Thanks for answering my post - much appreciated dx - I have sent a SAR to Moneybarn. The letter I got was from DWF Law LLP stating they represent Moneybarn. The agreement is 60 months. First payment was made in June 2020. To date I have made 12 payments between June 2020 to Oct 2021. (Sorry I am dyslexic and my maths isn't good enough to calculate 1/3 Noted - I will not communicate with Moneybarn / dwf verbally. Apart from the SAR, shouldn't I be applying for a Time Order? Regards LH2021

Hello there Needing urgent assistance in how to deal with Moneybarn please. I think I need to apply for a Time Order (having read up on some of the threads here) but not sure so need some guidance please. In short – took out car finance with Moneybarn 18 months ago. It is a conditional sale agreement and covered by The Consumer Credit Act 1974 Fell behind with payments earlier this year and Moneybarn threatened to repossess the car. I spoke to them and agreed I would make regular payments and any extra I could manage. (No exact amount of the overpayments to be made was discussed) In the meantime, they would get their Legal dept to contact me re a consent order. They suggested if I made regular payments, I would get to keep the car. We went through my expenditure; I sent copies of my payslips and completed a direct debit mandate. They did not action the direct debit on their end, so instead, I made manual overpayments. And have done so for many months now. Then I received a Default Notice and later a Notice of Sums in Arrears. But as I was expecting contact from their Legal Dept re the Consent Order and that fact I was making overpayments as agreed, I assumed I was doing the right thing. I have now received contact from Moneybarn’ s lawyers demanding I pay the full outstanding balance. I want to keep the car but cannot pay the full amount they are now demanding. Moneybarn' s lawyers state I either have to make a payment of over £20,000 or surrender the car. But also mention if I have spoken to Moneybarn re a repayment plan, court action will still be started against me / a consent order or suspended return of goods order can be arranged in Court etc. Would appreciate any advice as to what I should now do. Thanks LH2021