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roadhog1

Ruthbridge chasing old Direct Auto Finance Yes Car 'debt'

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Hi,

 

Im posting SAR tomorrow.

 

Which part of the S79 request have they not complied with?

 

It was Mortimer Clarke who wrote to me a few months ago,

DLC provided the agreement,

 

I havent heard anything further yet from Mortimer.

 

What is it that DLC have not sent me?

 

I am not intending on making any proposals at this time.

 

thanks

 

RH

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read your thread already answered


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Is it the terms and conditions part that they havent complied with?

 

Rh

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post 43.

 

 

Is that the lot

 

3pages of t&cs missing


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Ok, ive just looked at the letter.from dlc and it says please find enclosed a copy of your original agreement, terms and conditions plus a transactions list....definitely no t and cs enclosed. Im guessing i now write back to say they havent complied because they werent enclosed

 

Rh

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nope

you don't tip them off

 

 

sar to daf that's all you need to do.


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I sent a sar letter to direct auto but they have written back saying signatures didnt match and want passport or drivingnlicence plus proof of current address. Is this normal and if so shall i just go ahead?

 

Thanks

 

Rh1

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Have you moved since you took this out?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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Hi,

 

Yes. I did provide them.with all addresses though

 

Rh1

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did you include a copy of your current ctax bill as the sar said then?


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No i didnt actually i must have missed that part when i read the notes section. I will write back then with the items they want.

 

Thanks

 

Rh1

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Hi,

 

So this matter continues 18 months later.

 

Mortimer Clarke have now sent letters with income and expenditure forms which I ignored and then another letter giving me 30 days to get in touch and make an arrangement or else they may issue.

They also provided the missing terms and conditions.

This is now without a doubt statute barred as last payments were in 2011.

 

Shall I just ignore and let them issue then defend with statute barred?

I cant recall now whether I got a response from my SAR after providing them with my council tax bill (earlier threads).

 

I will send another SAR letter in the meantime but just wanted to check that statute barred would be a complete defence and if so should I respond by letter to Mortimer Clarke indicating statute barred say or just sit back and wait for them to issue?

 

 

Thanks

 

 

RH1

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no send our SB letter from the debt collection forum of our library.....

 

was the letter entitled letter of claim

 

mentioning pre action protocol

and with a reply form & I&E sheet?

 

dx


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Hi,

 

 

There is a front page which said we need your attention, potential legal action. Then a letter saying if I do not contact them within 30 days Cabot may ask them to issue court proceedings and ask for a ccj against me. Then attached to the letter there is are two pages entitled 'Letter of claim details', a reply form, I and E form and direct debit form. It looks like they mean business.

 

 

Thanks

 

 

RH1

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right so it is a PAP letter then

 

do as post 4 here

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017

 

use OUR FORM!!

state the debt is in dispute because it is statute barred

staple our SB letter to the form

no CCA needed

 

no sigs needed


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

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Great, thanks for your help. All done and ready for posting.

 

 

Thanks

 

 

RH1

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about time you tried getting that ppi back properly too...


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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