First Response HP Termination

Tavmania · 8th May 2007, 18:53

First Response have terminated my agreement when I was less than one payment behind £125 arrears and payment is £165. Is this allowed.

I have had threatning letters stating they will reposess the car, I have informed them if they wish to do this they will require a court order as well over one third is paid.

They have kept ringing me at work when I have asked them not to. I have quoted the Admin of justice act and they say they are unaware of it.

My car has cost me £650 in repairs this year and has a rust issue. It is only 5 years old.

Can anyone help me understand if they are in the wrong esspecially with the termination.

P.S. they did send a default notice before hand but was unable to pay.

wonkydonkey · 25th May 2007, 12:10

they have done the same thing to me we rang them to ask to pay lower payments and they said yes we paid half the amount and then they defaulted us have you found anything else out to help thanks

Tavmania · 29th May 2007, 20:40

No I need to get some legal advice. I used to work for Welcome Finance and we were not able to default and terminate until 60 days in arrears. Does this make the agreement uninforcable? It's just working out where to get reliable information.

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