Hi there,
My daughter is currently on maternity leave but has been struggling to make regular payments since lockdown. A few weeks ago she got a call from a collection agent to say that she needed to make a decision to voluntarily give back the car or pay the arears. Within the email she forwarded to me Advantage confirmed the reason an agent was instructed to collect the vehicle, explained that they have reviewed all information she provided and made the decision that they cannot allow her to keep the vehicle which is unaffordable and some company ethics of how this is going against their regulatory rights which they simply are unable to do and mentioned that she was listed as a vulnerable customer. How does having a baby suddenly make you vulnerable?
I did some reading and responded to this ridiculous email quoting Section 4 from the ombudsman article Identifying and managing consumer vulnerability effectively in the age of social media They identified her as vulnerable but is not showing any support. As a mother I was disheartened and wanted to help.
I called Advantage because I am also a customer and managed to send the Advantage Legal department a copy of my own payment plan which is due to finish this month 1 year ahead of schedule. This was to prove that we were capable to help my daughter and her young family. There was no response for 2 weeks so I emailed them to get feedback to my offer but was told that they have communicated with my daughter. Yesterday my daughter got the letter alluding to the fact that they are unable to reach a reasonable resolution regarding the repayments and in order to avoid legal action she must complete the enclosed income and expenditure form with a repayment offer.
I just need to know whether we add on the income and expenditure the amount we will use for the car as additional income for her? If they don't accept the offer would my daughter have to go to court or would they just repossess the car?
Thanks, Concerned parent
My daughter is currently on maternity leave but has been struggling to make regular payments since lockdown. A few weeks ago she got a call from a collection agent to say that she needed to make a decision to voluntarily give back the car or pay the arears. Within the email she forwarded to me Advantage confirmed the reason an agent was instructed to collect the vehicle, explained that they have reviewed all information she provided and made the decision that they cannot allow her to keep the vehicle which is unaffordable and some company ethics of how this is going against their regulatory rights which they simply are unable to do and mentioned that she was listed as a vulnerable customer. How does having a baby suddenly make you vulnerable?
I did some reading and responded to this ridiculous email quoting Section 4 from the ombudsman article Identifying and managing consumer vulnerability effectively in the age of social media They identified her as vulnerable but is not showing any support. As a mother I was disheartened and wanted to help.
I called Advantage because I am also a customer and managed to send the Advantage Legal department a copy of my own payment plan which is due to finish this month 1 year ahead of schedule. This was to prove that we were capable to help my daughter and her young family. There was no response for 2 weeks so I emailed them to get feedback to my offer but was told that they have communicated with my daughter. Yesterday my daughter got the letter alluding to the fact that they are unable to reach a reasonable resolution regarding the repayments and in order to avoid legal action she must complete the enclosed income and expenditure form with a repayment offer.
I just need to know whether we add on the income and expenditure the amount we will use for the car as additional income for her? If they don't accept the offer would my daughter have to go to court or would they just repossess the car?
Thanks, Concerned parent
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