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Santander Loan Secured Against the Car


nick7602
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Hi Guys

 

I took out a loan in june of this year paid over half of the price for the car with cash......I have sadly lost my job now...but I need the car for getting to and from interviews and ultimately to get to and from work once I gain employment again

 

I have noticed within the terms and conditions that I am not allowed to go bankrupt or seek IVA without losing the car?...I was going to see if Santander would allow a payment holiday giving me time to find a new job and carry on repaying the payments

 

I still have the option of handing the car back and walking away but this would mean losing £9k, and also I have the option of making Santander obtain a court order to get the goods back.........what can I do guys obviously I don't want to lose the car??

 

Is asking to lower the repayments an option? or not?....is there anything I can do...thanks for reading my concern and any help would be very much appreciated

 

 

Kind Regards

 

Nick

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can you scan up the agreement to ONE multipage PDF

 

 

see the upload guide.

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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no harm in asking first whether they will reschedule the repayments

 

do this in writing to avoid any misunderstandings

 

should they become difficult consider a time order

 

https://www.nationaldebtline.org/EW/factsheets/Pages/06C%20EW%20Time%20order%20-%20hire%20purchase%20or%20conditional%20sale/Default.aspx

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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Brilliant advice thank you very much it is very much appreciated really it is

 

Im not at a stage where im in arrears at the moment, but if I havent found work by the end of the month then I wont be able to pay

 

 

But thank you so much for the advice

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if or when you cant, contact them asap and explain, they should be fair and reasonable

if you explain its only a very temporary situation

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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