they cant charge repo fees
either get them refunded or take off the balance yes.
you need to seriously get all these bills of sale
I cant understand why you have not got copies of everything.
its a legal requirement for them to send/give them to you
esp the bill of sale - that's an important court document that must be registered at the court and stamped.
have you not got ANY of the agreements you signed?
sorry but it looks to me like this IS a classic case of repeated irresponsible lending
did you complaint about this under ALL the agreement numbers or just one loan?
Thanks for this. Would this suggest that the repo fees I’ve paid so far are unreasonable, and should actually count towards the repayments towards the loan? Little bit lost with everything and the stress at the moment. Sorry if I’m coming across as a bit dim, just trying to work out options and not beat myself up for my stupidity.
Well if you are challenging their T&Cs and breach of contract then you will have to refer to this in your statement and exhibit copies of both on which you rely.....
The judicial system of England & Wales requires all claims to follow this process...you cant just give oral evidence...otherwise it can be treated as hearsay and something you cant prove without documentation.
With regards to the delay well the defendants are 7 weeks late themselves so they would be foolish to try and request the court impose sanctions for you not complying....but both of you are walking a fine a line and Im amazed the court has not already struck out your claim...get your statement together pronto with exhibits and get it filed tomorrow and served.
I would also consider adding a cover letter to the court explaining why its late and that you failed to understand the process as a litigant.
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!