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    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
    • Hi there, the company name on the bit of paper is:   Bristow & Sutor   Says the total amount £990.49 and this includes £235 enforement stage fees,  The CTAX was owed to North Tyneside Council. The guy also said that it wasn't just for CTAX. Other debts were combined.   I did leave other debts behind too when I moved. Perhaps a utility bill, credit card debts and a Provi doorstep loan.   I think the guy said that he would be back Saturday too. This is what I'm trying to avoid multiple visits. Don't want my mam to get upset.   Thanks for the help.   Bear
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claretkoe

VT of ford pcp...confused please help

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Hi,

 

Thanks for taking the time to read and hopefully you can offer some sage like advice.

 

My partner has notified ford of her intention to vt as she is in excess of 50% of the amount.

 

They have sent a letter confirming today.

 

Firstly this letter is asking for payment for usage from her last direct debit date to the date of letter received. Is this correct?

 

She was up to date with her payments with no arrears at time of them receiving letter.

 

The car is planned to be collected from me next Friday as my partner will be at work,

should I sign any paperwork they bring or refuse?

Don't want to agree to something I shouldn't be doing

 

Finally she is over her agreed mileage on the pcp deal so I expect ford will want to charge her for this?

 

What's the correct course to deal with this?

 

do we just remind them the cca says no further liability beyond the 50%?

 

Sorry for all the questions, hopefully you can help ease our minds

 

Thanks

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No they can't ask for payment after the vt letter

And I don't think they can charge excess milage either?

 

You did send the vt letter we have here and quote the relevant section of the CCA

 

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Hi.

 

Yes used the template letter.

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1)yes they can charge to the date of termination

 

2) no dont sign any forms, except to agree a condition report if acceptable to you

ie car in condition consistent with its age

 

3)yes , although dependant on the way your agreement is written, they can charge excess mileage

this has been accepted at county court level, but afaik has not been tested in a higher court


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