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First Response potential car repossession

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I fell behind on payment due to illness.



Long and short of it is that FRF are threatening repossession.

the vehicle is worth 1.5k. at auction it will get max £500.


a trade garage who valued said they wiould pay the finance company 1.5 direct and deal direct.

First Response tell me the garage would have to pay the full amount outstanding of 4k.


if i VT i am liable for the balance after auction.


i assume this is process.

but if i am able to make the vakue of the vehicle

does anyone know if other finace companies who have accepted this.


has anyone had repossesion dealings with this company.

Not the most customer friendly but it is what it is.

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Have you paid more than one third of the total finance amount ?

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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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no i dont think but awaitingthe statement I requested.

do they send an official notifcation do you know?



its more the matter they wonrt accept a trade offer and would rather aution for 2/3 less than offer and have me liable (which I agree is the process)

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its not your vehicle to sell.

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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