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


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yep just wait.

 

pers id be seriously considering a formal complaint to VF about how they treated you by not advising to exercise your VT right in favour of VS.

and the fact that +£900 of unlawful fees have been added to the account.

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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... 

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Morning all. 

 

Debt management company have sent me a letter today which is found attached.

 

They have also sent the cheque back to me.

 

They are asking for my old address otherwise they cannot continue with proceedings

BUT 'THEY' SENT A LETTER to my home address now ..do I need to give them this ?.

Also how do i respond and does this reset the 12+2 days.

 

Many Thanks

 

 

2019-04-09 DM want me confirm address to reply to CCA request.pdf

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Data protection has no connection to a section 79 request. which is legislated by the Credit Consumer Act 1974.....and nothing further to discuss...just inform them that are now in default of your request and return the fee with a covering letter.

We could do with some help from you.

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Correct the date runs from when you sent the request...they are stalling for time.

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

 

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Yes and as per the request finish your covering letter with ......" Again I will remind you If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee."

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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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correct

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

Good afternoon. A quick update for you.  Vauxhall have replied and I have the paper work asked from them, but no reply from the Debt company as of yet I do believe they have 1 week and a day left. Would you like to see ALL the paper work from Vauxhall ?

Many thanks 

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you mean the sar return..

think you have been asked to total your payments?

and 

firm up the necessary information about complaint regarding advised to VS not VT, they hid that from you.

look in the comms or account log

there should be some kind of comms log there detailing what they told/did not tell you at the time of handing the car back.

 

dx

 

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

really ..that's bad then for them.

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

At this time I'm hoping that the debt company can't fulfil the CCA request and that will stop it all. Friday the 5th I sent the CCA so ive worked out the 25th is the last day. If the information isn't sent from the Debt company does that mean they can't chase anything ?

 

Many Thanks again.

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until they comply.

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

6yrs till SB date.

in E&W SB simply means any court judgement cannot be enforced.

but without enforceable paperwork

they aint going nowhere fast.

 

in this instance it might be to your favour that they do try and fleece  you through the courts

then atleast everything that happen will get put before a judge

and they'll see the terrible way the finance company has treated you.

 

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

Oh ok I was under the duress that the debt company cannot enforce anything and can be sent a cease and desist letter if the CCA isn't met correctly meaning the Debt is not enforceable. Also 6 years from the date I bought the car or 6 years from the first letter the Debt company sent me ?

Edited by westham1
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last payment date.

chasing failed CCA requests went out the window years ago.

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

So let me get this striaght and i apologise for my lack of educatuon re this matter.

 

if The CCA request that i sent isn't met by the Debt company they can still send bailiffs round and harass me ?.

 

And if the 12+2 days lapse and nothing is sent what do i do from there? 

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bailiffs??

where the beep do they come into it?

has this been to court

you lost the case

and its more than 28days since the judge told you to payup?

 

a DCA is NOT A BAILIFF

and have

ZERO legal powers on ANY DEBT.

 

 

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

Ok well that makes me feel alot better then.

 

No it hasn't been to court, and to be honest I'm just worried about it all. 

 

As told above, I've stopped all payments, sent a CCA request to the new debt company and a SAR to Vauxhall. I shall wait untill the 25th and return with news hopefully. Thank you for the help I really do appreciate it.

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pers id start on a serious complaint letter about the way Vauxhall finance have treated you as I outlines earlier.

 

atleast you HAVE the agreement, so will know that id the fleecing DCA do send anything. it must be IDENTICAL to what you hold.

I bet it wont be if they do respond.

 

dx

 

 

 

  • Like 1

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

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