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    • Piers aint that bad (recently amended opinion)  
    • It looks as if you have been completely ripped off. I'm sorry about that but frankly I don't think there is much you can do – and believe me, it is not often that I say that on this forum. I think it's fairly clear that there has been a deception here and although it won't help massively, I would suggest that you report the crime to the police. They will try to say that is a civil matter and you will have to stick to your guns and say that no there's been a deception, that this man is selling cars in an unroadworthy condition and probably he is committing tax fraud offences as well. I'm afraid that there doesn't even evidence that you have the correct name. It seems entirely possible that such a person simply doesn't exist. I don't see any point in beginning a legal action because if you don't even have the correct name for this dealer, then a judgement recorded against his credit file will make absently no difference at all and you will simply incur the costs of bringing the claim. I doubt very much whether he would bother to respond to a claim or to put in a defence. If he did put in a defence then if you wanted to move on to the hearing stage you would have to pay another fee and this would simply put you even more out of pocket – probably to the tune of about £250 or so – and as it seems very unlikely that you could ever enforce the judgement, you would never get any of this money back. I'm sure you feel very bad and very upset. The only other thing you should do is start going around the review sites and putting up negative reviews about this person and his business – and business names. At least it will put other people on guard and you never know, you might stumble across other people who know more about him and actually know who he is. If you do decide to inform the police then you should tell the police that he is trading under a false name. In terms of your car, I'm afraid that the only way I can suggest to cut your losses is to have the work done. It means that you are £1000 down on the deal – but at least you will have a driving car. However, before doing that I would have the car thoroughly checked over to make sure that there aren't any other defects which are about to materialise which might eventually make the car is simply not economical to repair. You said that there was an MOT certificate in the glove box. Is it a recent MOT certificate? Are you able to speak with the previous owner at all?  Cagger @Daniel Hanson who has also bought a vehicle from the same person may be able to help you in this respect. It seems that he has been lucky enough not to have any problem so far with the car that he bought. I think at the very least, the lessons to be drawn from this are: Don't purchase a used car – or any car from a dealer who is far away from you make sure you check the car yourself make sure that the dealer is well established and do some research on forums and review sites for negative reviews and positive reviews. However, be suspicious of positive reviews. Don't pay cash/bank transfer. You lose all control of your money. Insist on paying by credit card or debit card and if the dealer won't accept it then walk away. Ignore warranties. They are meaningless and they are simply a red herring intended to distract you from your statutory rights. However, as you are discovering, even your statutory rights are meaningless if you are unable to identify the dealer and if you are able to identify any assets belonging to the dealer against which you could enforce judgement. Please do let us know how this develops and if you are able to track anybody down. As I say, I think you should certainly inform the police – but it will be a hard job to get them to take notice because they will simply try to say that it's a civil matter and there is no evidence of a crime. You will have to push hard.
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Specialist Motor Finance Ltd Car HP - Car Repossessed now chasing balance.


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I've opened it.

 

Please continue there

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Thank you for opening this back up. 
 

i logged into my credit file and today noticed that they had put it on my file with 2 years of default!  
 

I have still not received the SAR and no response for it, when I asked again this morning I got a response that they closed it in March and I owe the money. 
I did say I’m still awaiting on the SAR but they haven’t responded . 
 

I was hoping to move and now I feel I won’t be accepted as this is now on my file and is for nearly £8000 

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I haven't gone through the thread yet – but am afraid that you will have to learn that these things don't go away. You have to deal with them and make sure that you have put the issue to bed.

So far as I can gather you sent an SAR a couple of years ago and it wasn't satisfied and you didn't do anything about it. You should have taken action then and asserted yourself. There's no point in making statutory demands for information which have statutory deadlines then with a data processor doesn't comply, you just sit back and do nothing. What's the point?

I think that given the amount of time which has passed, that you should send them a new SAR. Send it today and then we'll go from there. This time don't let it go.

Meanwhile I'll try and have a read through the thread and see what is happening. However, once again – if you just let things go then eventually they will come back and bite you

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Yes, send off the SAR. It doesn't cost anything and there's nothing to lose. However, this thread needs a closer look at and I expect that my site team colleague @dx100uk who was helping you will need to refresh his memory as well and give you a better idea where you stand.

So far I understand that you fell into arrears with your motorcar finance but they then agreed to an instalment plan which they then reneged on. If you kept the instalment plan correctly then they were wrong to renege on it. But we need more information from the SAR and also we need to understand the whole story.

However, only say that even if there was an instalment plan, if you went into arrears on the finance agreement then that would probably still be grounds for marking your credit file – even if you had been keeping to the instalment plan. It seems very unfair – but I'm afraid that's the way it is.

Send the SAR anyway

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Ok thank you, 

 

i defaulted but cleared the default by the date needed, and I fell into arrears again but they repossessed the car on the original DN. even with an arrangement to pay (which they didn’t agree too but i maintained payments, I’ve managed to find my bank statements to show this, as I know i commented I missed a few payment with the plan but I found payments made to them) they sold it and now I’m left with £8000 to pay.

I’ll await the SAR response, thank you 

 

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45 minutes ago, stuggling said:

i logged into my credit file and today noticed that they had put it on my file with 2 years of default!  

you mean the debt buyer has...who is?

and is this the defaulted date of the original one from the DN that you satisfied? 2017

so 2yrs to run is correct..

 

what happen with the Time Order?

what happened with the FOS investigation?

 

 

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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It’s still with the original company, I’ll dig out the FOS stuff I think they were waiting on a response from them which was sent in March this year (but I’ve not had anything) 

 

I was never able to do the time order due to costs

 

I know I’ve made a mistake not chasing it all and sorting 

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53 minutes ago, stuggling said:

they sold it and now I’m left with £8000 to pay.

sorry i misunderstood , i will gather here you mean the car not the debt?

 

the defaulted date on your file is the correct one of 2017?

 

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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ok so why is this correctly now appearing on your credit file an issue?

did you agree to the repo and give them the car or they just took it ?

 

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 didn’t agree to the repo the guy came every day and ended up blocking my neighbours drive (were the car was stored)  for 6 hours, the neighbour needed to leave and caused a huge commotion and he ended up taking the car. 
 

im not sure as to why now I’m hoping the SAR will show this, but as it’s correctly on there I can understand it needs sorting, 

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if you can prove that you met the sum owing on the DN by the due date, and a further DN was not issued...this seems like unlawful repo and you should get back the sum of the cars worth and all your payments, as detailed earlier in this thread.

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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Is your neighbour prepared to make a written statement?

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It would go fine. Don't worry.

Please ask them to write a full statement – well spaced – lots of paragraphs saying exactly what happened date time who said what to who who did what to who et cetera.

Post it here and we'll  have a look and then see if we can't turn into something that looks a bit legal. It may be extremely useful at some point.

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  • Andyorch changed the title to Specialist Motor Finance Ltd Car HP - Car Repossessed now chasing balance.

Topic title updated.

 

Andy

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