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    • Hi Everyone, hope you are all keeping well in this strange new era.   On the 17th Sept, my friend booked a delivery to send a parcel to the USA, a vintage sewing machine. The collection and delivery was booked through MyParcelDeliver.Com, and UPS was the chosen courier. They collected it about four days later.   He paid for additional insurance along with the transportation of the item, to the tune of £128.75.   He packaged the parcel very well, packed with bubble wrap and paper and also styrofoam so that the sewing machine was safe in the box. He placed some plastic wrap over this, and he then sealed the box with tape. He videoed this for the buyer, so she could see how well he had packed the item because they were both concerned about the package being well protected.   The item arrived in the USA a few days later. The buyer instantly notified my friend that the parcel packaging was damaged, showing stress from water and general mishandling, and the item was also damaged in various parts, mainly the casing and the base.   He complained to MyParcelDelivery.Com on the1st October, they responded with 'You need to contact UPS...', which he did and also the buyer contacted them and got a response on the 2nd October.   UPS informed the buyer they would like to come and take a look at the packaging and the item, and this is the last she heard from them, she has called them several times, and always they say someone will call tomorrow and no one calls. She called my friend to ask if he could call them too and chase them up, he is Italian, and though he speaks English generally well, he asked me to talk with them on his behalf because he felt they were not listening to him or that he was missing something.   I spoke with them on the 26th October, they said they had sent my friend an email about this, we checked all of his emails, junk/spam too. There is nothing in there, I asked them to resend it, but nothing has appeared despite them saying they have sent it, we know they have the correct email address because they sent a message on the 2nd confirming they are looking into the claim of a damaged package, they also said they were planning on calling the seller 'again' on the 27th, which of course never happened, which she confirmed with me on the evening of the 27th.   Now it would seem to me that MyParcelDelivery is trying to say it has nothing to do with them, despite the booking being made through them, UPS US are pretending they are doing something but have so far done nothing, and we have heard Zilch from UPS UK.   I would like, if possible, some guidance on how to go about getting this resolved because this is just not right, the agent/courier have had their money, but the seller and buyer have been the victims of poor service and damaged goods.   If anyone could point us in the right direction on how to tackle this and get some redress for this, then I would be most grateful.   Thanks and kind regards   Mr B                 pox.pdf
    • From December, NS&I is phasing out posting warrants - a type of cheque - to winners. It instead wants bondholders to provide bank details so it can pay the money into their account. View the full article
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Hi All,

I have a big problem with my car finance company.

 

I have had the agreement since about May 2013 and

 

 

since about May this year I have had problems keeping up the repayments because I lost my job and

 

 

the agreement as of last Friday, has been terminated

I received my letter saying that I need to return the car.

 

I haven’t paid over a third so I know they can repossess when they like.

 

They've actually been quite good in the past and understanding so

I can't really fault them as it was of my own making that I am in this mess.

 

Saying that, they are however adamant that they will not reinstate the agreement going forward now and that I am to return the car.

 

The only option I have is to pay the full arrears by Friday £1550 and

they will allow me to keep possession of the vehicle but said it still won’t be a full reinstated agreement

it will be something setup with their legal team and will be on a rolling monthly repayment

and if I miss one the car will instantly be called on for repossession.

 

My circumstances have changed in the last month or so and

I am now earning good money again and the usual monthly installment comes to a tenth of my take home salary,

I can easily keep up the repayments going forward but it’s obviously too late in their eyes which is fair enough.

 

Is there anything I can do,

I have offered to pay £1000 straight up today and the remanding £550 plus the month’s installment on my payday at the end of the month

but they are unwilling to do that.

 

Can I still apply to the court for a time order even though I’ve not paid under a third?

 

Really stressing me out as I am finally straight in terms of income

but they have given me till Friday to raise the money or it will be passed to recovery agents then.

 

Thanks all

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moved you to the moneybarn forum

 

 

have a read here.

 

 

could you not VT?

thus you'd only have 50% of the HP to payout after they take off the auction value?

 

 

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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You should put your offer to them in writing (special delivery) and keep a copy of it as you may need it in the future. From experience of helping others with Moneybarn I know they tend to take a bit more notice if you put things in writing as you are likely to show it to a judge to prove you have tried to make a reasonable offer. If you need help with drafting the letter please let me know.

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Thanks both

 

@dx- I don't think I can 'voluntarily' terminate now purely because they've already served me termination notice so essentially there is no agreement to terminate.

 

@ell-enn- I would appreciate immensely any help on what I can send them, I really can afford the repayments and correct the account but I need more time than the two days they have given me, I literally have just got back into employment and starting to get myself straight, I can raise £1000 straight away but they're not interested in anything less than the full £1550 - a lot of which will be their charges no doubt.

