good idea. I will do this and make it my final letter. Funny though because they keep saying they wont speak to me and just to the account holder... But they do still reply!

I dont know if I should write that again. or just go straight to court, it looks like they wont budge! Were just going round in circles!

There reply: Very confused now. They are suggesting that I can only claim for losses and not for the amount ive paid. Also they dont mention anything about their counterclaim. Also they say that the keys were handed over, yes this is true after the car was clamped on private property and the letter posted through the door saying they have contacted the police. They also parked over the private car park and stopped anyone from being able to get in or out! They try to make up an excuse for the fact the default notice was served incorrectly. However again they knew it had been returned many weeks before collection of the vehicle so still there is no excuse. If someone can help me with who needs to make the claim because this is very confusing. As it was all my money I should make the claim? But then I was under no contract with them... Hope someone can shed some light. Thanks!

My reply to the letter from their solicitor firm... Wish id proof read it before I sent it lol!

Theyve had two years to make a claim cir the outstanding. In a recent letter they stated "we havent started legal proceedings or taken the matter further", so why am I writing to them basically. It does seem fishy im not worried about a counterclaim i think its to try and deter me! What do you mean by front the finance?

Hi, I have attached my letters and their reply. IF you note they don't address anything i've actually written. * The default notice in their system notes states it was "Returned Addressee not at address" and yet they still recovered it after they had received the DN back. *The dealershp signed the car straight to my partner when I paid for it and they are saying now that the account holder breached the terms. He never owned kept or paid anything including the deposit towards to vehicle. *He has not moved address and never told them that he has. *They didn't address the fact it was recovered from private property. *A bluff about a counterclaim? Hope someone knows what to do! And thanks in advance I know its a lot to read!

Ok, so she called back and she said that this is very complicated and they have got their solicitors to write back a response which was sent out Friday... Looking forward to seeing what this one says!

Still no response from Honda. They sent me a letter promosing that they would reply fully within X amount of days which is overlaped by weeks. I have just contacted them by phone and he says he will call back! Should I just go ahead and make a claim? Also what do you think my exact claim should be based arround a breach of the consumer credit act? They didnt serve any DN and even admit that they didn't before recovery! Also should I even make a claim, or go through the Obmudsman Service? Thanks! UPDATE: He didnt call back, but another lady who said shed call me back again in an hour. It sounds to be like they don't know what to do...

Ok so finally a response. They said they acknowledge my oroginal letter and the letter asking why they have ignored me. They say in line with the ombudsman service they have 8 weeks to fully respond and investigate and they will send a response by then with a FOS letter.. .. i havent ssid anything about the ombufsman i asked for a refund before court action...

So... no reply to the letter I sent them on the 29th Oct. which gave 14 days...

We will soon find out!

Thanks, I have included your points in my letter! Fingers crossed! Let you know in 14 days!!

Stupidly didn't keep the note from the bailiff! I just have the information they sent to me via the SAR. I am writing to ask for a full refund as I believed they breached the agreement and the consumer credit act as they did not serve the relevant paper work. Ill also ask for 8%. See where this gets me! Thanks!

System notes said AC terminated incorrectly. Also states repo from private property. Let me just clear up I am 3rd party authorised to speak on behalf of the a/c holder. When my friend added me to the account as a 3rd party, I put my address down. For some reason they updated the account address as my address. I subsequently moved from the address and the default notice was sent to my old address. When I called them about receiving no DN, I said that if it was sent there that it was invalid as cust has never moved address nor did he say he lived at my address. They said that I should have updated them with my new address, which I explained as I am not contracted or have an agreement with you, that it was not my responsibility. Also the DN was returned to them days before they repo the vehicle (as written on the system notes). Also says they did not send a VT (am assuming vehicle termination). Literally I was in the process of making offers of payment and had offered the £200 a month (£360 is the payment) they declined the offer and I said I couldn't afford anything else right now. I also said that I thought it was a reasonable offer etc. etc. Next thing I know some guys banging on my door clamped my car on a private car park allocated to my house and parked his van across the car park obstructing other residence. He then posted a note through the door stating he had called the police. He was very rude and said to my wife that if she didn't hand over the keys a recovering van would lift the car anyway. So she handed him the keys. She was in no way authorised my the a/c holder to give up procession which is what the repo man said she did. But even Honda have written that the car was repo from private property and have agreed that. Additional info: Also the fact that they didn't send me these notes until my 2nd letter. You should see the letter they sent back with the additional info I req. Says "We didn't send this information to you as we haven't started any legal action against *a/c holder" which is total rubbish if I specifically asked for this information they had to give it to me. It contains a lot of information they didn't want me to have! so surely they know I can ask for the monies back. (sorry for long post)

I think your right. Hopefully someone will confirm this before I post the letter tomorrow!