Hi, How was this resolved?

Phoned the St Martins Hotel up, to enquire about dropping off. They said there was no problem dropping off outside?

Just got the sar details back, which was quick. What I am looking for as unfair charges? I am going to send another offer to pay the arrears off in writing but would like to know if anyone has ever taken a finance company to court over the unfair charges? I need to spend some money on the car for repairs as I have a buyer and already found another car. Someone posted once 3/4 paid off the finance company are no longer owners. But have had no reply on that thread.

Being Licensed allows you to drop off anyway, so just appeal it.

Hi, firstly get your money back, then report him to ebay, which you already appear to have done. Other than that, its one of those things you should put down to experience and move on. Honestly it is not worth going any further as the seller will come up with an excuse and it will not help you. Just let ebay know that you hold them liable and you want the seller removed. This would be the best outcome as it will be his lose in the long run. It is not worth doing your head it. That is the ebay world, lucky it was not a [[con/problem]] and you lost your money.

Hi, You will have to appeal this straight away as Westminster issue without a care in the world. You have to do the work now to get it withdrawn. Appeal it and dont be surprised if refused. You will win in the end.

Having read this thread with great interest, there is 1 point I would like to talk about. There is a statement which says after 3/4 has been paid the finance company are no longer the legal owners? So, if someone has paid off over the 3/4, could they legally sell the car and repay the balance or just carry on paying the remaining debt? Say for instance there were 2 payments left and charges. Could they sell the car and then dispute the charges as a debt.

OK, wil type the SAR out.

Just had an interesting phone call which I find strange from the colections/recovery company. I offered 50 pound a week but turned down. The extra fees however, now exceed 600 pound.

Thanks again dx, what is a SAR?

No, I got stung by the dealer I bought it through, he took a 2500 cash deposit + a 225 document fee. Borrowed 9000 and interest was 6181. Will recheck all payments as I paid quite a few fees early on when I changed payment dates and moved bank accounts. There was a fee every time. I can also see how they seem to take payments off the charges as you say and keep the arrears high. I will get all my bank statements from day 1, as the fees are looking quite high. Thanks for the help.

Thanks dx and Ell. Up untill I became unemployed every thing was fine as I had lost someone close in the first year I bought the car and had funeral expenses, phoned Duncton as they was then and spread a payment over the next 3 to help me out, with no problem. This lot, different ball game. I will check back every thing and see how much charges have gone on. In the mean time I am going to offer a payment plan as I just want to clear the debt having invested so much into the car. I am so glad to see the court has to notify me as the recovery guy stated that they get an order without having to contact me and the car will just be removed. I will let you know the responce I get. all the best and thanks again

Moneybarn

Hi, new to the forum and having just read a fantastic post on a welcome loss, made super reading. I used a different company and bought a car over 48 months. After 36 payments, I lost my job but still managed to pay another 7 after that. This left 5 and I was finding it hard. I phoned the company and the rep was not interested in spreading payments. I defaulted but managed to pay the next instalment, leaving 4 but still a month behind. Charges were being put on but still no movement from them, they just wanted the money. I then paid the next payment ,leaving 3. Finally I reached an agreement with a senior rep and the last 3 payments would be, 367 instead of 322. I put the money in the bank but they tried to draw 467 and the bank returned the request. They served a termination notice and handed it over to another company. 3 months later I get a knock at the door and someone threatens to remove the car if I do not pay 1140. I ask if he has a court order and he says, NO. I told him I wish he had taken it as I could have claimed all the money back, he laughed and said he nearly did but checked the notice and saw there was no court order. He said he would have been liable had he had taken it. My question is, if the company apply for a court order to reposess. Does the court have to notify me directly as I want to make an offer to pay the remaining 3 payments off over a period as now unemployed. Or is there another way to resolve this, as I feel the company has broken an agreement and given me no chance from the offset. Thanks for any replies.