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    • Hope we're in the correct place. Have, today, received a court order for a car loan debt taken out in 2015.  The car loan was issued solely to my (vulnerable) wife, based on her annual income (at the time) of around £9000. The loan repayments were set at around £240 pm (plus a last balloon payment of roughly £3500 - after 5 years). The loan total given to her, with interest, was £14,318. Irresponsible lending at its best? We had 3 young children at the time.  We tried keeping up with the payments but after the last payment we made (Feb 2018), we simply could not afford to pay. My wife got the odd letter/threat but nothing until a solicitors' letter arrived. She wrote back, making sure it was clear that she was not acknowledging the debt, but requested all the necessary paperwork. A few weeks later they sent her some (not all) of the paperwork, but the Terms and Conditions document was incorrect, it was different to the original. With that in mind, we just let it be.  They didn't write for two years, until they demanding payment again. Wife wrote back (again not acknowledging the debt) and told them the paperwork they sent 2 years previously was incomplete AND it had the wrong Ts & Cs. Nothing again for a year until a new person wrote- they were told the same and hadn't heard anything again until the court order arrived today. Will ignore the fact that the court order say Miss and not Mrs but just looking for a steer on how to respond. Does she simply quote the Limitations Act in here defence? Does she mention that they've never sent the requested docs to prove the debt, let alone sending the wrong Ts and Cs. She has 14 days to respond but like to get it done well before then. Thank you
    • we are free we dont get paid but try telling that to our server hosts or isp providers... donate if you can = thanks dx
    • we dont nursemaid.... get reading up even if only in your own thread since post one. dx
    • ignore CR you did send the sb letter to vm didnt you? and ofcourse theres no show on your credit file either is there? dx
    • Well I've had a look. As an index page I suppose it looks very smart but it really doesn't tell us anything. Also, we don't know anything about the case, what it's about and what you you are appealing about. I don't think we can give any better advice than that it looks good so far. Overall, I don't understand the need for secrecy
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Moneybarn vt help


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Hi

I have decided to voluntary terminate my agreement and I am going to send my VT tomorrow .

However car has just been serviced and a few things are required,

track rod end

ball joint left side,

the person has recommended replacing 3 tyres

 

my question is it worth doing this ?

Will I get charged for it ?

Is it better I do it myself ?

 

Also unfortunately it seems someone damaged my car this morning they drove it’s caused scratches to rear bumper

it’s minor but scratches are visible

 

will I get charged for this or will fall under wear and tear the vehicle is just under 10 years old appreciate your answers

Edited by dx100uk
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how long have you had the car and how many miles have YOU done in 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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then imho fair wear and tear for how long you have had it and mileage covered

 

no need to do anything.

 

I will guess you've read most of the recent threads here and are using the CAG VT letter?

 

I would expect MB to claim everything from a dirty windscreen but as with mb they do that

you do NOT pay them a penny!!

 

do as the other threads state

use a selfie stick take video under the car and every where.inside boot bonnet, etc

cause they WILL put every stunt they can to get money out of you

 

have you ever had trouble paying cause they'll be hidden unlawful fees too they've charged

 

have you every statement to date

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

Many thanks never defaulted on payment.

Have paid on time.

 

They sent a letter saying BCA will get in touch

I serviced last Thursday hopefully that will be a positive.

Even bumper damage counts as wear and tear ?

Edited by dx100uk
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should do.

 

can you not get fine wet n dry block or these nail care blocks and smooth the scratches down a bit.?

they work wonders with a bit of t cut:madgrin:

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

Thanks for your reply I will look around Halfords though it could be difficult due to work.

 

Damage is superficial that you need to look closely to see it but I will try what you suggested

 

also I lost my MOT certificate will I get charged for that

 

Yes I used the VT letter from another thread on this website

Edited by dx100uk
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they can look the MOT up so tough luck for them.

 

if you look in places like poundland or whatever they do nail makeup sanding blocks with say a few sides of differing grades

use one of those with a bit of t cut, works magic!!

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

yes they cannot charge you anything

they WILL try, esp the £350 for 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... 

Link to post
Share on other sites

how close or are you over the 50% mark?

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

I am over the 50 by a few hundred and they confirmed that in writing another thing is they said BCA will contact me within 2 days on Monday and I need the car gone ASAP as I don’t want to pay tax for a car I won’t use

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can you not put it on private land?

if not sorn it.

 

don't forget to sign the v5c and keep the bit you have to send off when MB take 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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Share on other sites

MB said it has to remain taxed and insured till it’s picked up, alternatively they said they can send one of their agents to pick it up instead of BCA as they can pick it up earlier don’t if there is any drawback with that

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well they cant charge anything however they do 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... 

Link to post
Share on other sites

not really.

but if you read a few threads here

you'll get the idea.

 

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... 

Link to post
Share on other sites

Hie car is getting picked up tomorrow do you think it’s best to tel MB about damage done to my vehicle or wait to hear from

Them then tell them someone damaged I am thinking at that point they may ask why I didn’t tell them earlier

Many thanks

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No fair w+t say nowt

 

Was it new to you?

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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