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westham1

Vauxhall Finance Notice of assignment of debt to Debt Managers

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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.

 

 


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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

 

 

 

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Good afternoon. 

 

Well the 12+2 days are up for the CCA from the Debt company. 

So what's the plan now?, do i just wait and ignore other letters or are there others I can send in return to sod them off lol.  Many thanks you have all been so helpful.

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Ignore any correspondence until they can comply with your request


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What happens if they persist, threaten legal action or come knocking at my door ?

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Let them threaten...until they can comply with your legal request pursuant to section 79 of The CCA1974...they would be  foolish to attempt litigation.

If they do eventually provide then you can enter into a payment plan if a legitimate debt exists and they have provided all the necessary paperwork that entitles them to persist...threaten legal action.


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already answered in post 62..

nothing

a dca is not a bailiff and are totally powerless


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.

 

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Ok that's great . So may I ask, why is there a time limit for them to answer the CCA request ?

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its part of the consumer credit act.


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Because that what the Consumer credit act dictates ...12 days is ample time for the owner of the debt to provide disclosure and show they are legally entitled to enforce the agreement....without an agreement its not going anywhere near a court room.


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Ok that's great. Once again many thanks for all the help and let's hope they just fade away . 🤞🏼

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Good morning all .

So after a quite a while the debt management company have replied by sending two letters to me - please see attached. They have also annoyingly called my parents to see if I live there which was not appreciated, even tho I've told them my new address. Please advise. Many thanks 

20190511_114015.jpg

20190511_113829.jpg

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Ignore

Pdf only next time please


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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Sorry.

 

And thank you

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Its all meaningless until they can provide and comply with your section 79 request.

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We could do with some help from you.

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Goodmorning 

 

It seems the debt company are ramping up the threats which I don't appreciate and is making me very anxious to be honest. Is there anything I can send letter wise to stop this or reafraim that they are harassing me for no reason. Many thanks 

20190517_115847.pdf

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Option 1 is not an option as they have not complied with your section 79 request.

Option 2 simply means more letters  to pick up off your doormat and open to file.

 

Dear Sirs thank you for your letter dated 11th May 2009 of which the contents are noted.However it appears that I am still waiting for a response to my section 79 request dated xxxxx.

 

This may be an oversight on your part now if you cant comply this may be an active choice on your behalf.If you ignore my request I will remind you that pursuant to sections 77-79 of the Credit Consumer Act 1974 you are compelled to comply within 12+2 days.Until such time you can comply please bear in mind....

 

Section 79 CCA1974

 

(3)If the owner under an agreement fails to comply with subsection (1)—

(a)he is not entitled, while the default continues, to enforce the agreement;F2

 

Regards


We could do with some help from you.

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That's great thank you. 

 

My wife is so anxious now she just caved and said "just call them" .......... NO CHANCE

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ive hidden your upload

you might want to remember in the future to remove the QR box and the long ref number above that.

 

as they might read here and see your wife is quaking in her boots about powerless visitors poss coming.


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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Ah bugger!!! Sorry missed that thank you.

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Good evening. 

The vultures have replied once again to my most recent letter sent. 

Please see attached the letter received from them. 

 

Sounds alot less vicious than the last.

 

Altho still confused, if they know where I live why ask for my original address that the car was registered ?

 

Many thanks and thank you all.

20190528_183257.pdf 20190528_183109.pdf

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ignore then until they comply

 

 

don't enter into any more pointless letter tennis

they know the score.

 

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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