|
|
 |
 |
FORUM |
|
> Browse and post on our forum |
|
|
|
 |
|
 |
|
Note: You must be registered in order to post a reply.
To register, click here. Registration is FREE!
|
| T O P I C R E V I E W |
| sjbyron |
Posted - 17 January 2009 : 00:27:12
Hi
I have decided to surrender my car which is on HP, it has £3000 left to pay and is going to need repairs soon, a new gear shaft approx 1k and brakes £300 and taking the costs now £220 a month and those and being on long term sickness for depression I have decided to surrender it.
The HP Company wont let me voluntary terminate the contract as they want the OR too, however i dont think that is right I have wrote to them and asked them to close the account down.
Im not driving it any more, makes it better that way for me in a psychological mindset sort of way, so do I need to keep it insured or can I cancel and close down the insurance and do I need to keep it road taxed whilst its on my path, if I dont need to keep it roadtaxed and the road tax runs out in April will I get a refund and how? And the same for insurance, can I can cancel it as it is on my path but I am still the logbook keeper and will I get a refund if I only took the insurance out about 4 days ago.
Thanks
Stu
Stu J Byron |
| 15 L A T E S T R E P L I E S (Newest First) |
| sjbyron |
Posted - 17 January 2009 : 19:03:43
well i have wrote my letter for GECapital and am going to send it on Monday I have said:
"Dear Sir Madam
Recent to my letter the other day, I am writing to inform you that I wish for this car agreement to be terminated.
In respect to this I have cancelled the car insurance agreement, cancelled the road tax, cancelled the direct debit and registered the car with DVLA as SORN.
I can confirm that as I have registered this as SORN, That I am not the registered keeper of this car and therefore am not liable for it.
I can also confirm that the car is in an OK condition with one slight bump to the right hand passenger side.
I am unable to drive this car to another location so request that you send a member of staff to collect the car, and to sign your part of the V5 Document if applicable, please can you make sure that this is done within the next 10 days.
I can confirm that as I am going bankrupt, and as you firstly requested a letter from the official receiver, I have left this car on my statement of affairs as a secured creditor, I can also confirm that any monies left to pay, and any charges that you levy to this account, will be absorbed with the bankruptcy, please ensure that after collection and after the 26th January 2009, that any communication is between yourself and the appointed official receiver. After the 26th January I will no longer discuss this account with your team, and as from 17th January I will not be held liable for any damage, theft or destruction of this car, but will comply fully with you in collecting the car.
Yours Sincerely"
Stu J Byron |
| sjbyron |
Posted - 17 January 2009 : 16:39:19
Thank you Jo
Stu J Byron |
| Needafriend |
Posted - 17 January 2009 : 15:05:13
Hi Stu
You know it is my pleasure as always to help and be there for you. I just wish i could have been at the court with you, but i cant. I do know though that your a lot better prepared and your mind is much clearer.
You take care and if you need me again you know where to find me.
Jo
x
Needafriend says:
Just always remember one thing, Your not alone, your not the first and you wont be the last.
24 Weeks down
 Yippeee!
28 to go
 Im getting there!
For more info on how i have come through bankruptcy and for links to help with filling out the forms, I&E, Car Valuations, etc, etc, you can read my blog here called:~ Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
|
| sjbyron |
Posted - 17 January 2009 : 14:40:24
Jo
You are a fountain of Knowledge and you have been a rock to me throughout this BR, I couldnt of done it with out you.
And our chat the other day on the phone really helpe to clear the mind, and im glad ive got rid of the car.
Thank you so much Jo you are a Star!!!
Stu J Byron |
| Needafriend |
Posted - 17 January 2009 : 14:31:28
Thats ok Stu
I just dont want people to think im anything more than a housewife, a mother and someone who has been where you are now.
I have a caring nature and all i want to do is be there, i wish i knew more but i dont but i am always here for you.
