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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

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

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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

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

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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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 by citizenB
amendmend

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Uploading documents to CAG ** Instructions **

 

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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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

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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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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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

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

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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

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payments for the car amounted to £399 per month

 

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

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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

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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

 

so need to know the exact figure

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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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..

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Ah right.. sorry for being so dense..

 

would never dare to think such a thing:-D

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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:lol:

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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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

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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

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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.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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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?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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