Took out a secured £12k loan in October 2007 over a 10 year period. Please note I didn't want to take out the loan but had no choice if I wanted a quiet life as at the time I was in a controlled marriage ..mostly mental with some physical abuse resulting depression, anxiety and panic attacks . The 10 year loan gives 120 months worth of payments out of these 120 months I made 107 payments on time and 13 missed payments these were down to my so called husband taking the money out of my wages in the bank to pay loan and saying would put back to pay but never did ... with my depression and my husband controlling my money I worked but had to ask him if I needed money all debts he ran up were in my name and l developed a serious problem with opening letters as they were always for his debt and I didn't have the money to pay them as all my wages had to stay in bank... I have unopened letters hidden around my home going back at least 15 years ... Getting back to the lovely swift advances due to not opening letters I found out that swift had taken me to court for the missed payments and because I had no idea they had been given the repossession order . . My daughter for whatever reason as she never ever had before opened a letter last Tuesday 3rd April from a company called R & K and it said they would be coming to our home on the 11th April which was yesterday to remove us and change locks ... I immediately contacted this company and they told me I needed to contact swift as they were only ones who could tell them not to come out on the 11th ... on contacting swift they said my loan had came to it's 10 year end on October last year but I had the 13 missed payments as arrears which when I add them up come to £2,600, when swift add them up it comes to £18k and they wanted that as a one off payment to stop taking my home ... in the past few days I asked them to consider me paying £300 A month to clear the ridiculous amount and I also asked if they would reduce the amount to a more reasonable amount and I would see if I could get the funds from family and friends and make a one off payment they said they would have to ask management/directors the following morning and get back to me later that day which was Monday this week ... I spoke to them after work on Monday and they advised I had been turned down on both of my requests and only option was paying the full £18k .. .they also informed me that they had postponed the date to take the house from 11th April to the 14th May to give me time to try and sort out the payment ... I also found out that they had actually turned up at my house in February to take house but my dog was in house barking so they cancelled it and charged me over a £100 for that ... my daughter was home that day she also has mental health problems worse than mine having had a mental breakdown at age 13 due to her father's behaviour ... the day they came out bearing in mind I didn't know anything about this happening due to unopened letters my daughter rang me frantic at work saying a van was outside house and men in garden outside our home... I asked her for name on van and googled it but it didn't give me any idea what it was about ... I am now taking on the fight of my life to save our home as my daughter sees this as her safe place since her breakdown and she is now starting to show signs of shutting down again and I can't let that happen to her... any advice woukd be most appreciated .. . Thank you in advance

Barclays have just told me that the contract is terminated and even paying the arrears in full will not stop the car from being repossessed. Today was the last day for surrender... Anyone know how long it will be before they get a court order or any options available... I pleaded with them on Friday, and though the arrears are only £540, they will take the car and put it in auction where I am due to lose about 2k of the value and that will still be owed to them... HELP PLEASE ! Barclays Partner Finance are in the process of repo my dads car. They have terminated the contract - however the 1/3 rule is very close.. . if its 1/3 of the value still owed against interest upto repo then fine, if based on original term then not... HELP. + they say they will probably go to court proceedings to recover car, but hinted they might just sent a recovery company in.. . no idea of timescales however = would be really good to have an idea, days or weeks? My father (80) purchased a car on HP from CarSupermarket. With his wife having poor health, he decided in Aug to suddenly goto India for 3 months for treatment. With cashflow being tight, he missed Aug and Sept payments. I took over paying and on a 220/month contract, I began paying 80/week except for when I paid 220. Barclays Partner Finance (BPF) were told this is what I am doing, but they couldn't confirm if they were happy as I wasn't the named person on the contract. My father, out in India then, in Oct suffered a stroke himself and was unable to speak and was receiving physio out in India. BPF then sent a termination letter and advising that the car needs to be surrendered or court proceedings will begin. I managed to get my father to ring them and agree that I could speak on his behalf. BPF said you are £504 in arrears and the contract is terminated. I said I can borrow that amount and get it restored to the normal T&Cs - but they rejected it, stating its been in arrears since Aug so NOTHING can be done to restore the contract. PROBLEMS: 1) Car Supermarket when doing the original contract with my father, put the car into my name not his...surely some kind of contract breach 2) I was willing to pay all the arrears, but that was not deemed satisfactory. 3) The car is now to be repossessed and according to BPF - they will instruct their solicitors tomorrow to start doing this. 4) I have paid just under 4k so far, finance amount originally was £9,693. There is now £10,185 outstanding, though the true figure accounting for early settlement would be £7,990 - I don't know what figures to use to see if 1/3 has been paid. 5) no consideration given to the fact that my father is ill, and as such will likely have to stay at least a further 3 months in India as he is unfit to travel. I am totally in a tizz... I dare not risk telling dad his car is to be repossessed but don't know what to do. Please if anyone can help, H.

