Barclays have just told me that the contract is terminated and even paying the arrears in full will not stop the car from being repossessed.

Today was the last day for surrender...

Anyone know how long it will be before they get a court order or any options available...

I pleaded with them on Friday, and though the arrears are only £540,

they will take the car and put it in auction

where I am due to lose about 2k of the value

and that will still be owed to them...

HELP PLEASE !

Barclays Partner Finance are in the process of repo my dads car.

They have terminated the contract - however the 1/3 rule is very close..

. if its 1/3 of the value still owed against interest upto repo then fine, if based on original term then not... HELP.

+ they say they will probably go to court proceedings to recover car,

but hinted they might just sent a recovery company in..

. no idea of timescales however

= would be really good to have an idea, days or weeks?

My father (80) purchased a car on HP from CarSupermarket.

With his wife having poor health, he decided in Aug to suddenly goto India for 3 months for treatment.

With cashflow being tight, he missed Aug and Sept payments.

I took over paying and on a 220/month contract,

I began paying 80/week except for when I paid 220.

Barclays Partner Finance (BPF) were told this is what I am doing,

but they couldn't confirm if they were happy as I wasn't the named person on the contract.

My father, out in India then, in Oct suffered a stroke himself and was unable to speak and was receiving physio out in India.

BPF then sent a termination letter and advising that the car needs to be surrendered or court proceedings will begin.

I managed to get my father to ring them and agree that I could speak on his behalf.

BPF said you are £504 in arrears and the contract is terminated.

I said I can borrow that amount and get it restored to the normal T&Cs

- but they rejected it,

stating its been in arrears since Aug so NOTHING can be done to restore the contract.

PROBLEMS:

1) Car Supermarket when doing the original contract with my father, put the car into my name not his...surely some kind of contract breach

2) I was willing to pay all the arrears, but that was not deemed satisfactory.

3) The car is now to be repossessed and according to BPF - they will instruct their solicitors tomorrow to start doing this.

4) I have paid just under 4k so far, finance amount originally was £9,693.

There is now £10,185 outstanding, though the true figure accounting for early settlement would be £7,990

- I don't know what figures to use to see if 1/3 has been paid.

5) no consideration given to the fact that my father is ill, and as such will likely have to stay at least a further 3 months in India as he is unfit to travel.

I am totally in a tizz... I dare not risk telling dad his car is to be repossessed but don't know what to do.

Please if anyone can help,

H.

numerous random posts on other threads merged to your first post...

have you the agreement?

have they sent a default notice

stop talking on the phone ..WRITING ONLY FROM NOW ON>

dx

they have sent letters,

latest was to say contract is terminated.

Had a look tonight,

couldn't find the actual contract, will have a thorough look tomorrow.

Is it to late to send them letters as they are just moving to court proceedings?

PS. thanks for the reply, I really do appreciate any help

dont think they know what they are doing by your story....

either you've paid more than 1/3rd and they have to goto court and get a return of goods order..

or

you haven't and they can just come and take the car...

BUT!!

they MUST have issued a default notice.

unless this goes to court AND they get a return of goods order

NO repo company has ANY legal powers to take the car...

you need to get it off the public road [they can simply take it from a public road]

preferably hidden and locked in a garage or atleast on a private drive behind gates

that way the only way they can get the car is by your consent, and without a court order

and you wont be doing that...

do you want to keep the car?