Hi

I bought a car from Approved Car Finance in 2008 for around 6k,

Back then I couldnt afford it and it got repossessed (illegally according to Stephensons Solicitors).

The Funding Corporation took me to court,

Back in those days there was no websites like this to help so I hid my head in sand and lost....

I had the odd letter from them,

a year or so later a solicitor sent a nasty letter which I wrote back with a load of complaints,

I trying to rebuild my life, as my wife passed away a few years back

I met a lovely lady and we started a family together,

but we need to move on,

I decided to sort all my debts out and look to move...

today this is in tatters as Funding Corporation want £27k to settle this debt, which I truely believe is all miss selling.

PPI, Warranty on Car which was not fit for purpose, GAP Insurance, I was without the car for the first month as it was faulty, illegally repossesd...

Where can I go from here, the CCJ was recorded in 2010, and they put a charge on my house.

well, you can reclaim the PPI and so forth.

as for the charges added at the time that were unlawful or without foundation you will find hard to get rid of because they took you to court and won.

I presume that they claimed interest as well that is still being added.

I dont think they can do this for more than a year after the judgement if you havent paid them anything at all.

illegal repossession

- well, agian you are too late as you have 6 years after the event to take action so that has passed by as well.

you can claim interest on the PPI and that will claw you back a goodly amount from that time

but you are likely to ony get 6 years worth

but if they have added interest to your bill then they will have to reduce their debt accordingly

so after this time the amount the PPI is worth will be double what you paid out.

Others may know more about the illegal repo and whether you have any comeback there after all this time.

Is the debt solely yours but the home jointly owned with your late wife?

Go check that charge. Check if its an actual charge or something like restriction K. You can check it at the land registry.

Hi

it was a joint debt with my wife, as I Was doing the process of getting ready to sell,

I had to have her removed from the land registry, which I did last week. id

This is a full charge on property so has to be cleared with any sums.

Aw that's a shame

Why was it an unlawful repo..

Expand that and your complaint s

CAG was founded in Jan 2006 .

Have you retained the original court claim N1 ...in particular the the particulars of claim ?

Also a coy of the Judgment Order informing you of payment ?

This is important to check the validity of this interest being charged.

Andy

i do have the original court paperwork and a draft letter fro Stephenson solicitors, but at that time I couldn't afford for them to represent me, and I think that's when I gar up and stupidly did nothing.

I dig it all out and scan it and upload here

i do have the original court paperwork and a draft letter fro Stephenson solicitors, but at that time I couldn't afford for them to represent me, and I think that's when I gar up and stupidly did nothing.

 

I dig it all out and scan it and upload here

One multipage pdf please

Read upload

uHi guys,

I attached some documents,

the original application,

Bill of Sale,

the clients Court application form,

the court order,

some debt collector letters,

I have another box with loads more info and later I will add my full breakdown of what I feel is wrong with the wholething,

including the shocking info I found from the car once it had been repossessed..

Please find the docs attached to view.

TTSU.pdf

Great work

Keep scanning!!

Agreement is void under the CCA?

Insurances are not mentioned nor broken down anywhere

Go get all your moneyback and todays worth for the car you no longer have?

thread tidied

corrected upload in post 11

dx

So how do I go about this, it's been a burden on me...

what gets me is that a car finance company repossessed the car and then Acf at same car at auction for a pittance..

when they could of sold it in their own dealership to another mug like me for the Same price...

I also discovered that someone has been playing around with the mileage !

I have asked someone to pop in when they have time re my post 13 thoughts

but its the holiday period

hi, is there any advice on this on how I should proceed?

DX already gave youa dvice. Go get reclaiming. Theyre cash cowing you hard.

Do I go back to court to overturn the CCJ

if I were to be totally honest

that's why I asked someone in the know to pop in..

the Court order was from 2007

but if it now appears the Agreement was void as I point to p'haps the case above

i'm not sure if there is a route or not to over turning the whole thing and getting money etc back out of them..

not seen a case like this

first forget about where and why they sold the car

You owned a property, they took the route of least resistance

Similarly the mileage irrelevant to your current situation

The problem here is you believed or were advised that you had a defence to the claim eight years ago.

Whilst there is no time limit to set aside a judgment , the court would want to know

a) why you did not submit your defence at the time given you had the opportunity,

b) you have known about the judgment for eight years,

but have done nothing about it till now

Burying your head in the sand would not be an acceptable reason

I cannot on the face of the facts see a good enough reason to attempt to set aside the judgment

Your best route is to mitigate the amount owing by reclaiming the insurances

However let's see the rest of the paperwork you hold especially the default notice and the exact date of repossession

Thanks OR

Dx

thanks so it's a case of literally picking off all the insurances one by one to lower the cost.

However let's see the rest of the paperwork you hold especially the default notice and the exact date of repossession

and^^^^