Finance threatening to get police to arrest me?

[Adamsmith1]

Hi guys,

 

I have a car on finance and

 

due to moving I have not been able to get letters for the car and

apparently I have missed 2 payments,

 

I had a phone call today from a 'warrant officer' saying the finance want the car back immediately

or the full balance and the finance company is failing take my calls.

 

I spoke to the warrant officer and

 

they said if I don't give him the car he would report it stolen to police who would arrest me?

 

He also said I could get up to 7 years for it!!

 

Surely this can't be right..

 

Also I am not refusing to pay or give the car back

as originally he said I have a week

but now I don't for some reason

and I though a week was reasonable to get it sorted.

 

Any advice much appreciated and if you need any more details pleas let me know.

[renegadeimp]

Ignore the silly muppets. They wont do that and the police wont do anything. It's a civil debt, not a criminal one.

 

Can i ask how much you have paid off? Is it more than 1.3?

[Adamsmith1]

The total finance is 7300 and the amount paid to my knowledge is around £900 so I'm still quite early in the finance agreement and the finance company won't take my calls so I can't change my address or discuss it directly with them.

[renegadeimp]

Tried writing? can you give us as much background as possible?

[Adamsmith1]

I only found out today about the situation as I was driving and had a missed call so

 

 

I pulled over and rang back to find to my surprise it was a warrant officer,

 

 

he seemed reasonable at first but I told him I was busy driving back and my phone was low

and I'd phone back after I'd spoken to the finance company

but they refused to talk and I phoned him back and his attitude changed.

 

Now I said to him I may be able to settle the remaining balance but he said they'd want the car impounded for a week first

and that he'd get it out on police ANPR if I didn't to seize and arrest me, due to this threat I've stopped driving on motorways.

 

I've checked my bank and there has been no attempts made to take my monthly payments

and I had it setup as a direct debit so there's no reason why the payments could've been missed.

 

Also something that worried me is that he found me on my personal facebook account

and was saying I had a picture of the car on it?

Not sure why they'd do that..

[renegadeimp]

Warrant officer? Huh? Do you mean a silly muppet at the finance company? If he did report it as stolen, he would be in deep trouble as the car isn't stolen at all. It is on finance.

 

Can you give more details on this finance company and this "warrant officer" person?

[Adamsmith1]

The company he said he was working for is called Anglia UK ltd

and he phoned me on his personal mobile as I googled it to find out more information about the company

and it shows a lot of his own personal things and forums etc online

[dx100uk]

Anglia are a no powers repo company they ARE NOT BAIIFFS AND NEVER EVER WILL BE.

 

 

pers I'd ring him up

and record the conversation

getting him to state the warrant officer bit.

 

 

that'll def get them closed down.

 

 

if you type in Anglia ##who is the finance company please.

 

 

dx

[Adamsmith1]

How can I record the call? And the finance was with Santander consumer finance

[dx100uk]

oh dear std consumer finance then...

 

have you not got a recorder on your mobile?

 

anyhow

 

have you got the agreement?

 

when did you take it out?

look on the back

 

if you paid more than 1/3rd he cant do anything without a court order.

 

is the car specifically mention on the agreement?

 

dx

[dx100uk]

ah as above

 

ok

so you've only paid £900 of a £7300 agreement

 

is the car listed on it please

 

you need to write to satans bank

tell them your new address

 

include your intended dates for getting the payments back inline

with the agreement.

 

if the car is mentioned then the repo guy can take it from the public highway

but not from you private drive.

 

they typically only start this action after three missed payments

 

and they need to have sent to a default notice first

 

but ofcourse as you've failed? to tell them your new address

or that you were moving?

they've poss sent them to the old address

 

dx

[sequenci]

Hiya,

 

1) Can you check the finance paperwork, does it say hire-purchase or conditional sale?

2) Have they sent you a 'default notice', if so, when?

3) Do you wish to keep the car?