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    • Just for info   Family member had oxford A/Z jab and had 40 degree temperature for 24 hours or so the day after Seems to be OK now and lateral flow showed negative for what thats worth
    • Start off by listing the DCA's and the amounts please
    • I understand that you may have suffered an injury and that you have memory problems. Obviously is not a good situation. However, you have to engage with this thread closely if you want to make headway. It is difficult for us to take an interest and then find that there is no contact for two months and then we have to start again refreshing our memories and being enthusiastic about supporting you. If your lack of contact is because of a memory problem then I think that you probably should make a note on a Post-it or something and put it in a prominent place so that you can remember to get back to us. It is very important for you – because you can be certain that the one people won't forget are Vodafone and eventually their debt collectors who will start to put pressure on you and start to make your life very uncomfortable indeed. I see that back in January I advise you to send Vodafone an SAR. Have you done this? It is an essential step. Also, as a matter of interest are you still with Vodafone? I'm afraid Vodafone are a very troublesome company. They are very inefficient – the only thing they seem to be really good about is about debt collection. There are extremely poor at dealing with problems when things go wrong. The one company we haven't had any complaints about so far is GifFGaff and they offer month by month no contract Sim cards. In effect they sent Sim cards out like confetti and no contract is ever started until the Sim card is actually activated in a telephone. This means that there can be no mistake and no commitment until you have actually made the choice to open your phone, put the card in and then to switch on the service. Even then, you are only bound for a month and then another month and then another month and another month – but you choose. As I say, we've had no complaints here. Have you sent Vodafone the SAR?
    • Dear New Tenant   L C S !st Floor West Wing Town Center House The MerrionCentre Woodhouse Lane Leeds LS2 8LY   02/03/2021   Our Case Ref xxxx Re Our Client E.On   Outstanding balance: £37.xx   FINAL NOTICE   We have been instructed to act on behalf of the above named client to recover the sum of the outstanding of £37.xx for dual fuel consumed at X Whatever Road, Sometown , Anyplace. Despite our previous communications and offer of help we have not received payment or valid reason for non payment for the outstanding balance.   Until you have cleared the outstanding balance, your details may continue to be shared with a credit reference agency.  Other lenders may see information about the way you pay our client and the amount you owe them which could affect your ability to obtain future credit.   In order to prevent any further action and potential inconvenience, we would urge you to pay the full sum immediately or alternatively contact our office on 03445439130 quoting Ref xxxx to discuss your options. Alternatively please email us at [email protected] quoting your reference.   Yours sincerely   Rebecca Carter For and on behalf of LCS   I suspect this is the kind of letter they send when they know they are stuffed?    
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    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
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      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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Black horse car finance problem


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I bought a car via black horse in march 2011.

the amount of credit shown on th credit agreement is £5499.85 over 60 months.

 

I VT'd due to loss of employment in jan 2013 after making £2859.89 worth of payments.

 

The car was auctioned for £1821.

 

My halfway payment on the agreement shows as £4611.22.

 

so total received by BH is £4680.89 (more than the halfway payment)

 

I am now being chased for £1203 by mackenzie hall.

 

My question is

can i include the sold price to the halfway point or is it payments only?

 

also, they have charged me a £25 'repossession fee' i thought it was supposed to be free.

 

I've looked but cant find the answer to question 1 anywhere.

I'm hoping someone here can clear this up for me before i start contacting them.

 

Thankyou

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I bought a car via black horse in march 2011.

the amount of credit shown on th credit agreement is £5499.85 over 60 months.

 

I VT'd due to loss of employment in jan 2013 after making £2859.89 worth of payments.

 

The car was auctioned for £1821.

 

My halfway payment on the agreement shows as £4611.22.

 

so total received by BH is £4680.89 (more than the halfway payment)

 

I am now being chased for £1203 by mackenzie hall.

 

My question is

can i include the sold price to the halfway point or is it payments only? payments only i believe

also, they have charged me a £25 'repossession fee' i thought it was supposed to be free. correct

I've looked but cant find the answer to question 1 anywhere.

I'm hoping someone here can clear this up for me before i start contacting them.

 

Thankyou

 

 

sounds like they are pulling the old 'damage to car' sting.

 

 

sar time to get all the details?

 

 

you've paid more than half so they can go swivel!!

 

 

and get that repo fee back

and any other penalty fees they charged you

as well as any stupid insurances or GAP they charged too!

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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I am sending a SAR to them.

the reply was a bit confusing because it states 'payments only i believe' then says 'you've paid more than half so they can go swivel!!'

I will let your know how i get on with the SAR.

 

Thanks for your help :)

 

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That's easy to check. The agreement will have 'total amount payable' and you will know your monthly payments and how many you made. If payments made comes to half (or more) of 50% of the 'total amount payable', then you can VT.

 

The terms of the VT must be in the HP agreement you signed.

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to answer your original question, under the terms of vt, no you are not entitled to the auction proceeds, they compensate the lender

for their 50%of the agreement

 

SAR is a necessity, and lets see the original agreement minus pers details please

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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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You've circled the VT amount but what is also important is the word 'reasonable' where it say you must take reasonable care of the car. That means they cannot expect a pristine or brand new car to be returned.

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not a good idea to be conversing with a DCA on the phone.

 

 

they are NOT bailiffs

and have

NO SUCH LEGAL POWERS

 

 

writing only

 

 

put the phone down.

 

 

always force a papertrail.

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

 

This is a little confusing. Has there ever been a county court judgement on this account or has there ever been arrears which have caused the account to default ?

 

Have they ever confirmed in writing that this vehicle was taken as the result of a voluntary termination rather than a voluntary surrender.

 

In either case there would have to be a judgement before they could legally enforce the debt, but the sums due would be different

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Basically there are two ways of terminating a hire purchase agreement before the term has elapsed.

One is via voluntary surrender. This is where the car is returned and sold at auction, the sum raised at auction is subtracted from the balance due on the contract plus any default charges, the balance (if any) is then returned to the hirer

 

The other is by voluntary termination under section 99-100 of the CCA, this can be done at any time before the full amount under the agreement is paid.

There will be a figure on the agreement which gives the sum(one half of the total amount payable) which must be paid in order for the hirer to walk away with nothing further to pay, however he looses entitlement to any funds raised by sale of the car.

 

The first method of applying payments the one used if the vehicle is terminated on default(after the issuance of a default notice).

 

If the agreement has been previously terminated because of a default or missing payments , but he lender has agreed to let the hirer continue with the agreement, a VT cannot be made, the account has already been terminated.

 

Collecting sums still due under a contract terminated by either method will require a court order.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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  • 2 weeks later...

ok so voluntary surrender, vt rules do not apply

lets see all the figures on the agreement and list your payments made please

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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you said in post 1 you vt'd

 

 

where did this come from

or just you using the wrong term

because you knew nothing about how vt/vs worked

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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Yes that is why I posted the explanation re. the difference, obviously either not read or not understood.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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having looked at the bare facts that have been given more closely

it would seem that BHF have treated this as a vt

half the agreement £4611.22

less payments made £2859.89

less deposit paid £595.15

leaves total to be paid to complete vt £1155.28

add the £25 repo fee, plus one late charge of £25, would leave a balance payable of £1205

mackh chasing for £1203 so pretty close.

 

had it been treated as a vs they would be chasing £3946 approx

from what I can read of the part agreement as posted up

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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Does the VS value include any credit for the car, or early settlement ?

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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