Hello all I have been directed here by a friend who heard me talking to moorcroft about an old debt. History I had a house repossessed way back in 2002 there was about 9k left and I was told to pay 50 every month and no bad mark would be on my credit file. I was in afgan serving my country at the time. I jave paid this ever since and was told in 2013 that aroun 5.6k remained. Never had a statement and have been paying ever since. In all honesty I thought these would be knocking on my door etc. It has changed debt collectors a few times which makes no sense as I have been paying it every month Any advice as my friend tells me I am being cash cowed and to come here I am on a war pension and this is a lot of money

Hi Everyone Im hoping for some help on this please. I took out finance december 2015 on a vehicle, immediately fell into difficulties in January and had the car repossessed. I was in complete communication with the finance company, met the transporter to recover the car and kept talking with them throughout. They explained that there may be a shortfall from the resale of the vehicle which i appreciated I heard nothing for a month or so, but expecting there to be some shortfall emailed the company to find out what happened next . I then had a letter sent to my address from their solicitors saying a CCJ had been registered and that I had to reply to the CCJ that would be sent. Next thing I received was a CCJ had been awarded to the claimant asking for £392 a month to cover the balance of almost £8k - when only £9k was borrowed, the car was returned in immaculate condition and was resold almost immediately for over £8k (internet search showed this) I found out that despite having my correct address, the ccj was sent to my previous address. Where do i stand in having to pay back almost 90% of the finance despite no longer having the vehicle? And where do i stand that I have never had the oppurtunity to represent myself in court to explain that the vehicle was returned due to the fact that the finance company explained the shortfall would only be small and manageable? Thanks in advance

Hi I have had a car on finance from moneybarn for little over a year. for starters I have not paid over a 1/3 of the agreement. I have been in and out of work since i bought the car i have had missed payments all over the shop. I have been in a couple of payment plans with them but now they have terminated the agreement. I need to know what s next. i have looked into a time order and think its the best way forward but i dont know much about how i apply for it and where etc. Also how long do i have now that they have terminated the agreement, do they send me something n writing first or can they just turn up willy nilly and take it? HELP!!

Hey guys anyone know where the cars are taken once they been repossessed had mine taken Wednesday but was half asleep when they took it as was on night shifts plus I gave the repo blokes some abuse but got no paperwork just wondered if they get auctioned off and if so where? I'm based in Newport South Wales. 62 plate Audi A3 they took got no issues with them taking it just wondered where it goes afterwoods. Cheers

I purchased a car 2 years ago via Moneybarn, but got behind with payments due to reduction in wage . After failing one month on a suggested payment plan, they sent me a default notice followed by a letter of termination. The leaflet enclosed with it said I had 3 options: 1: Pay off in full 2, pay arrears, they MAY let me keep car 3: hand car back I called them on the phone and offered to pay arrears in full but the rude gent said their hands were now tied and termination could not be stopped, and it had gone to "asset management" To cut an even longer story short the agents turned up and took the car whilst I was there and said it would be auctioned. today I got a letter saying I may owe £5k as the car would probably only fetch £2800. This is slightly worrying as trade values show the car should be worth nearer £4500, a big difference even it is auctioned. The debt includes 5 missed payment "fines" of £25 Firstly, I didn't realise you got no interest rebate if the car was repossessed, and secondly I would have preferred to keep the car longer as I had offered to pay arrears in full, I did NOT realise that they may have to have a court order to take the car, I naively assumed I only had the above 3 options. I would have been very happy to tell a judge I could pay the arrears. To make things hopefully clearer, TOTAL COST OF FINANCE £12000 PAYMENTS MADE £4700 Anyone shed any light on whether moneybarn are fleecing me even more thanks

