Advantage Finance - a real mess and help needed quickly

[uptomyneckinit]

Hello

 

Many years ago, I bought a car on finance through Advantage.

 

This vehicle was for my wife who 12 mths later cleared off and left me with all the debts

 

To cut a long story short the car was repo'd, sold at auction and then Advantage stuck an AoE on me for over 2 1/2 years

 

I was made redundant last August and they were informed,

Advantage tried to sue but the court ruled liberty could restore

 

Last mth I received a letter from Advantahe stating if I paid £500 they'd accept it in full and final.

Great I thought so responded accepting this and asked for confirmation of how to pay

- the now claim never to have received this letter and now I have to pay £1700 to the Court by 30/4

or everything I've ever worked for to buy on my new happy life will be seized by court appointed bailiffs

 

I've tried talking to Advantage including their finance director Beverley Buryon who said she was "too busy to talk to me"

so as you can see I'm in deep brown stuff and any practical help gratefully received

 

Thanks in desperation

 

 

Richard

[dx100uk]

you need to tell us the full story of the car saga and the court cases.

 

like how much you paid for the car

how much you paid back

what was the agreement

 

what happened at the court case etc etc.

who took you to court

what letters you got too.

 

something smells here

 

no finance co will offer a discount on a CCJ without good reason [penalty charges/ppi/wrongful VT etc etc]

and that reason maybe one that should have been found out before the court case.

 

dx

[uptomyneckinit]

In response to the above. I received a warrant in the post Thursday morning, no summons, no right to reply etc so I've been caught well and truly between a rock and a hard place

 

Time however is not on my side and their stance is take it up with the court cos we won't reply anymore which is blatantly a breach of the TCF rules although given the mess I'm in this is a mute point

[dx100uk]

you need to tell us the whole story as asked

 

it would be unwise for anyone to comment without the history

 

dx

[uptomyneckinit]

Ok Here goes:

 

Bought car for £7995 approx in 2007 on a 4 year agreement

 

The marriage broke down around 12 mths thereafter and the finance co went straight for repo

 

They then slapped an AoE on me from then until 01/2009 which is when I changed jobs

 

The AoE started again from 6/09 I think and carried on until 8/11 when I stopped working

 

They then tried to take me to court - I advised that I was not in a position to pay.

 

At that point the judge ruled in my favour and allowed liberty to restore. This was around 11/11

 

Nothing from court or Advantage until 04/12 when the fin co said for £500 we could settle in full

 

As mentioned a response was sent and heard nothing until bang Thursday I was hit with the warrant

 

I really do not know what to do

[dx100uk]

what type of agreement was it hp/per loan?

 

how did they repro the car and from where and who did it?

 

how did the AoE get done?

they must have gotten a CCJ first?

 

dx

[uptomyneckinit]

It was a normal HP with no balloon at the end type

The court repo'd the car

The AoE I have no idea, was hauled in office and told

I don't really know a lot about this

All I know is Advantage are very aggressive and this is ruining my life (((

[dx100uk]

so there was a court hearing before the car was taken?

 

and what office were you taken into ?

 

as you dont know alot about it

 

you really need to tell us the story not just dribs and drabs.

 

something possibly does not look right with what you are indicating happened.

 

dx

[uptomyneckinit]

This is what I know to have happened, this was a very difficult time of my life with the marriage going belly up etc

I don't know how they went about repoing the car - they came they took, as I'd had car less than half the agreement time I assumed this was normal

Re the office, I mean the office at work when they received the AoE

[dx100uk]

you are saying 'they' came and repro'ed the car

can yo confirn there WAS a court order that decreed the car could be taken?

 

WHO took the car?

 

sorry for being persistant and i get where you are coming from too.

 

but there are important 'stages' and protocols that MUST be adhered too

for certain things to happen.

 

if they are not done properly and too the LAW/rules

it cold mean you owe NOTHING!!

 

dx

[uptomyneckinit]

I don't have any paperwork about the repo

It was a messy break up and a lot of paperwork got lost as a result

I'm going to apply for the warrant to be suspended today and will do a SAR to Advantage

[uptomyneckinit]

N245 form logged yesterday at court

SAR request sent to Advantage recorded delivery too

Fingers crossed