Black Horse have issued a court date for possession of my car Please HELP

[Guest suziedarkness]

bump

[cosalt]

Thnks cosalt, what does hitting the red triangle do?

 

Hi suzie, hitting the triangle alerts to a mod an important thread that needs urgent help, or one that is abusive. It obviously should not be abused but is there if you really need it.

 

I see you are getting help now

 

Cosalt

Edited April 3, 2009 by cosalt
dodgy spelling

[Guest suziedarkness]

Hopefully cosalt if UK Aviator comes back

[cosalt]

Suzie, I may have asked this before but can't remember the outcome - have you posted up a default notice ?

 

Cosalt

[Guest suziedarkness]

no I havent. I do have one but have no way of posting on here. I can type it word for word if you like. Think they got the dates wrong. I only have a few more days to come up with a defence. Think im done for

[cosalt]

Yes please let us know the details of the DN, other issues aside, a duff DN could go very much in your favour.

[Guest suziedarkness]

ok, will start typing it, please be patient will take me a few mins as i am using one of those tiny laptops

[Guest suziedarkness]

I haave just typed twice and lost due to loss of internet connection. Im so mad.

basically DN dated 5th Feb and they say I must remedy breach by paying arrears of £xxxxxxxxxxxxxxxxxxxxxxx BEFORE 24th Feb. Is time allowed correct due to them posting 2nd class?

[Guest suziedarkness]

What sort of thing can make DN no good?

[cosalt]

I haave just typed twice and lost due to loss of internet connection. Im so mad.

basically DN dated 5th Feb and they say I must remedy breach by paying arrears of £xxxxxxxxxxxxxxxxxxxxxxx BEFORE 24th Feb. Is time allowed correct due to them posting 2nd class?

 

Well they are out - by one day, if it was second class ( have you got the envelope?) Then date of service was 11th, so only 13 days notice

 

I do feel for you on this, give it til tommorrow then hopefully someone will come and help.

 

Don't panic - we will get it sorted

 

Cosalt

[Guest suziedarkness]

thanks for your encouragement cosalt. I hope you are right, I have to get my defence in by Tuesday and I just dont have a clue.

 

I have been phoning tradin g standards but cant get any joy there, You phone through to a central office, explain the problem and they pass it on to your local office who in turn contact you. I have phoned several times telling them how urgent it is and they promised the local branch would call me today. Did they? not a chance.

 

I am really losing heart now because I just cant get any answers.

[lightup]

sorry to but in but i have a dca threatening to take me to court ,link fs, on behalf of ford credit they have been assigned they want me to hand back the car back they say they will get a repo order can they do that?

[cosalt]

sorry to but in but i have a dca threatening to take me to court ,link fs, on behalf of ford credit they have been assigned they want me to hand back the car back they say they will get a repo order can they do that?

 

Hi lightup, have you started your own thread ?

 

If you have paid more than a third of the total amount payable ( this figure should be shown on your agreement ) then they will have to send you a default notice ( which must be correct), terminate you for non-compliance then take you to court.

 

If you have paid less than a third then they still need to default you, terminate you but they can repo without a court order.

 

Hope this helps. Have you posted up your HP agreement, it may be flawed ?

 

Cosalt

[Guest suziedarkness]

cosalt, would the fact they are wrong on the DN by 1 day make it no good?

[Guest suziedarkness]

UK Aviator are you still there?

[IdaInFife]

Hi Suzie,

 

Is it this tuesday 7th your defense needs to be in?

 

Ida x

[IdaInFife]

as you need help asap i have asked a mod to move your thread to legal issues to try and get better help for you

 

 

ida x

[IdaInFife]

ok have a look through this thread as this should help

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/159527-help-please-only-4-a.html

 

Ida x

[Guest suziedarkness]

Yes Ida, this tuesday. Thanks for your help so far

[atwozee]

Suzie – I suggest you phone the court Monday and ask what happens at the hearing – this type of claim doesn’t necessarily require you to put a defence in at this stage – you may wish to do so after the hearing.

 

They will not get judgement by default if you don’t enter your defence – also the x20 defence is a good starting point if you need to put one together in a rush – if you read it, it is cleverly worded so as to ensure the claimant provides valid contracts etc…

 

I think the outcome of the hearing will indicate whether you need to defend and the judge will set out how the case will then proceed.

Edited April 4, 2009 by atwozee
Forgot what day it was

[alanalana]

Hello suzie.

 

As requested by Ida am moving your thread to the legal forum where you should get more help.

 

aa

[IdaInFife]

If you can suzie can you scan or post up what you have received from the court, this will allow us to see exactly what is required.

 

Ida x

 

thanks aa

[Guest suziedarkness]

Hi Ida, i have no way of posting it here, no scanner or anything but if you take a look at this thread http://www.consumeractiongroup.co.uk/forum/legal-issues/168664-black-horse-car-finance.html Bubble Cat received one from Black Horse exactly the same although dates etc are different obviously. Look at post #10 where Surfaceagent says what type of claim it is and Bubblecat replies by typing it out exactly. this might help.

 

suzie x

[IdaInFife]

Looking at the other threads, some form of defence had to be entered.

 

because of the various thread etc my head is spinning and maybe we could re clarify a few things at this stage.

 

1. DId you receive a defult notice?

if yes can you confirm the date of the DN and the date it stated you had to rectify things?

 

2. How far into the HP are you?

 

3. is there late payment and admin fees added?

 

Ida x

[IdaInFife]

also,

 

I know you started these threads cause you wanted to VT but they wanted more money then later in threads you want to keep the car.

 

when did you stop making payments and what do you want now to acheive?

 

ida x