Tweet
Hi All. Hoping for some feedback/comments regarding a recent county court appearance i had in relation to the arrears on my motor finance agreement with Moneyway (previously posted on here).
A brief recap is that i fell into arrears , sent written communication to the creditor offering a revised and increased payment plan to which they did not agree to, next thing is court papers from HL Solicitors on their behalf.
Anyway, i attended court and whilst waiting to appear had a brief chat with the agent/solicitorfrom HL who was obviously upto speed on the matter as he had written correspondence from both myself and Moneyway. He confirmed that he would be seeking a suspended return of goods order with a monthly payment of £271 (the agreement was originally for £201 p/m and i had previously offered £250 p/m to the creditor.
As a result, i am not sure why it was still deemed necessary to goto court and my suspicion is that it is purely a mechanism for HL Solicitors to extract money from me by filing for court costs (which is what the agent requested from the judge!). I explained to the judge that i had requested such a payment plan in the very first instance but stupidly did not have written documentation with me to prove this and no defence pack was ever sent to me following the N1 form
As a result, it appeared the judge granted this order as i confirmed i still wished to retain the car as it is essential to my job and HL Solicitors requested the payment plan began 1st October.
Fast forward to today and almost 2 weeks after the hearing and i have heard nothing from the court and only a voicemail from HL Solicitors asking me to call them yesterday (probably chasing payment). Therefore, how do you think it is best to proceed? I am obviously very disappointed that the court appearance was necessary and am very suspicious of the lack of defence pack, the fact this matter was pursued to court despite offers of a repayment plan and the previous level of conduct by Moneyway. However, at the same time i do not want to appear to flout the court hearing by not paying, even though i have received nothing from them. I am just wary of any dealings with HL until it is properly ratified by the court
Feedback most welcome
A brief recap is that i fell into arrears , sent written communication to the creditor offering a revised and increased payment plan to which they did not agree to, next thing is court papers from HL Solicitors on their behalf.
Anyway, i attended court and whilst waiting to appear had a brief chat with the agent/solicitorfrom HL who was obviously upto speed on the matter as he had written correspondence from both myself and Moneyway. He confirmed that he would be seeking a suspended return of goods order with a monthly payment of £271 (the agreement was originally for £201 p/m and i had previously offered £250 p/m to the creditor.
As a result, i am not sure why it was still deemed necessary to goto court and my suspicion is that it is purely a mechanism for HL Solicitors to extract money from me by filing for court costs (which is what the agent requested from the judge!). I explained to the judge that i had requested such a payment plan in the very first instance but stupidly did not have written documentation with me to prove this and no defence pack was ever sent to me following the N1 form
As a result, it appeared the judge granted this order as i confirmed i still wished to retain the car as it is essential to my job and HL Solicitors requested the payment plan began 1st October.
Fast forward to today and almost 2 weeks after the hearing and i have heard nothing from the court and only a voicemail from HL Solicitors asking me to call them yesterday (probably chasing payment). Therefore, how do you think it is best to proceed? I am obviously very disappointed that the court appearance was necessary and am very suspicious of the lack of defence pack, the fact this matter was pursued to court despite offers of a repayment plan and the previous level of conduct by Moneyway. However, at the same time i do not want to appear to flout the court hearing by not paying, even though i have received nothing from them. I am just wary of any dealings with HL until it is properly ratified by the court
Feedback most welcome
