behind with car finance , repo guy came, - GPS/Trackers?

[wazzberger]

Hi, first time poster here. Thanks in advance to anyone that replies!!

 

I financed a car through moneybarn via Carloan4U.

 

Unfortunately I lost my job and two direct debits were returned,

 

I contacted these pirates at Moneybarn and they pretty much stone walled me.

 

I know I'm at fault here but I have a hearing coming up at combined court next week after requesting a temporary time order until I fix my employment situation.

 

 

I took the car off the road when they said they were gonna repossess and parked it in the garage of my friends empty/unletted house (hes in property).

 

The repo man knocked on my door and somehow seemed to know it was parked in a garage in the next town over.

 

Even though I hadn't told a soul of the cars whereabouts and I don't know anyone who lives on that street.

 

The forums are alive with talk of GPS trackers in their vehicles for people with bad credit (my credit isn't great hence using carloan4U),

 

also I emailed a few people at Moneybarn & carloan4U using an assumed name,

and they confirmed after much questioning that this is what they do.

 

Does anyone know of this and if so where the tracker may be hidden?

 

I'm grateful for any constructive input!

 

TY - Wazz

[dx100uk]

woe

 

hold on

don't do anything silly like that.

 

how much of the loan have you paid?

 

and no repo guy has ANY LEGAL POWERS.

 

they CANNOT repo from private land without a COURT ORDER.

 

dx

[dx100uk]

once a third has been reached

 

they MUST goto a court.

 

if you've not paid over 1/3rd

they can only take the car I it is parked on a public highway

they cannot repo off private property

[nulls the agreement]

 

dx

[wazzberger]

TY4reply's

 

I've paid less than a third so I knew I had to move it.

[dx100uk]

is the time order related to this debt?

 

dx

[ashmk]

It's unlikely to be behind or covered by metal so chances are it's behind the dash. But I wouldn't go messing with it.

[dx100uk]

no don't touch it

 

its not your vehicle.

 

without a court order

or

your signed consent he cant take it.

 

dx

[wazzberger]

Hi dx,

 

Yes I completed form N9C and also wrote a freehand paragraph about my circumstances, I quoted the Consumer Credit Act 1974 requesting a time order etc. It came with the pack they sent me that seems to be riddled with errors!

 

Thanks - wazz

[wazzberger]

ty ashmk,

 

Yeh I speculated it would be behind the dash or under the steering wheel so ganna take it to a Vauxhall techy before the hearing. (Hearing is on wednesday)

 

Wazz

[dx100uk]

I wouldn't be taking it out on the road.

 

the application for a time order should

halt all actions by the creditor.

 

you need to tell the judge at the hearing what they have done.

 

dx

[wazzberger]

dx,

 

I will be doing exactly that. It seems Moneybarn are totally disorganised! In their witness statement they said:

"My financial CRISIS is permanent"...it isn't, I'm a temp worker!,

they said I took delivery of the vehicle...I didn't, I picked it up,

& their copy of the Conditional Sale Agreement (which I don't even recall signing) isn't even legible. Its all faded and don't see how its fit to be presented in a court setting!

Not to mention, if my suspicions are correct Re: GPS/Tracker....Surely that would invalidate any agreement because I wasn't told at the point of sale!

 

Wazz

[dx100uk]

sev threads here about them

 

cant organise anything

 

as for the tracke if it exists

its their car

they are entitled to fit it.

 

wont null any agreement.

 

dx

[wazzberger]

cheers,

 

So it looks like my only hope is the time order! Are these things often successful?

Does it matter that the conditional sale agreement they have is not at all readable. As I said I don't recall signing it, the broker carloan4U rep implied I would have to sign it on the day I picked up the car as it needed to be done somewhere with CCL (Consumer Credit Licence)

 

Wazz