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What an interesting forum.

I get a strange feeling, like I ave been here before, must have been in another life :)

Interesting piece in the Gazette

http://www.lawgazette.co.uk/5049573.article?utm_source=dispatch&utm_medium=email&utm_campaign=GAZ250615

What influence does Magna Carta have on modern-day...

Any update ?

HI Otto,

My understanding is that RMS are not assigned ownership of the debt but are just contracted by the lender to recover end of contract charges, I gather this is the service they supply for...

Yes I do, they are pursuing sums still due under the contract, or so they keep telling you, there are other matters involved which will influence this sum, so they need to refer back to the lender....

I have just been researching this company, they are registered with the FCA as a debt collector:
http://fca-consumer-credit-interim.force.com/CS_RegisterSearchPageNew

They therefore have no legal...

I think there is something dodgy here.

I would send them this.

Dear xxx

Regarding your claim that you are acting as agent of the lender, I am afraid I require proof of this from them.

You...

I haven't been frequenting the debt sections on here for a while so perhaps I am a little out of touch, must admit to being a bit taken aback.
My daughter received a N1 from Northampton center, for...

This is odd, one minute he is saying that you are contractually obliged to him the he is saying if you have a query about the contract contact someone else.

Dear xx

I am receipt of your latest...

Hi

There is an issue regarding the £200 you paid at the onset of the agreement.

Ideas for a response

This payment should have been included within the agreement and formed part of the total...

Hi
Sounds very much like they are trying to intimidate you.
You say they have already acknowledged that the damage payment was not due, did they do this i writing ?

It would be good to see any...

Hi don't panic, this is par for the course some just pay up, it is just them taking a shot.

Reply stating just what you have said here, you are not responsible for damage already on the vehicle...

Everyone knows the thing, you buy something on your catalog account and it says, would you like to take the extended payment offer, buy now pay later. The idea being that you pay nohting for twelve...