The company's that got a ccj then a charging order applied through that ccj, then the house was repo'd and CO paid, can I claim back charges etc.

I purchased a car back in 2007 with money barn for £16k. I placed a 3k deposit and a payment of £399 per month. I was taken ill and fell in arrears. To my shock they repo the car without a court order. 6 years have elapsed, I have now been contacted by a company called Shoosmiths solicitors outlining they are now the legal representative of Money barn. I now have another CCJ and have been ordered to court to answer financial questions under oath. If I do not attend, It clearly states i will be done for contempt of court. Since I have moved around, I have never seen the original CCJ, And are now in fear of Losing every thing due to illness. Could any one advise please

Hi, I'm a newbie here, so very sorry if this is something that's been asked before. Lets start at the beginning. I purchased a 206CC from a dealer in April 2007 - only been a kid, I was naïve and it was on credit FOR £6,499. The finance was done by "WELCOME FINANCE" at 30.9% APR! I signed the agreement for 48 months and drove my girly car away. After numerous job fails and other issues, I failed to make payments and in October 2009 the car was repossessed. Now when the car went, I was led to believe that it would be a case of clearing the debt as such, no court order was done and no paper work signed. They simply sent a rather large fellow, who blocked the car in on a public drive, and took it away. I was told if I sign a new agreement with a different payment plan, the car would be returned, as it was going to be kept safe In a compound. It gets interested, 3 weeks later, the car was reported to the Police for having no insurance and in the same spot on a public road 60 MILES away. It was being used now and again by the repos son (apparently) I found this out after the police came to me to notify me the car was uninsured. Lucky enough, they understood and dropped it. I then heard nothing, for a long time, thinking I was in the clear, I received a letter from IND telling me they are taking me to court for finance agreement (the court summons has the WRONG account number) So I denied I owe the amount of £11,000. NOW...I'm panicking. I have dug out the old agreement & added up the amount paid over the time I had the car (including the £2000 they go for the car at auction) this comes to over £6500! When going through the old paper work, I noticed on my agreement, it says that if I had paid £3570.80 - They CAN NOT repo the car without a court order, if they do so, I am entitled to all of the money I have paid BACK. At the date they repossessed the car, I had paid over that amount. So..I'm now at the point were the Courts have summoned me to appear on the 13th May 2014. Do I argue I have paid the principle back so why are they chasing someone 7 years later. OR Do I argue I have no idea what the credit agreement number is as it has nothing to do with me (on court summons) OR Do I simply explain to the courts they have taken the car without a court order, and have shot them selves in the foot, as I would like every penny I paid back? OR ANY OTHER suggestions. I do no doubt for one second, I was stupid to ignore this for such a time, but we learn from mistakes and I now have a £600 Fiesta! NO CREDIT for me ever again!!

Yet again, this awful documentary is in the headlines...this time because one of the 'stars' of the show has been spared jail after he scrawled abusive graffiti on a cancer victim's home...falsely brandishing him a paedophile. http://www.dailymail.co.uk/news/article-2580985/Boxer-Repo-Man-spared-jail-abusive-graffiti.html