LOL
Jo
x
Needafriend says:
Just always remember one thing, Your not alone, your not the first and you wont be the last.
24 Weeks down
Yippeee!
28 to go
Im getting there!
For more info on how i have come through bankruptcy and for links to help with filling out the forms, I&E, Car Valuations, etc, etc, you can read my blog here called:~ Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
|
| sjbyron |
Posted - 17 January 2009 : 14:19:15
Thanks Jo,
if the OR asks Ill say it was CAB and a Bankruptcy forum which has experts of different level feeding into it.
Hope thats ok
Stu J Byron |
| Needafriend |
Posted - 17 January 2009 : 14:14:50
Ok Stu
Sounds like a good plan now coming together. I do hope that its works out for you, not sure about the bit saying "A bankruptcy specialist" as it may come back and you will have to explain who told you and we are only able to help with little bits, its free advice and not always to be taken as face value, at the end of the day that final decision has to come from you.
For myself only i need to add in that i dont know the whole process i have learnt only from my own experiences and i would not want to get you or this great helpline in trouble thats why i always say "i think" but i am not the law or a bankruptcy specialist.
I am here as a pillar to lean on and to help where i can, but i am not as knowledgeable as Julian, John or Paul.
LOL
Jo
x
Needafriend says:
Just always remember one thing, Your not alone, your not the first and you wont be the last.
24 Weeks down
Yippeee!
28 to go
Im getting there!
For more info on how i have come through bankruptcy and for links to help with filling out the forms, I&E, Car Valuations, etc, etc, you can read my blog here called:~ Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
|
| sjbyron |
Posted - 17 January 2009 : 13:45:36
SORN Application done, road tax form completed for refund and ive noted on section 13 of the forms that I have spoken to a bankruptcy specialist and they ahve said to write to ge capital, cancel the road tax, insurance and make vehicle as sorn, but at the time of printing the bundle I didnt remove these so please do.
Hope thats ok too
Stu J Byron |
| Needafriend |
Posted - 17 January 2009 : 13:10:31
No you can download and print the form but you cant claim it back online.
Glad to hear about the insurance now dont drive it.
Jo
x
Needafriend says:
Just always remember one thing, Your not alone, your not the first and you wont be the last.
24 Weeks down
Yippeee!
28 to go
Im getting there!
For more info on how i have come through bankruptcy and for links to help with filling out the forms, I&E, Car Valuations, etc, etc, you can read my blog here called:~ Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
|
| sjbyron |
Posted - 17 January 2009 : 12:01:15
Insurance Cancelled with full refund
Stu J Byron |
| sjbyron |
Posted - 17 January 2009 : 11:47:31
Will let me mum know and then go ahead, can i claim road tax back online
Stu J Byron |
| Needafriend |
Posted - 17 January 2009 : 11:45:09
No, its free 
Jo
x
Needafriend says:
Just always remember one thing, Your not alone, your not the first and you wont be the last.
24 Weeks down
Yippeee!
28 to go
Im getting there!
For more info on how i have come through bankruptcy and for links to help with filling out the forms, I&E, Car Valuations, etc, etc, you can read my blog here called:~ Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
|
| sjbyron |
Posted - 17 January 2009 : 11:44:34
does it cosst to make it sorn
Stu J Byron |
| Needafriend |
Posted - 17 January 2009 : 11:43:53
Your welcome
Jo
x
Needafriend says:
Just always remember one thing, Your not alone, your not the first and you wont be the last.
24 Weeks down
Yippeee!
28 to go
Im getting there!
For more info on how i have come through bankruptcy and for links to help with filling out the forms, I&E, Car Valuations, etc, etc, you can read my blog here called:~ Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
|
| sjbyron |
Posted - 17 January 2009 : 11:41:43
thanks Jo
How
Stu J Byron |
|
|
| bankruptcyhelp.org.uk Forum |
© bankruptcyhelp |
 |
|
|
|
|
 |
|
|
|
|
|