 

If I did apply for a time order at the court and provided them proof of this could they still reposes in the meantime? The car is literally a sitting duck as I don't have a driveway or garage.

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Hi there, affixed is the letter. If you can get it to the post office tonight or tomorrow at the latest they should get it next day (sent by special delivery).

 

Incidentally, if you pay the £1,000 immediately does that take you over the one third ?

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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Thank you so much Ell-enn that's brilliant,

I will get it sent out first thing tomorrow morning via next day special delivery

so it will arrive on Sunday with signed proof.

 

I think what I am offering is reasonable, yes I've been in financial difficulties and I'll hold my hands up not lived up to my side of the agreement

in terms of repayments but I am putting my money where my mouth is by offering £1000 straight up

then the remainder cleared within two and a bit weeks,

 

 

if they repossess the car yes they can auction it off and they will still recoup money from it but no way will it be as quick as what I am proposing here.

 

I really appreciate you're help.

 

I think the best idea is send this off and rent some garage space off a friend until this is resolved

as that way when their agents do call they won't be able to recover it,

as I've heard they fit trackers in their cars so leaving it away from my house on public road isn't an option I don't think.

 

Good point regarding the one third situation after paying £1000

- I would need to do the sums and really have a breakdown of what I've already paid

as I reckon a lot of the repayments I've done recently is just covering their fines

as they prioritise them over the repayments so I've heard from research.

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Hi, look on the agreement - it should tell you exactly how much you need to have paid before Moneybarn have to get a court order,

then add up all the payments you have made and deduct from that figure

- then add the £1000 and see if it brings you over one third.

 

Never mind about how much of your payments have been allocated to charges - that's their problem. You just need to prove you have made payments totalling more than one third of the agreement.

 

I assume you mean they will receive the letter on Friday not Sunday :)

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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well done ell-enn

 

 

no power nor internet all afternoon

ruddy winds.

 

 

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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Hi Ell-Enn, I hope you are well just a little update I received a response from them as I also e-mailed a copy of the letter to them too.

 

Basically long story short is they are not changing their stance it's £1550 by today or they are instructing their goons to try and reposes.

 

I've offered them the £1000 and the remainder including this months installment in a just under a couple of weeks but obviously that's not good enough - but I tried!

 

What should my next move be should I just keep the car on private property and communicate no further until they are finally forced to lodge a court appeal or shall I tell them my intentions and make it clear I do not intend on giving up the car and will fight this at the court hearing?

 

Cheers!

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Do you have their bank details ? if so pay the £1000 via internet banking - did you work out if that brings you over the one third?

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

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Do you have their bank details ?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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I think you should pay them the £1000 now - will they take payment over the phone with your bank card? Just tell them you need to make the payment now and if they refuse the payment ask them to put it in writing that they refused.

 

You can then apply for a time order - but you will need to do it quickly.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Okay great plan! I rung them to offer payment but they said it's being handled by the asset management team and wouldn't take the call any further so I have responded to them on e-mail once again offering a payment right now of £1000 and a further payment of £761 on the 23rd of this month so I shall hopefully receive a response on that shortly which will all be in writing.

 

If they refuse which I am expecting them to do and I then submit a time order do they then have to halt the repossession process on the receipt of proof or are they still within their rights to carry on?

 

I intend on keeping the car on private property anyway so if they did reposes from their then they are doing me a favor!

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Movement! They have e-mailed me back saying they would be willing to accept the £1000 and after payment would then pass me through to the legal team to setup a consent order.

 

Should I go for this, is there a danger I could pay the £1000 and then they turn around and say well actually no we are not going to set up a consent order or can't and then continue with repossession?

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Hi, it's up to you, but if you sign the consent order and then you miss a payment they will repossess straight away. However it means you get to keep the car.....

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi, it's up to you, but if you sign the consent order and then you miss a payment they will repossess straight away. However it means you get to keep the car.....

 

Very good point, however the only other good alternative for me is for me to win a time order in court but as they're unwilling to reinstate the agreement surely a consent order would be the only way forward there too? Or could the court order the agreement continue, I'm thinking probably not?

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Very good point, however the only other good alternative for me is for me to win a time order in court but as they're unwilling to reinstate the agreement surely a consent order would be the only way forward there too? Or could the court order the agreement continue, I'm thinking probably not?

https://www.nationaldebtline.org/EW/factsheets/Pages/06C%20EW%20Time%20order%20-%20hire%20purchase%20or%20conditional%20sale/Default.aspx

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