Thread: Tricky one!! Car leasing, lombard never collected payments

Hi, just looking for some advice. last October i had a new lease car delivered, i was meant to pay a £500 initial payment followed by 24 monthly payments. i had the best deal around on a used SRI with 4,500 miles on the clock. normally about 340 a month but i actually got it for 165, anyway......
Got the car, sent all the paper work back and everything was hunky dory. about 3 months later i realised they still hadn't collected the first payment so i called up the leasing company to tell them and they said don't worry it will all go through, it often takes 3 or 4 months. i though ok and left it at that. 1 month later i was made redundant from my well payed job in the steel industry. months later im still without a proper job and have just always put the car thing to the back of my mind.

how do you have a car for a year with no payments been collected???
anyway tax is due in a week and im at a lost end of what to do....

Who normally sends the tax. the finance company of the leasing company?

if i call them and tell them that i have been diving around in there car for a year without paying them and cant afford the back payments yet, will they come and put the car on the back of a lorry and its bye bye SRI??

Its as if the car has been lost on the system and no one has any idea of it. has anyone heard of this before??

i am fully expecting to not have the car by this time next week , i was just looking if anyone had similar problems before and i cant find one thread anywhere on the net??

thanks for reading and sorry about the length

Well first things first, who has the V5 reg doc? They are responsible for tax.
Next, do you have a copy of the agreement?

I guess that lombard have the V5 or they should.
i have the agreement somewhere safe, should be the first place i look i suppose.

You should receive the tax disc through the post from Lombard.

I too had a car on a personal contract, They took six months to take the first payment - and when they did it was for the full six months.

We moved house six months before the agreement ended. I informed Lombard - yet all my correspondence went to my previous address. I had to chase them about picking the car up (there was excess mileage on the vehicle) which dispite having two phone calls with them, There was no mention of additional payments. I haven't had any more letters or phone calls from them - then after 10 months I received a letter from the solictor demanding £1200 saying that I haven't replied to their communications ???

I really think they are poor in dealing with their business affairs - but be careful they will catch up with you.