Hello,

Can someone help before I go and seek legal advice.

I bought a car of these guys six months ago,

I had a few issues with my bank account getting cloned and reported this to them with also a change of address.

They have now terminated the agreement without me receiving the paperwork and sent a recovery truck.

I can clear the arrears and make the payments as agreed from now on in and I have made them aware of this.

They just say tough but I am willing to go to court.

They have threatened me with they will contact the police and report the car stolen.

Can anyone advise on what my rights are?

Anything will be appreciated.

is this a bil of sale one

have you checked the bill of sale is registered correctly.

did you receive a default notice before they tried repo?

I assume you refused the repo?

Hi,

Thanks for your prompt reply.

I am not sure what the agreement is

however I think It will be the one they generally have.

I will look but I am away at the moment.

I changed my address verbally over the phone and the they said they didnt have this info

therefore sent the documents and pick up truck to my old address.

As i say I am more than willing to go to court with this because the shortfall will be 10k for a car that I will no longer have.

Thanks again in advance.

These people are an absolute nightmare! They are utterly incapable of understanding even the most simple information.

You should write to them (by special delivery) stating it's their mistake not yours and that if they don't rectify and allow you to make the missed payments you will apply to the court for a hearing

Hi,

Thanks for your reply.

I have tried emailing them and explaining the situation but they insist on not being interested.

I have requested the documents(default/termination) so I can take the matter to court.

They say the recovery agents will be happy to show the documents upon collection.

The car will be kept on secure private property but they are saying they will report the car stolen,

is this right or can I just apply to court to try and present my case?

Any advice is appreciated.

Might be an idea to get a Time Order application into court as soon as possible before any unpleasant situation arises with the recovery people.

just remember the recovery people whomever they claim to be

ARE NOT BAILIFFS.,

they have no real legal powers to do anything

that they might intimate they can do.

Hi,

I would like some advice on the above cowboys.

I had my car repossessed for non payment that I am guilty of,

I purchased the car for around 15k and had paid around 3k at the time of repossession.

The car was sold at auction for 9k yet they are insisting I pay them 19.5k.

I feel my only option is to go bankrupt and then they get nothing.

I have offered them repayments on a reasonable settlement but they offered 10k lump sum settlement for it all to go away.

The advice I would like is;

1. The car risk stands them at 15k they have a genuine shortfall of 4k but theyre chasing me for nearly 20, is this legal?

2. I never got the option to VT

3. I have got all correspondance

Any advice would be much appreciated.

Cantona

ive merged an old thread here

so you didn't do a time order?

you let them repo?

it was for you to initiate VT

but you never cameback to update us

tell us about the repo

Sorry for late response.

so you didn't do a time order? No

you let them repo? Yes

it was for you to initiate VT

but you never cameback to update us

tell us about the repo The repossession was agreed with notice and was official with signatures etc.

They have gone very quiet since after initially sending a few letters. I threatened them with going bankrupt and made them an offer of 10k via installments but I believe they are being investigated by the FCA.

A friend of a friend of mine who is a solicitor reckons they are repossessing every day all over the place and are in court non stop.

Would you advise to complain to the FCA about how I can owe £19,485 with nothing to show for it?

Cheers

P

well by default then you let them VS

you owe the whole lot sadly

that was a very bad thing to do.

Have you any ideas why they have gone quiet and are being investigated?

yes , probably going under

rumour mill has it provident, vanquish, sunny, moneybarn are being wound up.