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pdf them follow this:

 

**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!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

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

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

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

.

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 http://www.freepdfconvert.com/

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

...

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

.

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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These people look like real amateurs.

 

If the agreement states its a HP Agreement, yet the N1 claim form states its a Fixed sum loan agreement,

 

then i would put in an application with costs to have this claim struck out.

 

Better still, put in a defence and then get the claim struck out and CPR 38.7 might then apply on any future possible procedings.

 

Wait for more replies, that is just my spin on it for the moment.

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give you a little tip

 

don't ever believe anything welcome/IND say or send you.

 

sadly they'll [iND] will try and conjure up anything they think is good enough

 

just remember

you are 1 in p'haps 1000 people they do this to every day

 

they hope [as with 999 claims they send out]

that it will not be contested

thus nothing will ever be looked at

and they get a rubber stamp default judgement with them not even needing to goto the court

as 999 will be undefended.

 

also don't forget the gap/ppi/ and other stuff too

 

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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Share on other sites

Would you say I have a pretty good chance of having this account wiped?

 

 

What are the chances if I compile a counter claim regarding the repossession of the car?

 

 

Thanks for all you help here! I feel a lot more relaxed.

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90% of welcome/IND claims we see here get blown out.

 

get those docs up please

 

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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Share on other sites

its a s77 agreement with a sig box saying hp!

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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its a multiple agreement with only one heading, and thats a credit agreement, totally unen imo

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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That agreement you have is a pre contract agreement.

 

What needs to have happened is that you would have taken this agreement home with you

then would have received a second copy agreement in the post in about a week after you left the garage.

 

The reason for that is that the agreement has to go and be signed off by the underwriters before it becomes a legal contract.

 

Why is that agreement dated by you on the 27/03/07 when the agreement did not officially start till 17th april 2007, some three weeks later

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page 1 says precontract, page 2 is signed by welcome crucially 27/03/07

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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page 1 says precontract, page 2 is signed by welcome crucially 27/03/07

 

What does mean? That the agreement is non enforceable?

 

Is there a way of delaying the court action and ask for more time to get my defence?

:?::?:

Also, should I make an offer of a very small amount of pounds to clear there debt

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I have my views but i will let the established posters comment, it seems they do not like their authority questioned, considering this is suppose to be a self help forum

 

really?

 

questioning everything & differing views are what cag is about

 

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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Share on other sites

My only interest is to provide any help that I can to the op.

 

Based on the info we have and assuming the ag that is being relied on is verbatim the PCI ,

 

then you have a multiple ag under s18 cca1974 and to comply with the 1983 regs must have two statutory headings in bold distinguishing type

 

- An HP agreement reg by cca1974 and

a Credit agreement reg by cca1974.

 

In fact the only indication on page 1 of hp is the option to purchase the goods.

 

There are also other matters relating to payment formats.

 

IMO the ag breaches s60/61 and as dated prior to 6/4/2007 s127(3) still applies.

 

The poc seems to me an attempt to word the unwordable

 

.In addition my guess is welcome will claim you vs'd the car to them,

 

did you ever receive a default notice?

 

I would suggest as you do not appear to have filed a cpr compliant defence

and so much is involved here

 

you ask cab to recommend a local sol who specialises in consumer credit

 

and at least have a free half hour

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Thanks for your help on this guys.

 

 

I'm currently trying to arrange an appointment with CAB -they may be able to shed some more light, certainly if I sit with a solicitor that can perhaps clarify some things at the very least.

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  • 2 weeks later...

Hi Guys,

 

Just to keep you in the Loop, I was recommended a solicitor who's currently looking over all the information now.

 

Its still early days! However, the signs are positive! I will keep everyone posted guys!

 

Want to say thanks for the help getting to this point.

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