Jump to content


R&J Auto Finance/GB finance and investment claimform


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1469 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi there,

 

Im not sure if im posting this in the right section, im not really sure what it comes under.

 

Me and My husband have a lot of debt outstanding with a man who has set up a finance business,

he does cars on a pay weekly rate,

repairs to cars and loans again on pay weekly rates.

in total we pay around £185 a week back.

(i know it was foolish, but when your in desperate need for money and hes willing to loan you money with no credit checks,

and doesnt show on your credit file its a slippy slope)

 

Now we are struggling to pay this money at times, and some weeks we cant pay full amount, sometimes we cant pay at all,

and obviously he is getting very annoyed at this,

 

he puts late charges on the accounts etc,

but hes been known to be very violent and verbally abusive.

he tells everyone hes well in with gypsies should he ever need to use them because someones not paying a debt.

 

Now we have asked him once of we could reduce payments,

which give him his due he did do, but he put alot more intrest on top of it.

 

Then he offered to help us out with fixing the car which we stupidly accepted as its a taxi

and we were having a few financial problems, whch of course resulted in more money each week. :-x

 

I know we've been idiots, and im not trying to get out of paying this debt,

but at the minute its a vicious circle, we default, intrest gets added, etc etc.

what can i do, if anything to get him to sort of consolidate the debt and freeze the intrest

so i can get this stupidly huge amount of debt paid off and gone, but at a rate that i can manage?

 

Any help would be much appreciated,

 

Many thanks,

Danielle.x

Link to post
Share on other sites
  • Replies 65
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

You must report this guy as he is almost certainly an unlicensed money lender. If you are not sure who to go to then try calling the CAB. If he does have a licence then it needs to be looked at

  • Haha 1

Any opinion I give is from personal experience .

Link to post
Share on other sites

So you are pretty much borrowing from an unlicensed loan shark !

 

I will try and find someone who can help..

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

thanks,

 

on the bottom of his paperwork it says he is registered with the OFT if that helps any? he cant be a loan shark though can he because we had to sign contracts?

 

 

Thanks,

Danielle.x

Link to post
Share on other sites

He might be licenced to give credit for cards, but is he licenced to lend money ? On the contract, does it say that it is regulated under the Consumer Credit Act 1974 ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

He can write anything he wants on the foot of the paper, if he is legitimate his consumer credit license number should be obvious on the footer, this sounds very dodgy to me.

 

Your local CAB or Trading Standards will be happy to check it out and follow it up if need be.

Link to post
Share on other sites

Does it give any licence numbers. If it does why not pm it to one of the site team such as citizen b who can then check it out.

Any opinion I give is from personal experience .

Link to post
Share on other sites

sorry i meant dcs registered.

 

It says he's a registered credit broker, but yet on the agreements have here where it says lender it has his name and address, and telelphone number but where it says company registration number, registered in and VAT registration number, they are left blank.

 

Danielle.x

Link to post
Share on other sites

sar him.

 

there is also no legal remit to charge ANY PENALTY charges.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Hi

 

Good advice already but is it at all possible that you could scan that agreement ensuring that you remove any personal details before posting and put on here to give us a better idea.

 

If not is it possible to write what it states minus and personal details.

 

Did the individual at all mention the name of the credit broker?

 

I have to agree send a SAR (Subject Access Request) to them.

 

If you have a look in CAGs Library (at top left of page) their is a template letter.

 

How did you find this individual to lend money i.e. friends, family, word of mouth, high street etc?

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

Link to post
Share on other sites

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

If this guy is a loan shark would a sar be either useful or beneficial. I know these people rely on fear and ignorance of the law. Just a thought .

Any opinion I give is from personal experience .

Link to post
Share on other sites

i don't have a scanner at the moment,

but have used my phone to take pictures of the agreements so i will try to upload them in a minute.

 

 

No, it says he is a licensed credit broker, but on the contract where it says LENDER: they are his details. but where it says Company registration number, Regestered in, and VAT regitration number they are left blank.

 

 

I do remember seeing framed certificates in his office saying he is registered with the OFT,

and one to state that him and his wife are licenced to trade etc.

I've googled the name and address etc and it brought nothing up about them,

bar 2 facebook check in's at the company.

 

Im not sure what a sar would actually do in this instance,

i have one or 2 of the contracts here, and they are all the same contract,

with spaces left blank for him to fill in depending on the loan amount and repayment period.

 

I found this person because he initially deals with cars and ours blew up,

we didnt have the money to replace it outright so the brother in law said he knew a bloke that works out of his garage on the side of his house selling cars etc for around £25 a week.

 

 

He took us down and we signed up.

( i know that sounds really dodgy and im kicking myself now, b

ut at the time you dont think someone is dodgy when hes had the garage at the side of the house converted into an office and he has employees etc)

 

Danielle.x

Link to post
Share on other sites

There we go (i think) they have uploaded now. Its taken me ages to try and do that haha.

 

I also have a couple of A4 sheets of paper that he has printed out and you have to sign. one being about fixed charges, stating that there are charges of £5 per un-paid account per week and £10 per letter. £25 monthly unpaid account and £10. per letter.

 

Also a £5 charge per arranged visit if a R&J Auto Finance collector calls at your house and no payment is made to them.

 

Also understand that if i have to change my arranged repayments to a lower payment per week, per fortnight, per month that i will have to pay more intrest on each of my accounts.

 

the second one says about cars on hire purchase, unsecured cash loans, and the charges for admin and documentation fees.

 

And the third one says - that all accounts are registered with DCS (debt collection services) and should you not pay then the account will be refered to them, and any fee's will be transferred to your account and added to your bill.

 

I can not find a registration number anywhere though, not on any of the paper work i have here.

 

Danielle.x

Link to post
Share on other sites

The images arent very clear, however it does confirm that it is covered by the CCA1974.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

stil doesn't make the penalty charges lawful.

 

get an sar off to him

 

and get reclaiming.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

If i were to ask if it is fleet road would i be correct.

If so they do have a current CCL

 

I do not want to put the CCL number up but i can not pm anyone. If there is another way can someone let me know

Any opinion I give is from personal experience .

Link to post
Share on other sites

Passed on to me :lol:

 

Danielle in response to your private message, I would suggest you contact your Local Trading Standards Office and see what they have to say about things.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...