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Hi,
I wonder if anyone here can help with this. A friend of mine has used this site in the past and has said its a great place for getting the correct info.
I have written regarding this problem on MSE however I think I have come to a dead end.
Basically I have a car on finance (I haven't paid enough for them to ''have'' to get a Court Order).
Having posted my documents on MSE I have been told that the Termination notice is invalid on several counts and that I should apply for a time order.
Having been back and fore the Court and getting differing stories I eventually got the correct forms but before submitting them I had notice to attend Court on 22.01. (this Weds).
Despite the Court date being set I did receive several calls from the Company asking for return of the vehicle and I have also had several visits from Repo agents - I have simply shown them the Court papers and they have left. The last one however was threatening and said he had a Court order and was a High Court Sheriff - I asked to see copies of the order - which of course he didn't have.
When the Company called I offered to pay the arrears and continue with the agreement advising I didn't not believe that their charges were lawful or that the Termination notice is correct - they declined my payment.
I advised that should they take the car that I will be left thousands in debt and the guy said no you won't we should be able to get £7,500 at auction for the car and there won't be many charges - I think this is a bit of a story in itself. The car is not worth 7.5k having done an online valuation and I actually owe more than what the car is worth so how will this benefit anyone - I will need to go down the bankruptcy route after repossession.
When I go to Court on Wednesday I want to be certain of my facts and would be grateful if someone could point out to me what is not correct about the termination notice and what I can do to fight my case. I need a car - not necessarily this one to be able to work as I live in a remote area but finance would not be an option after this case if I should lose.
Any advice would be appreciated.
Thank you
lostmyway
I wonder if anyone here can help with this. A friend of mine has used this site in the past and has said its a great place for getting the correct info.
I have written regarding this problem on MSE however I think I have come to a dead end.
Basically I have a car on finance (I haven't paid enough for them to ''have'' to get a Court Order).
Having posted my documents on MSE I have been told that the Termination notice is invalid on several counts and that I should apply for a time order.
Having been back and fore the Court and getting differing stories I eventually got the correct forms but before submitting them I had notice to attend Court on 22.01. (this Weds).
Despite the Court date being set I did receive several calls from the Company asking for return of the vehicle and I have also had several visits from Repo agents - I have simply shown them the Court papers and they have left. The last one however was threatening and said he had a Court order and was a High Court Sheriff - I asked to see copies of the order - which of course he didn't have.
When the Company called I offered to pay the arrears and continue with the agreement advising I didn't not believe that their charges were lawful or that the Termination notice is correct - they declined my payment.
I advised that should they take the car that I will be left thousands in debt and the guy said no you won't we should be able to get £7,500 at auction for the car and there won't be many charges - I think this is a bit of a story in itself. The car is not worth 7.5k having done an online valuation and I actually owe more than what the car is worth so how will this benefit anyone - I will need to go down the bankruptcy route after repossession.
When I go to Court on Wednesday I want to be certain of my facts and would be grateful if someone could point out to me what is not correct about the termination notice and what I can do to fight my case. I need a car - not necessarily this one to be able to work as I live in a remote area but finance would not be an option after this case if I should lose.
Any advice would be appreciated.
Thank you
lostmyway
, To be able to help on the termination notice issue we'll need to see a copy of the termination notice. 
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