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Help with V12 default.

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  • Help with V12 default.

    Hi already posted in another section but no response has anyone got any advice!

    Good morning Iím in the process of sorting out some financial issues with various creditors and could do with some advice with this one to start with.
    Bought a sofa on finance with Sofoligy financed with V12 finance. At the time of application Iíd recently moved house and finance failed to go through at new address. Agent I spoke with advised to put through using old address and then to change address after wards as there was a I think couple of month delivery wait. I did this and all went through, I was asked to pop into a Sofoligy store and change my address which I did taking in ID etc.
    Now fast forward a couple of years and Iíd fallen behind with payments although had no contact from them. I carried on putting off the issue until I realised Iíd been defaulted by them. I rang V12 and was told it was to late and that all correspondence had gone to the old address!!
    the women on the phone wasnít very helpful and told me it had been passed to debt managers for collection. I have since had texts from them to contact them but am unsure how to proceed.
    So as I didnít receive the default notice is there anything I can do??
    Tags: None

  • #2
    SEND A SAR request for starters also CCA request other can be dealt with later?


    • #3
      another question would be:- why was new address not allowed to be used??? no addresses are anyway black listed??? strange what you are saying?


      • #4
        CCA Request

        Subject Access Request Letter send recorded delivery


        • #5
          Ok thanks for your reply and where would I go from there?


          • #6
            ok Thanks for your reply I will get onto that. Do they need to be sent to V12 or Debt Managers? Yes I canít remember the reason now for using old address in the first instance but I definitely went into store and changed it, my hope is though that the default might not stand as sent to wrong address??


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