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Specialist Motor Finance Ltd Car HP - Car Repossessed now chasing balance.


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Got finance last September for my car,

I lost my job in December and it was a struggle but all up to date,

but in June my partner started a new job,

we had no money for 5 weeks and got to arrears by 2 months.

 

I got a default notice and I called have explained why and made a payment towards it and set up a plan towards arrears.

This was all ok,

 

just had a call to say a manager has cancelled the plan and wants a payment of £558 by Tuesday 18 or they come take car away,

I told them I can't afford that and to carry on paying £180 a week towards account and clearing the arrears and bring payment back up to date.

 

They have refused this, and given me till 18th to pay!

Really not happy about this as all was ok on Tuesday and Wednesdays when they called.

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what type of agreement please

how many months in of the total are you?

 

 

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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lets guess moneybarn...:wink:

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

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

do you want to keep the car?

 

 

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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Ideally yes

as from August 8 we'll be in a better financial place to afford it,

 

it's needed to get my partner to work and my children to school as one of our children has high anxiety so struggles to get to and from school

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well the bottom line here might be a time order.

 

thers no real worth in the 50% VT option that's been mentioned anyway

that's if you don't want he car.

 

you've not paid 1/3rd yet, so your options are rather limited other than a time order

as the car is not yet classed as protected goods.

 

have they actually written yet hinting at them wanting the car or going to repo?

other than the managers willy waving?

 

you say £180per week!

 

if you get 2mins

can you scan up the agreement to PDF please

 

read the upload

 

 

a bumpy ride but a worthy read:

http://www.consumeractiongroup.co.uk/forum/showthread.php?454728-The-Funding-Corporation-Reduced-payments

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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They sent a default notice and I paid money off it and was assured that didn't matter anymore but today was told it did.

 

I'll upload everything I have tomorrow, when I can thank you I'll give that a read now

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was the DN for arrears or the full outstanding amount

and was it a DN or was it a NOSIA

 

 

oh and watchout of all manner of penalty fees they are adding for phonecalls/letters/ etc

they cannot be included in any DN total as they are not part of the actual debt.

invalidates the DN

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

It is for arrears but if don't pay by 16 then full amount or repossession but they have extended to 18th.

 

There late fees are ridiculous and every time I call to pay they charge me £2 debit card fee

 

They is an extra £0.06 on top of 2 months balance

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no I meant late fees

but that's stupid £2 for a debit card.

now you say you pay this weekly?

 

did the DN give you a CLEAR 14 days from its date to date you must pay?

 

can you scan your agreement up please to PDF

follow the upload

 

and have you an upto date statement

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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urm so both SMF and TFC use the same building and the same staff..

leave this with me

they've sent a default notice after the 2nd missed payment..urmm.should be the 3rd if my memory of the act is correct.

 

and those dates are very close 30th june 16th july hope it was sent by 1st class post

have you still the envelope?

 

more latter

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 nothing :(

 

stuggling said:
No nothing :(

 

Scrap that I may, I'll look in bill cupboard when home

 

checked cupboard and nothing :( but default notice was issued on the actually date second payment was due didn't even give 1-2 day le-way

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read me

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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That's a very interesting read, so shouldn't have had the default notice as not 3 months in arrears so on Tuesday when I call to make payment I won't say nothing, but I will be sending a lovely letter to say about the cca rules

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cant for the life of me keep thinking why you phone these fleecers?

do it by your banks interweb portal

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

your agreement must have a copy of the DD mandate that you signed

[ps why is it not still operating}

 

 

on that it will have their details.

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

your old bank will hold the details

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
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