24th February 2011 19:13 sequenci 24th February 2011 21:48 bluedogx Thank you for your responses and helpfull links. Sequenci - Option A is really the only one I am interested in presuing, I want and I will be in a position to bring the account arrears fully up to date by end of March 2011, it's just that Finance company will not help me through my temporary finacial difficulties whatsoever. Anyway it's a time order that I'm going for. Quick question regarding applying for a time order to court. I believe at this stage I should be using an N440 form - is that correct and also must I use the srvices of a solictor to fill out form??? Thanks for all your help and support so far.

Where would I find these brokers that could sort out refinancing for me??? Going by past conversations with this company, I could never imagine myself getting permission for them to allow me to sell. Reckon market value to be around the £10000 mark

As far I can see that is my only option unless there is anything else I can do that I'm missing??

Just had Finance company on the phone, they are saying the agreement is terminated and as I'm not handing back the car, they are handing it over to legal department. Should I cut my losses and just hand the car back or what is next step????

Its not Black horse but I've explained the situation but they are not being too helpfull to be honest. I have sent another letter and email of the same today outlining how I propose to bring the account back up to date. Just not sure what the ins and outrs of the time order is. Will have a look for arrears handling on policy.

Thanks for taking time to reply. I had only made 3 payments when the arressment hit make right out the blue (council tax bill from old address, messy spilt from ex, thought everything had been sorted there) I have received a default notice but no letter of termination. Time has obviously passed to comply with default notice but I am in a position to clear all arrears by end of march, hence wondering if going for a time order is the thing to do. I have a good job with very few commintments each month so should be able to satisfy a judge that there would be no problems paying in the future

Anyone Help??

Hello, As the title says I'm in a bit of trouble regarding car finance on HP. I'm hoping I could recieve any of the excellent advice that has been passed on in this forums and to hopefully help me decide the best way forward. I have trawled through the post and have found some very usefull info but things are starting to get a little bit hazy, cluttered and confusing so could do with some help. Little bit of history - I took out car finance in August last year, ran in severe financial difficulties (wage arrestment) at end of November and have fallen into arrears (3 payments) I am now in a position to make an overpayment this month and to clear these arrears by end of March and see no reason why I would not be able to continue original montly payment thereafter. I was contacted last week by a repo company asking to arrange to pick up my car, on contacting the finance company I was told that agreement was terminated and only way to stop repossession was to pay full amount, just over £20000. I am looking for advice on what is the best way forward to deal with this with the following. - How to deal with the Finance company - Dealing with the repo company - I'm in the middle of writing a letter outlining my offer to bring account up to date but should I apply for a N440 time order form aswell - Should I inform Finance company of my intention to apply for a N440 Any help would be much appreciated, Thanks in advance