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westham1

Vauxhall Finance Notice of assignment of debt to Debt Managers

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I've also stopped any payments to the debt.

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Paper work from gamc 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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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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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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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Morning all. 

 

So the 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 so do I need to give them this ?. Also how do i respond and does this reset the 12+2 days. Many Thanks

20190411_112812.jpg

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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.


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Wow ok.

 

So a letter with my address, ref number, date and a short note stating verbatim what you just wrote ? And the 12+2 is not affected?

 

Many Thanks 

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


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Fantastic news many thanks onwards I go.

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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 OTHERS

 

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

 

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Can I confirm I do not need to sign this letter and can put just..... Sincerly ........Mr .... ect

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correct


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

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This is the letter I will send can I kindly confirm it's all correct. 

 

Life's savers many thanks 

20190411_151736.jpg

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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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

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I have the comms log and more payment sheets and it doesn't say anything about surrendering the vehicle or money received from sale.

 

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really ..that's bad then for them.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

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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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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So it can run longer than 12+2 days ? How long can they keep contacting me ?.

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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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Posted (edited)

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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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