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    • are we getting there now .thks DEFENCE  The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. the claimant replied to a request made under a pre action protocol   letter of claim  and a Consumer Credit Agreement request , pursuant to s.77 of the Consumer Credit Act 1974 )request made   on 19/11/2018 the reply contained  incomplete reconstitutions and with  with documents missing from the list in my request a cpr 31.14 request was made to the claiments solicitor on  02/06/2019 which the claiments solicitor has refused stating cpr  31 does not aplly even though no track has yet been allocated  1- The Claimant claims £657.10  is owed under a regulated loan agreement with  money in advance r. I did not recall the precise details or agreement and have sought verification from the claimant and the claimants solicitor by way of a Section 77 and CPR 31.14 request who are yet to fully comply. 2-the  Claimants statement regarding the assignation of the debt is denied. I am unaware of any legal assignment or Notice of Assignment allegedly served on the defendant from either the Claimant or  money in advance  3 The claimant has produced  a reconstituted version of  the original agreement , it is considered that this is not a true copy of the executed agreement as it is the claiment has yet to  produced a copy of any legal assignment of this debt 4 It is therefore  not accepted with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to: a) Show how the Defendant has reached the amount claimed for  b) Show the nature of the breach and evidence by way of a Default Notice pursuant to sec 87.1 CCA 1974. c) Show how the Claimant has the legal right, either under statute or equity to issue a claim.  d as  per Civil Procedureicon 16.5 it is expected that the Claimants prove the allegation that the money is owed.
    • There's a difference in buying a car privately or at auction, and buying one from a retail seller, regardless of the price. buying from a dealer you have certain statutory rights as a consumer, and you pay a premium for the supposed benefit of buying from reputable source.    An engine management light could be a minor problem, the issue here though is that the seller delivered the car with the light on, then dumped it and made a quick exit, that gives a fair idea of his attitude to customer service. If the engine management light came on while the car was in the process of being delivered, any reasonable seller would have told the buyer the light had come on and taken the car straight back to sort it, not done a runner and hoped the customer wouldn't notice.
    • And....   It’s a £2500 end of life banger. If it gets from A2B it’s fit for purpose. What are you actually trying to say? 
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    • My personal experiences of Future Comms 
       
      Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!
      • 0 replies
    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
        • Like
      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 5 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
nickimogs

Anyone know anything about Car Cash Point Ltd

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Hi I stupidly took out a log book loan with this company in June.

 

Unfortunately due to my financial situation have recently fallen behind in my payments by approx £900 (the original loan was £4500)

I have been in regular contact with them via e mail & asked if they could change my weekly repayments & let me pay off the arrears £100 per month

but they would only reduce it by £10 a week which didn't help much.

 

I have now been told that the matter has been sent to there DCA company.

 

I have emailed them to say I can pay some of it on the 20th Dec & asked for a final settlement figure.

 

I received an e mail this evening to say unless I pay tonight they can no longer help me & gave no settlement figure.

 

I'm really worried as I can't work without my car and therfore could lose everything also my husband doesn't know about the loan and would hit the roof.

 

What should I do next?

 

will the DCA company let me come to an arrangement or will they just turn up & take my car?

 

help & advice would be very much appreciated as I'm not sure what to do next.

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Hi and welcome to CAG.

 

Not my ball game unfortunately but I will flag this up to the team and see if someone can help.


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Hi thanks for the info

I haven't had a chance to go through it properly yet but I will tomorrow.

 

They have sent me a settlement figure which includes a £300 from them a £310 fee from a company called burlingtons & a £60 storage fee!!

 

Over £5000 in all

 

has anyone dealt with burlingtons?

 

I have asked car cash point to give me until tues to pay the arrears

 

they refused I also e mailed burlingtons asking what the procedure was once instructed.

 

I am so so stressed & worried that they will just arrive & take the car at any time.

 

Please help the more info I have the better thanks

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Hi I posted on here over the weekend as I was about to lose my car through a log book loan with Car Cash Point.

I had got myself into some financial problems & had arrears over £800.

 

I had been in contact with them via e mail but was too scared to phone them face to face especially after reading all the horror stories about other log book loan companies.

 

However Mr Paul Hilburn contacted me this morning & couldn't have been more helpful.

 

I was very stressed & quite upset about the very stupid situation I had got myself in & didn't know which way to turn.

 

At the end of the day I had borrowed the money & they were perfectly within their rights to take the car,

however Paul was amazing & they have put together a new repayment plan for me which is now affordable.

 

All I can say is not all log book loan companies are the same & they definately deserve their number 1 title.

 

They were very understanding and I just wished I had contacted them earlier.

 

I can now look forward to a very merry Christmas

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thats good news

 

i sincerely hope you are not however going to pay any unlawful late charges etc

there is no legal remit to allow these to be levied

 

 

 

dx


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Theyve probably already been written into the new "repayment plan" dx

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I posted on here last week regarding a problem i was having with Car Cash Point (cant find it now), but i just want to update the situation.

 

The next day i got to speak to Paul Hilden of CCP and explained to him what was going on. He said he would look into it and try and find out if there was anyway he could help.

 

Within an hour Paul rang me back and proposed a solution that was very much acceptable to me and due the misunderstanding made a reasonable concession on my account.

 

The moral of the story is, although CCP are a company out to make money..................if you do fall into financial difficulties, speak to Paul before panicking. Like most companies if they can help, they will.

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Worries me when people take out Logbook Loans. These guys are in the business of ripping people off, I've studied this kind of loan fairly extensively recently and its clear that 99% of them are very unforgiving when it comes to trying to help you get out of the debt because at the end of the day, they have your car as leverage. Just take a look on Google for all the lawsuits filed against Logbook Loan companies recently.

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Well just had my car repossessed by them a Paul Hilton was not helpful making a complaint now

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yes the staff are nice when you take out the loan

promise you the world

paul is nice at 1st then as soon as you want anything its a no or unlawful charges

avoid at all cost if you can

 

took a 6000 loan after paying 10 months i decided to pay the loan off managed to get another loan to pay them

 

i got a loan with 1500 intrest ontop yes high but mutch better off paying 7158.46 and get rid off them

I paid 480 a month for a 6000 loan

i paid this for 10 months i asked for settlement figure

 

and after paying them 5700 in total the loan only went down to £5,658.46 for loan of 6000

so thats 341.54 off the loan and 5659 to them in intrest

 

avoid at all cost

 

very easy to get loan THINK THINK THINK before taking it

 

once you accept it unless you can pay it back very fast intrest is stupid no way out i would of paid back £28800.00 over the period of the loan

 

also if you are in the position to settle and get these robbers off your back

 

BEWARE BEWARE BEWRE early settlement charge in small print 480 if you decide to settle early

 

and once you decide to settle and say good riddens

they are not happy and VERY VERY RUDE total different from the start.

 

my advise to anyone thinking of getting a loan

before taking out this option shop around there are lots of other companies better than them

 

also check the reviews on other site then you get to see the real carcashpoint reviews

 

and they delete bad reviews

 

p.s AVOID on all occasions!!!!!!!

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