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westham1

Vauxhall Finance Notice of assignment of debt to Debt Managers

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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.

 

So may I ask.....

Do i need to change payment through my bank ?

Is this alowed ?

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 

20190403_134649.jpg

20190403_134551.jpg

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so what happened to the car?

dx

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hi thanks for replying 

 

The car was given back early on in the finance period.

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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..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s 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..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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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.

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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 OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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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 untill 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 OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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🙄 plonker sorry 

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SORRY can't find the section 79. 

 

Panic regards this has set in 😫

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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 OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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Massive thanks 

 

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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 OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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Of course what the car sold for is your business...

 

You should be able to see the car's proceeds from auction deducted on your annual statements as well on the year this happened?

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Hi thanks for the reply.

 

They definatly told me they didn't have to tell me. In that case would the proceeds of auction be taken off the debt owed ?

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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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I haven't but I will be asking for all of the information held. 

 

To be honest I think I've been right royaly bent over.

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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..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Not anymore !!! 🤬

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Ok so 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 14579 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 

 

 

 

 

 

 

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