Thanks dx and Ell. Up untill I became unemployed every thing was fine as I had lost someone close in the first year I bought the car and had funeral expenses, phoned Duncton as they was then and spread a payment over the next 3 to help me out, with no problem. This lot, different ball game. I will check back every thing and see how much charges have gone on. In the mean time I am going to offer a payment plan as I just want to clear the debt having invested so much into the car. I am so glad to see the court has to notify me as the recovery guy stated that they get an order without having to contact me and the car will just be removed. I will let you know the responce I get. all the best and thanks again

Moneybarn

Hi, new to the forum and having just read a fantastic post on a welcome loss, made super reading. I used a different company and bought a car over 48 months. After 36 payments, I lost my job but still managed to pay another 7 after that. This left 5 and I was finding it hard. I phoned the company and the rep was not interested in spreading payments. I defaulted but managed to pay the next instalment, leaving 4 but still a month behind. Charges were being put on but still no movement from them, they just wanted the money. I then paid the next payment ,leaving 3. Finally I reached an agreement with a senior rep and the last 3 payments would be, 367 instead of 322. I put the money in the bank but they tried to draw 467 and the bank returned the request. They served a termination notice and handed it over to another company. 3 months later I get a knock at the door and someone threatens to remove the car if I do not pay 1140. I ask if he has a court order and he says, NO. I told him I wish he had taken it as I could have claimed all the money back, he laughed and said he nearly did but checked the notice and saw there was no court order. He said he would have been liable had he had taken it. My question is, if the company apply for a court order to reposess. Does the court have to notify me directly as I want to make an offer to pay the remaining 3 payments off over a period as now unemployed. Or is there another way to resolve this, as I feel the company has broken an agreement and given me no chance from the offset. Thanks for any replies.