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Blue Motor HP Car Finance Arrears payment plan


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Hi.

 

Due to Covid I lost my job last year, I managed to secure an interim role in the summer which basically covered housing and food costs, Late last year I got a better role which would allow us to survive.

 

I have a car HP agreement and due to the above I was given the 6 months break which was added onto the end of the agreement, extending it by 6 months.

However, I also built up some arrears as well which need to be paid back.

 

I have had a few agreement that I was not able to stick to, mainly due to arrears elsewhere, council tax being one which is now up to date.

 

They has said a return of goods order is near but will agree to another repayment plan but only over 6 months.  This maybe unaffordable (I have got an I&E to do) as it presents an additional 40% on the monthly premium.

 

Please can I have some information on my rights here, I know they cannot force me to pay more than I can afford but after a few failed arrangements, have I lost that right?  thanks

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who please?

 

 

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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of course...don't tell me moneybarn, motonova , moneyway, startline..

 

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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  • dx100uk changed the title to Blue Motor HP Car Finance Arrears payment plan

thank you

need a few more details please

 

when did you sign the HP agreement. ?

have they issued a default notice?

what is the total of the arrears you have ?

have you still got a copy of the agreement?
 

if you were to enter into this arrangement you indicate its likely you will fail anyway?

 

might be best to go do a time order and nail them in their box.

 

there are other options but answer the above please

 

 

 

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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Signed in June 2018

yes default issued

arrears approx £1400

might be able to find the agreement, should be on email I hope?

 

im not sure what arrangement will be suggested as they want to go through my I and E next week,  Id just like to go into that with full knowledge if they enforce it’s either 6 months or repossession, what options can I shoot back at them?

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they can't repo the car , you've paid more than 1/3rd, the car is deemed protected goods. they would have to goto court and get a return of goods order, which, if they did i'd do a time order. it might be best you do one of those anyway.

 

should they simply snatch the car without an ROG then that would void the whole agreement and you would be entitled to all your moneyback and the car or it's present 2nd hand market trade value.

 

you are under NO legal obligation to do any I&E and only a judge can demand that.

 

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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Time Orders - Financial Legal Issues - Consumer Action Group

get it done dont faff around.

 

also make sure they remove all unlawful penalty fees like letter/late/DN/debt investigation etc fees . (£12)

they can't charge those

 

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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