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Hi.

 

My friend bought car on finance,

total payable including fees and interesta was 19.356.72

Last payment he made got him down to 12.935.39

 

MotoNovo started repossession.

The taken the car and now want him to pay another 6.920.22

 

I'm looking at his statement and don't get what all this means,

 

can someone explain please:

Write off rebate: Credit 2.259.03

Write-off option fee: Credit 125

Write off: Credit 5436.76

 

at this point debt is 5.683.93

 

than we have:

Transfer to recoveries:

Debit 6.920.22 which make debt back to 12.604.15

 

then:

Payment: Credit 11.215.86

and at the same time Debit 5607.93

 

Payment: credit 152 and Debit 76

at the end balance is

6920.22

 

Can someone explain whats going on with this?

 

Also one more question,

he bought van recently (second hand, worth about 1500-2000)

he is using it for work,

can they repossess this van even he is using it for work purposes?

 

Thanks

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No they can't take anything not related to the finance

 

They are not baillifs

 

Why oh why did he voluntary surrender the car!

Never ever do that

Always voluntary terminate an HP agreements

 

Can you scan up the agreement please

Follow upload

 

I bet he got charged a reported fee 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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No they can't take anything not related to the finance

 

They are not baillifs

 

Why oh why did he voluntary surrender the car!

Never ever do that

Always voluntary terminate an HP agreements

 

Can you scan up the agreement please

Follow upload

 

I bet he got charged a reported fee too???

 

Dx

well he did't know about that he could terminate the agreement,

I did found about it this morning as well when I started looking what he can do now.

 

I don't have his agreement, not even sure if he still have it.

 

 

I will scan and upload his statement this may tell you something.

 

what is it 'reported fee'?

thanks for help

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send them an sar

 

 

no good trying to speculate

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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Ah that's good

If you go reclaim every fee listed

And the warranty

And the gap

 

He owes nowt!!!!

 

Sorry he has been had blind there

 

And a £510 repo fee...what totally unlawful the lot!!

 

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

could you help me with that as I don't really know which way to go now :(

as you can see case started in 2011 he was ignoring it for long time, now is the time to start getting everything sorted.

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every fee in the CISHEET

each on its own line

treat as a penalty charges reclaim

put their int rate in box d15

 

 

treat the gap and warranty as one

then treat as PPI

read link 1 below

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

doubt it

that simply what they claim was outstanding at that point.

 

 

prob transfers to recoveries section within the same company. MN

 

 

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

Just found on the net that if he paid third of the debt and they repossessed without the court order he will not be liable for the rest of it at all, is that right?

seems like he paid over £8000 out of £19.356 so that well over the third of the debt.

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not right

just means they cant repo without a return of goods court order

or his permission, hence he got done over by them doing a VS

 

 

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

not if he agreed

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

I will have to ask him how did that happen as I'm not sure.

 

don't you think that this 6920.22 is charge for parking of the car while they were trying to sell it?

 

when you add up all payments and write-offs it comes to 20128.52 that he paid and the debt was for 19356.72

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I will have to ask him how did that happen as I'm not sure.

 

don't you think that this 6920.22 is charge for parking of the car while they were trying to sell it?

 

when you add up all payments and write-offs it comes to 20128.52 that he paid and the debt was for 19356.72

???? If you are going to help him

 

You need to get your brain engaged...

 

Why the heck is that anything to do with that¿????

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
???? If you are going to help him

 

You need to get your brain engaged...

 

Why the heck is that anything to do with that¿????

well I'm thinking about anything they could do. can't see explaination for this amount, it has been debited from nowhere.

will see him today so he maybe able to tell me more about it, maybe more paperwork related to the case.

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the £6k is the bal transferred to their recoveries dept to chase it

 

 

nothing to do, nor does, storage come into it

they cant do that.

 

 

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

thanks dx

I did speak with him and he said that they repossessed the car during the night, he has the keys but there were his tools in the car and they said they will give him tools back for the keys. he still have log book

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where was the car repo'd from

road or private drive

 

 

and who were the repo agents?

 

 

they ARE NOT BAILIFFS

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

shame it was from the road

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... 

Link to post
Share on other sites

What we need to establish is the exact date

of the repo,and the exact balance outstanding at that time

 

Also all the detail surrounding the repo

So a full SAR is a must

And a CCA request under s79

 

If you have a copy of the agreement please post it up

Minus personal details

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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What we need to establish is the exact date

of the repo,and the exact balance outstanding at that time

 

Also all the detail surrounding the repo

So a full SAR is a must

And a CCA request under s79

 

If you have a copy of the agreement please post it up

Minus personal details

He does't have agreement.

 

 

He is looking for all the paperwork.

 

 

SAR is probably the only way to get it from them.

 

 

I will get him to do it and than report back.

He said to me that he was told if he give them the car keys they would't ask for more money from him.

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CCA as well

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... 

Link to post
Share on other sites
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