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    • Thank you Bank Fodder for your reply. Il certainly do that
    • Googled it and Family Money Savers purchased the assets of Key Financial Claims, there’s also threads confirming that they have acted as agents of Key. A firm going into liquidation does not nullify a contract so whether or not you owe the money will depend on when the offer of compensation was made. I would call them in the first instance to question it, all CMCs have to record all calls now, and you can make the subject access request over the phone. The fact that it’s taken 6 and a half years doesn’t make the contract invalid. 
    • the business and assets of Key Financial Claims were bought out of administration on a going-concern basis on 10 December 2015 by connected company Family Money Savers (FMS) for an initial payment of £30,000.   addition, the company is due to receive 10 per cent of FMS' revenues from Key Financial Claims' pipeline and 25 per cent of FMS' own revenues of which the company previously received 15 per cent. ………..     pers i'd ignore them.  
    • Hi, I currently have a Court case going on against Hartley Wintney Motors whereby I am trying to reject a car under the 30-day thing, as the car broke down 29 days after I purchased it. I was notified by the Court that the Judge had ordered for it to be referred to the Motor Ombudsman for dispute resolution. TMO advised that this could take up to 6 months as they are currently dealing with cases older than mine. Yesterday, through the Money Claims portal, I had notification that HWM had made an offer. I am trying to claim back £3,100. That's the cost of the car at £2,500 + the cost of a warranty. So there offer is:  "We can pay £2500 on 23 October. You must deliver the vehicle with all keys, logbook by 23 September. If you are not agreeable, business is closing soon, and any judgement awarded in the small claims court is also unenforceable. You will then need to dispose the vehicle."   So, firstly, why should I have to return the car? It doesn't go. I would have to pay for a truck to get it back to them. If the business is closing why do they want the car? Why would I give them the car a whole month before they pay me? They could scrap the car and there goes my evidence. Is the business closing? Their website still has over 60 cars for sale. Are they just trying to force me to take their reduced offer?  I have checked on Companies House and in June they filed a notice for compulsory strike off. One week later the strike off action had been discontinued. I've also contacted TMO to try and ascertain if this offer is in conjunction with them, as I haven't received any communication from them advising the same. If my matter is still waiting to be dealt with by TMO, why would HWM just randomly make an offer, when from the beginning they have been adamant that I am in the wrong?   I would very much appreciate any thoughts from people.   Thank you.     
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hi there,

i was wondering if someone could offer me some advice to dealing with first response debt. i am currently trying to get my debts in order and i have started with the smallest amount which so happened to be a letter my husband had received from first response the final payment balance on this letter was £80 collection fee for a car that we had. we had set up a direct debit on the 9.11.2012 for the amount of $15.11 per week (every friday) this dd has been paid on a weekly basis and should have been cleared on the 14.12.2012. however first response have been taking this dd right up untill 4.1.2013 when we queried this after we received a text for an outstanding balance and phoned them (after cancelling the dd on 10.1.2013) they have said that we still have an outstanding balance £3.37 which would mean the total we have paid is just under £140.

they have told us that the letter they had meant to send us out was this final balance at that the first letter for £80 was wrong as the final payment was to include ppi payments and the final balance should be £133.78, we have overpaid without them giving us the right information and i was wondering if anybody could give us some advice on how to deal with this situation? are they right? are we owed cash back from this company?

many thanks

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Get on to the original creditor and reclaim the PPI and all charges. If you do not have the relevant information I would suggest that you send a Subject Access request, unfortunately there is a £10.00 fee for this information, nevertheless you may well benefit financially from the process.

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Get on to the original creditor and reclaim the PPI and all charges. If you do not have the relevant information I would suggest that you send a Subject Access request, unfortunately there is a £10.00 fee for this information, nevertheless you may well benefit financially from the process.

 

 

First response is the main/origional creditor, it was finance for a car and they refused 2 give my husband the loan unless he took ppi. I didn't think ppi was mandatory and also don't understand how they can still ask for ppi payments after the initial credit payments have been stopped?

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First response is the main/origional creditor, it was finance for a car and they refused 2 give my husband the loan unless he took ppi. I didn't think ppi was mandatory and also don't understand how they can still ask for ppi payments after the initial credit payments have been stopped?

 

Without seeing the agreement it is difficult to answer this particular question, however it makes no real difference as the PPI was clearly Mis-sold and should now be reclaimed along with charges.

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