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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.

 

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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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

 

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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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 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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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

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

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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 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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