Moneybarn terminated conditional sale- help

[stressedoutSENmum]

Hi all, really need some help.  Was 2 payments behind and been making reasonable attempts to contact them but never been able to get through.

Suddenly out of the blue termination letter giving me 24 hours to respond which wasn't even posted until 24 hours after the date on letter. Leaflet offering 3 choices, return, pay settlement (call for details) or under special circumstances pay arrears and reinstate. Not allowed to drive car as they have withdrawn permission.

I believe I fit special circumstances, have 3 kids with varying levels of additional needs who will be severely disadvantaged by this. MB are aware of my caring responsibilities and vulnerabilities.

Spent every day since Wednesday trying to get through, have the arrears and no further issues with payments or going forward. Can't get through at all so now panicking as can't get kids to appointments, schools as not allowed to drive.

I'm well over 50 percent of the car paid, do not wish to return and could probably fully settle within the next few months. I'm sure I can overturn when court application for repossession is triggered bit don't know what to do in the meantime.

We're just coming into school holidays, one of my children can not access public transport and not having a vehicle is going to significantly impact their wellbeing and isolate us all summer, not to mention getting to appointments etc.

Can someone give me some advice on if there's anything I can do in the meantime or to speed this up or regain use of the vehicle?

Thanks.

[theoldrouge]

Moneybarn making it up as they go along as per usual 
They cannot take your car or stop you driving it

Look to take out a Time Order 
This will put them back in their box
 

Click the link

Edited July 15, 2023 by theoldrouge
Additional words

[dx100uk]

moved to the moneybarn forum.

total utter BS on mb's behalf.

cant drive the car, what utter made up rubbish, but thats moneybarn.

they make up the rules as they go along, cause most people are mugs and think they have super powers.

cant do a thing really.

you've paid over 1/3rd under the consumer credit act, the goods, the car become protected goods.

stop trying to ring them

never ever ever speak on the phone to anyone about debt, least of all  ruddy moneybarn, and most certainly no dca on any other debt you might have..they are not bailiffs.

have you received a default notice under section 87 of the CCA?

[stressedoutSENmum]

Been through old paperwork, letters referencing cca but can't find a specific default notice referencing arrears and payment deadlines. 

[dx100uk]

look  on your credit file

that will tell you the defaulted date.

but if you've only JUST gone into arrears, and this is the first time , ...??

 

dx

 

[stressedoutSENmum]

2 missed payments last year cleared by third, no action. Missed payments earlier in the year with disabled daughter exclusions from school. Evidence tried to call but no answer on numerous occasions. 

[dx100uk]

good no ans..never ever call never ever crawl!!

check your credit file please.

just musing...

but you know you could voluntary terminate the agreement, give back the car and have nothing more to do with MB and not owe them a penny now...would you?

dx

 

[stressedoutSENmum]

They've already terminated the agreement and state I can't do that unless I pay the finance. There's only 2.5 grand out of an 11k agreement, I'll loose so much and its about my kids being able to access their therapy, appts etc. I can probably raise the settlement in a couple of months, its so close.

[dx100uk]

best bet then is to do a time order.

dx