Why would Black Horse cancel Court Case?!

[Beakermeep83]

I sent a letter to BH at the end of 2011 saying that I wanted to VT my agreement/car.

 

The car was collected from outside my house after I left the keys under a bin.

 

No paperwork was posted through my letterbox and I did not sign anything.

 

A few weeks later BH wanted to take me to court to claim back the money they said I owed minus what they got for the car at auction.

 

However, a week before the court case I was informed that BH had cancelled the case.

 

I have heard nothing from them since?

 

Does this mean they unlawfully got the car and I would be entitled to start a claim to get back any money I've paid?

[Conniff]

How long had the agreement been running and had you paid at least 50% of the payments with no arrears ?

[dx100uk]

yep i'd guess that too

 

by the time you VT'd and with the price of the car at auction

that probably equalled 50%

 

under section 90/1 of the CCA you'd thus owe nothing.

 

now the question exists if bh got a court order

 

as I don't think they can legally repo from even Public highway

without one if you paid more than 1/3rd at that point?

 

let me go check

 

dx

[dx100uk]

as far as I can see

they need a court order wherever the car is if you'd paid over 1/3rd

[the figures will be on the reverse of the agreement.]

 

so poss unlawful repo under sec 90/1

you are entitled to your money back

 

can someone check me please

 

dx