Jump to content


  • Tweets

  • Posts

    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Vehicle Repossession imminent: Santander Consumer Finance


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4956 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi,

 

I am new here, but had spent some time reading through the threads.

My sad tale of woe is made sadder because I simply have no one else to blame but myself really...

 

I got a car through Santander Consumer Finance in Oct 2008 on HP - made payments regularly without issue until Oct 2009 when I lost my job (was made redundent due to recession) and wasnt able to find work for about 5months - in those 5months there have been 3 missed payments. When I was employed again I resumed payments and when I had extra cash, made extra payments - however, there are still 2 payments outstanding.

Anyway, Crystal Repossession company contacted me last week to say they had been handed an order to repossess the car on behalf on Santander.

 

I panicked on Friday, contacted family members, found out how much was in arrears, and got the money together.

I contact Santander on Friday to tell them I was able to pay arrears PLUS charges in full, if they could halt the repossession order.

They told me unless I could pay in full (£6500) they were not interested as they had cancelled the contract. I called several times trying to make the arrears payment because this would have taken me over paying 1/3 of the car but they would not accept the payment (I was told to do this by an insolvency debt helpline, because then Santander Consumer finance would need a court order to get the car).

 

We then contacted the Financial Ombudsmen, and Santander Consumer Finance to lodge compliants - subsequently, I have held off the Repossession company until tomorrow, when they want to pick up the car.

 

My question is, I have recieved a letter from Santander Consumer Finance Customer Services department, with my agreement number on it, saying they are investigating my compliants (but this can take up to 4weeks to resolve), as well as recieving confirmation that the Financial Ombudsman has contacted Santander as well (but they have to allow 8 weeks for Santander to repsond) - my question is:

 

Do I allow them to take the car and wait for a resolution?

Or do I 'hide' the car on private property, contact the repossession company and tell them I will not reliquish the car until all investigations are complete...?

 

I still have the total amount in arrears ready to pay, but was told by Santander Consumer Finance, last week, that this wasnt good enough...

 

*cookies for anyone that got through all that and understood my rambling*

Any advice would be appreciated

 

Thanks

Dani

Link to post
Share on other sites

Santander are becoming very much complained about here on cag!

 

Firstly I would suggest moving your car off the road until this issue has been resolved as a matter of urgency!!

 

I trust this was a regulated HP agreement?

 

So basically you are 2 payments in arrears and they are determined to repo. Have you received a default notice or termination letter from them??

 

Don't blame yourself, we all get into financial difficulty from time to time and that certainly wasn't your fault!

You have been doing your best to deal with this problem and making extra payments whenever you can, you have absolutely nothing to reproach yourself over.

 

These companies are generally nothing more than ugly bullies, as consumers we are not trying to avoid paying our debts just simply petitioning to be treated fairly and honestly.

 

I'm sure you will get all the help you need here :-)

  • Confused 1
Link to post
Share on other sites

I have recieved default notices, yes - which I added onto the payments I have been making...

 

However, I dont believe I have recieved a Termination Letter (I have gone through ALL the mail just to check) - I was simply told on the phone, when I contacted Santander Consumer Finance on Friday to try and make the arrears payment *in full* (£600) that the agreement had been cancelled and could therefore not make the payment - the repossession was going through...

 

And yes, it was a regulated HP agreement

Link to post
Share on other sites

So even though you were making regular payments of the full amount and paying some off your arrears when you could, they still terminated and instructed repo agents?? What a flaming disgrace!!! :-x

 

Well what you do next really depends on what outcome you would like to see, what is the ideal solution to this for you??

Link to post
Share on other sites

I would like to keep my car... nevermind all the negative repercussions against my credit record, I love the car!

Trust me, I know how you feel!! :madgrin:

 

In that case I would suggest you write a letter to santander stating that you have not received a default notice and, on the basis of the previous default notice, the default is invalid due to overstating of sums due. Therefore if they proceed with the repo on the back of a dodgy dn the agreement will be invalid and you will sue them unlawful repo and unlawful rescission of contract whereby you will be entitled to return of all monies paid and return of the vehicle or the value of.

The vehicle is now kept constantly on private property so if they wish to repo they would need to apply to the courts for a return of goods order which, incidentally, you will vehemently defend on the basis of their unreasonable conduct in not accepting payment of the arrears, also notwithstanding your right to ask the court for a time order whereby you may be permitted to keep the vehicle and continue with payments as is your intention presently.

