the solicitors have written saying that Santander are agreeing to £25 per week and that they are writing to the courts asking for a suspension of the possession order

Can someone please answer the following question. Can I sell the car to either my partner (as its needed for work) or someone else even though its going to court as a repossesion order or would this be illegal?

URGENT NEEDS ATTENTION i have today received a letter stating Santander are taking me to court and a date has been sent. I received a letter from their solicitors saying that they noted i wished to make a payment of £25 per week in order to clear the outstanding debt and asked when i could start making paymentd. The first payment of £25 was made friday 12th October 2012. However today the letter i have received states that they are making a claim for the delivery of the vehicle (bearing in mind i use the vehicle for work and without this would make me jobless) and damages persuant to the termination of a regulated sale agreement. I have not received a defence for court which is what ipresumed happened before a court date got set. is it different this time because a they are wanting the vehicle back. They have also sent a particulars of claim. unfortunatley i can not scan up as my computer is not working. can someone please help me on this as i am worried they take the car and leave me out of a job thanks

its been agreed with chafes solicitors. ok will do thanks

sotry for the late reply, computer got a virus. I sent the letter offering £25 pw and they sent a reply that they are willing to accept this and the first payment has been paid

yes they sent the full 6 pages wasnt sure if u wanted to see them other t&c and they also sent a statement of all payments and charges. havent offered them the £100 per month as yet as not sure whether to send the letter

I sent Santander a letter of complaint and received a response by letter on the 6th September saying they were investigating my complaint. However today I have received a letter from their solicitors saying that they have been instructed to go ahead and issue county court proceedings. (Will post the letter up for you to see). Shall I contact their solicitor by letter explaining that the offer of £100 per month is still available to them and to say that it was actually their client that stopped the payments as I was paying £100 per month then they decided to terminate the agreement.

Sorry for the delay am having problems uploading so have asked AS to do this for me

have received some letters from Santander. I will scan them up for you all to see. The first one which was dated 23/08/12 (but received a week later) is that they are investigating my complaint Yesterday i then received the CCA request but also received a letter which is notice of impending action (again received a week after the date on the letters) Once i have scanned these up can someone please advise me on what to do next thanks

have today received a letter from Santander saying that s78 of the Consumer Credit Act 1974 does not apply to my agreement and have also enclosed the £1 postal order i had sent them. not sure what to do next, can someone please advise thanks

thanks, will get the cca request sent tomorrow

i havent sent a CCA request because when i did the SAR i received the agreement with that. will send them a doorstep letter, as have now received a letter from them saying they are sending an agent to my property.

ok thanks

have been reading the posts but am confused by it all lol. Shall i send them a letter saying that my offer of £100 per month is still there, or shall i just wait to hear from them next? can someone please advise on this thanks

thanks for posting that, will wait for dx's advice

ive done that it wont let me upload to attach to a post

am having problems trying to upload the letters it wont let me upload them

have today recieved a letter from Santander, Demanding the return of goods and want me to call them in 7 days to agree to collect the car (obviously am not going to do this), if not will get a court order and then come and collect the car. They have not responded to the letters that was sent regarding outstanding charges. Can someone please advise on what to do next Thanks

have rang the courts and it is still stayed, they have advised that i can get it struck out at a cost. would it be worth doing or shall i leave it a while longer?

have sent the letters off am now just waiting for a reply

i have been looking under the library but am not sure what i should be looking for, can someone please advise me to which letter i need, thanks

it doesnt say the letter heading just says Anglia

ok thanks, can someone please advise me on the best letter to send with the charges letter please. also today i have recevied a letter in the post from another dca anglia, who say they are wanting the outstanding payment within 48 hours and if not they will send someone to the property and may also take the car under the agreement can someone please advise me as i now dont no who i am dealing with thanks

ive got 2 different interest rates one at 13.8% and one at 6.7%

what interest do i use for the spreadsheet please?