Bailiff Letter

Insomniac666

RAS wrote: »

Don't worry. She will get an automatic e-mail telling her you tried to PM and her message box is full. Then she will come looking.

And if that really is an unsigned WPO, boy will she have fun.

Just do not sign it. Put the thinf in an envelope and make sure that the missue knows not to touch it.

so i take it the fact it was filled out and posted without me or the wife signing our life away, they've nade a "little" procedural error?

Insomniac666

fatbelly wrote: »

I think you need to check the Welcome agreement and work out who is the legal owner of the car. If it's HP, it's not you.

Just wanted to say that I'm enjoying this thread!

i'll get the wife to go dig it out, I have no idea. i just told her over the phone which car to get!

RobertoMoir

Insomniac666 wrote: »

so i take it the fact it was filled out and posted without me or the wife signing our life away, they've nade a "little" procedural error?

That depends. If by 'little' you mean 'massive, stupendous, "if this goes to court they better take bus fair 'cos you'll be driving their car home" sized big, then yes. If by little you mean little then, no.

Insomniac666

RobertoMoir wrote: »

That depends. If by 'little' you mean 'massive, stupendous, "if this goes to court they better take bus fair 'cos you'll be driving their car home" sized big, then yes. If by little you mean little then, no.

funny, made me laugh...

but just to clarify ....the form is signed by a bailiff under the Schedule of LiabilityOrder/charges amount.... box.. none of our sigs anywhere..

Insomniac666

Wife just dumped A4 envelope with Welcome Finance on it.. I better get to reading... what am I looking for exactly?

Insomniac666

Welcome Finance Credit Agreement says...

If you do not keep to your side of this agreement but you have paid at least one third of the total amount payable under this agreement that is £3406.13 the creditor may nottake back the goods without a court order" under that there is a box my wife signed headed "this is a HP Agreement regulated..blah blah"

We've only had the car 1 year of a 4 year contract.....

RobertoMoir

Insomniac666 wrote: »

funny, made me laugh...

but just to clarify ....the form is signed by a bailiff under the Schedule of LiabilityOrder/charges amount.... box.. none of our sigs anywhere..

As much as I like my flowery language every now and again and as much as I was talking about having some beer earlier in the evening, I was being deadly serious in the substance of my earlier comment. Charges listed for WP on the levy, WP not signed by you, bailiff in the stuff quite deeply. Regardless of the rights and wrongs, the other stuff is something they'd argue about, but the issue around charging for an unsigned WP is unequivocal for at least two reasons I can think of.

RobertoMoir

Insomniac666 wrote: »

Welcome Finance Credit Agreement says...

If you do not keep to your side of this agreement but you have paid at least one third of the total amount payable under this agreement that is £3406.13 the creditor may nottake back the goods without a court order" under that there is a box my wife signed headed "this is a HP Agreement regulated..blah blah"

We've only had the car 1 year of a 4 year contract.....

Which presumably means that you have not yet paid £3406,13 back to them yet?

This is delicious. Oh to be a fly on the wall of the head of revenues at the council responsible when this lands.

Anyway, if you'll excuse me, I have a drink that won't drink itself and an interesting book that won't read itself.

RobertoMoir

Oh yes. Don't give the WP back to the council or the bailiff no matter what you do. Keep the whole set of paperwork on you for now. By all means share copies, but keep the originals together.

Insomniac666

so shall i just hold off doing anything or should i contact the bailiffs/ council? they're expecting payment on Friday?