I really need some help with blackhorse and after 20 months of reading thread after thread site after site I'm at a loss. Please could you direct me to someone that could help. The crux of it is it maybe an unlawful repo but that had only come to light as I am fighting a default in credit file. I could be horribly wrong which is why I'm in desperate need of guidance. Vehicle impounded by police 13/02/2012 no insurance (obviously a breach on our part but bit more complicated) Blackhorse refused to let vehicle be released Notice sent by bh 14/02/2012 under sec 76i and 98i agreement to be terminated by them as of 28/02/2012 Vehicle removed from car pound 08/03/2012 By the time the vehicle was impounded over 1/3 had been paid excluding deposit Going back to the beginning my initial dispute is over a default same details except blackhorse stated after sale of vehicle liability was £1029.48 which included £910 repossession fees for the whole period the vehicle was in the pound plus collection. We disputed this as we believed we were only liable for the dates before agreement terminated 13/02 - 27/02/2012 plus collection. Total approx £610 and asked for a copy of the invoice the police produced to bh. Never received this called every week and all we got was a breakdown of charges. Throughout the process monthly payments were made on time each month up until and including April 2012. Just to confuse matters bh can't workout if it's a tv or repo I don't want to write anymore because I can already see I'm going to confuse matters please help and feel free to request more info. I appreciate any guidance you could give me I just want this default removed. Mel