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Fowlers Finance repo'd car off private land - no warning - also pers cash/cards/items gone missing!!


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Late payment charges are penalties. If they added it to the debt and that caused the debt to default, then complain LOUDLY as it is grossly unfair

 

As far as I know they haven't added any charges, I am not sure though as I still haven't received any contact from them re and debt even before they repossessed the car. What I meant is on my credit report (noodle) the fowlers finance is now showing as one month late for the January month.

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You just said they have added one.

 

Fowlers have added a late payment to january on my credit report today to

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Fowlers have added a late payment to january on my credit report today too. I contacted them in December for the payment holiday which they agreed too. Argh..... needed to apply for a mortgage by the end of the year, doubt ill be able to now as they will put it as a default soon.

 

Until you receive the SAR with its narrative, unless you have all the paperwork and everything was agreed in writing

 

not a lot you will be able to do about this

 

It will all be subject to formal complaint on receipt of your SAR

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  • 4 weeks later...

SAR takes 40 calendar days. If you havent got the SAR in that time, then go after them for non compliance too.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Ideally you should have awaited the sar return before

Complaining as advised

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 really needed to wait for all the facts before making a formal complaint

 

you will have to add to and continue your complaint when you receive the SAR

 

Unless you have all the correct detail at the outset, these things tend to unravel at a later stage

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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:frusty::frusty:

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

Give it a few more days for the SAR

 

Did you send signed for with proof of delivery?

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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  • 2 weeks later...

time for the failure to comply to sar letter

think that's in the library?

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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