In massive need of your advice!!
Got a finance agreement with MoneyBarn in September of last year (2018). Made regular payments until I had financial difficulties. My last payment to MoneyBarn was April 2019. I since then, did not make payments to them.
I did make contact with them and said that the arrears would be cleared as soon as I had sold my property, as I was moving in with my partner instead.
They then filed a default against me. (Although I found this out later on) Unfortunately, I then went through a tough period in my life, in which suffered badly with depression and anxiety. I did inform them of this.
Once the property was sold, I contact them to ask for a breakdown of options and what I could do.
I did not receive this. Instead, I had a lovely gentleman turn up at my door saying he has a repossession order and has come to take the car. This was the first time I had heard of this, I wasn’t notified of any defaults prior to this (relating to when I previously mentioned “found out later on) or the termination of the contract.
I have since returned the vehicle after they told me I could not pay the arrears and/or pay 50% of the term and do VT? I have also been told I cannot reinstate my contact.
I have told them about the mental issues I had, and said that I did not appreciate a guy turning up when I have my children and demanding the car. Their reply was “we informed you of the termination and repossession” to which I said “no you didn’t”.
They argue that they sent it to my old address (despite me informing them of the new one) and I even asked the question of “how did the debt management agency know where to go then?” As they then informed me that they didn’t have my new address on file?
I appreciate I owe them money, however, I did say that the amount they are asking for is unrealistic and that I will happily contest in court.
Any my advice will help!!!
Hello DX100UK and all observers.
I am delighted to announce I have had no further communication from Shoosmiths
Todays date is 20th August 2019
That is the 20 year anniversary of the original decree granted at the Scottish sheriff Court on 20th August 1999
The 20 year prescriptive period should kick into force.
Would any further letters now constitute harrassment ?
or does the debt technically still stand but just not enforcable ?
They cant seek a new decree ?
Now some at this stage might think I'm leading to doggerland as the site of Atlantis
but for a number of reasons, I'm not ... although I think it is a part of the larger story,
Its a little late.
I believe the final inundation of doggerland is part of the later Biblical flood and related myths. (Black Sea, Arabian Gulf, West coast of India etc)
... but worthy of mention is that it could effectively make up one of three 'larger' islands as detailed in the legends far better than the Azores does.
... and mammoths/elephants crossed that bridge - although carefully check the dates of those mammoth/elephant migration evidence. They seem to end 11000bp.
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!