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Bekki0405

Startline Car Finance threatening repossession but no arrears??

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Anyone help?

 

I’ve been attending to my debts this year and playing catch up.

 

I fell behind on car payments with Startline, but managed to get back up to date this month.

However, tonight, a bailiff has text me saying that Startline have instructed them to commence repossession of the car.

 

I owe them nothing, the DD is set up for 30/6, and I have not received any correspondence that would suggest they have ended the agreement.

I have not quite paid 1/3 of the original agreement.

 

Are they legally allowed to repossess the car with no arrears?

Can they terminate the agreement with no notice?

 

Ive Googled this question, but it’s not coming up.

I imagine it’s a not something that a reasonable company would do, however Startline are known to act unreasonably, so I’ve now discovered.

 

i will add that I after I had paid two of the outstanding payments, I requested help in spreading the remaining payment out over 3 months along with the usual DD, and this was turned down flat.

 

i have written to the FLA who Startline are associated to, and made an official complaint, as this is on clear breach of 1E.5 of the FLA code of conduct. 

 

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Text is irrelevant if you have not received notification form the court informing you of a Return of Goods Order.

 

Andy


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That’s what I thought, but the info on HP suggests that if anything less than 1/3 of the original finance is paid, the finance company don’t have to go to court? 

 

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you didnt get a text from a bailiff

you got one from a no powers repo company.

 

did startline issue you with a default notice?

which they must to repo.

but even then it doesn't give anyone magic powers to just take your car.

unless you leave it on the public highway, then the repo co can take it

 

I would suggest you have also have arrears/letters and repo fees added to your balance

and a blackmark now on your credit file.

 

id suggest you get an SAR off to them and get all these unlawful fees removed

then you wont be in 'debt' more that what you are.

unless you put them in their place

they will keep adding unlawful fees each month too.

 


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They agreed when I called, to me paying the arrears this month, I haven’t had a default notice from them.

They are suggesting none of this matters, as I’ve paid less than 1/3.

It’s as if they’ve agreed to me paying the arrears, and then decided ‘let’s just terminate the contract’?

its bonkers 

 

I have 3 added charges which are £15 and £25 but have been on top of payments for the year of the contract until this first missed payment.

 

I covered every single penny of the arrears which my last payment.

My monthly payment is usually £182, but my payment to bring it up to date, as per my phone call with them was £212.

There isn’t one penny outstanding 

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so for want of clarity..

you have paid all the unlawful fees off too?

 

dx

 


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Yes. My last call with them, where I asked to spread this final payment of £182 over a three month period, which was flatly refused, they said there was £212 outstanding. Which I’ve paid in full

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blimey this lot sound as consumer friendly as moneybarn...

cant see theres anything more you need to do.

 

don't fret about that powerless repo guy.

just make sure their bogus fee of several £100's for a failed repo doesn't get added.

 

let us know how the complaint goes


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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12 hours ago, Bekki0405 said:

That’s what I thought, but the info on HP suggests that if anything less than 1/3 of the original finance is paid, the finance company don’t have to go to court? 

 

 

Ah yes....Hire Purchase Agreement


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no but they still must issue a default notice giving you 14 clear days to rectify the arrears

you have

they haven't.

 

sounds like hot air to me just like moneybarn.

they make up their own rules too.

if they do take the car

then you are in a good position to sue them as it voids the HP agreement.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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