork, I note they have sent 3 seperate LBCs. Two are in the name of FCA Automotive (1st one issued 21 Jan 2020, 2nd one 21 Sept 2022) and the last one (issued 12 Sept 2023) is under CA Auto Finance UK Limited. In the first one, they did send a copy of the default notice, but this was not sent with the 2nd LOC and neither was it sent with the last one either. The LOC is under the name of FCA Automotive.  A quick look at the default notice and I see it states the agreement start date was not the same day as the original agreement was signed. It's a day different but do not know if that makes any difference. Also, I note we received a letter on the 16 Nov 2023 which states of a 14 day notice of intention to issue claim form. Heard nothing since this court claim,  Having looked through the paperwork, I note they have sent 3 seperate LBCs. Two are in the name of FCA Automotive (1st one issued 21 Jan 2020, 2nd one 21 Sept 2022) and the last one (issued 12 Sept 2023) is under CA Auto Finance UK Limited. In the first one, they did send a copy of the default notice, but this was not sent with the 2nd LOC and neither was it sent with the last one either. The LOC is under the name of FCA Automotive.  A quick look at the default notice and I see it states the agreement start date was not the same day as the original agreement was signed. It's a day different but do not know if that makes any difference. Also, I note we received a letter on the 16 Nov 2023 which states of a 14 day notice of intention to issue claim form. Heard nothing since this court claim, 
    • Having looked through the paperwork, I note they have sent 3 seperate LBCs. Two are in the name of FCA Automotive (1st one issued 21 Jan 2020, 2nd one 21 Sept 2022) and the last one (issued 12 Sept 2023) is under CA Auto Finance UK Limited. In the first one, they did send a copy of the default notice, but this was not sent with the 2nd LOC and neither was it sent with the last one either. The LOC is under the name of FCA Automotive.  A quick look at the default notice and I see it states the agreement start date was not the same day as the original agreement was signed. It's a day different but do not know if that makes any difference. Also, I note we received a letter on the 16 Nov 2023 which states of a 14 day notice of intention to issue claim form. Heard nothing since this court claim, 
    • The UK still lags far behind its main European counterparts, both in terms of sales and reputation.View the full article
    • thanks for the block of text...................now spaced above we never told you to respond at all unless you get a letter of claim and then comeback here FIRST. i suggest you do so now. NEVER EVER enter into pointless letter tennis... dx  
    • they mention terminated in the POC, but thats a red herring and means nothing. did they ever send a Default Notice to you please? and do you have it? dx  
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Mortgage arrears barclays


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As I said in my last post, there is nothing an advisor can do that you have not already done - so there is no need to see one.

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Yep, you're doing fine :)

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OK, I'll take a look - don't panic.

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Hi, that letter is a standard computer generated one that will be sent out to anyone who is in arrears. It says field agents MAY be instructed - again this is part of the generalised letter which is run off to customers in arrears. You can tell by the way the address is printed at the top that it has just been inserted by the database - this letter has not come from anyone personally dealing with your account or any legal team.

 

I will draft you a letter to send to them in response. You will need to take a photocopy of this letter you have received plus copy of the letter you last sent them with your proposal so you can attach.

 

I'll be back shortly - stop panicking, just remember that the letter is a standard computerised one :)

 

Do Not phone them - you have already made contact and paid the first installment in line with your proposal.

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Hi, letter affixed - you need to insert dates and amount of payment you have made. Send by special delivery - and remember to keep a copy for yoursef.

 

Do you have another address for them other than the PO Box address on the letter you have just received?

Joanne1989[1].doc

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Hi no unfortunately I just have the po box address, Thank you for the Letter. Do I need to Put anything about the field agents? I will get it sent first thing as I am in work until half past 5?

What do they mean by establish occupant? Do they think I'm renting it?

Thanks again

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No you don't need to put anything about field agents - as I said, that is part of their standard computerised letter. Think about it this way Joanne - hundreds of people across the country will be reading exactly the same letter as you - they are churned out without any human touching them!

 

Establishing occupancy means checking that you have not abandoned the property.

 

Do you have access to a fax machine ?

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Have you got a copy of the letter you sent to them with you at work ?

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Why are you panicking ?

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As I explained in detail in one of my previous posts, you are a long way away from even the first legal stage - you are fortunate in that you have already made a payment towards the arrears in accordance with your proposal which shows you are committed to reducing the arrears but at a level you can afford, not the level they want which would put you in financial difficulties.

 

In all honesty if this was to go to court the judge may well reduce the amount you have offered - I've known it happen in lots of cases, especially where there are children in the family.

 

You really need to stay positive and stop thinking about what could happen - you have done everything right so far :)

 

I'm sure you'll find that after you have made the next two payments they will accept that your proposal works.

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OK, give him a ring and tell him that you have already made a proposal to the lender and started to make payment towards the arrears. Make sure you tell him that you know you do not have to make an appointment with him as you have no intention of paying for it.

 

If you don't feel up to talking to him on the phone you could send a letter by special delivery.

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He shouldn't come if you tell him not to

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It's your right not to make an appointment if you don't want to.

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