Car loan advice

[markeymark]

Nope I think that's everything, I sent him an email asking for court details, payment statement, list of penalties,details of sale of car at auction, beginning to think they never even bothered getting in one and went straight to auction!

[dx100uk]

quite honestly

 

i'd sent thema letter

one chance only now

 

settle with me

 

all my payments + 8% stat int

+

cost of new car

 

14 days.

 

else see you in court

 

ida your thoughts

 

dx

[markeymark]

Ok, and if they refused, how do you take them to court if they refuse?

[dx100uk]

although this is not you exact situation

have a read

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?150726-Car-Repossession-by-Welcome

 

dx

[markeymark]

Cheers m8, have read that and sounds very similar to my case. I'm now going to send a final email asking if the last letter I got yesterday is all the documentation they hold on me, will report back as to what he says.

 

Regards

[IdaInFife]

I agree with dx now is the time to let them know that you know they have shot themselves.

 

I would write to them as advised by dx reclaiming the monies paid with interest and the cost of a new car.

 

Now the cost of a new car is unclear on what you can actually claim but i would feel it be more than reasonable to price up what the smae make model and year your car is being sold for by business' not private sales.

 

I'll see if i can find any cases on what has be claimed for before.

[markeymark]

As per new car, we had to get my girlfriends mother to take out finance for us as we didn't want to go to another sub prime lender. I'm kind of realising they know they have jumped the gun. I'm awaiting the guy to email me tomorrow to find out if they have a court order or not.

[dx100uk]

then you need to put that in the mix too

 

it cost you more finance to replace a car that they had unlawfully repro'd.

 

that make the claim even bigger IMHO

 

 

dx

[markeymark]

Ok I will see if he replies to me tomorrow

[markeymark]

Ok he has replied that he has sent me all info they have and that no court order was applied for!

[dx100uk]

money back please

+ 8% stat int

+

compensation for the extra finance you had to take out

 

dx

[markeymark]

Will I just use the template letter that was in the link? How do I work out compensation for new finance?

[IdaInFife]

well you would look at the interest you are paying for the new car

[markeymark]

Ok folks had a bad year last year and ignored my car finance problem.

 

If I raise an action against this finance company do I raise it in my local court or one nearest the company in England?

 

Also as stated we had to take out further car finance to replace reposessed car, is it just the interest that we claim back for this? Also if we have to attend court would mean taking time off work, would we be able to claim expenses?

[dx100uk]

your local court

 

dx

[markeymark]

your local court

 

dx

Is it the N1 form I fill in then? Won't the company request that it is heard closer to them?

[dx100uk]

probably yes

 

legal is not my bag sadly.

[markeymark]

Contacted Cavendish today to get an update from their viewpoint, they say my account is reviewed every 6 months, but they are not doing anything with the account. This is worrying me as I've now moved house and starting afresh with finance and trying to get back on my feet.

 

Should I still pursue them with a letter before claim?