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    • What should you do? Totally ignore them. Next time you are there take photographs of Athena's notice at the entrance to the car park plus the position of the others as well as any difference between the T&Cs of their signs. Also a picture of their payment meter as the T&Cs there are often different from the signs. Check with the local council to see if Athena have permission to erect signs and ANPR cameras under the Town & Country [Advertisements] Regulations -they are often online these days. Also ignore any future correspondence from them and their unregulated debt collectors and do not be afraid of ever escalating fees most of which have no basis in Law. The time to come back to us is if they send you a letter of claim where a snotty letter to them may discourage them.Also read other threads on here to get an idea of the numties you are dealing with. One amoeba has more intelligence than all the car parking rogues together. It is still worthwhile contacting Lidl even without your receipt and especially where you have a record of regular visits to them.
    • First, I'm a bit surprised that your local police force has the manpower and time to waste chasing up a complaint from a member of the public that a motability car's paperwork may not be in order, bearing in mind that most forces can't be bothered to follow up reported burglaries, if stories in the popular press are to be believed.  But if that's what the police officer has told you, that's what he's told you.   If you want to follow up his suggestion to make a complaint, check your local force's website for how to do so.  Or (bearing in mind the history of problems that you've had before) write straight to the Chief Constable (website again).   Simply say you want to make a complaint about the number of times your daughter (or whoever) has been stopped by the police for no apparent reason.  Give a list of when and where this has happened and what the outcome was (presumably that the police took no further action).  I would also add that in the latest incident the police officer actually suggested making a complaint about the number of stops.  Not only do you (or your daughter or son or whoever it is) find this police action to be extremely distressing, but you also consider it a waste of scarce police resources.   Ask for an explanation as to why this keeps happening and ask for an assurance that the police will stop doing it.   You may also want to add (see what others advise about this) that the police officer in the latest incident also told you that they had received a call from someone saying that the car's paper work "might not be in order".  Say that you are concerned that whoever made this false allegation is wasting police time.  (You may want to think carefully about this as it may not improve your daughter's relationship with her neighbour!  If the allegation came from the neighbour.)   Those are my initial thoughts but it's a bit late to be thinking clearly.  See what others suggest rather than just relying on my suggestions.   [The letter really needs to come from your daughter (or whichever family member keeps being stopped) and not you, unless you can make it perfectly clear in the letter who it is that is being stopped etc. and that you are complaining on their behalf.  Is that clear?]
    • yes I missed out an important word there didn't I 'properly' ..
    • And dx what success have you personally had when dealing with cases for people in the county court.... when pointing out the above   I have asked you several times for your direct court room experience. Yet it hasnt been forthcoming    Please prove your statement that vcs lose most defended cases ? Again what you state doesnt stand up for the reality of the court circuit
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Jd23845

Car Cash point - please help

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Hi.

 

I took out a loan with these people and have ran into arrears.

 

I have emailed them offering a payment plan of £100 for the next 3 months as I have recently been off sick and am working part time instead of full for the next 3 months.

 

Below is their reply.

 

Please could someone help me with how to reply,

whilst I can see if I can get work to issue some sort of letter i'm not happy with disclosing my medical information to them:

 

Thank you for your email.

 

As a result of broken arrangements and the level of arrears

third party debt recovery agents were instructed to recover the vehicle which has incurred further costs to the account.

 

In order for us to review your repayment offer we require that you send the relevant medical evidence and documentation from your employer confirming the short/long term change in your circumstances.

 

It is imperative that we receive the above in order to review your request.

 

We would also advise that you make your offer of payment however your account is currently not on hold until both parties can agree a mutually acceptable solution moving forward.

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None of their business

 

Is this secured by a bill of sale?


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None of their business

 

Is this secured by a bill of sale?

 

Yes it is.

 

I don't really know how to reply as I don't know what my rights are and what they can do, I can't afford more than £100 a month at the moment.

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Is this a bill of sale loan?


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Have you received a default notice


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Have you received a default notice

 

Yes I have.

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Check it is registered properly

Be back later


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post up all the docs please, minus pers info

 

Did they actually repo the vehicle? full details please


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I will post the documents later. They have not taken the vehicle yet nor has anybody been to my house. Here is an update on some emails from yesterday:

 

Me:

Whilst I am happy to send you details from my employer I am not sending any of my private medical records.

 

Please could you provide me with details of the recovery company and when this action is set to take place. Please could you also give me a email address for Mr Paul Hilburn.

 

At the moment I can only afford £100 a month until i'm back to full time - January.

 

Them:

Paul Hilburn is not currently in the office however the account was reviewed by one of the directors and other management also cc’d in on this email.

 

 

 

Further to your email management have reviewed your account with great concern and a decision has been made to accept as a minimum £300.00 recovery costs. This is an amount already paid by CCP as a result of instruction. Once this has been paid we will be happy to then accept your repayment plan proposal of £100.00 per month and cancel the instruction.

 

 

 

Please note that whilst we are waiting for you to make this payment standard recovery process will be followed. The recovery agents have left calling cards at your property with their contact details.

 

Me:

I would still like Paul's contact details. I would like a statement of my account emailed to me.

 

Please could you advise of the High Court Stamp Reference number. Nobody has a left a calling card, please could you email their information to me as requested by the end of today

 

Them:

If you forward any queries to Paul Hilburn at our info they would be forwarded to him upon his return to the office.

 

 

 

Please also see a statement of your account, bill of sale (last page) and contract attached as requested. I will also need to check the details of the third party debt recovery agency and respond to you in due course.

 

 

Basically I really don't know where to go from here.

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Not sure this is relevant but my first name is spelt incorrect on the bill of sale, making it a different name.

 

I'don't appreciate any help so I can draft an email to send today as I want to try and resolve this tomorrow.

