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Vauxhall Finance (GMAC) Car finance in serious dispute - Debt Managers now sold to intrum


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Hi guys need advice please.

I've been paying a debt for a car that I bought on HP over 10 years ago.

Long story but I was conned and fell hook line and sinker.

I've been paying every month a small amount to appease Vauxhall and I've now received the attached documentation.

may I ask.....

Do i need to change payment through my bank ?

Is this allowed ?

Will they now contact me to ask for more ?

Is there a chance of getting rid of them ie sending prove it letter and hope they never collated the original documentation ?

Many thanks 

 

 

2019-03-29 GMAC Vauxhaul Finance NOA to Debt Managers.pdf

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so what happened to the car?

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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voluntary surrender [owe 100%) or voluntary termination? [only owe to 50% mark]

tell us what happened?

 

 

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 refused to pay as it was being investigated what happened, I subsequently gave the vehicle back as I didn't want it due to the discrepancies in price, but I lost so set up a plan with Vauxhall and have been paying ever since .

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so you got stung or VS when it could of only cost you upto the 50% mark.

 

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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Share on other sites

I swapped another Vauxhall car in for a smaller model and was told the HP would be written off the price and only the new car would remain. This wasn't done and I went from a 9k car to 15k with the remainder of the first car added to the price. I lost the case gave the car back and still have to pay.

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And now Vauxhall have sold your outstanding debt to Debt Managers Services Ltd....send them a section 79 request for a copy of the agreements

and DSAR to get all the data held on the transactions...auction price...balance and interest etc etc....

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 OTHER

 

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

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I don't mind saying but it's embarrassing, it was a friend that sold me the car, told me not to worry all was in hand and then shafted me. Ultimately my fault for not reading the paperwork but it was a close friend.

Many thanks I will do so.

I did ask Vauxhall how much the car was sold for at auction, they did not tell me as they said it's nothing to do with me.

Also re the payments I've been paying for eternity to Vauxhall do i stop them?

as the letter cleavely confused me so to get in contact with the new DC ?

Many thanks also ur a lifesaver 

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Well you wont be making any further payments to either Vauxhall or  Debt Managers Services Ltd.

 

Section 79 goes to Debt Managers Services Ltd.

DSAR to Vauxhall

 

Try to work out what you have paid in total so far.

 

Andy

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 OTHER

 

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

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Hi Andy 

Many thanks for helping also.

Just to clarify I 'should' cancel the DD to Vauxhall and then refuse to pay any monies to the other Mob until the S79 is answered before 12 days. This will need a cheque of £1 I believe?.

Also and sorry for the negligence but what is the DSAR and what's this for also where can I find this documentation.

 

Many thanks in advance 

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Correct...click the word DSAR

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 OTHER

 

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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Section 79 for HP Finance agreements.

 

 

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 OTHER

 

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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Massive thanks 

One last question before I send this all off.

If I've been paying to Vauxhall for the last 10 years plus and stop the payment, if the debt company can't reply and supply the information in the 12+2 days will this debt be enforceable?

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Correct....and if they can supply...we check its validity and the alleged balances etc.

 

Dont forget in the meantime to try and work out exactly what you have paid from day 1.

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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 OTHER

 

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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Yes if it's been processed as VS which sounds like it has, the proceeds of the car being sold at auction have to be deducted from your outstanding balance.
 

If they haven't then alarm bells would be ringing. Do you have copies of your annual statements? If not you should request this as part of your DSAR.

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Sadly yes.

might be cause for complaint too if they didnt advise of vt rights rather than shafting you for everything under VS

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

Not anymore !!! 🤬

ive found some paperwork and done some figures........bare with this .

Purchase date ON HP                 2-11-07

Original car price                         £14'579.70

Credit charge over 60months    £4'660.30

Total debt                                      £19'240 

Bare in mind the car originally wasn't £14,579 but less than that and the Vauxhall seller (my friend) added the remaining HP of the old car to the overall price which I wasn't aware of.

 I don't have proof of this (at the moment).

A deposit was also paid via my (friends) CC (the salesman) as I didn't have it at the time (dodgy) again to which I don't have proof.

Between the purchase date and when I set up the monthly payment to appease the debt the account details were ......

Dates from                             2-11-07 to 9-2-12 

Total paid, inc car sold at auction......                       ............................................£9'976.27

Auction of car (no receipt)   £7'500

Outstanding fees                   £902.89

Total debt from 9-2-12   Original debt - £19'240

                                              Paid            - £9976.27

                                              Fees            +£902.89

                                              Total         £10'166.62

I set up monthly payments on £10'166.62 with GMAC of £10 a month from 9-2-12 until today    TOTAL paid to date £850

The new debt management company that the debt is now in control of is asking for £9'326.62 So £10'116.62 minus £850

Which is what the numbers work out as give or take £10.

I have sent the DSAR to Vauxhall and the s79 to the new debt company hoping the paperwork is not in order.

Many thanks and any information or response to my numbers would be appreciated.

Many thanks 

I've also stopped any payments to the debt.

Paper work from gmc as required.

I hope this works.

Just to add where the information is highlighted, that's done by GMAC not me.

Also where it's marked £7.500 in highlighted yellow, thats also done by GMAC and the only proof of auction price of the car.

Here we go 🤞

 

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docs are below couldn't put them back on your post

so £900 of unlawful fees to reclaim too!!

 

IMHO you owe NOTHING>

docs .pdf

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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

Cheers for having a look. So your opinion is that I have paid it ? Or that it's unlawful ?

 

I take it I just wait to see what these new debt mangers come up with before the 12+2 are up. And if it surpasses that date then they can't chase it?

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