Ok thank you, you are probably right, since this has happened (2nd December) the only written correspondance we have had was a 10 day late termination letter. They don't seem very hot on keeping you informed of the process or your rights.....the more I think about it the more shady it seems! That certainly is a long post, I will make sure to read it tomorrow when I don't have to prop my eye lids open with matchsticks.....damn pregnancy!! LOL

That hadn't even occured to me, could they actually do that? I will get onto it tomorrow as the loan will be in place by Thursday and I was hoping to pick it up by Monday. You seem very informed by the way, may I ask what legislation that refers too? I am somewhat of a novice

Hiya, well had a letter through the post yesterday acknowledging my complaint and stating a reply would be made within 4 weeks....this would obviously be a useless response if I was still hoping to get the car back from them without having to pay it all. So not too happy about that. Secondly I have just realised that a very personal possession of mine (silver bracelet loaded with charms collected and given over the years) was in the drinks holder in the front and im worried sick that it might not be there when we go to pick it up. What would I do if it isn't there? I've got no way of proving it Any help again please...

Absolutely!! Its quite unbelievable really!! Wonder what I did wrong?? Maybe because I had no PPI? Who knows....

Ok you think I should maybe hold off the request until after its all come back? On another note I am absolutely astonished how differently we have been treated to Becka who has just posted. It seems outrageous!! How can the same company act so differently?

I know that this isn't helpful at all, but seriously count yourself lucky that they havent just sent a collections agent straight away without warning which is exactly what they did to me last week and i'm not even in financial diffciulty! I have had to pay the entire finance off to get my vehicle back and I had no clue they would be repossessing as it was absolutely un-necessary. Do you own more than a third of the car? If so they will have to get a court order before they can actually take the car, which with the christmas period approaching may be delayed somewhat. You could also advise them that you will be employed in the new year and see if that helps, but they may well take on the heard it before approach. In the mean time, I would make sure that you park your car off the road so it doesn't just disappear and if a collections agent turns up do not give them the keys because you won't see it again!!

Just another update with todays events, we are very lucky in that a family member is going to help us to pay off the finance and after informing Santander of this, they are like our new best friends! They haven't stopped ringing all day, they will be holding the car at a compound in Mansfield (65 miles from us - not very local as advised by the collections agent) for us to get the money in place until the 20th December and they have also admitted that there is in fact some possessions still left in the car, which yesterday was a shady subject. I will not be dropping this however as I still believe its thoroughly wrong what they have put us through and I don't believe its been carried out in a legal or professional way at all. If its so easy for them to ring numerous times in a day today why did they not do this to inform us of the continuing arrears or the repossession to start with. I'm sending the request for information tomorrow, so I wonder what it will come back with!! Thanks for everybodies help up to know, i'll keep you informed. Michelle

Thanks, i'll give it a shot, if theres a chance. Really all I want is for it to go away and for them to accpet my payment and allow us to have it back, I can't understand the logic behind it all.

Well to the best of my knowledge and research it seems as we did not own a third of the vehicle they are perfectly entitled to repossess without a court order HOWEVER they are claiming to have sent us numerous letters stating this was going to happen yet we had not received any, which is mainly why I'm so bloody annoyed as I would have sorted it out. I am not in any abnormal financial difficulties, we would have paid if we had known they hadnt received the cheque and direct debit as we had discussed with them previously. I want to know where the notices have disappeared too? How do i know if this is all legal if I havent got them? The actual Santander customer service agent stated the default notice they acted upon was dated 3rd of November, at this point (according to the new direct debit mandates we received on numerous occasions) we owed them £204 which doesn't even amount to two payments. The next payment was due 23rd November and they terminated the contract on 24th! How can they issue a default notice with the above date upon grounds of two missed payments if we didn't even owe them arrears of two months according to dicuments printed at a later date? Another point is that really this guy was just a collections agent, he probably had no clue whether it was likely we would get the car back after the arrears were paid, he was just saying that in order to do his job, and unluckily for us we gave him the keys so technically he didnt steal it. We did it on good faith that what he was telling us was accurate. At 7am in the morning after being woken 2 minutes prior my brain wasnt working properly.

The bloke who came was from Anglia UK Ltd, he wouldnt tell us specifically where it was taken too, he said Santander would tell us after we paid the arrears but it would be a local lock up facility. This is who I spoke to yesterday they are based up north somewhere. As yet we havent been in contact with Santander, when my other half got home the office was already closed so I don;t know whether they will provide the info either yet. Is there a legal requirement for them to tell us where it is and where it will be auctioned? Realistically where will informing the police get me?

Well its been 24 hours and we have had no response. Anyone know how likely it is that this bloke will make anything change? I rang the repossession people to discuss belongings that were left in the car and they are saying there was nothing noted, I know for a fact there was even if it was just small items! I also enquired about the auction date which she also had no idea of. She referred us back to Santander for both issues. Does anyone on here have any experience of buying cars back through auction? Is it likely we will be able too and how long does it take before they will put it out for sale? Any help appreciated. Thanks

Hiya sorry to keep posting but I was under the impression that they did not have to get a court order if we owned less than a third of the car, which unfortunately is the case. If you can advise otherwise I would be very interested. Also if the guy was not a bailiff then what exactly was he? not to sound dense but he certainly looked like the sterotypical bailiff, he did not show us any legal documentation at all. In hindsight I beginning to feel more and more stupid by just allowing him to take it away. Another amendment to my original posting also, what I thought was a default notice was actually a default sum notice making us aware of late payment charges. I have no problem with this but i do however have a problem with where the actual notice has disappeared too!!!

Well good luck with that because from what i've seen so far they don't give two sh*ts about their customers, whether you owe £79.99 or £5000. I have emailed the CEO anyway so I wonder what will happen, probably nothing; I won't be holding my breath anyway as to be honest at 8 months pregnant I am feeling utterly defeated!!

Another update for you before I am about to write this email...... We never received the follow up call from a manager as promised, not really surprised about that one. We received a letter on Saturday morning (4th December) It was a notice of termination as of the 24th November. The actual letter itself is not dated and neither is the envelope so I have no clue when it was sent. Obviously this letter has turned up very late considering its importancy but it still doesnt answer the question as to where the rest have disappeared too......if they were sent at all of course. Lastly....and to add insult to injury, I picked up our house phone messages an hour ago and we had a call from a local santander branch to invite us to discuss our finances. They said they have noticed our numerous accounts e.g. mortgage and current account and would like to discuss special rates on overdrafts amongst other things...but the icing on the cake was "you have also been approved for a credit card which can be discussed in branch immeadiately" I know its probably not all that relevant as they are a huge company but I mean that is ridiculous!!! I don't want your effing credit card I want to pay for my car!!!!