Hi all I am looking for some advice re GE money and a repo hearing set for 20 December 2013. They are trying to reposess for the below reason 1) A warrant of execution shall not issue without the permission of the court where – (a) six years or more have elapsed since the date of the judgment or order; There was an initial hearing in May 2007 and then another in May 2009, since 2009 all payments as ordered by the judge have been made. GE money have continued to apply a £40 admin charge and additional interest costs each month. Despite them refunding me some of these charges, sending me someone else's information and then offering me £50 because of it ( i declined their £50 offer). My monthly payments are 402 i pay 500 each month but because of all the charges my arrears have only reduced by about £59 in all this time. Can someone please tell me are they able to do this even though i have made all payments as ordered in May 2009. They tried to repossess without a hearing i completed an N244 and sent it to court. What do or can i do to stop this! It now feels like i have struggled for years paying them and now they are going to take my home when i only have 3 years left with them! Any guidance would be greatly received as i can't let them get away with this :mad2: P.S sorry for the length of this post

Hi thanks for sorting my account activation. I have a mortagae with kensngton and have £12k arrears . My morygage is £75.000. I had a susspended warrant granted In 2012 and ended up back in court after I paid £50 late. Kensington and the judge agreed to susspend this feb following a mrs applicaton processint. Before I left court kensingtin solicitor told me. i didnt have to pay my mortgage until I appeared back in court if the mrs application failed. Took me by suprise so I double checked she said the judge didnt menton payents so you dont need to. I heard nothing from anyone about the mrs having to ring my council to ask what was happening an being told itsstill being processed. At the end of aug- beginning of sept I was told it had failed. I then in october received another eviction notice . I filled an n244 form and had a court hearing thursday last week. It didnt go well I eplained everything to the judge. I have two potential buyers for the property which I told them I had a witness statement about what the solcitor said. i have a new job and can afford to pay the mortgage plus £80 on the norgan terms required. I was sent way to get proof of job valuation and proof of my income and the potential buyers. I have everything in place apart from buyers statements one is trying to get the best price he can offring £60k he offered 75 at one point . The other buyer is in spain until the day after hearing. Ive sought some advice and have a statement from shelter but I just wondered if there ws anything else I can do. I wish I hadn't listened to their solicitor but with her knowing abput law etc I just took her word for it. not payong has allowed me to buy new furniture as y ex clered me out when he left.i wuld of oad otherwsr. My financai situ is good and shows I can pay. But also I have the potential buyers too. My eviction is wed at 12pm hearing is at 10 Any exyra help woud be apprecated Many thanks sel

Hi - Not been on a while but have had the following happen over the last few years - 2011 repo order applied for and granted, to let lie. Also an unsecured portion of the loan was made subject to a Charging Order - This last two weeks I have been lucky enough to clear arrears for the both loans - Mortgage and the unsecured bit, eviction was due tomorrow morning. What I'd like to know is, is the repo order still in force or should they nram, terminate it, they have stopped the eviction but was wondering what officailly happens with the Order ? also the unsecured portion is paid via payplan and is not in arrears now nor has it been for a while, should I have the Charging Order taken off ? by them too. Thank you

Hello all, I have started a new thread because my previous was quite long and I had the issue confused. Had a HP agreement with MotoNovo in November 2009, the car was taken in June 2012. I have attached the latest balance sheet. It appears from my calculations that over a 3rd WAS paid by £4! This does include taking into account refunding all of the charges and the option to purchase fee. [ATTACH=CONFIG]45657[/ATTACH] MotoNovo in their "final response" say that they never took the option to purchase fee but it is clearly deducted from the agreement and then refunded onto the account the month after the car was taken. Could someone just double check my figures here? The agreement says the 3rd is £2873.03 I have calculated; TOTAL PAID £2661.54 CHARGES £86.90 OPTION TO PURCHASE FEE £129.57 TOTAL INC ABOVE £2878.01 The car was taken from private property following this being sent; When the guy arrived he was asked not to take the car because we didn't want to terminate the agreement any longer, this was because we'd taken advice to go back to the finance company, he said tough basically and took the car (witnesses present). Nothing was signed when the car was taken because we were running around trying to find out what to do with the car being taken. They have provided a VT Notice in their SAR bundle BUT this was never received our end, I expect they did send it but we never had it. Is this unlawful repo?

