Hi, guys my partner has a car off close motor fiance. In febuary 2010 we missed 1 months payment this is due to my partner being made redunant, we contacted close motor and made half the payment for that month (monthy payment is £139.97 we paid £70) we then cancelled the direct debit and asked them to send a standing order form to set up weekly payments, we did not recieve this so in march they went for the DD again but it never got paid, i made a direct bank payment at my local RBS for £35 and a credit card payment of £40 in march i again asked for the standing order form, i made a payment again on the 24/3 for £40 the following dates are the payments we have made all from my bank,
30/03 = £40
06/04 = £40
13/04 = £40
20/04 = £40
27/04 = £40
04/05 = £40
11/05 = £40
18/05 = £29.41 this is because i rang to ask if payments can be reduced because we are stuffing on benefits and with havin 3 children and expecting a 4 in october 2010 is was a strain on us they said ok but then wanted £35 a week.
25/05 = £35
01/06 = £35
15/06 = £35
22/06 = £35
29/06 = £35
06/07 = £35
13/07 = £35
27/07 = £35
The weeks 02/08 , 10/08 i was unable to pay anythin because the benefits changed and we couldnt make payment on the 18/08 i paid £10 and reset up the standing order for weekly payment on the 24/08 for £35 a week,
This seems a lot to pay a week for us at the moment, but we do it because we do not want to lose the car, we have had the contract since 16/05/2008 and since Febuary 2010 everymonth we have had defualt notices sent to us charging £30 a go!! everytime i ring and ask about them they tell me to ignore them and the charges are not going on, but i feel they are going on.
Last nite 18/08/10 at 22.55pm i got a letter thru the door from a company called Towerhall Solutions and when i rang them, they said it was close motor trying to find out why we hadnt contacted them!, i have spoken to several members of staff of theirs over last few weeks and explained things. They also have our mobile numbers so could have rang us!
Im now worried they will take the car of us, the default notice for 28/07/2010 says the total amount under agreement is £7713.56
total amount paid by the customer up to date of giving this notice is £4353.81.
in the contract under repossession your rights is states if we have paid one third of the agreement which is £2571.19, they can not repossess the car.
But when speakin to the woman at towehill at 11pm she said to hand it back to them i am not stupid i said we have paid well over the one third and are making payments but some weeks can be a big struggle and explained we due in 7 weeks 4 days and she just said they mite demand the full amount of arrears or go to court to get the car! WE are scared now as i can prove all the payments we have made and the fact the standing order has been reset back up for the £35 a week which is still to much for us but they refuse to go any lower, on the 5/08/10 i got a card from them sayin amount in arrears if £140.41 but i have made a £10 payment on the 18/08/10 and reset up the standing order of £35.
I am sorry for ranting on it just a big matter for us as we need the car and just want to get rid of close motor now causeing us too much hassell:(