 

I do find it strange they have told me a company has been instructed to recover the vehicle but couldn't tell me the company name. They also have stated they have left a card at my address but this is a lie, nobody has been to my address.

 

I've offered to pay £100 tomorrow when I get paid but they want £300 which I simply cannot afford.

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Are they saying they want you to pay for the repo fee upfront..I. Lost here

There can be no fees for repo if if if of happens


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Yes that is what they were saying.

 

 

My payment falls on the last day of the month,

the recent payment I missed was at the end of September,

yet from the statement of my account a £300 charge,

which they say they have paid to a 3rd party,

was added to my account on the 12th Oct.

 

 

It's my understanding they are supposed to issue a default notice and 1t days has to pass before this can happen? The 12th wouldn't of allowed that time.

 

Nobody has been to my home I still have the car and car cash point are still 'looking' for the name of the company who are acting on their behalf to come and take the car.

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they cant do that

and they cant charge for repo either anyway

 

off and bugger.

 

and no DN!! what clowns

 

not sure if its FOS or FCA complaint to

 

dx


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There probably never was a company thatwcomes to take the car. They were hoping youd roll over and pay. As for "however your account is currently not on hold until both parties can agree a mutually acceptable solution moving forward", hope they have good luck with that. Theyre gonna need it haha


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..

 

 

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I did have a default notice but the charge was added before 14 days was up.

 

The person i'm emailing currently is a credit controller, does anyone know of any higher up email addresses?

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what charge?

there is no charge for a DN


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total crap

 

but ofcourse it doesn't say that in the DN

 

that they will levy a £300 repo charge if not paid by xyz date does it?


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No it doesn't. Considering the charge was added on the 12th Oct, it's now the 30th and nobody has been to my house I really don't believe they have even instructed anybody. I just don't know where to go from here.

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well they cant add that charge anyway

even if they had repo'd

complain.

 

 

lets see if TOR drops in


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Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Just when you thought you'd heard it all

We.would like an upfront payment to repo your car😀😀😀clowns

 

How much are the total arrears and how much is your contractural monthly payment?

 

Forget emails time for a formal written complaint


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Here's the most recent update on this, still no further forward:

 

Me:

 

As advised all I can afford is £100. I can't afford to pay £300 at the moment.

 

I have advised I can provide proof through my employer I am on a phased return at the moment and therefore a part time wage, however this is temporary.

 

With regards to the £300 I notice this has been added to my account on the 12th October however it is my understanding this action can only be completed once a default notice has been issued and 14 days have passed, 14 days hadn't passed since the default notice by the 12th October, please could you advise on this.

 

Also please could I have the information requested as to who is dealing with the collection of the car. I'm also very surprised this charge was added on the 12th however nobody has been to my property as of yet?

 

I am trying to give you what I can afford however you are trying to make me pay what I don't have, I don't find this to be helpful for yourselves or me. Promising to pay what I can't afford will only mean more missed payments.

 

I feel that the emails from yourself within the last week have been confusing. First saying you would consider my £100 offer if I provided documentation and then later advising you would accept it if I paid £300.

 

Once again I make the offer to pay £100 on the 31st October, 30th November and 31st December then forward from that date onwards £175 per month until the debt is cleared. This is reasonable and within my means. Please let me know by 1pm if this has been accepted or not and also the information requested above.

 

If you decide to go ahead with the recovery I will be applying to the court for a time order this afternoon.

 

I would stress the importance of everything I have said and ask that a manager / owner of the company looks at this email.

 

I look forward to your reply and resolving this matter in a reasonable manner.

 

Them:

 

Thank you for your email.

 

Please be advised that the default that CCP are acting on was served on 29th June 2016.

We have attempted to work with you since this was issued to address the instalment arrears.

 

 

A payment plan was agreed with you in August 2016 which was unfortunately not maintained and you did not respond to our attempts at contact.

 

Third party debt recovery agents were then instructed on 12th October 2016.

This was as a result of the instalment arrears and the fact that only two payments had been received on the loan since its inception in May, this is still the case.

 

Please also note that we are not prepared to discuss the third party agents used.

 

The repossession fee is a fee that we have already paid to agents and that you are liable for as a result of the instruction.

 

 

You were made aware of this when the loan was taken out by acknowledging and signing a copy of a tariff of our fees and charges. I have also attached a copy of this for your information.

 

Car Cash Point remains committed to assisting you however by not providing the supporting documents to confirm your circumstances makes it difficult to do so.

 

Our position remains the same in terms of the amount required to cancel the instruction that being £300.00

 

 

but having spoken to the managing director as a gesture of goodwill we are happy to place the instruction on hold for a further period of two weeks, to 15th November 2016, to make this payment and formally agree a mutually acceptable repayment plan to clear the remaining instalment arrears and costs outstanding on the account.

 

This confirms that Car Cash Point unfortunately have no choice but to reject your repayment plan proposal of £100.00 per month at this stage.

 

 

A repayment plan needs to ensure that the account is managed responsibly and the arrears do not become unsustainable.

 

 

Please note that your weekly instalment is £21.06 (monthly equivalent £91.26) and your instalment arrears are £371.32 plus costs are £588.00.

 

I'might not sure where to go from here.

Today was the deadline and unfortunately a money tree hasn't grown in my garden since I emailed them.

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first read this especially 4.8.4 and 4.8.5

 

https://www.ccta.co.uk/wp-content/uploads/2016/06/Bills-of-Sale-Code-of-Practice-consumer.pdf

 

I notice despite advice above you are still emailing

 

You need to make a Formal Complaint in writing on what you have learnt from the advised link

 

\You can indeed go down the time order route

 

I would suggest for the moment as a precaution you look to keep the car in a secure locked garage


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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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