FiscalFool's UE Diary

[fiscalfool]

Re: FiscalFool's UE Diary

s.77 personal loan, certainly not HP. they have no hold over the car. Wish they did though!

[Never-In-Doubt]

Re: FiscalFool's UE Diary

s.77 personal loan, certainly not HP. they have no hold over the car. Wish they did though!

Then it is NOT secured against the car which is a bummer, in your circs..... Is the car still running lol

[fiscalfool]

Re: FiscalFool's UE Diary

Absolute bummer in my case.

Car finance is £370 approx a month.

£92 a shot to fill it up, and lasts a week ... just about.
Had a new tyre yesterday £115.
Taxed this month £250 for 6 months.


If I could ditch the car, and get anything reasonable back for it, then I would. But outstanding is £13k, the last valuation by a dealer offered me £6.5k.

BUT .. if I ditched the car and went for something provided through work, I'd get:
Car
Insurance
Tax
(no MOT as brand new)
Tyres
Servicing
etc ... all provided for just one payment each month. Yes, I'd have to get an eco car, for lower company car tax.

But I worked out that on fuel alone if I paid exactly the same and had a car doing 48 mpg, then I'd save over £2k a year. Then add on Road Tax, MOT, Tyres, Servicing etc. Even with increased PAYE tax, I'd still be much better off.

[Never-In-Doubt]

Re: FiscalFool's UE Diary

You've answered it yourself then, sell it for £6.5k and then get a company one! Surely £6.5k in your bank is better than nothing...? Ditch the fuel guzzler and get an eco-friendly one mate!

[fiscalfool]

Re: FiscalFool's UE Diary

Hello everyone,

I'm now all settled in the new house. Finally got around to sorting out my paperwork! Hope Niddy enjoyed his holiday, because I'm sure I'm going to stress him out

Abbey PLC - Cahoot Fixed Rate Loan
16/02/2011 Niddy says therefore send this back: ---> CCA Query - Missing Prescribed Terms
25/03/2011 CCA Query - Missing Prescribed Terms - SENT TODAY! (Just got straight after house move!)

Letter Sent today! Ooops!

Barclaycard - Platinum

08/02/2011 Received letter today from Barclaycard saying "We acknowledge that we have received your request under S.78. We will respond to you as soon as we can!"

Still heard nothing back from them!!

Barclaycard - Premier

28/02/2011 Letter from Barclaycard - not quite my CCA, and also copies of "Barclays Premier Credit Card Conditions"
25/03/2011 Scanned and sent the above CCA letter to Niddy!

I've uploaded this letter can you take a peek and let me know what you think? Also I guess I need to rebutt Cabot who now have the account with "Sold while under dispute letter" ????

Egg Prudential - Egg Credit Card

22/02/2011 Niddy said
22/02/2011 Niddy suggested ---> CCA Query - Missing Prescribed Terms and trying to blag it.
25/03/2011 Sent CCA Query - Missing Prescribed Terms

Sent letter today - ooops!

Santander - Personal Finance - Car

22/02/2011 Niddy says:
22/02/2011 Niddy suggested not making token payments until they default me.
25/03/2011 Been receiving a slew of letters to set-up my direct debit. Telling me that I am in Default, but not issued Default YET! Holding on tight and just ignoring them!

Still getting letters of either "Ooops it looks like you need a direct debit form" or "Pay us now or we will default you!". Filing and ignoring for now.


Car update:
Planning to clean the car and sell it and pocket the dosh and then get a very efficient green runaround through work. In the weeks since I posted that it was valued at £6.5k, it's now down to £5.2k! aaaargh!!!!!!!! I need some spare cash to get a cosmetic scratch removed and can then flog it.

[MrsD]

Re: FiscalFool's UE Diary

good news on the house move Fiscal
Niddy is on holiday but your're doing OK.
Upload the stuff for Niddy and he'll have a look when he gets back.

Doesn't look as if there is anything to worry about, all routine.

[fiscalfool]

Re: FiscalFool's UE Diary

Hi Dopey,

I noticed after I posted that he's still on hols! Not to worry, it can wait.

I'm pretty sure I need to send a CCA Missing Terms letter to Barclaycard Premier, based on the letter I received ... but for the sake of a few days, I'll wait

[fiscalfool]

Re: FiscalFool's UE Diary - and General Journal!

Santander - Personal Finance - Car

Type of account (credit card/loan) = Personal Finance Loan
Date commenced (ideally before Apr 2007) = March 2009
Approx balance = £15k, Redemption Figure of £13k
Date last paid (approximate date you last made a FULL payment) = February 2011
Are you on arrangement or not paying = No, Paying full payment each month
Status (default/in arrears/up-to-date) = DEFAULT
Account owner (who is writing to you, a DCA or the lender) = Santander

28/01/2011 Ready!
01/02/2011 CCA Request sent, 1st Class Recorded with Postal Order stapled inside.
17/02/2011 CCA Request Received, dated 16th Feb and sent back via Recorded post. Signed for it Uploaded for Niddy!
22/02/2011 Niddy says:
22/02/2011 Niddy suggested not making token payments until they default me.
25/03/2011 Been receiving a slew of letters to set-up my direct debit. Telling me that I am in Default, but not issued Default YET! Holding on tight and just ignoring them!
26/03/2011 DEFAULT Recevied in Post - Dated 16th March. Did they leave it on the side for two weeks before posting!?!

As posted above ... Default has now been received, as I haven't paid a penny in three months! What should I do now? Just wait for it to be passed to DCAs ?

[mk_chatham]

Re: FiscalFool's UE Diary

Hi

If you still have it keep hold of the envelope. Niddy may need that for proof that they did indeed not post it straight away. Is there a post mark or frank on the envelope ?

MK

[fiscalfool]

Re: FiscalFool's UE Diary

Still got the envelope, but absolutely nothing on it. Just the digital royalmail barcode, no franking. All done by TNT post.

[Elsie52]

Re: FiscalFool's UE Diary

I would still hang onto the envelope, perhaps the barcode can be traced through TNT and find out exactly when it was posted.

[Never-In-Doubt]

Re: FiscalFool's UE Diary

Hi Dopey,

I noticed after I posted that he's still on hols! Not to worry, it can wait.

I'm pretty sure I need to send a CCA Missing Terms letter to Barclaycard Premier, based on the letter I received ... but for the sake of a few days, I'll wait

Yep, send this off: ---> CCA Query - Missing Prescribed Terms

[Never-In-Doubt]

Re: FiscalFool's UE Diary - and General Journal!

As posted above ... Default has now been received, as I haven't paid a penny in three months! What should I do now? Just wait for it to be passed to DCAs ?

Keep the envelope and also write on it the date received, don't worry too much about this right now - just ignore it but keep it all safe, especially the envelope!

[Never-In-Doubt]

Re: FiscalFool's UE Diary

Still got the envelope, but absolutely nothing on it. Just the digital royalmail barcode, no franking. All done by TNT post.

Yep, that's the proof you need.

If there aint 14 days then you my friend have a defective default notice which opens a huge can of worms, as per recent court cases suggest! Just ignore for the moment.

[fiscalfool]

Re: FiscalFool's UE Diary

Yep, send this off: ---> CCA Query - Missing Prescribed Terms

Excellent thanks. Should I send the letter to Barclaycard or Cabot? Since Cabot are now dealing with?
(Ref Barclaycard - Premier)

Initially I sent the CCA to Cabot, who asked Barclaycard to dig it out. Do you suspect like I do, that Barclaycard have lost it? I signed the paperwork with my personal account manager during a house visit! He was never very efficient!

My Barclaycard Platinum, have never even bothered responding to my CCA request!