RCI Financial services car loan default

[scottishlass]

Re: RCI Financial services car loan default

just got my statement through from the bank and the cheque for the CCA was cashed 28/11/2007
and the cheque for the SAR for £10.00 was cashed 28/11/2007.

They have still not supplied either

Just realised I have this information in already sorry

[Paule]

Re: RCI Financial services car loan default

How are you doing with this SL?

[scottishlass]

Re: RCI Financial services car loan default

Hi Pkea,

Still nothing have reported them to Information Commisioner now so see if they come back with anything.

[scottishlass]

Re: RCI Financial services car loan default

Just updating,have finally posted the complaint to information commisioner,I know little later than I expected,but better late than never lol

[Tools]

Re: RCI Financial services car loan default

Hi SL,

Just a few questions if I may.

• When was the original agreement(loan) taken out/signed
• Does she not have a copy of this anywhere
• Do you have a copy of any Terms & Conditions for this account(I am thinking mainly about the transferral of the agreement on this question)
• Could you post up some figures at all, i.e original loan amount, balance outstanding etc
• PKea, do you have a copy of your agrement that you signed, does everything look kosher?

IF they have so far refused/failed to send you a copy of the CCA you should be able to send them a letter saying that the account is in dispute and that until such time as a copy CCA is received you will be making no further payments on the account. I am not suggesting that you try getting out of paying the debt but this usually gets them to pull their fingers out of their bums.

[Paule]

Re: RCI Financial services car loan default

• PKea, do you have a copy of your agrement that you signed, does everything look kosher?

.

When I did my SAR it was under RFS and they sent everything they had
cca
car invoice
statements
call logs
the lot

But as RCI have taken over, I believe RCI have NO information on old RFS accounts, as i had to send the list of charges to them as they had no record, or maybe this was to try and fob me off

[scottishlass]

Re: RCI Financial services car loan default

I will go dig them out,surely everything should have been passed to RCI if they have taken over the account ?

I don't understand this at all

[scottishlass]

Re: RCI Financial services car loan default




I hope this works

[scottishlass]

Re: RCI Financial services car loan default

[ATTACH]1482[/ATTACH]

[scottishlass]

Re: RCI Financial services car loan default

[ATTACH]1483[/ATTACH]

[scottishlass]

Re: RCI Financial services car loan default

are they okay or am I better using photobucket ? You have no idea how long that just took me to get them here,hope you can read them.

[Kafka]

Re: RCI Financial services car loan default

SL

These have come out OK.

Car finance is a rather specialised area. If you haven't done so already, I suggest you look at Car Credit Complaints - One Community - Unrivalled Support (Powered by Invision Power Board), which is a more specialised site than ours that has very detailed experience of this type of problem and close links with Stephensons Solicitors.

They work with LB on some issues and I'm sure they will be pleased to advise. They were a great help to me recently over Welcome Finance.

One of their organisers, Bakedalasker, is an LB regular. If you have not yet made contact with them, I suggest you send a PM to Baked and ask him to look at your thread.

[scottishlass]

Re: RCI Financial services car loan default

Thanks for that advice Kafka,much appreciated.

I just don't understand why they have not responded to any of my requests.

[Tools]

Re: RCI Financial services car loan default

Thanks for posting those SL it helps clarify things a little.

I just have a couple of queries

• Did your daughter pay the £300 deposit?
• The instalments shown just do not add up ie.

1 Payments of £246.89 = £246.89
58 Payments of £151.89 = £8809.62
1 Payment of £151.89 = £151.89

So we have £246.89 + £8809.62 + £151.89 = £9208.40

The balance payable (H) is £9307.40
The so called total amount payable (I) is £9607.40

So there appears to be £99 added somewhere...........or are my calculations wrong? Does the figure of £99 ring any bells to anyone? Hidden commission?

I will ask baked to have a look at this one if he hasn`t already.

[Paule]

Re: RCI Financial services car loan default

Just as a quick note, have you tried calling them and asking for them to send you a statement, as they have done this for me previously without any problems and it shows all the charges etc.

Tools , have you taken into account the credit facility fee of £99, which usually has to be paid with the first installment