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I need some urgent assistance.


I took out a logbook loan with a company called varomma.


I have defualted on payments.


they have on several occasion sent round balliffs,


but as the car is in a locked garagre they have not been able to get it.


I contacted them last june

had been made redudant suffered a bereavement and

could not make the 500 a month payment but

offered 200.


sent banks statemnets and debtline budget sheet showing what i could afford i had no response,

however they took 2 paynets of 200 in july.


i contacted them in september again


writing to them stating my case no response, until


january this year when


ballifs came round and threnatened me with high court writs and the fact that they can break down my doors etc.


I have 4 little chiuldren on my own

i broke down and then agreed to find 4000 pounds and then 200 for 10 months.


I have not been able to do this


they now say pay 1000 by the end of the week and we will agree to taking 300 a month

although they have alredy sent the matter to repossesion to get a high court writ


worried sick and frigthened what can i do?


thanks for yourhelp in advance

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was this a loan against the car


or for the car


have you a bill of sale


what was the original loan figure and when did you take it out


what paperwork do you have?

can you scan it up please?


**you can post up images/letters by this method immediately..you don't need 10 posts**


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!!



ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.


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


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


DO IT IN MSPAINT.EXE or any photo editing program

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



if you have multiple scans/pics

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

or http://www.freepdfconvert.com/


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


YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done





I doubt they were bailiffs but a repo firm [ no legal powers without a court order]


, name them.



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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