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Hi All,

I'm after some advise please,

 

I took out a joint HP agreement last January with these,

all payments up to date until I wrote off the vehicle in October,

 

the insurance paid them a settlement figure and CLS advised them there was a £433 shortfall, as it was almost Christmas it slipped my mind,

 

11th Jan both my partner and I received a default notice for £1323,

 

now this morning, received a termination letter stating 'subject to clause 9.2 of the agreement, you must now pay the full outstanding balance to us of £4379,

 

can someone please advise where I stand with this?

copies attached :|

thanks

IMG_6168.JPG

IMG_6169.JPG

IMG_6166.JPG

IMG_6165.JPG

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Can you pop those up in one multipage pdf so we can zoom and rotate please

Read upload


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various agreement and vin/reg showing on all pages.

all uploads hidden.

 

why did you not contest the write off figure with your ins?

 

no they cant charge the full outstanding sum.

 

only poss the shortfall which is what GAP insurance is for.


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Thanks dx, I did dispute the insurance but that’s the highest they’d go after excess deducted! Unfortunately, they never offered gap insurance so I went without, so, how can I word it to them regarding the outstanding sum, is there any cca I can reference etc.?

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I would simply offer by writing only the £433 .

The full amount £4k is unenforceable

Do use email

 

Have you the £433?


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Thanks DX, I will try that, just to confirm, you did mean ‘do use email’?

I don’t have the £433 right now but I’ll see how they respond first

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sorry don't use email ever gives people a free way to hassle you and has no legal papertrail


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