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Car Cashpoint (CCP) & their collection agent


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I've been contacted and asked to pay £1030 for the outstanding £580 that I owed CCP.

 

I have no intention of surrendering the car as I use it for work daily & it is my source of income to support 3 and pay off the money I borrowed.

 

I accept it's my fault defaulting etc & I'm ok that their are fees involved too.. but I need a little time to get this money together.

 

My question is

- Is there anything the collection agent can do if they can't physically get hold of my vehicle?

I park it on private land at work (I'm not sure they even know where this is) & I don't park outside my house at home.

 

I'm just unsure if there is further action they can take if they can't actually get the car off me... 

 

Also is there anything I can do to delay them for a few weeks as they won't accept a payment plan of anything other that £500 now & the rest 7 days later which is ridiculous! (Can I demand proof of fees/costs in advance?)

 

 

 

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cant add any fees to a LBL DEbt.

 

there are 2 very recent CCP LBL threads just below yours 

read both and all your Q's will be answered.

 

have you checked the BOS was registered in time?

have they sent a DN?

 

repo guys are NOT BAILIFFS!! and are powerless

just don't leave the car on the public highway

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've just had a good read of melissa's thread. Seems if i push back a but CCP might get a little but of slack. It would appear I have less debt & much greater means to clear it.. so I think they might come round to my way of thinking.

 

I'll do a check on the BOS now to see when it was registered.

 

Keeping the car off a public highway isn't so easy round my way, but I can park it away from my house easy enough.

 

I'm guessing its against data protection/GDPR for them to pass on my employment records

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Get all the statement s via an sar

also have you pulled the covid string?

 

was your credit file shot when you got this?

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 think anyone that resorts to these have a shot credit file unfortunately.. 

 

I've not pulled the covid string, they offered a holiday early pandemic which I think it took a couple of weeks worth but non since... but I have missed the further action 7 days notice letter, hence they passed the account on. 

 

I'm not sure if my best course of action would be to write a nicely worded email offering to negotiate terms a little if they will talk to me OR whether to go heavy handed and keep my car out of sitght and see what they come at me with.. 

 

 

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If your credit file was shot with defaults and late payments then they Should not have loaned to you

Irresponsible lending complaint time.

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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Without sounding dumb, what would that achieve? I know in the grand scheme it would mean they would maybe have to operate better but it wouldn't write anything off my debt would it?

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Why not?

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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Before you dismiss bringing a Formal Complaint ....

 

I suggest you read this link from the FOS

It requires time and effort to do your research but the financial reward can be substantial , not to mention putting you in a strong position for negotiation 

 

https://www.financial-ombudsman.org.uk/businesses/complaints-deal/consumer-credit/logbook-loans

 

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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  • 2 weeks later...

Got a nice text message today... 

 

“Please call regarding collection of the Skoda Fabia if contact is not made within 24-hours the vehicle will be reported”

 

doesn’t mention anything who it will be reported to, no mention of settlement... classy company doing the collections. I assume the lack of detail is down to the fact there’s nobody to report to it just sounds convincing to scare you?? 🤷‍♂️

9E84F117-2EAD-40D9-87B5-A56318D994E7.png

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did you read the other threads here on them.

twill be their powerless guys with a flatbed or a fake debt management advice company that wants to charge a fees to advise you.

 

so what have YOU done since asking for our advice

CCA?

checked BOS is registered?

started a IRL complain?

 

 

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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