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I wonder if someone could advise me.


I have been the victim of domestic violence and ended up in a financial nightmare.


I could no longer afford the HP payments on my vehicle to advantage.

I have not paid a third.

I paid 6 payments of £340 for an £8k vehicle which quite frankly has been off the road due to faults more than it has been on,


I received an email from Advantage saying that they had decided to repossess my vehicle

and that someone from NW collections would be visiting me to remove my vehicle.


I am presently living in a refuge and have not updated advantage of my address.


on Friday evening I was pulled over by the police as the car had been reported lost/stolen on march 31st.


The police officer listened to all I had to say commenting that finance company`s are doing this

but as it was reported lost/stolen he would be taking it.


I was taken to a nearby train station and I have yet to hear back from either advantage or nw collections

both of which I have updated on email (bank holiday office closed)


Please help as I am now so scared that I will be arrested

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Looks like the finance company just made a huge error.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..



If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks


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It's probably no error. The finance company can take the car without going to court as not one third had been paid. NW more than likely visited the last known address only to find no car and be told the owner didn't live there any longer.

If that is how it happened, they had no choice other than to report the car stolen.



It's unlikely you will be arrested, but you might be invite to attend the police station and get told off or maybe not hear anything at all.



You can write to the finance company and apologise for the late address change.

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