Can car be repossed after paying 29 months and 7 months left?

[splodge19]

Hope I'm posting in the right place?!

 

I have an agreement with Close Motor Finance. My payment was due yesterday, but I didn't have the money in the bank, so straight away, I got a text from them asking me to contact them immediately. I text them back to say I couldn't today as was at work but would call them today. I said that I would hopefully pay them on Friday but definitely by Monday. They weren't happy with this and I called them today.

 

The lady said if I'm having difficulty paying, when would I want them to collect the car!!!! I've paid 29 months, not missed any payments. I won't miss this one either albeit a few days late. Why would I just want to hand the car back? They don't give you any grace, they're on to you straight away

 

Where do I stand with this though. Can they just take the car? I have every intention of paying, I just can't physically today. I have 3 children who we're struggling to feed this week! I have money going in on Monday definitely, so can pay them then.

 

Can anyone give me some advice?

 

Thanks in advance

[gem77]

Hi Splodge19,

 

No they can not repossess the car not without a court order anyway. As long as you have paid one third or more which you probably have as you only have 7 months left.

 

Don't talk to them on the phone and certainly don't agree to anything over the phone.

I would tend to just ignore them and pay it when you can. Even if they did go for a court order no judge in their right mind would issue them one as you have never had any missed payments and by the time it actually got to court you would be up to date anyway.

 

Hope this helps

[splodge19]

Thank you. I paid yesterday fortunately. I was just so astounded by e asking me when I wanted the car collected when I haven't missed any payments the whole term. Could I complain or just wait till I've paid the car off? They shouldn't be able to day things like that so loosly.

[citizenB]

Wait until you have made all the payments then pop in a complaint to their head office.

[gem77]

Also make sure they don't add on a late payment fee. If they do ask for it to be refunded in your complaint letter.