Car loan

[ben08]

Hi

 

I have car finance to which i fell behind with my payments due to losing my job, i have paid over a 3rd off. It has now gone to court next month...do i have to appear?

I have now got a job and feel i could manage the agreement monthly payments.

I have N9c form to fill in with my proposals for payment so that i can try and keep the car, i was thinking of offering my monthly payment plus an extra 20 or 30 pound until i can afford to pay more off the arrears.

 

Has anybody gone through something similar ? I dont want to get my offer refused and dont want to lose the car!

 

Thanks

[postggj]

may i ask who is the finance compant to begin with

[ben08]

yes sure, its audi

[postggj]

next question

when did you take the agreement out

 

have you written to audi with your new change of circumstance and offer of repayment now you have a new job.

 

even at this late stage they can withdraw there claim if they accept your proposals

 

contact audi direct

[ben08]

I took out the agreement Nov 06, when i got the job last month i contacted audi told them i can start making monthly payments, they told me there was nothing they could do to help me!

[postggj]

they are trained to say that to get there money

 

contact audi collections again by letter asking to resume the agreement now you are in full time employment

 

it does work some times

 

did you ever get a default notice

[ben08]

I will try tomorrow! Thanks

 

Yes, i did get a default notice and they passed it over to a debt collector who wanted full arrears amount within 1 day

[postggj]

who was the debt collectors

 

if possible can you post the default notice onto your thread minus personel details

google photo bucket, its free

 

if the default notice has not been laid out in a certain way, bang goes the court case

[ben08]

I will try to find it in tomorrow, and post it on here 6pm ish... if that's ok ?

 

Thanks

[postggj]

we all help each other on cag

[ben08]

Heres the default notice served to me

[postggj]

can you repost, its to small

did you use photo bucket

use option for message boards

[ben08]

hope this works!!

Edited November 11, 2008 by ben08

[postggj]

sorry

link does not work

you will get it

 

try again please

[ben08]

I will keep trying

[ben08]

[ben08]

i dont think i can do it

[postggj]

youll get it

still to small

took me a while

scan the image into your computer and save

upload immage on photo bucket

click on the inage box

then post under the option message boards

 

popping out for a bit and will look in again in a few hours to comment on default notice

 

thats if some one beats me to it

[ben08]

Edited November 11, 2008 by ben08

[postggj]

hi ben

 

i believe ive spotted a few errors

one thing i need to know is

 

they say payment to rectify the default needs to be made by 27/10/2008

 

what was the date of the letter they sent you (default notice )

[ben08]

8th or 9th Aug

[ben08]

8th or 9th Aug

[postggj]

thanks

 

creditors normally cock up by not allowing 2 days for service

thats not the case

ime digging up an old thread ref default notices

they have to be laid out in a certain way and parts need to be underlined etc

 

while i go huntting, so bare with me, may take time

 

can any body in the mean time give a link to the thread where it shows how a default notice needs to be laid out and what it needs to contain

 

many thanks

[ben08]

bump

[postggj]

still looking ben

not forgot about you

any one else post a link on default notices