Hi All They have repossessed my car now. This is how I found out. I saw my car advertised in Autotrader. Is this how I should have found out ? regards

Hello, I am looking into something for the gf. She took out a hire purchase on a car in November 2009 with Carlyle Finance (now MotoNovo). in April 2011 she telephoned them to say that she was entering into financial difficulties, she wanted to explore taking lower payments, this was due to a gap in teaching contracts between then and July, she wanted to take a payment holiday. Obviously this wasn't acceptable and they offered 3 months @ 50% and to make up the payments over 4 months, totalling £242 per month. Essentially they took back the car and sold it one day out of the blue she was called by a guy from collections saying he was there waiting for her, she said this hadn't been arranged and certainly not at that time because she is a teacher and wouldn't be able to do a collection until after 3pm. In June 2011 she raised a dispute with them about the defaults and about the "aborted collection fee" which was added to the account, it is clear they received the dispute letters x2 because they've come back in the SAR request but they haven't ever responded which is also clear from their system notes and SAR response. To add, in the credit agreement signed the 2nd page was never there, infact they've confirmed that we've received all that they've got on file, the significance of this is that under "Important - use of your information" it reads " We will obtain information about you from credit reference agencies and we will record information about you with them. It is important that you read the "use of your information" notice overleaf before you sign". They have supplied a further two pages of terms and conditions, none of which even remotely mention how they will use information. I want to know - can we hold them in breach of contract by not responding to dispute or supplying evidence which we asked for? Should they have lodged a default on credit file when the contract doesn't talk about how information will be used? So far we are relying on ICO technical guidance around filing a default while an account is in dispute as unfair.... Many thanks O

Hi Last year I rather stupidly took out a log book loan from these guys whilst I was going through a rough patch. I now unfortunately am in the situation of being on benefits hopefully only short term. I have emailed them several times asking for advice on this situation to no avail. During this period my car broke down and was towed to the audi garage for repairs. The bill at present is 2500 which on jsa I cant afford with a further 30 days @10 per day storage charges. The repo men came round today no court order just to repossess I told them the situation with the car and the garage is holding it pending payment. When I signed for the loan the agent came round and as stated on other threads no witness was thyere to sign bar the agent so common thread here with the BoS. Really where do I stand with regards to the repossession ? are the garage allowed to release the car without my consent. To give you some idea its an audi A6 57 plate loan for 3000, the fault causing the breakdown was a design flaw but not acknowledged fought to get audi uk to reduce original bill of 4500 to 2500 as a gesture of goodwill (succeeded) Stupid move originally but cant change the past any advice please. Thanks

Just watched a program on C4 about UK's APPRENTLY most notorious car repo guy (and what a massive tool he is) and was just wondering about some things on the subject. First of all, the fact they can take a vehicle back after it's been sold on because the original owner owes the company money is utterly disgusting as it is, but regardless; 1) Is the court order that they apparently bring along with them enough to repossess from property that DOESN'T BELONG TO THE CURRENT CAR OWNER...ie if car owner stored the car elsewhere on private land other than his own? 2) Can the financing co. repossesss the vehicle after it's been sold on AND ALSO claim the original debt owed by original owner? eg, I still have Black Horse claiming I owe them money on a vehicle I bought way back in 2003....SURELY it's been reposssessed by now from the person I sold it on to, as this seems to be the done thing?

It's not often that TV inspires me to do anything but the bullying antics of the two thugs who are the focus of this program have had me shouting at the TV set so much that the better half has actually turned it off and hid the remote. How dare this bully boy lays his hands on bewildered women to snatch their car keys away not caring they have house keys on the same bunch or with any care for their personal safety. Not often I'm made angry but this has left me apoplectic.

