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Cls finance. Scum bags


mick1972
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i have a bill of sale for a car with CLS,

 

i lost my job 4 months ago and was struggling but kept up with the payments,

 

i took it out over 3 years and ive only 12 months left to run

 

.i got a letter saying id missed a payment so posted a cheque on sat 21st by regesterd post.

 

on xmas eve i received another threatening phone call from them saying they had not recieved it,

 

as i explained i had the receipt that it had been posted and would be tracking it,

but all i got was,

this little jumped up JOBS WORTH saying were repossessing the car.

 

After my wife heard all this sadly late on xmas eve she took her own life,

 

i have a severly disabled 8 year old son and 15 year old daughter.

 

so forgive me if I am a little grumpy

but i hope that jobs worth has had the same xmas as me.

 

also when they reposses the car i want him to do it and we will see if he can back his mouth up.

 

This will go to court and when it does my mother in laws solicitor will make em look the idiots they really are.

NOW PLEASE ANYBODY THINKING OF DEALING WITH THESE. DONT

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If you have only 12 months left to pay, I am assuming they would be unable to simply repossess the car without a court order. You say you have a disabled son, were you purchasing the vehicle with the mobility funding ?

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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

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yes i only have 12 months left to pay,but its a bill of sale and not finance,which means they can cancel the aggreement when it suits them.yes i have a disabled child but didnt get it with mobility funding

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i dont believe these idiots ive been on the phone to them toady asking when they are comming to collect the car and due to the incompitance they carnt even do that.BLOODY DEAD HEADS

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They cant come without a court order anyway.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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ive gone into it

 

they have to have a court order for hire purchases

but mine is a bill of sale which is totaly different.

 

To reposess it they have to have had the bill of sale regesterd by the court

which is very costly if it isnt regesterd it makes the bill of sale void.

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http://www.consumeractiongroup.co.uk/forum/showthread.php?283362-Have-you-signed-a-Bill-of-Sale-Take-These-Steps-to-find-out-if-Your-Bill-of-Sale-is-Registered

 

If you click on

 

holder.gifLog Book Loans / Bills of Sale

 

Which you will also find at the top of this thread then there are lots of stikkies which have information about log book loans and bills of sale, that might help. The link I have put at the top of this post advises how you can find out if your Bill of Sale has been registered correctly.

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

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Did I read correctly that your wife took her own life due to the stress that this company has caused?

 

Thats without doubt one of the most tragic things I've read, and surprised that nobody else has commented on this at all.

 

I think you should hide the car somewhere, and seek legal advice and also maybe some counselling as this cannot be doing your health any good either.

 

Maybe a call to the police too stating the fact that your wife did this because of what she heard on the phone.

 

These people are worse than radiation poisoning and something needs to be done.

 

UKD

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the police are fully aware of whats gone on as they had to attend on xmas eve.

 

the company were even on the phone threating me again on friday, after my wifes death,

also there was a threating letter arrived to my wife on sat morning, 3 days after taking her own life due to them.

 

i fully agree with ukd theses people need bringing down a peg or two,

 

after what has gone on they have met there match this time,

 

because i wont roll over like verybody else has

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In cases like this I would take legal advice

You have grounds for good case against them and they have pretty much no defence.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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they have just been for the car thismorning,

 

the guy that came was brilliant,

 

yea i didnt have a choice but to let the car go,

 

but even he said and i quote

 

"COLIN" the manager of this company is a W***ER

he said ive delt with him for years and has always been the same.

 

but he gave me a lot of advive about what to do

 

.if i dont receive within 5 days the court seal with my agreement number on

,the bill of sale is void and i can press charges against them for un lawfull repossession

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I think now is the time for you to make complaints to the regulators, OFT and Financial Ombudsman. Alternatively seek legal advice. If you speak to Citizen's Advice Bureau, they might have a list of Law firms in your area that will be able to help. You should be able to get either free or a reduced fee initial appointment to see if they 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

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To top it all this morning,

 

ive been in touch with CLS for the high court reference no which they have to have for a bill of sale,

 

only to be told "THEY DONT HAVE ONE"

 

they are now playing right into my hands,

 

ive sent a letter regestered post to the high court in london,

to find out if the bill of sale was regestered or not.

 

i also have in place a solicitor who is willing to fight my case,

 

from whot ive see so far CLS IS A BAD COMPANY.

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yes get that Bill of sale tested.

 

how did it go

 

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... 

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iam still waiting for a reply from the court

 

but as if out of nowhere

 

cls,sent me an email with a number on saying it is a referance number

 

but i think its one they have picked out of thin air.

 

The bloke that picked the car up gave me a list of companies to leave well alone and cls was one of them.

 

PLEASE DONT TOUCH THEM AYONE

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