VW Car finance Return of Goods Order needed from Court - HELP - dlc direct keeps calling at home to collect car!

[Pathway]

Hi

 

Have car on HP - have paid over third etc - but too late to voluntary surrender car as Default Notice issued.

 

Therefore, they will have to go to Court to get a "Return Order" which I believe this process will now be started.

 

So they get the car back and sell it way under true value - and I am then responsible for balance. HP Balance oustanding about £6000 - Trade value about £4200?. Auction value - who knows? Car values now falling of course.

 

Anyone know whether judges would prefer to come to arrangement - I expect currently I could only offer about £50 per month.- or whether they just issue the "Return Order".

 

Or for me to apply now for a "Time Order" to get rearranged monthly payments of same amount.

 

Any advices - greatly appreciated.

Edited October 30, 2008 by Pathway
add additional word

[Pathway]

Hi

 

Have car on HP but more than a third paid - so they cannot reclaim car without court order.

 

No court action yet to my knowledge.

 

However, it would DCA has instructed agents to call at my home address with transporter! to collect vehicle. Called for SECOND time today! What are they playing at. Intimidation and Harrassment comes to mind.

 

Have offered reduced repayment plan to car finance company - but no response as yet.

 

Any ideas folks - I would love to get the DCA in court!

Edited May 4, 2009 by Pathway
typo

[postggj]

who is the dca

 

i myself would let them covertly take the car, leave in plain sight,

 

as you have paid more than a third and as they have no court order.

 

you will be entitled to every penny paid with interest

 

 

who is the dca

[ncf355]

Keep records

 

Take photos if possible

 

If you have the balls, front up to the guys with the transporter and explain the situation and ask why they are calling given the legal situation

 

Hopefully someone will be along with more info

 

 

Do you have a copy of the credit agreement you can scan and post on here?

 

Have they served a default notice on you?

 

If so, can you scan that and post on here?

 

for both of the above ENSURE you remove personal details from each before posting on here

[Pathway]

Hi both

 

The dca is the chicken farmers - dlc direct legal collections or (hillesden) thier other name.

 

How do u mean I would be entitled to all payments.

 

Default and Termination has been served.

 

So going to fire complaints off tomorrow!

[postggj]

lets gets this right

dlc have threatened to repo the car,

 

they are talking crap as usual

 

can you post the default notice

google photo bucket

deleate personel info

 

who was the original finance co

 

it seems dlc are collecting on behalf of

 

POST DEFAULT NOTICE

WHO WAS THE ORIGINAL FINANCE COMPANY

[Pathway]

Hi

 

Default Notice etc is correct.

 

Finance is VW

 

Have just been reading SU76's saga with VW and all your assistance there!

 

Perhaps I should apply for a Time Order (to change terms of hp agt) - although had been waiting for VW to reply to my offer of reduced instalments. What do u think?

 

As I am now in receipt of disability living allowance will not have to pay court fees etc for the Time Order application.

[ncf355]

You sure the DN is correct?

 

I'm yet to see one that is 10/10

 

Can you post it all up? (CCA, DN, the lot?)