Evening all, Looking for some advice on this one. Back in Aug 2006, I entered a HP agreement with Welcome Finance (stupid I know). Made contractual payments up until Sep 2007 at which point I had to leave the country for five months, during which time the care of the contract and car was left in a trusted friend. I paid money into their bank, they made the monthly payments (or so I thought) until my return in Feb 2008. Upon returning to the country, I found out that my friend had not made any payments, and in my absence Welcome had repossessed the car (from private land that it was parked on). I was obviously severely annoyed at the time, called Welcome who was extremely unhelpful but assured that was the end of it, the contract was terminated and I had no remaining liability.... How naive I was to believe them. Last week I had an account entered on my credit file by MKDP LLP, showing a default in January 2010. Immediately queried this obviously, and have been sent details of my original welcome agreement stating that I had an outstanding liability as the car sold for less than its value. Looking at the contract, this shows that if I have paid more than 1/3 of the value of the contract, they are not lawfully allowed to repossess the car, and if they do without a court order I can reclaim all monies paid into said contract. I advised Welcome of this, but now they are claiming that 'I voluntarily terminated and a letter was sent advising of this'. I hadnt sent any such letter, and the date they quoted for the letter was when I was out of the country, so have sent a SAR to them for copies (am fully expecting a forged letter in all honesty). If they cannot provide a copy, then obviously i'll give them a chance to pay up before an N1 is filed. Can anybody offer any advice as to the next steps, if it does come back clearly a forged document, what are my options? Also interesting to note that the value they are claiming to be still outstanding, is less than half the value of the mis-sold PPI on the contract. Cheers

I cant find this anywhere sorry... in Feb of 2011 we recieved a suspended repossion order.. the repayment was difficult to keep up with... we have since been back to court 2x with new judgements... my question is.. we have kept up with the latest and the Mortgage is through Santander and now we are getting letters from their solicitors HL Interactive referring to original order. We understood that because we went back to court the most recent judgement is what we have been following and according to that we are up to date.. can anyone advise please???? ThNK YOU

Hi I'm hoping someone can help me. A colleague has just had his car repossessed by the above mentioned company for failure to pay fines. The fines relate to him being parked in his private space which he pays for the privilege. The first fine was due to the fact a permit was not on display which he has contested on several occasions and they will not back down. The fines have been ramping up as no party will back down, my colleague clearly pays for the spot and T&s are aware of this as all the registration plates are on a database. Yesterday his car was towed away, without authorisation from anyone, the police are not interested as they say it is a civil case, and now he has been told the car will be destroyed if he does not pay. Please help

I'll start with a bit of background information so you can help as best you can. Basically at a very young age I fell for the whole credit thing and ended up quite deep in to debt. Instead of declaring bankruptcy I decided I was going to get out of the mess myself so I quickly signed up with a debt consolidation company, the only debt I couldnt add to this was my Hire Purchased car. If I added this then the car would have been taken. With my other bills lowered I have managed to pay off around 80% of my cars debt 3 and 1/2 years out of 4. I have fell behind 2 months and a total of £531, then today I receive a letter stating that my debt had been passed to an authorised debt collection agency to arrange a repossesion, also a £300 fine would be added to the debt for their troubles. Ive read that this is illegal if you have paid over 1/3rd of the original amount but when it comes to me vs them on the phone they tell me it can easily be arranged. I have £250 here that I am willing to give to them today and then I will settle the rest as soon as I possibly can, but this doesnt seem to please them. I really cannot lose this car as it is my transport to work, my work is my livelihood that is paying for the rest of my bills. Any help you can give me will be appreciated

Hi some advice needed i purchased a van of a friend in January this yr and gave him the prcodes of 750 pounds of my old van ..and also 250 pounds more in cash.as he said the vehicle was thousand pounds...i went bankrupt at the end of Jan.on Sunday he has taken the van while i was away on holiday and has locked it in his unit and is now demanding 1500 pounds for it...and all my tools are in the back so i can now not work without my tools so won't be able to pay to my bankruptcy what i pay every mth as impact not working .. i phoned the police who have said it is a civil matter even though he has no proof of ownership of the van or theamand is refusing to give back i cannot also afford to keep paying the insurance payments on it as im not working so would just like to no what i can do as dnt pay him instead of my other creditors and also dnt get my van and tools for work .....help needed