I'm going to start reading the other threads after I've posted this as I'm sure there's some great advice on here. Well aint I the silly one.. Not only am I silly enough to get a LBL. Terms were 4k started Dec 07 for 2 years. They've already been paid over 7k. I fell behind and woke up to find one of their glowing yellow clamps on my beloved car. I was that fed up with it I mistakenly told them to take it thinking it would be the last I ever heard of them. HA - Foolish I know. I am interested as to why the respectible Anglia "Bailiffs" put a credit check on me!?! Well I got an interesting letter today saying they' disposed of my car at public auction - no idea how much as of course the letter didn't say. What it did say was after the net proceeds had been applied to my account that a sum of £11,465.89 was still owing. However them in their caring nature would be willing to accept a settlement figure of £3505.24 Generous!! - even would hold that for 7 days from the date of the letter (which gives me 3 days) More interesting are the words that it will be passed to a debt collection agency after seven days "which will use every channel available to recover the monies" Then they actually threaten legal avenues like court and putting an attachment on my home. My question is this? Who's got to this stage before? Does anyone know what those other channels are? Thanks Georgina

Ok here goes! Took out a loan for £4000 with these people (for want of a better word ) back in October 2007, got a bit sticky with the payments around christmas and ended up getting a letter of of Anglia bailiffs.... so I'd already paid 14 months of a 2 year loan so this was over 5000. Following charges and arrears, parents lent me £2700 to stop my car being repossessed so total now £7700 at least. I was 2 days late with the next payment and woke up (the day the car was loaded with camping gear for me and the kids) to find one of their luminous yellow clamps. I was getting really depressed with sorting all this out and after a very irate talk from Anglia's bailiffs I reluctantly thought I had no alternative but to hand my beloved car over. This was in the beginning of April and I haven't heard anything since. However I am carless and probably will be for a while yet. With them having my car and a fair bit of cash, is there anything that anyone can recommend that I do? Any advice would be welcome Thanks