british credit trust unlawful repo **WON under SEc 90 + Compo**

[Chris85]

Please help me i need urgent advise...

 

2008 i bought a car and british credit trust where my finance providers.

 

Bought the car for £8000 had to pay £16000 back off my head

 

i know

 

but at the time i could afford the payments,

 

however in 2010 i got made redundant

 

i had payed over 2 and a half years off on the car never missed a payment..

 

They rang demanding the monthly repayments but i was unable to keep up

and i told them at the time the car was being repaired at a local garage

and until i start work i cant use the car..

 

They asked me what garage it was at so i told them,

they sent someone to the garage reprossed the car

sold it at aution

now they are still asking for £7000 left on the agreement

 

ive payed £8000 off the car and they are still demanding a £7000 3 years later

 

do i have any rights because i didnt sighn nothing to say they could reproseess the car

and they didnt have a court order and

 

in my contract it states if the client has payed more than 1/3 of the purchase

you need a court order if they take the car without consent

 

im entitled to have all my money back ???

 

Please can someone help me id be very greatful

[Chris85]

But surely i would of been informed if i had a court order against me ??? i recieved a letter yesturday saying that a debt collection agency has now bought my debt what can i do about it ??? Thanks for your help

[Chris85]

No at the time i took the finance out at my mams house so she opens my letters for me she would of said if i had a court order

[Chris85]

I dont know what to do tbh.... This was 6 years ago i bought this car and yhey are still keeping on

[Chris85]

In 2010 when i got made redundant

[Chris85]

They didnt have one otherqize i would of been informed by letter

[Chris85]

•Not informed that taking the PPI policy was optional.

 

• Not informed that the policy premium was to be added to my car finance agreement as a single premium and therefore attract interest.

• Not informed that PPI had been added to my car finance agreement.

[Chris85]

Do u think i should go to a solicitor im not sure what to do tbh

[Chris85]

They recon i abandoned they car at the garage.... It was at the garage awaiting repair

[Chris85]

They got a form signed by the garage saying i abondo ed the car how could i possibly abandon the car if it was there waiting to be repaired?

[Chris85]

I just contacted them now and

 

the lady has said that the garage informed them the car was was abandoned so they took it from there its a liad of crap...

 

They didnt get a court order apperantly she just confirmed that but be ause the car was " abandoned there was no need"

its all bull**** tbh

 

whats my best solution guys

[Chris85]

I still have the original contract from the british credit trust

[Chris85]

Whats a SAR

[Chris85]

No i never told them they could have it whats my next step can you help me through thos process as its quite stressful

[Chris85]

I never give them consent to collect the car

[Chris85]

I live in south wales

[Chris85]

I just contacted that company they said for me to go to trading standards they dont deal with that. So would you advise me to write a letter to them? Are there any templates here so i can copy and paste things as im not the best at wording my letters

[Chris85]

so whats my 1st step guys?? Send a sar to british credit trust? What happens then when i recive documents?

[Chris85]

Im off to work now so i wont be able to come online... Can you both email me with your solutions on what i should do?? Id be very greatful

[Chris85]

Ok ill write off the sar today to them

[Chris85]

Lol ok thanks for your help your a star! Will you be here in a couple of days time so i can tell you what ive got?

[Chris85]

hi

the car was at the garage being repaired and

i told the garage at the time i couldnt pay for the repair untill i started back to work again,

 

british credit trust went there

gave them the money for the repair

took the car and told the garge to sign an abandoned form

 

i couldnt believe it

they took the car sold it and still asking for £7000 back

 

theoritcally i have paid the loan back

the loan which i borrowed they have now sent me a £7000 bill outstanding

[Chris85]

Yes seq.... Ive sent a sar off is there anything else?? x

[Chris85]

Have you undertaken anything that I've posted up in post number 32?

 

Hi did you get my message?

[Chris85]

HI EVERYONE

 

 

JUST TO LET YOU ALL KNOW I HAVE HAD NO SUPPORT WHAT SO EVER FROM THE BCT

THEY HAVE FORWARDED THE DEDT TO CABOT LIMITED AND

THEY HAVE OBVIOUSLY BOUGHT IT FROM BCT

 

IAM NOW WRITING TO THIS DEBT COLLECTION AGENCY I JUST DONT KNOW WHAT TO DO TBH

 

 

On the 01st February 2008 I purchased a car with British credit trust being my finance provider,

the car purchase was £8000, overall with the high interest they currently charged due to my age

of not having a high credit score I was paying over £16,000 back

at the time I could afford these monthly instalments,

in 2010 I got made redundant

I had paid more than 2 and a half years off this hire agreement and never missed or delayed a payment until unfortunately I got made redundant.

British credit trust where informed immediately of my redundancy and a letter was sent to them

confirming I was made redundant from my employer .

I had a ppi plan on my account the ppi protection paid payments on my account

but they would only make minimum instalment s for a few months.

 

The car went in for a repair to a garage and I informed BCT that I couldn’t afford to even make the payments

on the car repair until I was in employment ,

BCT then asked where was the garage was that the car was being repaired so I kindly told them.

A week later when I called the garage the staff informed me that the BCT had paid for the repair

on the vehicle and took the car with them.

 

I had a call from the BCT telling me that they had sold the car at an auction for £2000

and they were still demanding the £7600 left on the account.

BCT have indeed told me the vehicle was left abandoned

and they paid all the costs at the garage and placed all this on the account

this is not the case, they took the vehicle without my consent and I was left with no vehicle.