Please help

[dizzylol]

Please can anyone give me advice. In October 2015 I bought a secondhand caravan on a holiday park. Financed through Barclays. My circumstances have changed a lot. Originally I was in a good, well paid job which came to an unexpected end. My next job was much lower paid but I managed to keep up repayments. I am now unable to work at all due to illness and can't afford to pay the finance plus site fees etc. I need to give up the caravan. Selling privately isn't an option and the holiday park say the caravan is old and they won't buy it back from me. If I give up the caravan (saving on the site fees) will the finance company allow me to just pay the monthly finance? On the agreement it says 'The amount you need to have paid so that we must get a court order to repossess the vehicle if we need to - £17,141.03. I haven't paid anywhere near that amount - and I don't understand what this means anyway. The agreement also says the holiday park is the 'credit intermediary', and it is a 'conditional sale' meaning Barclays buy the caravan on my behalf and I make payments to Barclays. Please can anyone help and tell me if it is likely they will accept my suggestion and who I need to contact regarding this.
Thank you.

[Kati]

Re: Please help

tagging [MENTION=141]enaid[/MENTION] [MENTION=4775]Sparkie1723[/MENTION] xx

[enaid]

Re: Please help

Hi, you really need to look at your caravan park contract as to selling your caravan.
You have only had it roughly 18 months so what is the age of the van and what age do they specify in their contract?

[Sparkie1723]

Re: Please help

I agree with enaid, but also have a few questions.

Did the Caravan Park sell you the Caravan?...........................Did they advise you and give you the option to shop around and try and get your own financial arrangement or...............did they just say We'll arrange the finance don't worry? and just pre4ented you with the HP agreement to sign?
Sparkie

[dizzylol]

Re: Please help

Yeah bought from the caravan park, with finance they arranged . Have tried talking to the manager at the park and they have said they will call us back but haven't. Have called them every day this week and the man I need to speak to is always 'busy but he does want to talk so will call you back' . If I call the finance company will they come to an arrangement with us? I don't suppose I am the first person to have been int his position so I can't see why the manager can't advise me.