Vauxhall Finance - Defaulted on my car pcp, Anglia uk now attempting to contact

[SZM]

Hi all, 

 

I need some advice. My partner was diagnosed with cancer earlier this year and our income has reduced drastically due to her not working anymore. Unfortunately, I have not paid 3 instalments on my pcp and have Anglia UK trying to contact me.

 

I had not spoken to vauxhall finance as I have been extremely stressed with the whole situation and busy with hospital apppintments etc.

 

I recently had to move, and had not changed address with vauxhall finance. I have not got my default or termination notice due to this. However, I am assuming that due to length of time/ no contact I have been issued with both.

 

I currently have around £300 pounds of fees on my account, which is taking me below 1/3 payment but without these I would have paid over the 1/3 requiring them to get a court order.

 

Any advice on what I can do or action I should take?

 

Many thanks

[dx100uk]

Fees are unlawful.

 

Makes no odds

They will have  to get a court  return of goods order.

Do you want to keep the car?

 

You could vt but still owe upto the 50% mark.

Do NOT give them rhe car unless you VT, dont let them VS.

 

If you want to keep the car go do a time order monday

Dont faff around take control.

 

You should never be moving without informing ALL your creditors in WRITING and the DVLA (twice licence and v5c)

 

Dx

 

 

[SZM]

Hi dx, and thanks for prompt response.

Just to clarify, does that mean they will definitely have to get a court order to repossess?

 

I would like to keep the car, it’s helpful with getting the mrs to and from appointments. I shall do the time order on Monday, definitely.

 

Lessons have been learned, especially with change of address stuff.

 

Cheers

[dx100uk]

well you dont want backdoor CCJ's on old debts

never run from debt ...take control.

 

your only saving grace here is if they do snatch the car without a court order you get it back, or equiv monetary value today and all your payments back as that action as the car is protected goods will void the agreement.

 

 

 

dx