Hello everyone I got a car around two years ago through a broker and lender was moneyway finance. After almost 2 years of successful payments i ended up loosing my job and was un employed for about six months, still managed to pay for the car which drained out all my savings and eventually i got caught in serious debt problems. Cut the story short i had to stop paying the monthly installments and soon the communication with the moneyway started. I asked for some extra time so that i can see the outcome of a few job interviews that i have already given but the advisors over the phone were nothing more then un helpful. I was explained about the procedures of repo. As i have paid half of the amount due they told me that they have to obtain court orders if they want to repo my car. I told them that i do not want to go to the court and i am happy to give the car back as it is but i was told even if i was happy to return the car they still have to go to the court which i dont understand why? i receieved a letter saying that my agreement was terminated and that the ballon payment is due with 17 days of this letter and if not paid within the dead line then it will go to the court. At that stage when i was already in defaults with my other debts i decided to not to respond to that letter and was mentally prepared that one day i will wake up and the car wont be standing outside my house. Couple of weeks later i had a visitor at home but no one was at home so he dropped a letter saying he was here to discuss the matter about my car. The letter had a phone number and an email address. On top of the letter there were four boxes and the first boxes was highlighted which said VISIT 1. The other three boxes said VISIT 2 and so on. S o i had an impression that the same gentlemen might come back again upto three more times. Yet again i decided to not to respond to that letter. This was about 4-5 months ago and since then i have had no communication with moneyay whatsoever. No phone call or any letter at all. After reading a lot of posts recently, i realised that i had made a mistake by communicating through the phone calls and i did not write them even once. All the negotiations were over the phone. i do not have any proofs of negotiations. What I wanted to ask is that what can happen next? And what is the procedure of repo through the court? Will i get a letter from the court? Will i get a chance to defend myself at this stage if i wanted to go for a payment plan. I know i have ignored them in the past but that was due to my financial difficulties. if i change my mind and want to defend my self in the court will that be possible? And once again the main question is what is the procedure of the repo through the court as this is a misery for me thinking about loosing my car every night before i go to bed. Its a contant threat in the back of my head that they will take it away any day. Please help me with this and any idea why they have not contacted me for so long. Waiting for ur response Fazool