Just watched a program on C4 about UK's APPRENTLY most notorious car repo guy (and what a massive tool he is) and was just wondering about some things on the subject. First of all, the fact they can take a vehicle back after it's been sold on because the original owner owes the company money is utterly disgusting as it is, but regardless; 1) Is the court order that they apparently bring along with them enough to repossess from property that DOESN'T BELONG TO THE CURRENT CAR OWNER...ie if car owner stored the car elsewhere on private land other than his own? 2) Can the financing co. repossesss the vehicle after it's been sold on AND ALSO claim the original debt owed by original owner? eg, I still have Black Horse claiming I owe them money on a vehicle I bought way back in 2003....SURELY it's been reposssessed by now from the person I sold it on to, as this seems to be the done thing?

Hi there, wonder if anyone is able to advise me. I bought a car in April 2010 on a 3 year credit agreement financed by first response. I am almost now in the last year of the agreement. the problem is that the catalytic converter and the auto gearbox is on it's last legs and is going to cost more to replace than the actual value of the car. I put the car through an MOT one month before it is due and there are numerous faults. I am wondering whether to get rid of the car before the MOT is finally up and put it in PX for another. My problem is this, will First Response finance me for another car so instead of a three year agreement, it will be a four year agreement to cover the remaining finance on the current car. I have checked the net for similar situations but can't find anything. Any advice appreciated Many thanks jb000

Evening all, Looking for some advice on this one. Back in Aug 2006, I entered a HP agreement with Welcome Finance (stupid I know). Made contractual payments up until Sep 2007 at which point I had to leave the country for five months, during which time the care of the contract and car was left in a trusted friend. I paid money into their bank, they made the monthly payments (or so I thought) until my return in Feb 2008. Upon returning to the country, I found out that my friend had not made any payments, and in my absence Welcome had repossessed the car (from private land that it was parked on). I was obviously severely annoyed at the time, called Welcome who was extremely unhelpful but assured that was the end of it, the contract was terminated and I had no remaining liability.... How naive I was to believe them. Last week I had an account entered on my credit file by MKDP LLP, showing a default in January 2010. Immediately queried this obviously, and have been sent details of my original welcome agreement stating that I had an outstanding liability as the car sold for less than its value. Looking at the contract, this shows that if I have paid more than 1/3 of the value of the contract, they are not lawfully allowed to repossess the car, and if they do without a court order I can reclaim all monies paid into said contract. I advised Welcome of this, but now they are claiming that 'I voluntarily terminated and a letter was sent advising of this'. I hadnt sent any such letter, and the date they quoted for the letter was when I was out of the country, so have sent a SAR to them for copies (am fully expecting a forged letter in all honesty). If they cannot provide a copy, then obviously i'll give them a chance to pay up before an N1 is filed. Can anybody offer any advice as to the next steps, if it does come back clearly a forged document, what are my options? Also interesting to note that the value they are claiming to be still outstanding, is less than half the value of the mis-sold PPI on the contract. Cheers

I cant find this anywhere sorry... in Feb of 2011 we recieved a suspended repossion order.. the repayment was difficult to keep up with... we have since been back to court 2x with new judgements... my question is.. we have kept up with the latest and the Mortgage is through Santander and now we are getting letters from their solicitors HL Interactive referring to original order. We understood that because we went back to court the most recent judgement is what we have been following and according to that we are up to date.. can anyone advise please???? ThNK YOU

Hi I'm hoping someone can help me. A colleague has just had his car repossessed by the above mentioned company for failure to pay fines. The fines relate to him being parked in his private space which he pays for the privilege. The first fine was due to the fact a permit was not on display which he has contested on several occasions and they will not back down. The fines have been ramping up as no party will back down, my colleague clearly pays for the spot and T&s are aware of this as all the registration plates are on a database. Yesterday his car was towed away, without authorisation from anyone, the police are not interested as they say it is a civil case, and now he has been told the car will be destroyed if he does not pay. Please help

I'll start with a bit of background information so you can help as best you can. Basically at a very young age I fell for the whole credit thing and ended up quite deep in to debt. Instead of declaring bankruptcy I decided I was going to get out of the mess myself so I quickly signed up with a debt consolidation company, the only debt I couldnt add to this was my Hire Purchased car. If I added this then the car would have been taken. With my other bills lowered I have managed to pay off around 80% of my cars debt 3 and 1/2 years out of 4. I have fell behind 2 months and a total of £531, then today I receive a letter stating that my debt had been passed to an authorised debt collection agency to arrange a repossesion, also a £300 fine would be added to the debt for their troubles. Ive read that this is illegal if you have paid over 1/3rd of the original amount but when it comes to me vs them on the phone they tell me it can easily be arranged. I have £250 here that I am willing to give to them today and then I will settle the rest as soon as I possibly can, but this doesnt seem to please them. I really cannot lose this car as it is my transport to work, my work is my livelihood that is paying for the rest of my bills. Any help you can give me will be appreciated

Hi some advice needed i purchased a van of a friend in January this yr and gave him the prcodes of 750 pounds of my old van ..and also 250 pounds more in cash.as he said the vehicle was thousand pounds...i went bankrupt at the end of Jan.on Sunday he has taken the van while i was away on holiday and has locked it in his unit and is now demanding 1500 pounds for it...and all my tools are in the back so i can now not work without my tools so won't be able to pay to my bankruptcy what i pay every mth as impact not working .. i phoned the police who have said it is a civil matter even though he has no proof of ownership of the van or theamand is refusing to give back i cannot also afford to keep paying the insurance payments on it as im not working so would just like to no what i can do as dnt pay him instead of my other creditors and also dnt get my van and tools for work .....help needed

Hi gauys, you helped me a few years ago with a bailiff problem. Now a friend of mine has a problem so I thought of here. Back in 2009 my friend ofered his house for vountary repo and went to court. The Mortage company have now sent the debt for the negative equity to a solictors for collection. As he owes in the region of £40,000 he is considering bankruptcy. Any help and adivice would be gratfully recieved. Thanks in advance, UKP>