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    • Hi Slick   I am not as experienced as you is there any thing in sar that i can identify. It does not state £2.5k debt in sar. It mentions new add ons.
    • So long story short.   I had a number of re-occurring loans with Unclebuck, I made a complaint in regards to my latest one back in 2019, got to an agreement to remove default markings and charges etc and just pay the principal. Didn't pay the outstanding amount due to personal reasons, being put on Furlough was one of them.   Saw that Unclebuck went into administration, made a redress application a couple of weeks ago, got awarded £807 for previous loans (not the latest one). So I contacted the administration to confirm they would pay the redress amount towards my outstanding balance, but they said they cannot do so?   How is that fair? I get they they can't pay me any cash, but surely they should be able to write off the current outstanding amount, it has to work both ways right? This was the latest response I got, so far no reply from their solicitor yet.   "Whilst I note your comments concerning your desire to set off Redress due in respect of unaffordable loans against your current loan that was not eligible for Redress, unfortunately the Administration precludes the position of set off until the Administrator makes a declaration under Rule 14.29 of the Insolvency Rules 2016. This declaration has not been made by the Administrators and will not be made as there is no distribution or intended dividend to be made to creditors in this particular Administration. Whilst I sympathise with your position, you will appreciate that the Administrators are governed by statute and cannot contract out of it.   I promise to speak to our solicitors to see if there is any room for manoeuvre on this matter and will come back to you afterwards, however I feel that it is unlikely. As you will appreciate making an exception for you may open the Administrators to claims from other customers in a similar position to yourself and indeed from other customers that do not have the benefit of another loan to set their Redress off against."   And to further add to it, I got an email today saying they transferred the loan to a collection field agency "Conexus Recovery and Field Services Ltd "  
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    • Well as you're implying, UB, you're going to sign a better trade deal with a large economic bloc than with a small one, aren't you?   I don't think there's any chance of any deal based on a 'special relationship' while Biden's in the White House, but as I said I think Trump would have stitched us up in the end anyway.
    • Atleast 7 years, but they have already done some of the work. I think Liam Fox started this a few years ago.   My guess is that it will take 3 to 4 years before a proper trade deal is signed. There might be a mini trade deal before then limited to a few sectors.   The issue for the Brexit supporters might be when the EU and US sign a trade deal, before there is a UK/US deal. And when this finally happens UK only obtains same deal as EU. There is no reason for US to agree better terms with the UK and they would not do so  because US sees UK as part of Europe.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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Terminated contract with money way for my car


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Hi everyone.

 

I change my payment date for my car finance with money way...

 

I was advised wrongly of the changed date and rang one date late to pay my finance which I was then told was terminated as I had defaulted more than once in 2 years..

 

I fought and fought as I rang in the date I was informed was the new date but got no where with the situation..

 

I’ve then had anglia uk over the phone and coming to my house to ask me to contact moneyway or to voluntarily surrender my car which I don’t want to do as I was told a court order would be needed as I’ve paid over a third and I want to fight my corner in court..

 

Will I made aware of the court date or will it just happen without me knowing for a return of goods order??

I keep getting passed from pillow to post with money way when I do ring and don’t really know where I stand with this situation and I’m stressed to death with it..

 

Thank you in advance for any advice

Edited by dx100uk
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What means did they used to advise you of the change date. Was it by email? In writing? Simply by word of mouth over the telephone?

 

If you're doing any more telephoning then please read our customer services guide and make sure you have implemented the advice there

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It was over the phone so have no proof of it barring them recording the calls which I argued with them about. Just want to know really if I will have chance to put my point across in court or will it happen without me knowing and they will just be able to turn up and take the car??

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Have they issued you a default Notice ?

We could do with some help from you.

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And you corrected that and paid the arrears by the requisite period (14 days ) ?

 

https://www.payplan.com/advice/collection-of-debts/creditors/car-repossession/

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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Didnt ask that...lets talk about this previous default notice .

 

Did you rectify the breach ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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Excellent .......

 

So no arrears...only defaulted once and that was rectified......you just wanted to amend your payment date.

 

They cant terminate your agreement.

 

Pay here.....

 

https://www.moneyway.co.uk/make-a-payment

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

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moved to vehicle finance and repo.

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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might be worthy to send them an sar

get all the account comms details and statements?

 

have they been charging arears and letter and phonecall fees etc

as these are unlawful.

and can be reclaimed/removed

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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