Money barn repo my car without court order

[terrylocksmith]

I purchased a car back in 2007 with money barn for £16k.

 

I placed a 3k deposit and a payment of £399 per month.

I was taken ill and fell in arrears.

 

To my shock they repo the car without a court order.

 

6 years have elapsed,

 

I have now been contacted by a company called Shoosmiths solicitors outlining they are now the legal representative of Money barn.

 

I now have another CCJ and have been ordered to court to answer financial questions under oath.

 

If I do not attend, It clearly states i will be done for contempt of court.

 

Since I have moved around,

I have never seen the original CCJ,

And are now in fear of Losing every thing due to illness.

 

Could any one advise please

[terrylocksmith]

I can confirm also that they auctioned the vehicle

[Ell-enn]

How much of the agreement had you paid? was it more than one third?

[terrylocksmith]

the agreement started in June 2007,

 

 

the car was reposessed in January with out any warning.

 

 

All i was told that they took the car and was sent to Auction.

 

 

Now after 6 years Shoosmiths are claiming against me

[citizenB]

Can you respond to Ellen's question - had you repaid more than a third of the agreement value.

[terrylocksmith]

no it was not

[citizenB]

In which case it is my understanding that they can repossess without a court order. I will try and find someone who can advise further.

 

Apologies.. I was wrong - they cant.

Edited October 7, 2014 by citizenB
amendmend

[theoldrouge]

can you please give the exact figures

 

deposit plus total payments made(hp only not inc any added insurances)

 

total of agreement

 

date of ccj

[dx100uk]

ouch

 

 

you need information

 

 

as you did not inform the creditor of your move

 

 

it is probable the default notice

and the termination notice were sent to an old address.

 

 

you cant have 'another' CCJ is one has already been issued on the debt.

 

 

can you scan up the letters you have please

 

 

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[terrylocksmith]

the original cost of the car was £16k . I placed a £3k deposit. 6 payments were made before falling ill. The car was subsequently sold at auction. I have had documents from the courts that a CCJ was obtained in september 2008 for £13551

[theoldrouge]

this is VERY CLOSE, do you have the exact figures please

[terrylocksmith]

i did contact them prior to car being repossessed.

 

 

He was very rude.

 

 

I offered to pay the 2 months arrears but said his hands were tied.

 

 

What i cant understand is the total figure does not represent the value of the car being sold at auction.

 

 

Surely this figure less costs would come of the figure of £13551

[terrylocksmith]

no, all i have is a letter demanding my appearance at Portsmouth county court to answer financial questions.

[terrylocksmith]

payments for the car amounted to £399 per month

[theoldrouge]

payments for the car amounted to £399 per month

 

Yes but what was the EXACT total of the agreement without any insurances?

[citizenB]

the original cost of the car was £16k . I placed a £3k deposit. 6 payments were made before falling ill. The car was subsequently sold at auction. I have had documents from the courts that a CCJ was obtained in september 2008 for £13551

 

Yes but what was the EXACT total of the agreement without any insurances?

 

Looks like it was £16,000 I total

[theoldrouge]

but if its 16000 and hes paid 5394 then hes over the third so illegal repo

 

so need to know the exact figure

[citizenB]

but if its 16000 and hes paid 5394 then hes over the third so illegal repo

 

so need to know the exact figure

 

Ah right.. sorry for being so dense..

[theoldrouge]

Ah right.. sorry for being so dense..

 

would never dare to think such a thing:-D

[citizenB]

[dx100uk]

terry

it is best to scan up all the paperwork you had following my instructions above

 

 

then we don't have to ask repeated single questions.

 

 

all the details will be seen

dx

[terrylocksmith]

im trying to get all the info that money barn has.

 

 

I have my credit report from may this year.

 

 

There is no CCJ listed on my address at the time i took out the agreement.

 

 

But letter i have clearly states A ccj was obtained.

 

Im going to court in November to answer financial questions under oath.

 

 

.. Its now under Shoosmiths solicitors who have taken over from Money barn.

 

 

Now im even more confused

[terrylocksmith]

ok, Ill scan details i have tomorrow at work

[Ell-enn]

Am I right in thinking you borrowed £13,000 ? (i.e. £16,000 price of car less your deposit of £3,000 )

 

You then made 6 payments of £399 = £2394

 

If that is the case then you had not paid more than one third of the agreement.

[dx100uk]

what puzzles me here is you say the original CCJ was sept 2008 -

 

 

you now say you've another CCJ [or do you mean a claimform] issued by restons?