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Challenging RFS through courts HELP !
Hi All,
I'm new on this sorry.
I bought a vehicle in 2006 and maintained HP payments regularly for the following 14 month I missed ONE payment (bereavment)realised a couple of months later when I got a letter stating charges (National postal strike backlog). tel the comp asked for a breakdown ofthe charges - details were incorrect so I disputed the charges - boy did I get a shock at the stance they took - several call handlers refused to accept ANY payments unless full charges were paid. I eventually received a default notice so but each time I raised the money the figure went up - prevented me from paying. I contacted Trading Standards and they intervened , within hours accepted payment . I thought this was the end of it but when I tried to make a payment by phone the call was terminated - heard nothing for 12 months - went through the default process (hadn't put any money aside) and it has eventually gone to court for an order to repossess. In the meantime I sent my docs off to Contract checker whose Legal 1 team printed out how the agreement was unenforceable HOWEVER they would not act for me in court on a no win no fee . I attended court and have 3 times since, i had to compile my own defence using the Unenforceable Agreement S61 and the Unfair Relationship S140 a CCA as amended 2006. Obtained trading standards docs, countless letters, emails sent to the director of RFS re the handling of my case, etc,etc. The solicitors acting for them have since offered out of court arrangement wherby they will suspend order to return goods and I pay the payments where I left from PLUS a few grand in costs I RESPECTFULLY REFUSED, solicitor suggested I put forward an offer of arrangement before court date 17th Sept , Thanks for reading ( not eligible for legal aid)
I'm new on this sorry.
I bought a vehicle in 2006 and maintained HP payments regularly for the following 14 month I missed ONE payment (bereavment)realised a couple of months later when I got a letter stating charges (National postal strike backlog). tel the comp asked for a breakdown ofthe charges - details were incorrect so I disputed the charges - boy did I get a shock at the stance they took - several call handlers refused to accept ANY payments unless full charges were paid. I eventually received a default notice so but each time I raised the money the figure went up - prevented me from paying. I contacted Trading Standards and they intervened , within hours accepted payment . I thought this was the end of it but when I tried to make a payment by phone the call was terminated - heard nothing for 12 months - went through the default process (hadn't put any money aside) and it has eventually gone to court for an order to repossess. In the meantime I sent my docs off to Contract checker whose Legal 1 team printed out how the agreement was unenforceable HOWEVER they would not act for me in court on a no win no fee . I attended court and have 3 times since, i had to compile my own defence using the Unenforceable Agreement S61 and the Unfair Relationship S140 a CCA as amended 2006. Obtained trading standards docs, countless letters, emails sent to the director of RFS re the handling of my case, etc,etc. The solicitors acting for them have since offered out of court arrangement wherby they will suspend order to return goods and I pay the payments where I left from PLUS a few grand in costs I RESPECTFULLY REFUSED, solicitor suggested I put forward an offer of arrangement before court date 17th Sept , Thanks for reading ( not eligible for legal aid)
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