Alternatively they could just accept your payment and say no more about it ;-)

Link to post
Share on other sites

Thank you so much for your feedback...

 

Would they need to get a court order for return of goods even though I *havent* paid off 1/3 of the repayments yet?

I was led to believe they are legally allowed to repossess then even without a court order?

 

It is all very confusing (and I really am not trying to shirk my responsibility in this - I am happy to pay the arrears, the default charges AND continue to pay off the car) - and btw, I have just rechecked *everything* and I definitely have not recieved a final notice OR a letter of termination. All I have are default notices...

Link to post
Share on other sites

Thank you so much for your feedback...

 

Would they need to get a court order for return of goods even though I *havent* paid off 1/3 of the repayments yet?

I was led to believe they are legally allowed to repossess then even without a court order?

 

It is all very confusing (and I really am not trying to shirk my responsibility in this - I am happy to pay the arrears, the default charges AND continue to pay off the car) - and btw, I have just rechecked *everything* and I definitely have not recieved a final notice OR a letter of termination. All I have are default notices...

They can only take the car without a court order IF less than a third has been paid AND it is on the road.

Like I said earlier, you need to get the car moved off the road as a matter of urgency! Have you got a drive or a garage or do you know someone that has? If it's left on the road they will take it and you will end up going to court with this and more than likely they will auction off your car before anything can be resolved.

Link to post
Share on other sites

Yes I can have the car moved off the road, and onto private property (quiet away from where I live, so they would not be able to find it).

 

Do I then tell the Repossession Company all of this, and then send off the letter to Santander (I know I did write to them on Friday and complained, and they are investigating that - however, I have not told them to get a court order for return of goods OR told them I have involved the Financial Ombudsman, who believes we do have a case) - presumbaly, Crystal Collections *will not* be happy and hound me until this is resolved (or rather, if it can be)?

Link to post
Share on other sites

Well it quite definitely can be resolved, all they need to do is accept your payment of the arrears and then carry on as before, simples! :madgrin:

 

I would just tell santander and crystal that the car is now on private property and will remain there until you have received the outcome of your complaint to the Ombudsman. You consider their enforcement activities to be unjustified and questionable and you will not voluntarily hand over the vehicle as long as there is a complaint in process.

Link to post
Share on other sites

You have been an aboslute angel!! Thank you for you help - I will move the car immediately - and will be having a chat with Crystal tomorrow, and writing to Santander Consumer Finance tomorrow, enclosing the cheque with full arrears tomorrow as well and see what happens...

Link to post
Share on other sites

You have been an aboslute angel!! Thank you for you help - I will move the car immediately - and will be having a chat with Crystal tomorrow, and writing to Santander Consumer Finance tomorrow, enclosing the cheque with full arrears tomorrow as well and see what happens...

You are very welcome, I have the T-shirt so I know what you're going through!

 

Good for you! Well done for standing up for yourself and complaining against these bullies :whoo:

Link to post
Share on other sites

Crystal is acting on their behalf, they are a car repossession company, that would sell the car on at auction and then presumably send the money onto Santander Consumer Finance.

 

That does help calm my mind - I assume it would take longer for Santander Consumer Finance to actually get the court-order for return of goods? And they would only be after both their and the Financial Ombudsman's investigations are over, which would be at least 8 weeks time.

 

The car has been moved onto a private property, a fair way away from my address - I'll call the repossession company tomorrow (wish me luck, *THAT* is not going to be a nice call) and get everything off to Santander in writing as well...

 

Again THANK YOU

Link to post
Share on other sites

Crystal is acting on their behalf, they are a car repossession company, that would sell the car on at auction and then presumably send the money onto Santander Consumer Finance.

 

That does help calm my mind - I assume it would take longer for Santander Consumer Finance to actually get the court-order for return of goods? And they would only be after both their and the Financial Ombudsman's investigations are over, which would be at least 8 weeks time.

 

The car has been moved onto a private property, a fair way away from my address - I'll call the repossession company tomorrow (wish me luck, *THAT* is not going to be a nice call) and get everything off to Santander in writing as well...

 

Again THANK YOU

I would think that crystal are just a recovery company that will collect the car and deliver it to an auction house, it'll be santander that take over from there.

