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| Help Needed Gone To Debt Collection | |
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| Topic Started: May 25 2007, 05:37 PM (168 Views) | |
| jaykay | May 25 2007, 05:37 PM Post #1 |
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Hiya all I am needing some help as we have followed the processes from your site and asked Yes to accept termination at the 2 year mark. they seemed to accept this and we had a letter through 2 weeks ago asking us to arrange collection with their Birmingham Auction company. My wife rang them to collect and was told that Yes had cancelled the order to collect our car. Now we haver just recieved a letter stating that we have arrears of £963.35 and that this is being passed to debt collection. We stopped payments after terminating agreement and were waiting for them to collect. What do we do now? We are concerned that if this goes to court we could be ruled against or is it fact that courts are looking unfavourably against DAF? What we want to do is hand the car back or even let them repo it... We are also accumilationg charges amounting to about £50 per week with there computer generated letters. I do not have any problem with asking them to refund these it's just that my wife is worried now that it has gone to debt collection. Could someone please give us some advice as to our next move against DAF? It's great that people are making a stand against DAF... Many thanks in advance Jay |
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| jenni | May 25 2007, 05:42 PM Post #2 |
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had you paid up to the 2 year mark? do you have any of the arrangement in writing eg them saying you could return the car? have they stated what these arrears are for? did you take out any of the insurances because you do realise you will have to still pay for these? I would write to them and ask them to justify these arrears and put the account in dispute. then if a debt collectors do get in touch if you tell them the account is in dispute they probably will not proceed |
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| asboath | May 26 2007, 12:03 PM Post #3 |
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Hi jaykay, Is it possible that you're arrears are from the insurance payments, if so this is what is happening to almost everyone on this forum and is the biggest bone of contention with DAF. I too paid up to the 2year mark, am now being chased for the insurances, as jenni says you need to phone them and get in writing exactly what they are chasing you for. Have they never phoned you to chase up as this is there normal pressure on customer tactic? If you have been paying for 2 years you will i think not have to worry about repossession providing you make sure they get the car back, have they not asked for an £80 collection fee?, again normal practice for these people. The figure you have used would seem to me to be far to low if it was car and insurance payments for two years,(although you should get an idea from your agreement)I would hasten to say that it may well be the insurances only,but you need to find out asap as believe me you will get plenty advice on this site, certainly pointing me in right direction. ASBOATH |
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| jaykay | May 31 2007, 08:24 AM Post #4 |
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Many thanks for the replies. We had someone call 2 days ago to arrange to collect the car and he commented what a useless company DAF are to work for (he is a sub contractor). I asked him if this is for repo or collection and he assured me it is not for repo just collection so he is coming on Friday to take the car away thank god for that. We only have GAP insurance and have requested copies of the documentation certificate for this policy as suggested on this site and they have yet to supply us this. What concerns me is the next stage as i'm sure DAF are going to chase us for the arrears so what do i do? Shall i make a token suggestion for repayment of these arrears? Yes we paid up to the 2 yearly mark and asked that the car was returned and no they have not asked us for an £80 charge for collection. As for the phone calls they rang my wifes elderly mother and divulged personal information and had been in contact with her old employer and told them that she had defaulted on her car payments. It seems tha DAF are a law unto themselves and thinkk that they can use these tactics on anyone. We are prepared to instruct a solicitor in our local area who is very good at these types of matters do you think this will worry DAF when they are hassleing us? Many thanks and i shall look forward to your next replies. Jay |
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