the funding corporation car repossession

[lynne1279]

Hi everyone, I'm new here and just looking for some advice

 

I got a car on finance from approved car finance/ the funding corporation with my ex partner back in 2004 and

 

I was paying all the monthly payments for about a year until I got laid off and

 

I rang them and told them this and they still wanted me to pay,

 

 

I started paying roughly £135 a week when started back work after being out of work for 2 months,

 

when me and my ex split up in 2006 I lost my job and got 3 months behind with my payments,

during this time I was staying with a friend, then

 

out of the blue I had 2 men turn up at my friends house to say they was there to take my car if I didn't hand over £900 there and then,

 

I didn't have that much on me and offered them £150 and I would pay the rest a week later when I had it,

 

they said no and I had to remove all my belongings from the boot and put them in the garden and they took the car.

 

I contacted the funding corporation and they told me because the car was repossessed

I would not have to make any further payments on it and that was it.

 

Fast forward to 2014 and I received a letter from Cabot debt collection agency

saying I owe them £9000 for the car,

 

what do I do,

 

can anyone give me some advise please

[dx100uk]

6yrs debt is statute barred

 

tell them to go do one.

 

you do realise that those guys that repo'd were not bailiffs

and had prob had no legal right to take it back without a court warrant and you fell for it.

 

esp if the car was on YOUR private property.

 

dx

[lynne1279]

Thanks for your reply, I was naive and I didn't know what to do at the time or what would happen if I didn't hand over the keys to them, I'll tell cabot they can go and whistle, I'm not paying a penny

Thanks again

[dx100uk]

just ignore them

 

I would not enter into any letter tennis.

 

if you must send anything

send the statute barred letter from the library top left green tab

[Ell-enn]

Had you paid more than a third of the loan when they took the car ?

[lynne1279]

Had you paid more than a third of the loan when they took the car ?

 

I have no idea how much I paid, I had the car for 2 years, how do I find out?

 

 

Can you remember exactly when the car was taken - month & year ?

[Ell-enn]

You could send the Funding Corporation a Subject Access Request - they have to send you all the information they have on file for you - (you need to send a £10 postal order with the request, it's the statutory fee) that way you should be able to see how much you paid before repossession.

 

 

Alternatively you could ask Cabot for a statement showing how they arrived at £9k