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DAF / Go Debt / Hollis Briggs Solicitors repo- now chasing


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I am in need of some help regarding Go Debt. I purchased a car from DAF in 2003 and was out of work by 2004. Tried to claim on the PPI and was told that I couldn't. Hence I couldn't afford the car and it was repossessed either late 04/early 05.

 

From what I remember my husband handed back the key and log book to the car, I did not sign anything. I also don't recall them having a repossession order. I certainly never received one. I didn't want hubby to hand keys etc back but he thought it was for the best. By this time I was pregnant and not having a good pregnancy.

 

Was xferred to GoDebt and did try making some repayments but on benefits with 3/4 kids not easy.

 

Recently did an SAR on them and got a letter back from Hollis Briggs Solicitors stating that "We have not enclosed documents that do not contain personal data relating to this agreement and its management in respect of you. Please note that Go Debt Limited Holds some additional documents that contain personal data, copies of which are not enclosed as we consider that these are covered by the legal privilege exemption contained in paragraph 10 of Schedule 7 to the Data Protection Act 1988".

 

There is no mention of the repossession order, a copy of it, or any thing signed by either of us regarding the vehicle being taken.

 

Please can someone help me with this

 

Cheers

 

mpenn

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sounds like a volutary surrender

 

who is chasing you and for what amount? (solicitors or godebt)

 

please scan up what you have received minus pers details

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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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Go Debt are chasing

 

 

SAR information came from Hollis Briggs Solicitors and

 

 

the amount is £5720.32 is the total cost being asked for.

 

 

No was not a voluntary surrender.

 

 

The last letter from DAF on 4/11/04 it was saying about repossessing the vehicle.

 

 

Then someone came out to collect it

- hubby assumed it was for repossession but at the time we didn't know a lot about the law etc.

 

 

hubby said that when he guy turned up to take the car it was best to give it to them instead of making our life harder

(not voluntarily giving - assuming he had court papers).

 

 

Hence why I am asking for help.

 

 

What parts do you want scanning

if I scan the whole lot that they sent will take hours

as at least a ream of paper they have sent most of which is duplicate of something that makes little sense to me.

 

Cheers

 

mpenn

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ok first need to know the position at the time of repo

 

total of agreement

 

how much you had paid

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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From the DAFS Financial Trasaction Report

 

31/8/03 £4369.00 Amount Advanced

1/9/03 £200 Deposit Amount

1/9/03 £2612.74 Insurance Premium

1/9/03 £749.02 Insurance Charges

1/9/03 £150 Document Fee

1/9/03 £1205.96 Financial Charges

29/9/03 £185.00 Payment

14/11/03 £185.14 Payment

8/12/03 £190.00 Payment

26/1/04 £100 Payment

5/3/04 £100 Payment

18/3/04 £80 Payment

7/5/04 £215.00 Payment

14/5/04 £50.00 Payment

28/5/04 £126.00 Payment

1/7/04 £250.00 Payment

13/7/04 £370.26 Payment

24/11/04 £1550.00 Repossession Proceeds

24/11/04 £235.00 Repossession Costs Debit

£5720.32 outstanding

 

There have been other payments made since as was trying to pay it off. From 8/7/08 - 25/3/11 made payments of £900.50. Owing as at 1/10/14 £4819.82

 

Cheers

 

mpenn

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Thing is I know I was mis sold the PPI as I have a medical condition

and have had it since 1994

and not having pre existing medical conditions was ticked,

so was sold it knowing it was no good.

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looks like you were around or just over the third mark at time of repo.

 

shame you handed over the car keys & logbook

 

cca request under s79 to go debt agreement from that time may be faulty

 

post up sar narrative and statements and ag if you have it

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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why did you send your sar to godebts sols rather than the original creditor?

 

its the oc that would hold all the relevant info

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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Hoping I have done it all right and these are the ones that you wanted. If you want any others let me know and ill sort it

Edited by mpenn
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you were £170 short of 1/3 at time of repo, so sadly it was a vs

 

youre best way forward is to reclaim the ppi

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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Just found this in the midst of all my letters - now I know I never received this as looking under the blacked out part I can see the To Capital Equipment ........ something and they are saying that they sent me this on 08/11/2011 @10:41

 

[ATTACH=CONFIG]53878[/ATTACH]

Edited by mpenn
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Also might be me being thick here but on the agreement on the additional insurances side we have 10 - 21 with 14 being the down payment but the total amount payable is 14 + 17 so £200 down payment + £3161.76 the Balance Payable which = 18 £3361.76 Total Amount Payable. Surely if I paid £200 it should have been taken off not added on???? am I missing something??

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no you are not

 

 

DAF had you over many times there

 

 

let me find the person need to help you.

 

 

the more you can scan up the better.

 

 

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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both atts un=approved

 

 

1st has several pers info/ref numbers showing

 

 

2nd is a jpg too small

 

 

please PDF

 

 

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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so £65.87 of each payment ACTUALLY MADE is reclaimable PPI and then theres the outstanding PPI too.

 

 

£65.87*48=£3161.75 total insurances minus what you've paid above + 8% too!

 

 

me thinks this will make more than they are after.

 

 

 

 

like all daf agreements

 

 

you got had very badly

 

 

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

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

On one of the threads I saw that to work out the PPI part of any payment you take the cost of PPI / Cost of the loan * 100 = ??% is the PPI so in my case £3361.76 / £5724.96 * 100 = 58.72% would this be correct ???

So that I can work out the PPI paid part for all the payments made

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or use the known payments.

 

 

65.87/185.14*100=35.58%

 

 

so anything you paid that % was PPI

 

 

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

so £65.87 of each payment ACTUALLY MADE is reclaimable PPI and then theres the outstanding PPI too.

 

 

£65.87*48=£3161.75 total insurances minus what you've paid above + 8% too!

 

 

me thinks this will make more than they are after.

 

 

 

 

like all daf agreements

 

 

you got had very badly

 

 

dx

 

so how would I go about doing this? really not sure how it gets worked out

 

Cheers

 

mpenn

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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

 

So if I am reading this correct

 

So in this scenario you would put forward a claim for the total amount of the PPI premium plus the interest charged by the bank on the payments actually made plus the further 8% statutory interest on each payment actually made.

 

I put the start date and the total amount of PPI, then the actual payments of PPI in the statinsheet. Can someone confirm this please.

 

Thanks

 

mpenn

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nope

you put each payment [36% of it] that you ACTUALLY PAID

for PPI in the sheet on the day it happen.

 

 

the sheet dos the rest.

 

 

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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