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    • They have sent all the paperwork ie ntk up to lbc with an incorrect spelling of my name. Looks like the person I bought the car off spelled incorrectly hence dvla have an incorrect spelling but I never clicked on beforehand. Firstly I will need to find the log book and contact dvla of the correct spelling. What does this mean for me as far as VCS are concerned? Should I still the snotty letter? 
    • I would certainly not advise you to use the vehicle on a day-to-day basis. The situation would become extremely complicated in the event of an accident or a vehicle theft or something. These risks are even present if you are merely using the vehicle to take to a repairer and so it would not be advisable there either. In the circumstances it might be better to rely simply on the findings that have been made so far by garages and to leave it there. That seems to me to be a reasonable approach. You could invite elite to inspect the vehicle and in fact you should make that very clear in your letter so that you can demonstrate that you have attempted to be open and cooperative in any way. I think it would be helpful if you posted a bullet point chronology of the defects which have now been identified. By the way, is now scheduled to be posted within the next two or three hours and it will include the tweet handle of Elite so that they will now see that this is being discussed on an open forum.
    • Hello BankFodder. Firstly thanks for your help with this. I do appreciate your candid response. Sorry my post was so long-winded. I am working on a 1050 character precis for the claim form! I only uploaded 2 pdfs in the end. One being the email of rejection. I will use this to send a letter and include 'after which I will sue without further notice' text.   Can I keep using the vehicle after issuing the rejection? I don't want drive it to but would need to limp it to a garage to get assessments and quotes. I would have to borrow the money to get it trailered.   I am 100% seeing this through. I cannot lose this much money. I want to get all the paperwork ready immediately so it can be issued on day 15. I will post the particulars of claim here for checking. Thanks again.
    • I've just seen your new post. A letter before action is the same as a letter of claim. You don't need a template. You simply need to inform the garage that the vehicle you bought has developed X defect, Y defect, Z defect. He has already been informed of them and given an opportunity to repair and he has either refused the chance to repair or else he has attempted the repair and it has failed – whichever is the case and so under the consumer rights act you are asserting your right to reject the vehicle and you want him to make the appropriate arrangements to collect the vehicle and to refund you the purchase price – plus any associated losses – and if he does not do so within 14 days then you will sue him in the County Court and without any further notice. Don't make this threat if you're not serious about going ahead with it. On day 15 issue the papers. In the intervening 14 days register with money claim and start preparing your particulars of claim. You can post them here if you want us to check them. Whatever you do, on day 15 you send them the good news
    • Well done Shelley. I'll amend your thread title.   HB
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Please can anyone advise

 

log book loans got a charging order on my house

- i wrote to the company thats dealing with things

they responded saying another rcompany had bought their debt and i could make an offer to them to clear ,

 

I havent contacted them yet as i didnt want to say anything I shouldnt to them

- Im so confused by everything ,

 

does anyone have any advice please ?

 

Thanks very much

Edited by dx100uk
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who was the LBL originally with

who was it sold to?

who's name is on your deeds?

did you get a notice of assignment?


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Nine regions they are liquidated now

BW legal

Just my name

No I didn’t

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who has the charge on your DEEDS now.

go look use the .gov.uk site only!!

 

so who are BW legal's client?


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Sorry fell asleep

On my deeds it says Nine Regions ltd

I contacted KRE corporate recovery who are the liquidators for nine regions - they said the debt had been sold to PRAC Financial ltd , I then received a letter from bw legal saying PRAC was their client and "pursuant to a debt sale agreement , the equitable charge has been assigned to our client .The assignment took place effect on 4 march 2016 therefore only our client cab give valid discharge of the debt

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£6,714.59, this was such an awful time in my life I was in hospital diagnosed with bipolar disorder and dont remember much of what happened , it has only come to light all this time later . I lived on my own so no-one to deal with anything when I was unable to

Edited by Andyorch
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no nine regions got the CCJ and the charge, all rights are now sold to prac.

 

so was your credit shot at the time of this loan and you had other borrowing like PDL's etc ...


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I wasn’t working at the time , I’d finished due to being so ill , no PDL nothing just needed some money to buy a cooker can’t even remember how much I borrowed not much

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not joint property ownership is it?

and this debt was solely in your name


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aw shame

so you don't have to do anything

it'll be paid If you ever were to sell...


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why?

theres no point really.

other than sitting there its not hurting you.


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then you'll pay it off when you do.

 

just type

no need to hit reply with quote just type..

makes a thread twice as long


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Single Premium PPI Q&A Read Here

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no matter...

 

you could arrange to pay it off now but pers as let your sols deal with this at the time of remortgage as its debatable if anyone should actually get anything at this stage.

 

is the remortgage imminent or just something you are thinking about.

and if its to clear debts??? then …. urm..


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

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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