 

They will need to apply for a court order to have the car removed from private property but in the course of that you will have the opportunity to defend and ask the court to grant a time order which in effect will be exactly what you are already offering - to pay off the arrears and continue with your monthly payments!! Only difference will be that they will have to go to the expense of issuing a claim and you will be able to bring their unreasonable behaviour to the court's attention when making any decision.

 

Personally I doubt if it will get that far, now that the ombudsman are involved you'll probably find they soon start back tracking!

 

You are very welcome, glad to help :madgrin:

Link to post
Share on other sites

The car was moved onto private property last night (several miles away from where I live) and I have spoken to the Repossession company and told them what is happening and that they will need a court order for the removal of goods before I hand over the car...

 

They have requested I send a copy of everything I will be posting (via recorded mail, naturally) to them as well - as a courtesy, I will do so...

 

I will keep you updated of how things pan out... I can only hope and pray I manage to salvage my car and what is left of a reputation after this!

I can only hope anyone that reads this serves as a warning of what NOT to do!

 

:|

Link to post
Share on other sites

  • 2 weeks later...

Right, so I sent off all the documentation and a letter to Santander Consumer Finance summarising essentially all that was said here (after moving the car onto Private Property), along with a cheque for the full amount PLUS this months payment for the car (total of £780).

 

The cheque has now been banked, and Im waiting for it to clear (I can see its due to come off my account - the funds are there so it will clear).

 

My question is now, once the cheque has officially cleared - what do I do then?

 

It would mean I have now paid over one third of the car, so I know this means they now definitely need a court order to repossess the car (although I will leave it on private property for the time being anyway).

 

Do I wait for them to send something to me in writing (I did put an addendum into my letter to them saying if they DID accept the cheque payment I would take this as proof that the agreement was still active - because they had said it was cancelled- and that the repossession order was null and void. *BUT* we all know assumption is the mother of all 'mess' ups...)

 

OR do I write them again, with the bank statement attached saying the cheque has cleared my account, could they please confirm in writing that agreement is now active again and all repossessions orders are cancelled...(this would obviously be sent recorded mail)?

 

Wannabe - your advice would definitely be appreciated :-D

Link to post
Share on other sites

Alright, the money has definitely cleared...

 

I called Santander Consumer Finance to make sure the money had reached them etc. and they confirmed the account was now up to date and OPEN again (it was termed Cancelled when I last spoke to them), however I have recieved nothing from them in writing...

 

Any advice? I dont want to drive the car until I know this is resolved... as a by the by, with them now having accepted the arrears payment AS WELL AS this months payment, I am definitely now over 1/3 paid for the car.

Link to post
Share on other sites

Right, so I sent off all the documentation and a letter to Santander Consumer Finance summarising essentially all that was said here (after moving the car onto Private Property), along with a cheque for the full amount PLUS this months payment for the car (total of £780).

 

The cheque has now been banked, and Im waiting for it to clear (I can see its due to come off my account - the funds are there so it will clear).

 

My question is now, once the cheque has officially cleared - what do I do then?

 

It would mean I have now paid over one third of the car, so I know this means they now definitely need a court order to repossess the car (although I will leave it on private property for the time being anyway).

 

Do I wait for them to send something to me in writing (I did put an addendum into my letter to them saying if they DID accept the cheque payment I would take this as proof that the agreement was still active - because they had said it was cancelled- and that the repossession order was null and void. *BUT* we all know assumption is the mother of all 'mess' ups...)

 

OR do I write them again, with the bank statement attached saying the cheque has cleared my account, could they please confirm in writing that agreement is now active again and all repossessions orders are cancelled...(this would obviously be sent recorded mail)?

 

Wannabe - your advice would definitely be appreciated :-D

Hello Daniela, sorry for the delay I'm a bit poorly at the mo :-(

 

I think you've done brilliantly so far, well done! 8)

 

The fact that they've cashed your cheque weighs very heavily in your favour. So basically the position you are in right now is that they sent you a default notice but you are now fully paid up to date on your agreement. In order for them to be able to repo the car you would need to be in arrears by 2 payments and defaulted again, they can't take it now irrelevant of how much has been paid! :wink:

 

They absolutely cannot continue to use the previous default as it is now wholly invalid and if they do repo now they would be in serious doodoo :lol:

 

If I were you I would just continue your payments and act as if nothing had ever happened. I don't see any reason why you shouldn't use your car, in fact I'd actively encourage it cos if it goes missing now you'd have a load of mud to sling and they would end up owing you rather a lot of money!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...